diff --git a/chunks/json/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.json b/chunks/json/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.json new file mode 100644 index 0000000000000000000000000000000000000000..702f5f61864f02e1dec51ade6c2c08cdddb091be --- /dev/null +++ b/chunks/json/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0.json b/chunks/json/c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0.json new file mode 100644 index 0000000000000000000000000000000000000000..ea730f7168f9595a4cbe06403423d31e520e5465 --- /dev/null +++ b/chunks/json/c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.json b/chunks/json/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.json new file mode 100644 index 0000000000000000000000000000000000000000..87f9b7d01353e9efa58e17d31760f38aeab32db5 --- /dev/null +++ b/chunks/json/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9.json b/chunks/json/ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9.json new file mode 100644 index 0000000000000000000000000000000000000000..0c3c3b069a28634601fbb74f927471aa58bf9a7f --- /dev/null +++ b/chunks/json/ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee.json b/chunks/json/ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee.json new file mode 100644 index 0000000000000000000000000000000000000000..c2861f231ef359c0700d1fb4dee5e78767a9d730 --- /dev/null +++ b/chunks/json/ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084.json b/chunks/json/ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084.json new file mode 100644 index 0000000000000000000000000000000000000000..ca900280211f5b2c0c516e1acf9dc1c320d35871 --- /dev/null +++ b/chunks/json/ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add.json b/chunks/json/ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add.json new file mode 100644 index 0000000000000000000000000000000000000000..446ab35e287b2ce0b7ca33b83061de4f9589016a --- /dev/null +++ b/chunks/json/ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c.json b/chunks/json/ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c.json new file mode 100644 index 0000000000000000000000000000000000000000..0531cecb5d9ef374355a0cc7576d068c305d4b81 --- /dev/null +++ b/chunks/json/ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.json b/chunks/json/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.json new file mode 100644 index 0000000000000000000000000000000000000000..c939485d9aa5ffdaa56c306273d03e8c6db0f5e7 --- /dev/null +++ b/chunks/json/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.json @@ -0,0 +1 @@ +{"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 -
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"} diff --git a/chunks/json/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.json b/chunks/json/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.json new file mode 100644 index 0000000000000000000000000000000000000000..349661e8ef0feeb97a45f1a780660e87868236c1 --- /dev/null +++ b/chunks/json/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.json b/chunks/json/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.json new file mode 100644 index 0000000000000000000000000000000000000000..0b370af2121752b36b13739b33c54f9c06a30227 --- /dev/null +++ b/chunks/json/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.json b/chunks/json/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.json new file mode 100644 index 0000000000000000000000000000000000000000..b8635cf29d6ca6718efac1a234d01947eba385e1 --- /dev/null +++ b/chunks/json/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.json b/chunks/json/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.json new file mode 100644 index 0000000000000000000000000000000000000000..56df8449b07e62edf4bc51a7372257bdae15465e --- /dev/null +++ b/chunks/json/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230.json b/chunks/json/cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230.json new file mode 100644 index 0000000000000000000000000000000000000000..184449c28e61b0dc15181eb58980656d93e5dee1 --- /dev/null +++ b/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"} diff --git a/chunks/json/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.json b/chunks/json/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.json new file mode 100644 index 0000000000000000000000000000000000000000..85b66c998ccd1282f3fa825d916730575e4de4bc --- /dev/null +++ b/chunks/json/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.json b/chunks/json/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.json new file mode 100644 index 0000000000000000000000000000000000000000..055a133fae2551ed1f43f9b6d3c3dd9f08d1c060 --- /dev/null +++ b/chunks/json/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.json b/chunks/json/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.json new file mode 100644 index 0000000000000000000000000000000000000000..2f638a9c34007b59558309345c7c3f9f2b014a55 --- /dev/null +++ b/chunks/json/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.json b/chunks/json/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.json new file mode 100644 index 0000000000000000000000000000000000000000..795a2dc673749acda21307adc5b6082ac1e24ad7 --- /dev/null +++ b/chunks/json/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.json b/chunks/json/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.json new file mode 100644 index 0000000000000000000000000000000000000000..2469fbe67d68a84bf7a1d1a8d00c37748f17d0b0 --- /dev/null +++ b/chunks/json/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.json @@ -0,0 +1 @@ +{"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":"See Total Loan Costs (D) and Total Other Costs (I)<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n-5099.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n-5757.00\nTotalClosingCosts\n\n\n \n\ntrue<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\nYou paid these Closing Costs before closing<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n0.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n435.00\nClosingCostsPaidBeforeClosing<\n\n/IntegratedDisclosureCashToCloseItemType>\n\n\n \n\ntrue<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\nSee Payoffs and Payments (K)<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n-120000.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n-115000.00<\n"} diff --git a/chunks/json/cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335.json b/chunks/json/cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335.json new file mode 100644 index 0000000000000000000000000000000000000000..ce8f14c3d3604a335231182428be2721e7aeb3bc --- /dev/null +++ b/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"} diff --git a/chunks/json/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.json b/chunks/json/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.json new file mode 100644 index 0000000000000000000000000000000000000000..80fc9d817a4c4bddee5cc488a0f3f1489f906845 --- /dev/null +++ b/chunks/json/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.json b/chunks/json/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.json new file mode 100644 index 0000000000000000000000000000000000000000..9f9aa5d4827b9346cfe9193c750c1d224c2b6488 --- /dev/null +++ b/chunks/json/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757.json b/chunks/json/cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757.json new file mode 100644 index 0000000000000000000000000000000000000000..920e605d0b456c252f56e45f2092e2a2dd045c42 --- /dev/null +++ b/chunks/json/cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18.json b/chunks/json/cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18.json new file mode 100644 index 0000000000000000000000000000000000000000..d53c620691dbe0390aaf9705413328aac98755c7 --- /dev/null +++ b/chunks/json/cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.json b/chunks/json/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.json new file mode 100644 index 0000000000000000000000000000000000000000..8efd0057ea257c12a565f7168707c9144808bd6a --- /dev/null +++ b/chunks/json/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed.json b/chunks/json/cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed.json new file mode 100644 index 0000000000000000000000000000000000000000..1f1df6c23154c304f807a13e10c6484be1116c64 --- /dev/null +++ b/chunks/json/cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518.json b/chunks/json/cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518.json new file mode 100644 index 0000000000000000000000000000000000000000..f63c57c876d92adbe1146bb9997dca155e1bcc1a --- /dev/null +++ b/chunks/json/cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65.json b/chunks/json/cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65.json new file mode 100644 index 0000000000000000000000000000000000000000..3e31712de4142887169c4c093ee04e09b7135523 --- /dev/null +++ b/chunks/json/cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940.json b/chunks/json/cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940.json new file mode 100644 index 0000000000000000000000000000000000000000..5089d64f79c32b0dbde0302803106d8e125130f9 --- /dev/null +++ b/chunks/json/cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab.json b/chunks/json/cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab.json new file mode 100644 index 0000000000000000000000000000000000000000..649d3fa909dcb3c90f696df75d5da92a07860de6 --- /dev/null +++ b/chunks/json/cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e.json b/chunks/json/cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e.json new file mode 100644 index 0000000000000000000000000000000000000000..98d8820172db6d510fcf06929869fae68bca6609 --- /dev/null +++ b/chunks/json/cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805.json b/chunks/json/cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805.json new file mode 100644 index 0000000000000000000000000000000000000000..aa513ef9e5807014bfe7062dae9f154cddce6938 --- /dev/null +++ b/chunks/json/cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b.json b/chunks/json/cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b.json new file mode 100644 index 0000000000000000000000000000000000000000..4f2f9bbd5b0a85685e9cdeead5fb7eefbd732032 --- /dev/null +++ b/chunks/json/cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5.json b/chunks/json/cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5.json new file mode 100644 index 0000000000000000000000000000000000000000..191f0ae2fc86a43bbd36fe3276cc793644aefc8d --- /dev/null +++ b/chunks/json/cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63.json b/chunks/json/cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63.json new file mode 100644 index 0000000000000000000000000000000000000000..8f4f7b87244d4b512d8e0473897f8a759a482b12 --- /dev/null +++ b/chunks/json/cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753.json b/chunks/json/cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753.json new file mode 100644 index 0000000000000000000000000000000000000000..713a0a33acfd0728908bf79f8708a572eb6018a9 --- /dev/null +++ b/chunks/json/cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d.json b/chunks/json/cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d.json new file mode 100644 index 0000000000000000000000000000000000000000..24bcd9c238b5f17287547b92c04548be3eeb5041 --- /dev/null +++ b/chunks/json/cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539.json b/chunks/json/cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539.json new file mode 100644 index 0000000000000000000000000000000000000000..145b9ec137148da684355e397b0a087b1245bd84 --- /dev/null +++ b/chunks/json/cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9.json b/chunks/json/cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9.json new file mode 100644 index 0000000000000000000000000000000000000000..86026f1ac37c02f071af22319a79f9bf6c98c37f --- /dev/null +++ b/chunks/json/cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7.json b/chunks/json/cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7.json new file mode 100644 index 0000000000000000000000000000000000000000..ad3ed5f9594bea01dd7e030a37514ec2f59d656f --- /dev/null +++ b/chunks/json/cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.json b/chunks/json/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.json new file mode 100644 index 0000000000000000000000000000000000000000..be2c9e81d76f91a69ff2c0182120fccf8319dc1b --- /dev/null +++ b/chunks/json/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.json b/chunks/json/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.json new file mode 100644 index 0000000000000000000000000000000000000000..39710d47032ee6ca839d28ecf36cbe9a6021c781 --- /dev/null +++ b/chunks/json/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d.json b/chunks/json/cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d.json new file mode 100644 index 0000000000000000000000000000000000000000..0b80345bde4d12bccb97866628050f00f454bdc6 --- /dev/null +++ b/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"} diff --git a/chunks/json/cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db.json b/chunks/json/cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db.json new file mode 100644 index 0000000000000000000000000000000000000000..f46f54da95533e99333e143b48eed706ae554a3c --- /dev/null +++ b/chunks/json/cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349.json b/chunks/json/cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349.json new file mode 100644 index 0000000000000000000000000000000000000000..155c3cf1d880f5a3198c27a04958a2acd398658c --- /dev/null +++ b/chunks/json/cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349.json @@ -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"} diff --git a/chunks/json/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.json b/chunks/json/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.json new file mode 100644 index 0000000000000000000000000000000000000000..c9f0d5605b400a8608e2e460bc12d090db382036 --- /dev/null +++ b/chunks/json/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b.json b/chunks/json/cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b.json new file mode 100644 index 0000000000000000000000000000000000000000..60f9cf6afe8b11da479c28f12c55fe9923bea506 --- /dev/null +++ b/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"} diff --git a/chunks/json/cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244.json b/chunks/json/cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244.json new file mode 100644 index 0000000000000000000000000000000000000000..46ade0c336efbb4de38eb7dd35a08f0e2b083780 --- /dev/null +++ b/chunks/json/cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244.json @@ -0,0 +1 @@ +{"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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.json b/chunks/json/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.json new file mode 100644 index 0000000000000000000000000000000000000000..f3b246d40aa2b70d18579c9f7ead0298fd954fde --- /dev/null +++ b/chunks/json/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.json @@ -0,0 +1 @@ +{"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":"\n \n\n…\n\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"} diff --git a/chunks/json/cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc.json b/chunks/json/cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc.json new file mode 100644 index 0000000000000000000000000000000000000000..54f94879326c52b6b717a0bc84f2e665b46f9c72 --- /dev/null +++ b/chunks/json/cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8.json b/chunks/json/cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8.json new file mode 100644 index 0000000000000000000000000000000000000000..f45f971015d130afcb33ff082fb63f8a77aee6f1 --- /dev/null +++ b/chunks/json/cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":234331,"char_start":232732,"chunk_id":"chk_50ad45e9bed1d78a","chunk_index":131,"chunk_sha256":"cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Some rooms may have vaulted ceilings,\nand custom design elements such as built-\n\nCustom fenestration and\ndoorways using exceptional\ngrade materials and\nengineering; featuring keystones\nor detailed mouldings\nthroughout.\n\n• Roof designs using premium\nmaterials designed for longevity\nand resistance to weather; often\nfeaturing large ornamental\noverhangs, multiple hips and\nvalleys, or steep pitches.\n\n• Exterior walls constructed\nusing exceptional grade\nmaterials, often featuring\nmultiple corners, unique angles\nand shapes, and extensive use of\ntrim or decorative adornments.\n\n• Multiple windows and\ndoorways constructed with high-\nend materials, featuring custom\ndesign particularly at the front\nand rear entry and often\nfeaturing keystones or other\ndecorative adornments.\n\n• Roof designs using high-end\nroof materials; typically\nfeaturing ornamental overhangs,\nsteep pitches, and multiple\nridges, hips and valleys, and\ngables.\n\n• Exterior walls constructed\nusing high-end materials and\nfeaturing multiple corners with\nangled walls, unique shapes,\nand custom trim at focal points.\n\n• Multiple windows and\ndoorways constructed with\nupgraded materials and\nfeaturing decorative design\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 92 of 166\n\nUAD 3.6 Policy\n\ncomplexity and some\ncustomization in the structural\ndesign, amenities, and finishes. A\nQ3 dwelling can contain a mixture\nof premium and standard level\nmaterials or amenities. They are\noften characterized as \"semi-\ncustom\" new construction, or as\npre-existing dwellings that are\nupgraded using some premium\nmaterials or amenities.\n\nQ4\n"} diff --git a/chunks/json/cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82.json b/chunks/json/cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82.json new file mode 100644 index 0000000000000000000000000000000000000000..7e6066a22f9c4da1b4a4274fba95ea05b72af5e6 --- /dev/null +++ b/chunks/json/cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82.json @@ -0,0 +1 @@ +{"chunk":{"char_end":622501,"char_start":620900,"chunk_id":"chk_d8b750b72360d8c0","chunk_index":370,"chunk_sha256":"cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Summary\n\nList Price\n\nAlways\n\nIf available\n\nDollar amount\n\nReport\nField ID\n\n22.15.02\n22.15.05\n\nSubject Listing\nInformation\n•\n\nList Price 19.009\nfor most recent\nlisting\n\nContract Price Unknown\nis only applicable to\ncomparables\n\nSales Contract\n•\n\nContract Price\n20.004\n\nSale Price is only\napplicable to\ncomparables\n\nNet Adjustment Total is\nonly applicable to\ncomparables\n\nAdjusted Price Per Unit\nis only applicable to\ncomparables\n\nNo\n\nList Price: The last known list price for the transaction.\n\nThis row redisplays from the General Information subsection 22.01.02,\n22.01.20.\n\nContract Price Unknown\n•\n\nYes (Unknown - the comparable has been included in the sales\ngrid, but the contract price is unknown.)\nNo (Contract Price is known and must be provided)\n\n•\n\nIf relevant, this row redisplays from the General Information subsection\n22.01.04, 22.01.22.\n\nNo\n\nNo\n\nNo\n\nThis row redisplays from the General Information subsection 22.01.23.\n\nNo\n\nCalculated: The sum of all Adjustment Amounts for the comparable. Can\nbe positive, negative, or 0.\n\nNo\n\nCalculated: Adjusted Price of Comparable / Units Excluding ADUs\n\n22.15.06\n\nContract Price\n\nIf relevant\n\nYes | No\n\nRequired when Listing\nStatus is Pending, and\nthe row is included in\nthe sales comparison\ngrid\n\n22.15.03\n22.15.06\n\nContract Price\n\nIf relevant\n\nRequired if Contract\nPrice Unknown is No\n\nDollar amount\n\n22.15.07\n\nSale Price\n\nAlways\n\nRequired if Listing\nStatus is Settled Sale\n\nDollar amount\n\n22.15.08 Net\n"} diff --git a/chunks/json/cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da.json b/chunks/json/cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da.json new file mode 100644 index 0000000000000000000000000000000000000000..9350f2ff2c07292766560ae2980c81f449bf62ac --- /dev/null +++ b/chunks/json/cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":218522,"char_start":216824,"chunk_id":"chk_c954c02468455a75","chunk_index":126,"chunk_sha256":"cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 23 of 24\nPage 23 of 24\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\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"} diff --git a/chunks/json/cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc.json b/chunks/json/cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc.json new file mode 100644 index 0000000000000000000000000000000000000000..283af24d0a103d0d568905e8b7d2612a284110e6 --- /dev/null +++ b/chunks/json/cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_6c79f80b92350dba","chunk_index":0,"chunk_sha256":"cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4bc32a13c076674b","text_sha256":"cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_s_Housing_Finance_Examiner_Commission_Program_9277yh.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/housing-finance-examiner-commission\"\ndate_accessed: \"2026-01-27T17:47:55.373Z\"\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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9.json b/chunks/json/cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9.json new file mode 100644 index 0000000000000000000000000000000000000000..8f6d39e6001f88f4a914f2e0b9696d805f835ad1 --- /dev/null +++ b/chunks/json/cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31999,"char_start":31312,"chunk_id":"chk_e95c76561d670098","chunk_index":45,"chunk_sha256":"cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9","token_estimate":583,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 141\n\nDisaster Mitigation Commentary ............................................................................................................................................................................................. 141\n\nDisaster Mitigation Exhibits ...................................................................................................................................................................................................... 142\n"} diff --git a/chunks/json/cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777.json b/chunks/json/cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777.json new file mode 100644 index 0000000000000000000000000000000000000000..6e213d8c1d3b0703bfefadf81c9ac0775c9f2bca --- /dev/null +++ b/chunks/json/cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8725,"char_start":6907,"chunk_id":"chk_31656063746feb1c","chunk_index":4,"chunk_sha256":"cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777","token_estimate":455,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"Apr 21,\n2025\n\nULI Data\nValidation\n\nOn February 24, 2025, Loan Delivery introduced new warning edits 2821, 2855, 2856, and 2857\nto support the delivery of the Universal Loan Identifier (ULI) when applicable. These edits\napply to Sort ID 403.1 and are fatal effective April 21, 2025. See ULDD Phase 5\nImplementation Considerations for details.\n\nApr 21,\n2025\n\nMay 18,\n2025\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n\n•\n\n•\n\n23 new informational edits to validate CPM delivery restrictions and system\navailability, Value Acceptance, and Appraisal\n23 warning edits to validate appraisal, eMortgages, legal entity, Green mortgages,\nValue Acceptance, income, and HomeStyle Renovation eligibility\n5 fatal edits to validate borrower address and Universal Loan Identifier (ULI).\n\nAMI Updates Area median incomes (AMIs) for 2025 will be implemented in Desktop Underwriter® (DU®) and\nHomeReady® application programming interfaces (APIs), Loan Delivery, and the Area Median\nIncome Lookup Tool effective May 18. The AMIs will continue to be applied in DU based on\nthe casefile create date while the Application Received Date provided in Loan Delivery will be\nused to determine which AMI limit to use when evaluating eligibility for the loan-level price\nadjustment (LLPA) waiver. See the Area Median Incomes 2025 Selling Notice for more details.\n\nMay 19,\n2025\n\nMBS\nEnhancements\n\nLoan Delivery will introduce enhancements that provide additional transparency in the MBS\nloan delivery process and a self-service model to handle exceptions real-time as they\noccur. These updates relate to the exceptions which occur post-submission and may have\npreviously required manual resolution with Fannie Mae’s Acquisitions Operations team.\n"} diff --git a/chunks/json/cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de.json b/chunks/json/cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de.json new file mode 100644 index 0000000000000000000000000000000000000000..5a73fe1ae6d026fc85d8ac525a3adb557985ddd7 --- /dev/null +++ b/chunks/json/cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de.json @@ -0,0 +1 @@ +{"chunk":{"char_end":722362,"char_start":720765,"chunk_id":"chk_796e27a9d8f20cb2","chunk_index":428,"chunk_sha256":"cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb\norhoodLocationType='Suburban']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb\norhoodLocationType='Rural']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange\nType='Over75Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange\nType='25To75Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange\nType='Under25Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy\npe='Rapid']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy\npe='Stable']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy\npe='Slow']\n\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nDemand Supply\nType\nNeighborhood\nDemand Supply\nType\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue\nTrendType='Increasing']\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue\nTrendType='Stable']\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue\nTrendType='Declining']\n\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl\nyType='Shortage']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl\nyType='InBalance']\n\n8\n\n8\n"} diff --git a/chunks/json/cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec.json b/chunks/json/cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec.json new file mode 100644 index 0000000000000000000000000000000000000000..4e12579725fe11189431fad203fb4dd6cb1d4ce9 --- /dev/null +++ b/chunks/json/cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":174736,"char_start":172800,"chunk_id":"chk_654c266047c1c3cf","chunk_index":83,"chunk_sha256":"cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec","token_estimate":484,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.4.2\n\nDoes the loan have\nthese features?\n\n…/LOAN_DETAIL\n\nPrepaymentPenalty\nIndicator\n\nfalse\n\nRepresented as\n“NO” on form\n\nb. YES--LOAN HAS A PREPAYMENT PENALTY FEATURE\n\nIf a prepayment penalty is a feature of the loan, the maximum possible prepayment penalty amount and the\nperiod during which it may be imposed must be disclosed, using the language illustrated in the figure below.\n\n4.0 Loan Terms\n\nDoes the loan have these features?\n\n4.4 Prepayment Penalty\n\n4.4.2 YES\n\n4.4.3 • As high as $1,000 if you pay off the loan\n\nduring the first 5 years\n\n4.5 Balloon Payment\n\n4.5.2 NO\n\n4.4.3 • You will have to pay $149,263 at the\n\nend of year 7.\n\nAppendix E: UCD Implementation Guide\n\nPage 76 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 49. Loan Has Prepayment Penalty\n\nTable 67. Prepayment Penalty Terms\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.4.2\n\nDoes the loan have\nthese features?\n\n…/LOAN_DETAIL\n\nPrepaymentPenalt\nyIndicator\n\ntrue\n\nRepresented as\n“YES” on form\n\n…/PREPAYMENT_P\nENALTY_LIFETIME_\nRULE\n\nPrepaymentPenalt\nyExpirationMonths\nCount\n\n60\n\nPrepaymentPenalt\nyMaximumLifeOfLo\nanAmount\n\n1000\n\nRepresented as “5\nYears” on form\n\nRepresented as\n“$1,000” on form\n\n4.4.3\n\n4.4.3\n\nAs high as $n if you\npay off the loan\nduring the first n\nyears\n\nAs high as $n if you\npay off the loan\nduring the first 5\nyears\n\n4. 5 BALLOON PAYMENT\n\nThe Loan Terms table includes a statement about whether the loan has a balloon payment feature. The\nRegulation defines a P&I or interest-only payment as being a balloon payment if it is more than two times any\none regular periodic payment during the loan term; unless it is itself a regular periodic payment. A regular\nperiodic payment is one that is made under the terms of the loan contract for two or more periods in\nsuccession.\n"} diff --git a/chunks/json/ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50.json b/chunks/json/ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50.json new file mode 100644 index 0000000000000000000000000000000000000000..ffd121d4702a64967e942b961c513a0364a244c0 --- /dev/null +++ b/chunks/json/ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19050,"char_start":17425,"chunk_id":"chk_12497ea86364c337","chunk_index":11,"chunk_sha256":"ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50","token_estimate":407,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is\nsubject to the following assumptions and limiting conditions:\n\n1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it,\nexcept for information that he or she became aware of during the research involved in performing this appraisal. The appraiser\nassumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has included a floor plan in this appraisal report that shows the approximate dimensions of the improvements. The\nfloor plan is included only to assist the reader in visualizing the property and understanding the appraiser’s determination of its size.\n\n3. The appraiser has relied on data provided by third-parties in this appraisal report. Such data may include, but is not limited to,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views,\nproperty data services, surveys, engineering reports, and property data aggregations. After examination of the data and data\nsources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material omissions\nand makes no guarantees, express or implied, regarding the accuracy of this data.\n\n4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n"} diff --git a/chunks/json/ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411.json b/chunks/json/ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411.json new file mode 100644 index 0000000000000000000000000000000000000000..ea407fe10bca205026ef48a95864f03ba0cd4c38 --- /dev/null +++ b/chunks/json/ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1126918,"char_start":1125265,"chunk_id":"chk_91e0a8c0694a413d","chunk_index":669,"chunk_sha256":"ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 187 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@Proper\ntySalesAmount\n\n11\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only\n\nThis field is required if field 1-33 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nCR\n\n235\n\n236\n\n2\n\n2\n\n13\n\n14\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price/Gross Liv. Area\n\nSales Price Per\nGross Living Area\nAmount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This is a\nratio between the sales price and an area,\nbut it is a monetary value rather than a\nfactor or rate. (CALCULATED\nRESULTS FIELD)\n\n237\n\n2\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Overall\nLocation Rating\nType\n\nThe overall rating of the location\nassociated with the property.\n\n238\n\n2\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location Type\n\nThe type of location influences associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@SalesP\nricePerGrossLivingAreaAmount\n"} diff --git a/chunks/json/ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389.json b/chunks/json/ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389.json new file mode 100644 index 0000000000000000000000000000000000000000..3a048757694a5f9c90a4d96e4a1ab9af6bd8eadc --- /dev/null +++ b/chunks/json/ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1078665,"char_start":1077008,"chunk_id":"chk_b8a3300ac60a5f3d","chunk_index":641,"chunk_sha256":"ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Source Type\nOther Description\n\nA free-form text field used to describe the\ndata source type if Other is selected as the\nStructure Data Source Type.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D\nATA_SOURCE[@DataSourceType='Other']/@DataSourceTypeOtherDescri\nption\n\n135\n\nIMPROVEMENTS\n\nData Source(s) for Gross Living\nArea\n\nGross Living Area\nSquare Feet Data\nSource Description\n\nA free-from text field describing where\nthe value of Gross Living Area Square\nFeet Count came from.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@GrossLivingAr\neaSquareFeetDataSourceDescription\n\n136\n\nIMPROVEMENTS\n\nUnits\nOne\n\nStructure Accessory\nUnit Exists Indicator\n\nIndicates that the structure has an\naccessory unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@LivingUnitCou\nnt='1' and @_AccessoryUnitExistsIndicator='N']\n\n137\n\nIMPROVEMENTS\n\nUnits\nOne with Accessory Unit\n\nStructure Accessory\nUnit Exists Indicator\n\nIndicates that the structure has an\naccessory unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@LivingUnitCou\nnt='1' and @_AccessoryUnitExistsIndicator='Y']\n\n138\n\nIMPROVEMENTS # of Stories\n\nGSE Stories Count\n\n139\n\nIMPROVEMENTS\n\n140\n\nIMPROVEMENTS\n\n141\n\nIMPROVEMENTS\n\nBuilding Type\nDet.\n\nBuilding Type\nAtt.\n\nBuilding Type\nS-Det./End Unit\n\nAttachment Type\n\nAttachment Type\n\nAttachment Type\n\nThe number of whole or partial stories of\nthe property.\n\nSpecifies the type of physical attachment,\nif any, between the dwelling unit and\nadjacent dwelling units.\nSpecifies the type of physical attachment,\nif any, between the dwelling unit and\nadjacent dwelling units.\nSpecifies the type of physical attachment,\nif any, between the dwelling unit and\nadjacent dwelling units.\n"} diff --git a/chunks/json/ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5.json b/chunks/json/ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5.json new file mode 100644 index 0000000000000000000000000000000000000000..dcfee988927b96962250f6b2965190aec1a0ffad --- /dev/null +++ b/chunks/json/ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":283021,"char_start":281305,"chunk_id":"chk_ecbd431bad331470","chunk_index":165,"chunk_sha256":"ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality 1004\nDesktop/70D\n\nIndicates whether the total\nadjustments made to the property\nsales price during the application of\nthe Sales Comparison approach were\npositive. This field is specific to the\nappraisal forms.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\nand\n@SalesPriceTotalAdjustmentPositiveIndicator='\nN']\n\nThe dollar value of the total\nadjustments made to a comparable\nproperty sales price during the\napplication of the Sales Comparison\napproach to determine the market\nvalue of the subject property.\n(CALCULATED RESULTS FIELD)\n\nThe percentage of the net sales price\nadjustments to the sales price of a\nproperty during the application of the\nsales comparison approach to\nproperty valuation. (CALCULATED\nRESULTS FIELD)\nThe percentage of the gross sales\nprice adjustments (i.e. sum of the\nabsolute adjustment values) to the\nsales price of a property during the\napplication of the sales comparison\napproach for property valuation.\n(CALCULATED RESULTS FIELD)\nThe sales price of a property after it\nhas been adjusted during the\napplication of the Sales Comparison\napproach for property valuation.\nIndicates that the sales or transfer\nhistory research of the subject\nproperty and comparable sales was\nperformed.\nIndicates that the sales or transfer\nhistory research of the subject\nproperty and comparable sales was\nperformed.\nA free-form text field used to describe\nor comment on why the sales or\ntransfer history research of the subject\nproperty and comparable sales was\nnot performed.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@SalePriceTotalAdjustmentAmount\n"} diff --git a/chunks/json/cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e.json b/chunks/json/cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e.json new file mode 100644 index 0000000000000000000000000000000000000000..060670147f1422060064c531b25146f64b02af93 --- /dev/null +++ b/chunks/json/cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":461168,"char_start":458991,"chunk_id":"chk_2fe4928992bbd1c6","chunk_index":261,"chunk_sha256":"cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e","token_estimate":545,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Uniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nTable 144. AIR Table – Step Rate Mortgage\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n…/INTEREST_RATE_A\nDJUSTMENT/INTERE\nST_RATE_PER_CHAN\nGE_ADJUSTMENT_R\nULES/INTEREST_RAT\nE_PER_CHANGE_ADJ\nUSTMENT_RULE\n\nFirst Change\n\n20.4 |\n20.6 |\n4.2.3(1)\n\n20.6\n\nLimits on Interest\nRate Changes – First\nChange\n\n20.1 |\n20.4 |\n4.2.3(1)\n\nChange Frequency-\nFirst Change\n\nAdjustmentRuleType First\n\nPerChangeMaximum\nIncreaseRatePercent\n\n1.0000\n\nPerChangeRateAdjus\ntmentFrequencyMon\nthsCount\n\n12\n\nSecond Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE\n\n20.5 |\n20.7\n\nSubsequent Change …/INTEREST_RATE_P\nER_CHANGE_ADJUST\nMENT_RULE\n\nAdjustmentRuleType Subsequent\n\nROF as “First\nChange” for both\nChange Frequency\nand Limits\n\nROF as “1%”\n\nROF as “Every 12\nmonths”\n\nROF as “Subsequent\nChange” for both\nChange Frequency\nand Limits\n\nROF as “1%”\n\n20.7\n\nLimits on Interest\nRate Changes-\nSubsequent Change\n\n20.1 |\n20.5\n\nChange Frequency-\nSubsequent Change\n\nPerChangeMaximum\nIncreaseRatePercent\n\n1.0000\n\nPerChangeRateAdjus\ntmentFrequencyMon\nthsCount\n\n12\n\nROF as “Every 12\nmonths after first\nchange”\n\nEnd of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE Instances\n\n20.2 |\n4.2.1\n\nInitial Interest Rate\n\n…/LOAN/TERMS_OF_\nLOAN\n\nNoteRatePercent\n\n2.0000\n\nROF as “2%”\n\n3. MAPPI NG GUI DANCE\n\nThe structure of the AIR Table means that if the step rate mortgage has a regular adjustment schedule, the\nsame change frequency and change rate are disclosed for both the first and subsequent adjustments.\n\n20.1 and 20.3 INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE holds the data points specifying the floor and\nceiling interest rates and the date of the first rate change. An EXTENSION to\nINTEREST_RATE_LIFETIME_ADJUSTMENT_RULE captures the number of times the interest rate is scheduled to\nchange. The reason the “Lifetime” rule is used is that these terms are known at the time the loan is closed and\nare in effect for the entire life of the loan. CeilingRatePercent and FirstRateChangeMonthsCount support values\ndisclosed in both the Loan Terms and AIR Tables, but appear in the XML file only once.\n"} diff --git a/chunks/json/ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2.json b/chunks/json/ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2.json new file mode 100644 index 0000000000000000000000000000000000000000..8ac49986e0b694b18365f1ba9447893687c51cd4 --- /dev/null +++ b/chunks/json/ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62086,"char_start":60431,"chunk_id":"chk_e76a349b3ee495a6","chunk_index":35,"chunk_sha256":"ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\n09.025 Appraiser or\nSupervisory\nAppraiser\n\n09.028 N/A\n\n09.027 Date of\n\nSignature and\nReport\n\n09.029\n\nLevel\n\nAlways displays for\neach person signing\nthe report\n\nAlways displays for\neach person signing\nthe report\n\nAlways displays for\neach person signing\nthe report\n\nAlways displays for\neach person signing\nthe report\n\nSignature\n\nAllowable\nAnswers / Format\n\nAppraiser or\nSupervisory\nAppraiser\n\nFree-form\n\nDefinition / Additional Guidance\n\nContact Name\nThe full name of the appraiser or supervisory appraiser, as it appears on the\nAppraisal Subcommittee website.\n\nNote: Redisplays from 08.013 (Appraiser) or 08.028 (Supervisory Appraiser).\n\nmm/dd/yyyy\n\nThe date the Completion Report was signed.\nNote: If revisions are performed, the report must reflect the new date.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nCredential Type\n•\n\nNone (includes noncredentialled appraiser trainees or jurisdictions that\ndo not provide credentials to appraiser trainees)\nCertified General\nCertified Residential\nLicensed Residential\nTrainee Appraiser (appraiser trainees with an issued credential, also\nreferred to as Registered Trainee)\nOther (Describe)\n\n•\n•\n•\n•\n\n•\n\n09.030\n\nID\n\nDisplays if Credential\nType is not None\n\nFree-form\n\n09.031\n\nState\n\nDisplays if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nNote: Redisplays from 08.020 (Appraiser) or 08.035 (Supervisory Appraiser).\n\nThe credential as reported by the ASC. Commonly referred to as “credential\nnumber,” “license number,” or “certification number.”\nNote: Redisplays from 08.021 (Appraiser) or 08.036 (Supervisory Appraiser).\n"} diff --git a/chunks/json/ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7.json b/chunks/json/ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7.json new file mode 100644 index 0000000000000000000000000000000000000000..b450c9a74731218178e00ceba68e57d77b1a305f --- /dev/null +++ b/chunks/json/ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3314,"char_start":1648,"chunk_id":"chk_6412f2b1dee6e67c","chunk_index":1,"chunk_sha256":"ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7","token_estimate":417,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"The subject is for sale by owner and currently pending with a current list price of $160,000.\n\nKey Characteristics\n\n• Connected to public electricity and water, and private cesspool\n• Construction Method: Site Built\n• Attachment Type: Detached\n• Property Rights: Mineral Rights not included\n• Defects, Damages, Deficiencies have been identified\n•\n\nIncludes Income Approach\no Rent Schedule\no Gross Rent Multiplier Comparables\n\n• Parties associated with this transaction:\n\no Appraiser (Trainee)\no Supervisory Appraiser (did not inspect)\n\n•\n\nIncludes Revision History and Supplemental Information sections\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\n12345 HOLIDAY HWY, SURFSIDE, HI 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$195,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n10/05/2019\nPurchase\nBetty Borrower\nSydney Seller\n$160,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nTom Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n2\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"} diff --git a/chunks/json/cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2.json b/chunks/json/cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2.json new file mode 100644 index 0000000000000000000000000000000000000000..3da1775bc7eb24518c2854c9a9c93c2b56641276 --- /dev/null +++ b/chunks/json/cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58686,"char_start":57062,"chunk_id":"chk_23034192d4eddd5d","chunk_index":27,"chunk_sha256":"cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The twenty-six sections under Chapter 3 organize and describe each UCD v2.0 data point under DEAL in MISMO v3.3.0 schema\norder. The I-Guide follows this structure starting with “A. Subject Property Data” and ending with “Z. Conditional Parties\nData”.\n\nA. SUBJECT PROPERTY DATA\n\nThe UCD XML file collects limited information about the subject property. The container names identify the types of\n\ninformation to be provided.\n\nTable 6. XML File Container Structure for Subject Property Data.\n\nUCD\nUnique ID\n\nContainer Name\n\nNotes\n\n999.017\n\nDEAL\n\nParent container of all UCD XML file containers and data\nsupporting the CD.\n\n999.020/999.5\n97\n\nCOLLATERALS/COLLATERAL\n\nHolds one instance of COLLATERAL describing the subject (real)\nproperty.\n\n999.024\n\nSUBJECT_PROPERTY\n\nHolds containers that categorize subject property information.\n\n999.025\n\nADDRESS\n\n▪ Holds address data points.\n\n▪ In MISMO v3.3.0, ADDRESS is “reusable” which means it has\nmore than one parent container. The only way to know the\ncontext of an ADDRESS container is to rely on the XPath to\nidentify the parent container for meaning. In this case, the\nparent container, SUBJECT_PROPERTY lets us know.\n\nHolds one data point: UnparsedLegalDescription.\n\n999.026/999.0\n27/999.028/99\n9.029\n\nLEGAL_DESCRIPTIONS/LEGAL_DESCRIPTI\nON/UNPARSED_LEGAL_DESCRIPTIONS/U\nNPARSED_LEGAL_DESCRIPTION\n\n999.030\n\nPROPERTY_DETAIL\n\nHolds property characteristics data points.\n\n999.031\n/999.032/999.\n033\n\nPROPERTY_VALUATIONS/PROPERTY_VAL\nUATION/PROPERTY_VALUATION_DETAIL\n\nHolds property valuation information.\n\n999.034/999.0\n35/999.036\n\nSALES_CONTRACTS/SALES_CONTRACT/\nSALES_CONTRACT_DETAIL\n"} diff --git a/chunks/json/cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08.json b/chunks/json/cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08.json new file mode 100644 index 0000000000000000000000000000000000000000..63ba581d93509e7fe2e92adf3cb890187cf3eb50 --- /dev/null +++ b/chunks/json/cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08.json @@ -0,0 +1 @@ +{"chunk":{"char_end":254602,"char_start":252934,"chunk_id":"chk_bfecde4d422683e0","chunk_index":147,"chunk_sha256":"cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This unit has a water view of the river and is\nlarger in size when compared to the subject.\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 14 of 18\nPage 14 of 18\n\nSales Comparison Approach (continued)\n\nNew Pg\n\nSales Comparison Map\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 15 of 18\nPage 15 of 18\n\nSales Comparison Approach (continued)\n\nNew Pg\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\n\nPro Rata Share Calculation\nMethod\n\nMarket Value Condition\n\nSales Comparison Approach\n$595,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$585,000\n$548,999 (Cooperative Interest)\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30–60 days\n08/28/2019\n\nMaximum\nAs Is\n\nThe market value represents the cooperative interest. The cooperative interest is the equity portion that is over and above the pro rata share of the\nblanket mortgage(s).\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n"} diff --git a/chunks/json/cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c.json b/chunks/json/cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c.json new file mode 100644 index 0000000000000000000000000000000000000000..f061fbc2bd6c3bbdc259603882c721e9e67b0462 --- /dev/null +++ b/chunks/json/cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1097845,"char_start":1096235,"chunk_id":"chk_68fcbe3e5e8fd0f9","chunk_index":652,"chunk_sha256":"cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If none, then zero (0) must be entered.\n\nBoolean\n\nA value of 'Y' indicates a patio/deck exists, a value of 'N' indicates the box is not\nchecked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the patio/deck. If there is no patio or deck,\nindicate 'None'.\n\nBoolean\n\nA value of 'Y' indicates a porch exists, a value of 'N' indicates the box is not\nchecked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the porch. If no porch indicate 'None'.\n\nBoolean\n\nA value of 'Y' indicates a pool exists, a value of 'N' indicates the box is not checked.\n\nThis field should be populated if the value\nindicated in field 1-173 (Amenity Detailed\nDescription) is not equal to 'None'\n\nThis field should be populated if the value\nindicated in field 1-175(Amenity Detailed\nDescription) is not equal to 'None'\n\nThis field should be populated if the value\nindicated in field 1-177 (Amenity Detailed\nDescription) is not equal to 'None'\n\n1\n\n2\n\n1\n\n2\n\n1\n\n6\n\n1\n\n10\n\n1\n\n168\n\n169\n\n170\n\n171\n\n1\n\n1\n\n1\n\n1\n\n173\n\n174\n\n175\n\n176\n\n177\n\n178\n\n179\n\n180\n\n181\n\n182\n\n183\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 183 of 211\n\nDocument Version 1.4\n\n184\n\n185\n\n186\n\n187\n\n188\n\n189\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n191\n\n192\n\n193\n\n1\n\n1\n\n1\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n"} diff --git a/chunks/json/cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea.json b/chunks/json/cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea.json new file mode 100644 index 0000000000000000000000000000000000000000..98ccb861482ddebce94c0d33ec1f8cdf627b5088 --- /dev/null +++ b/chunks/json/cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28744,"char_start":28270,"chunk_id":"chk_1b271464d7663974","chunk_index":39,"chunk_sha256":"cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 114\n\nPage 12\n\nSite Size and Parcels ................................................................................................................................................................................................................. 114\n"} diff --git a/chunks/json/cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11.json b/chunks/json/cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11.json new file mode 100644 index 0000000000000000000000000000000000000000..d2e3f2cb3d3db863efa09bd48d9d04f934f8daa9 --- /dev/null +++ b/chunks/json/cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":397899,"char_start":396171,"chunk_id":"chk_02c23f2ba5fd21e2","chunk_index":229,"chunk_sha256":"cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 13 of 21\nPage 13 of 21\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nListing ID\nFQ999999\n\nStart Date\n09/05/2019\n\nEnd Date\n09/17/2019\n\nDOM\n12\n\nTotal DOM 12\n\nStarting\nList Price\n$489,000\n\nCurrent or\nFinal List Price\n$489,000\n\nAnalysis of Subject Property Listing History The only listing of the subject property in the past year has been for $489,000 for 12 days prior\nto contract. The contract provided to the appraiser contains no atypical terms or conditions, see Sales Contract section for further analysis.\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$489,000\n09/17/2019\nTypically Motivated\nYes\n\nPersonal property is not included in the appraiser’s final opinion of value\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\nTotal Sales Concessions\n\nTypical for Market\n\nYes\n$5,000\nYes\n\nSales Contract Analysis\n\n$5,000 concession towards repair of the carpet. Window treatments, washer and dryer, and media room projector conveyed per sales contract.\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Only prior sale of the subject was when it was a new construction in 2004.\n"} diff --git a/chunks/json/cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397.json b/chunks/json/cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397.json new file mode 100644 index 0000000000000000000000000000000000000000..3d292542f7b518644f838839444c560ee389fc34 --- /dev/null +++ b/chunks/json/cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1030674,"char_start":1028991,"chunk_id":"chk_34cc185dba6ff3ee","chunk_index":614,"chunk_sha256":"cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-49, 1-50 (values of Sales Concession\nIndicator) must be indicated.\n\nData Field\nConditionality\n\nCR\n\nCR\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\n53\n\n54\n\n55\n\n56\n\n57\n\n58\n\n59\n\n60\n\n61\n\n62\n\n63\n\n64\n\n65\n\n66\n\n67\n\n68\n\n69\n\n70\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n50\n\nCONTRACT\n\nIs there any financial assistance\n(loan charges, sale concessions,\ngift or down payment assistance,\netc.) to be paid by any party on\nbehalf of the borrower? No\n\nSales Concession\nIndicator\n\nIndicates that someone made concessions\nfor the current sales contract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesC\noncessionIndicator=‘N’]\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\n51a\n\nCONTRACT\n\nIf Yes, report the total dollar\namount and describe the items to\nbe paid.\n\nSales Concession\nAmount\n\nThe dollar amount of the value of sales\nconcessions granted by an interested party\nincluding such items as furniture,\ncarpeting, decorator allowances,\nautomobiles, vacations, securities,\ngiveaways or other sales incentives.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesC\noncessionAmount\n\n10\n\nMoney\n\nUAD Requirement - Refer to Appendix D Contract Section\nWhole dollars only.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-49, 1-50 (values of Sales Concession\nIndicator) must be indicated.\n"} diff --git a/chunks/json/cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a.json b/chunks/json/cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a.json new file mode 100644 index 0000000000000000000000000000000000000000..5c1cb83cd424ab11fea8ab553bc4c8516609a9c5 --- /dev/null +++ b/chunks/json/cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1624,"char_start":0,"chunk_id":"chk_7fb1164e6761b3db","chunk_index":0,"chunk_sha256":"cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d6b9a54a1de1ce5b","text_sha256":"cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-april-15-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1 April Update\n\nMar. 1, 2023\n\nUpdated Mar. 24, 2023\n\nDuring the weekend of April 15, 2023, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the\nchanges described below. The changes in this release will apply to DU Version 11.1 loan casefiles submitted or resubmitted on\nor after the weekend of April 15, 2023.\n\nThe changes in this release include the following:\n▪ Valuation Modernization\n▪ DU Validation Service Updates\n▪ Updates to Align with the Selling Guide\n\nMar. 24, 2023: The date in the “Note” below in the Value Acceptance + Property Data section has been updated to April 16.\n\nValuation Modernization\n\nSelling Guide Announcement SEL-2023-02 introduced new terms and options to establish a property’s market value. The\nfollowing updates will be made to DU to support the changes specified in the announcement.\n\nValue Acceptance\n\nThis term is now used in conjunction with the term “appraisal waiver” to better reflect the actual process of using data and\ntechnology to accept the lender-provided value. The DU appraisal waiver messages will be updated to reflect the term “value\nacceptance (appraisal waiver).”\n\nValue Acceptance + Property Data\n\nValue acceptance + property data is a new option that utilizes property data collection by a third party who conducts interior and\nexterior data collection on the subject property. When this option is used, an appraisal is not required. This option also requires\nsubmission of the data to Fannie Mae’s Property Data API and requires delivery of Special Feature Code 774.\n"} diff --git a/chunks/json/cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379.json b/chunks/json/cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379.json new file mode 100644 index 0000000000000000000000000000000000000000..d08ee6080cf22ffac3c6254436a6b8ed86ec29cb --- /dev/null +++ b/chunks/json/cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379.json @@ -0,0 +1 @@ +{"chunk":{"char_end":327557,"char_start":326305,"chunk_id":"chk_c38b9bf926dd3601","chunk_index":178,"chunk_sha256":"cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"10.1.1\n\n$8,054 10.1.2\n\n$9,712.10 10.1.3 YES 10.1.4 ● See Total Loan Costs (D) and Total Other\n\nCosts (I)\n\n10.2 Closing Costs Paid Before Closing\n\n10.3 Closing Costs Financed\n\n(Paid from your Loan Amount)\n\n10.4 Down Pa yment\n\n10.5 Deposit\n\n10.6 Funds for Borrower\n\n10.7 Seller Credits\n\n10.8 Adjustments and Other Credits\n\n10.2.1\n\n10.3.1\n\n10.4.1\n\n10.5.1\n\n10.6.1\n\n10.7.1\n\n10.8.1\n\n$0 10.2.2\n\n-$29.80 10.2.3 YES 10.2.4 ● You paid these Closing Costs before\n\nclosing\n\n$0 10.3.2\n\n$0 10.3.3 NO\n\n$18,000 10.4.2 $18,000.00 10.4.3 NO\n\n-$10,000 10.5.2 -$10,000.00 10.5.3 NO\n\n$0 10.6.2\n\n$0 10.6.3 NO\n\n$0 10.7.2\n\n-$2,500.00 10.7.3 YES 10.7.4 ● See Seller Cr edits in Section L\n\n$0 10.8.2\n\n-$1,035.04 10.8.3 YES 10.8.4 ● See details in Sections K & L\n\n10.9 Cash to Close\n\n10.9.1\n\n$16,050 10.9.2 $14,147.26\n\nFigure 88. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower Only\n\nExcept for the Cash to Close Totals (10.9) which are described below, Cash to Close table line items are disclosed\naccording to the following pattern (also illustrated in the figure above.) Disclose the cash to close line items in\nthe order illustrated\n\n1. Provide the applicable amount from the corresponding line item in the Loan Estimate’s Calculating Cash\n"} diff --git a/chunks/json/cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b.json b/chunks/json/cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b.json new file mode 100644 index 0000000000000000000000000000000000000000..5c4388116d5c8b2709bfe201c2096cd023e9d632 --- /dev/null +++ b/chunks/json/cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":401104,"char_start":399501,"chunk_id":"chk_f84cc2a879218097","chunk_index":231,"chunk_sha256":"cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"$11,000\n\n08/05/2019\n\n09/10/2019\n\n6\n\nDetached\n\nFee Simple\n\n$10,400\n\n07/02/2019\n\n08/31/2019\n\n14\n\nDetached\n\nFee Simple\n\n14,950 Sq. Ft.\n\n17,886 Sq. Ft.\n\n$0\n\n13,038 Sq. Ft.\n\n$0\n\n16,039 Sq. Ft.\n\n0.4 Miles NE\n\n$525,000\n\nSettled Sale\n\n—\n\n$520,000\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nSunnyside\n\nSunnyside\n\nRolling\n\nRolling\n\nSunnyside\n\nRolling\n\nHilldale\n\nFlat\n\n$(2,000)\n\nResidential\n\nResidential\n\nBusy Roadway\n\n$5,000\n\nResidential\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\n2004\n\nColonial\n\n2004\n\nColonial\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nCentralized\n\nCentralized\n\n2004\n\nColonial\n\nForced Warm Air\n| Natural Gas\n\nCentralized\n\n2001\n\nColonial\n\n$0\n\nForced Warm Air\n| Natural Gas\n\nCentralized\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nTopography\n\nSite Influence (Location)\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nDwelling Style\n\nHeating\n\nCooling\n\nEnergy Efficient and Green Features\n\nEfficiency Rating\n\nHERS | 62\n\n$0\n\nNone\n\n$0\n\nHERS | 61\n\n$0\n\nNone\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\n5\n\n3 | 1\n\n3,002 Sq. Ft.\n\n1,300 Sq. Ft.\n\n4\n\n2 | 1\n\n$10,000\n\n$10,000\n\n2 | 2\n\n3,260 Sq. Ft.\n\n$(10,300)\n\n2,804 Sq. Ft.\n\n0 Sq. Ft.\n\n$26,000\n\n1,200 Sq. Ft.\n\n230 Sq. Ft.\n\n1,624 Sq. Ft.\n\n$(13,940)\n\n66 Sq. Ft.\n\n4\n\n$10,000\n\n4\n\n$10,000\n\n$5,000\n\n$7,900\n\n$2,000\n\n$1,640\n\n3 | 1\n\n2,816 Sq. Ft.\n\n$7,400\n\n1,328 Sq. Ft.\n"} diff --git a/chunks/json/cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d.json b/chunks/json/cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d.json new file mode 100644 index 0000000000000000000000000000000000000000..7d60d170e73a3f4aa5904aaae8aa5c937d0f5da9 --- /dev/null +++ b/chunks/json/cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17140,"char_start":16655,"chunk_id":"chk_a7343556f22a9b3e","chunk_index":25,"chunk_sha256":"cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d","token_estimate":419,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Site Valuation Methodology (H1) ....................................................................................................................... 40\n\nSite Commentary (H1) ........................................................................................................................................ 41\n\nSite Exhibits (H1) ................................................................................................................................................. 41\n"} diff --git a/chunks/json/cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9.json b/chunks/json/cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9.json new file mode 100644 index 0000000000000000000000000000000000000000..f44158949b82787dda8cc2465a49fca8e63d4df1 --- /dev/null +++ b/chunks/json/cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":282042,"char_start":280420,"chunk_id":"chk_288326c2d1dd660c","chunk_index":161,"chunk_sha256":"cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN\n/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING\n\n0.042\n\nAutomatedUnderwritingCaseIdentifier\n\n9876543210\n\n0.039\n\nAutomatedUnderwritingSystemType\n\nDesktopUnderwriter\n\n…/AUTOMATED_UNDERWRITING\n\n0.042\n\nAutomatedUnderwritingCaseIdentifier\n\n0.039\n\nAutomatedUnderwritingSystemType\n\n654321\n\nOther\n\n0.040\n\nAutomatedUnderwritingSystemTypeOtherDescription LoanProductAdvisor\n\n…/UNDERWRITING/UNDERWRITING_DETAIL\n\n0.044\n\nLoanManualUnderwritingIndicator\n\nfalse\n\nUCD v2.0 Implementation Guide\n\n- 129 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 109. XML Snippet - Example Underwriting Data.\n\n\n…\n \n\n\n \n\n\n\n\n \n\n9876543210\n DesktopUnderwriter\n\n\n \n\n654321\n\nOther\n LoanProductAdvisor\n\n\n \n\n\n\nfalse\n\n\n\n\n\n…\n\n"} diff --git a/chunks/json/cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2.json b/chunks/json/cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2.json new file mode 100644 index 0000000000000000000000000000000000000000..ceb57cb9adb0a51978ada08cb64bb2420e0ec0f1 --- /dev/null +++ b/chunks/json/cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10389,"char_start":8753,"chunk_id":"chk_77fa38a3f3b86731","chunk_index":5,"chunk_sha256":"cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fdad72ce23b7e187","text_sha256":"cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Accessibility_at_FHFA___FHFA_eumj2.md"]},"text":"FHFA applies technical standards codified at [36 CFR 1194](https://www.access-board.gov/ict/) to Information Communication Technology (ICT) such as webpages, posted official agency communications (documents), and video/multimedia.\n\n## Physical Accessibility Statement\n\nFHFA is also committed to providing physical accessibility in agency facilities for those with disabilities in accordance with the [Architectural Barriers Act (ABA) of 1968 (42 U.S.C. 4151--57)](https://www.access-board.gov/aba/), **which requires that if a building or facility was built, designed, or altered using federal dollars or leased by federal agencies after August 12 of 1968, it must be accessible to all individuals.**\n\n[The Access Board](https://www.access-board.gov/) is an independent federal agency that promotes equality through accessibility efforts. Subject to certain limitations and exclusions, FHFA has adopted these same ABA accessibility standards by establishing appropriate physical accessibility standards in its facilities.\n\n## Points of Contact\n\nLaraine Bryant is FHFA’s webmaster. If you have a disability and the format of any material on our webpages interferes with your ability to access the information, please contact the agency's webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov). The webmaster will refer your request to the appropriate point of contact to resolve the issue. To enable us to respond in a manner most helpful to you, please indicate the nature of the accessibility problem, the web address of the requested material, the issue (small print, color contrast, etc.), and your contact information.\n"} diff --git a/chunks/json/cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28.json b/chunks/json/cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28.json new file mode 100644 index 0000000000000000000000000000000000000000..75da768c4b3e3532960f7549fd752dd5fc55a70b --- /dev/null +++ b/chunks/json/cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28.json @@ -0,0 +1 @@ +{"chunk":{"char_end":52479,"char_start":50792,"chunk_id":"chk_dbba94fd1f590550","chunk_index":31,"chunk_sha256":"cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"DesktopAppraisal;PriorHybrid;;YYYY-MM-DD\n\nDesktopAppraisal;Other;;\n\nTraditionalAppraisal\n\n1004/70\n\nNull\n\nNull\n\nNull\n\nTraditionalAppraisal;;;\n\n1073 Hybrid/465H & 1073 Desktop/465D\n\nAppraisal Assignment Type\n\nSubject Property Data\nCollection Method\n\nSubject Property Data\nCollection Workforce\n\nUse the type to drive the\napplicable version of scope\nof work/certs\n\nHow did the appraiser\nobtain information\nabout the subject\nproperty?\n\nIndividual who\ncompleted the property\ndata report (PDR) based\non one of the data\ncollection methods\n\nSubject Property\nData Collection\nDate\n\nDate when\nworkforce viewed\nthe subject property\nvia one of the data\ncollection methods\n\nConcatenated Values\n\nBelow are the enumerated concatenated values\nentered into the AppraisalReportContentName data\nelement and associated with the scenarios\npresented.\n\nImportant Notes:\n1. The enumerated data values are case\nsensitive.\n2. The Date format must be \"YYYY-MM-DD\".\n\nHybrid\n\nPhysical\n\nAppraiser\n\nHybrid;Physical;Appraiser;YYYY-MM-DD\n\n(Desktop appraisal\nleveraging PDR)\n\n1073 Hybrid/465H\n\n(e.g. physical visit to\nthe interior and\nexterior of subject\nproperty)\n\nAppraiserTrainee\n\nHybrid;Physical;AppraiserTrainee;YYYY-MM-DD\n\nYYYY-MM-DD\n\nRealEstateAgent\n\nHomeInspector\nInsInspector (e.g.\n*Insurance Inspector)\nOther\n\nHybrid;Physical;RealEstateAgent;YYYY-MM-DD\n\nHybrid;Physical;HomeInspector;YYYY-MM-DD\n\nHybrid;Physical;InsInspector;YYYY-MM-DD\n\nHybrid;Physical;Other;YYYY-MM-DD\n\nHybrid;Virtual;Appraiser;YYYY-MM-DD\n\nVirtual\n\nAppraiser\n\n(e.g. using technology\nsuch as Skype,\nFaceTime or other\nsimilar video capability\nthat allows workforce\nto view the interior\nand exterior of the\nsubject property from\na remote location)\n"} diff --git a/chunks/json/cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997.json b/chunks/json/cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997.json new file mode 100644 index 0000000000000000000000000000000000000000..26bb63eaa846d5aa531b9d58f036b7218155c678 --- /dev/null +++ b/chunks/json/cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_65ee8137a202281b","chunk_index":0,"chunk_sha256":"cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1a65065b3ed6f3a3","text_sha256":"cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer___FHFA_wrc2oh.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/credit-risk-transfer\"\ndate_accessed: \"2026-01-27T17:47:56.381Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5.json b/chunks/json/cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5.json new file mode 100644 index 0000000000000000000000000000000000000000..774244cb80f718a61ad34b1b9f5dde493b3b1834 --- /dev/null +++ b/chunks/json/cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":937101,"char_start":935272,"chunk_id":"chk_171488b1ce0b291c","chunk_index":557,"chunk_sha256":"cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5","token_estimate":488,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='Other' and\n@_TypeOtherDescription='RoomAboveGradeLine2']/@_Amount\n\n10\n\n1\n\n3\n\n10\n\n2\n\n10\n\n10\n\n2\n\n2\n\n5\n\nFormat\n\nMoney\n\nString\n\nMoney\n\nEnumerated\n\nMoney\n\nMoney\n\nNumeric\n\nNumeric\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates whether the actual age is estimated.\n\nThe sum of this field 3-82 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nBoolean\n\nPDF Display Format:\nIf 'Y' then display a tilde (~) before the value entered.\nIf 'N' then display nothing.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nNumeric, whole years only. Zero (0) is a valid value.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the overall condition of the property.\n\nThe sum of this field 3-84 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n"} diff --git a/chunks/json/cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377.json b/chunks/json/cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377.json new file mode 100644 index 0000000000000000000000000000000000000000..5c65fd6325f4b3ce040e65fb108970687990e671 --- /dev/null +++ b/chunks/json/cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377.json @@ -0,0 +1 @@ +{"chunk":{"char_end":308822,"char_start":307210,"chunk_id":"chk_bb507c394046092f","chunk_index":262,"chunk_sha256":"cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"\n\nHighestAndBestUse\nAdditional commentary may be added here.\n\n\n\nHighest and Best Use Exhibits\n\nThe Highest and Best Use Exhibits subsection displays when images are provided.\n\n• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 16.006.1) = “HighestAndBestUseExhibit”.\n• An image caption should be included using “ImageCaptionCommentDescription” (UID: 1400.0640, FID: 16.006.2).\n\n\n\n\n\nHighest and Best Use\nHighestAndBestUse\nzip://location/HighestAndBestUse.jpg\nimage/jpeg\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n17 Market\n\nPage 234\n\nThe Market section provides information about the current metrics of a market area, determined by the appraiser. This section focuses on\ndefining the market area, the geographic area, the associated sales, and listing activities that directly compete with the subject, and the\ntrends determined by that information. The Market section provides space for additional commentary and graphs or other exhibits to\nsupport the market analysis.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 235\n\nThe Market section always displays.\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\n17.003\n\nMarket Boundary\n\n3000.0008\n\nMarketBoundariesDescription\n"} diff --git a/chunks/json/cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0.json b/chunks/json/cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0.json new file mode 100644 index 0000000000000000000000000000000000000000..a88bc72e07735c1adee8bffbed25b0f62671cb75 --- /dev/null +++ b/chunks/json/cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2196,"char_start":1520,"chunk_id":"chk_f035ead39cab69aa","chunk_index":1,"chunk_sha256":"cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0","token_estimate":592,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Introduction ................................................................................................................................................................. 4\nPurpose and Overview................................................................................................................................................. 4\n\nProperty Address, City, State, ZIP Code ................................................................................................................... 7\nContract Section ........................................................................................................................................................ 16\n"} diff --git a/chunks/json/cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447.json b/chunks/json/cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447.json new file mode 100644 index 0000000000000000000000000000000000000000..42ae66c1f48902853fff837ffc2ad5398867c722 --- /dev/null +++ b/chunks/json/cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447.json @@ -0,0 +1 @@ +{"chunk":{"char_end":877700,"char_start":875875,"chunk_id":"chk_ec02e53755e7a089","chunk_index":521,"chunk_sha256":"cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447","token_estimate":457,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\n345\n\n3\n\ne-5\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERALL_\nRATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI\nFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC\nTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral\nlRatingType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nThis data is referenced more than once on the form in the Site Section, and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\nData Field\nConditionality\n\nR\n\n346\n\n3\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp\ne\n"} diff --git a/chunks/json/cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b.json b/chunks/json/cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b.json new file mode 100644 index 0000000000000000000000000000000000000000..f09ea4f0b2bcf8cb931ac8f200c78bd929624988 --- /dev/null +++ b/chunks/json/cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":158563,"char_start":156932,"chunk_id":"chk_358303d6d29952fa","chunk_index":92,"chunk_sha256":"cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 21 of 22\nPage 21 of 22\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n"} diff --git a/chunks/json/cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0.json b/chunks/json/cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0.json new file mode 100644 index 0000000000000000000000000000000000000000..8bc7f27de78b7380f5e04640ae2492433aee3d2c --- /dev/null +++ b/chunks/json/cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13402,"char_start":11692,"chunk_id":"chk_d64eaa616450af41","chunk_index":6,"chunk_sha256":"cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Implementation Notes\n\nProvides instructions or clarification for supporting the data point.\n\nConditionality Description\n\nRepresents the criteria for the conditionality of the data points.\n\nData Field Conditionality\n\nRepresents the conditionality of the data point. Systems must support all of the data points defined in Appendix A: Appraisal Forms Mapping. The conditionality column will\ncontain one of the three indicators:\n• Required (R): The data point must be included in the appraisal XML file.\n• Conditionally Required (CR): The data point must be included in the appraisal XML file when a defined business condition exists. The conditionally required parameters are\nprovided in the Conditionality Description column.\n• Transmit (T): The data point must be supported. If populated by the appraiser, then the value must be included in the appraisal XML file.\n\nColumn Descriptions\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 4 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nVALUATION_RESPONSE\n.REPORT\nReport Title Description**\nAppraisal Form Type\nAppraisal Purpose Type\nAppraisal Purpose Type Other Description\nAppraiser File Identifier\nAppraiser Additional File Identifier\nAppraiser Additional File Identifier Name\nAppraiser Report Signed Date\nSupervisor Report Signed Date\n\n.REPORT\n..FORM\nAppraisal Report Content Identifier\nAppraisalReportContentName\nAppraisalReportContentIsPrimaryFormIndicator\n\n.REPORT\n..EMBEDDED_FILE\n...DOCUMENT\n\n.PARTIES\n..APPRAISER\nAppraiser Name**\nAppraiser Company Name**\nAppraiser Street Address**\nAppraiser City**\nAppraiser State**\nAppraiser Postal Code**\n"} diff --git a/chunks/json/cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365.json b/chunks/json/cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365.json new file mode 100644 index 0000000000000000000000000000000000000000..198a191b3dde7c95d943f79df3e1705bf591953a --- /dev/null +++ b/chunks/json/cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18396,"char_start":15319,"chunk_id":"chk_f668e2447e17c6bb","chunk_index":9,"chunk_sha256":"cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d4a57dd06546df7","text_sha256":"cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365","token_estimate":948,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database__NMDB___Aggregate_Stati_fnqnit.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/17656\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b.json b/chunks/json/cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b.json new file mode 100644 index 0000000000000000000000000000000000000000..e40da093c75f6a8fb29fd2f6cac754ac9c66767a --- /dev/null +++ b/chunks/json/cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":230624,"char_start":228930,"chunk_id":"chk_d2c3528b30820882","chunk_index":135,"chunk_sha256":"cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b","token_estimate":424,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"o\n\no\n\nIf in a low-rise, mid-rise, or high-rise, this is specific to the\nsubject unit only, and not the total number of units in the\nbuilding.\nThe total number of units in a condominium or cooperative\nproject is reported in the Project Information section.\n\nAdditional information about each living unit or ADU is captured in the\nUnit Interior section that displays after the associated Dwelling Exterior\nsection.\n\n8.002\n\nStructure Design Required if\n\nAttachment Type is\nAttached\n\nChoose an\nallowable answer\nfrom table\n(Structure Design)\n\nThe type of structural design when properties are connected.\n•\nHigh-rise\n• Mid-rise\n•\nLow-rise\n•\nRowhouse / Townhouse\n•\nSemi-Detached\n•\nOther (Describe)\n\n8.003\n\nFloors in\nBuilding\n\nRequired if Structure\nDesign is Mid-rise or\nHigh-rise\n\nNumber\n\nThe total number of floors in a high-rise or mid-rise building.\n\nAppendix F-1: URAR Reference Guide\n\nPage 93 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior: General Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.004\n\nDwelling Style\n\nRequired if\nAttachment Type is\nDetached\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nA-Frame\nBarn\nBi-Level\nBungalow\nCape Cod\nChalet\nColonial\nContemporary\nCottage\nCraftsman\nEarth / Berm\nFarmhouse\nGeodesic Dome\nGeorgian\nLog\n\nThe type of design for detached dwellings, as defined by local markets.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Mediterranean\n• Modern\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNote:\n•\n\nNeo-Eclectic\nRaised Ranch\nRambler\nRanch\nSouthwest\nSpanish\nSplit Foyer or Entry\nSplit Level\nStilt\nTraditional\nTudor\nVictorian\nOther (Describe)\n"} diff --git a/chunks/json/cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538.json b/chunks/json/cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538.json new file mode 100644 index 0000000000000000000000000000000000000000..341d5ca3f8bb929d581b7722cce0f7e6f5e961b5 --- /dev/null +++ b/chunks/json/cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4517,"char_start":3356,"chunk_id":"chk_1fbc86b00ff19e42","chunk_index":2,"chunk_sha256":"cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9766019c7c7ec82f","text_sha256":"cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538","token_estimate":290,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-november-2020.pdf"]},"text":"When two borrowers report Pension or Social\nSecurity income and have a joint Tax Transcript,\nthere is a row in the table for each borrower for\nthe reported income type.\n\nThere will be a single row for the income\ntype validated with both borrowers\ndisplayed in the Borrower field (e.g., John\nHomeowner and Mary Homeowner).\n\nSept. 28: New Reason Codes for Existing Messages\n\nMessage\nID\n\nMessage Name\n\nNew Reason Codes\n\n3301\n\nDVS-REPORT-NOT-EVALUATED\n\nBorrower SSN in loan application does not match SSN in tax transcript\n\n3307\n\nDVS-EMPLOYMENT-NOT-VALIDATED\n\n1. Information effective date is after the report date\n2. Hire date is inconsistent with borrower's date of birth\n3. Hire date is in the future\n\nRelease Support\n\nThe DU validation service modernization changes were implemented in the DU integration environment on Sept. 2. If you have\nquestions about the Integration Impact Memo or if you require support specific to this release, contact Integration Support. For\nmore information about the DU validation service, visit the website or contact your Fannie Mae representative.\n\nFannie Mae Confidential and Proprietary\n\n© 2020 Fannie Mae 9.30.20 Page 2 of 2\n"} diff --git a/chunks/json/cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43.json b/chunks/json/cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43.json new file mode 100644 index 0000000000000000000000000000000000000000..10b8f372e21cbe7350a63ed852429baf95fa8948 --- /dev/null +++ b/chunks/json/cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11546,"char_start":9605,"chunk_id":"chk_8de478d8c2b47f52","chunk_index":5,"chunk_sha256":"cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43","token_estimate":486,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf"]},"text":"Modified Messages\n\nMessage ID\n\nLender Text\n\nParameters\n\n3299\n\n3303\n\n3305\n\n3307\n\n3309\n\n3313\n\n3319\n\nDU received data from the vendor report(s) shown\nbelow.\n\nBorrower | Vendor and Rep Type | Rep ID | Rep Date\n| Exp Date\n\nDU did not receive report data from the vendor(s)\nshown below.\n\nDU validated borrower employment shown below.\nThe specified report(s) is acceptable\ndocumentation to support this employment.\n\nBorrower | Vendor and Rep Type | Rep ID | Reason\n\nBorrower | DU Employer | Vendor and Rep Type |\nRep ID | Employer Name in Rep | Close-By Date\n\nDU could not validate borrower employment\nshown below for the reason provided.\n\nBorrower | DU Employer | Vendor and Rep Type |\nRep ID | Employer Name(s) in Rep | Reason\n\nDU validated borrower income shown below. The\nspecified report(s) is acceptable documentation to\nsupport this income.\n\nBorrower | DU Income Type | Vendor and Rep Type\n| Rep ID | Income Source from Rep | Validated\nAmount | Close-By Date\n\nDU could not validate borrower income shown\nbelow for the reason provided.\n\nDU matched vendor data to income source(s)\nbased on the following components.\n\nBorrower | DU Income Type | Vendor and Rep Type\n| Rep ID | Income Source from Rep | DU Reported\nAmount | Reason\nBorrower | DU Income Type | Vendor and Rep Type\n| Rep ID | DU Employer | Employer Name in Rep |\nCalculated Amount\n\nAsset Data File Access\n\nLenders who have originated casefiles that are later delivered to Fannie Mae and for which an asset verification report was\nsubmitted to DU can utilize a Fannie Mae utility to download and retrieve the asset verification report data. This capability is\noffered to the lender whose casefile ID was used for the DU submission to assist them in support of their obligation to retain\naccess to the asset account data if using an asset report to document income or employment. Access to this capability is available\nin Fannie Mae Connect through the Asset Data File Access report.\n"} diff --git a/chunks/json/cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5.json b/chunks/json/cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5.json new file mode 100644 index 0000000000000000000000000000000000000000..c5566ec94688912511c0c44e8d17dfd6ef8e17e6 --- /dev/null +++ b/chunks/json/cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":501318,"char_start":499667,"chunk_id":"chk_eae6af8c8a94b19d","chunk_index":297,"chunk_sha256":"cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5","token_estimate":413,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Subject Property Information in the Sales Comparison Grid\n\nInformation previously entered for the subject property populates from the applicable section to the sales comparison grid and does not have to be\nre-entered.\n• The “Origin of Subject Property Information” column in this chapter shows the original location of the information.\n• Reference the original section for detailed definitions of the allowable answers.\n\nThere is other information that the appraiser must input directly into the sales comparison grid.\n\nFields that are Not Applicable in the Sales Comparison Grid\n\nIf a specific field in the sales grid is not applicable for the subject or a given comparable, the cell is either grayed out or displays a dash (—).\n\nGrayed Out Cells\n\nInformation that is never applicable for the subject property or comparables is grayed out in the sales comparison grid.\nExamples:\n• Proximity to Subject, Same Builder as Subject, and Sale Date are not applicable for the subject property and are always grayed out.\n• Same Builder as Subject is not adjustable, so the adjustment cell is always grayed out.\n\nAppendix F-1: URAR Reference Guide\n\nPage 214 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nCells Displaying a Dash\n\nInformation that is not applicable for the appraisal displays a dash (—) in the sales comparison grid.\n\nExamples:\n•\n\nIf there is no sales contract, or Sales Contract Analyzed is No, the following cells display a dash for the subject property to show that the\ninformation is not applicable.\n\no Contract Price (if the row is included in the sales comparison grid)\no Sales Concessions\no Contract Date\n"} diff --git a/chunks/json/cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043.json b/chunks/json/cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043.json new file mode 100644 index 0000000000000000000000000000000000000000..c675f242165dbb0ee413bfee933505792dfb3bda --- /dev/null +++ b/chunks/json/cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043.json @@ -0,0 +1 @@ +{"chunk":{"char_end":124727,"char_start":123092,"chunk_id":"chk_bab8268fe71a035f","chunk_index":151,"chunk_sha256":"cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• Please refer to the data point “MIMETypeIdentifier” in the URAR Delivery Specification document for the allowable extensions for\n\nthe images.\n\n• Each image provided in the Images folder must be referenced at least once in the XML file.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nHeader and Footer\n\nPage 66\n\nThe header and footer display on each page of the URAR. They provide navigation and reference notations including report title, page\nnumbers, and, if applicable, Reference IDs used by various parties to the appraisal.\n\nHeader Text displays on all pages of the report except Summary.\n\n• Left side: DocumentType (UID: 1000.0039, FID: HF.001) = “Uniform Residential Appraisal Report”\n\no Always displays\n\n• Right side: “Page X of XX” (where X stands for page number, and XX for total pages in document)\n\no Always displays\n\nFigure HF - 1\n\nSee Appendix E – Report Style Guide for details displaying the header.\n\nFooter Text displays on every page of the report.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 67\n\n• Appraisal Version # - AboutVersionIdentifier (UID: 2100.0010, FID: HF.002)\n\no Always displays\n\n• Fannie Mae | Freddie Mac - DocumentFormIssuingEntityNameType (UID: 2100.0048, FID: HF.003)\n\no Always displays\n\n• September 2024 - DocumentFormIssuingEntityVersionIdentifier (UID: 2100.0049, FID: HF.004)\n\no Always displays\n\n• Appraiser Reference ID - AppraiserFileIdentifier (UID: 2100.0009, FID: HF.005)\n\no Always displays\n\n• Agency Case File ID - AdditionalValuationIdentifier (UID: 2100.0005, FID: HF.006)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0006, FID: HF.006) = \"GovernmentAgency\"\n"} diff --git a/chunks/json/cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80.json b/chunks/json/cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80.json new file mode 100644 index 0000000000000000000000000000000000000000..fbd2f37eedb3e78304f68eb5b9d2cb63ea6eb16a --- /dev/null +++ b/chunks/json/cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32467,"char_start":31842,"chunk_id":"chk_3de46a09a35edca2","chunk_index":51,"chunk_sha256":"cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80","token_estimate":506,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Depreciated Cost – Outbuilding – [Outbuilding Type] (H1) ................................................................................ 71\n\nAs Is Value of Site Improvements (H1) ............................................................................................................... 72\n\nSite Value (H1) .................................................................................................................................................... 72\n\nGeneral Description (H1) .................................................................................................................................... 73\n"} diff --git a/chunks/json/cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76.json b/chunks/json/cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76.json new file mode 100644 index 0000000000000000000000000000000000000000..137e7b83b62f27a304c5f1dcc5bc23e12222a1f0 --- /dev/null +++ b/chunks/json/cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10353,"char_start":9744,"chunk_id":"chk_e0a6e011115f2c08","chunk_index":13,"chunk_sha256":"cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76","token_estimate":490,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TXC-NP – Commentary Text Numbered Paragraph ............................................................................................ 24\n\nTXC-NPI-B – Commentary Text Numbered Paragraph Bold ............................................................................... 24\n\nFN – Footnote Text ............................................................................................................................................. 24\n\nSIG – Signature .................................................................................................................................................... 24\n"} diff --git a/chunks/json/cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f.json b/chunks/json/cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f.json new file mode 100644 index 0000000000000000000000000000000000000000..1f9f8f6ff5223ccd7bd841033d337b4e2ac17ea1 --- /dev/null +++ b/chunks/json/cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23087,"char_start":21407,"chunk_id":"chk_0720ae7b8839bebd","chunk_index":13,"chunk_sha256":"cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 12 of 29\n\nUnit Interior - Building 2 - Unit 2 (continued)\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nKitchen\n\nThis is where the Kitchen Cabinet Defect photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nFunctional Obsolescence Commentary\n\nNo functional or external obsolescence noted.\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nNumber of Parking Spaces\n2\n\n6\n\nDetail\nDetached\n400 Sq. Ft.\n\nGravel\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property Amenities\n\nAmenity Category\nWater Features\n\nSubject Property Amenity\nOutdoor Shower\n\nMaterial\n\nDetail\nTotal Number - 2\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nEach unit has its own outdoor shower.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality - Building 1\nInterior Quality - Unit 1\n\nExterior Quality - Building 2\nInterior Quality - Unit 2\n\nQ5\nQ5\nQ5\n\nQ5\nQ5\n\nOverall Condition\n\nExterior Condition - Building 1\nInterior Condition - Unit 1\n\nExterior Condition - Building 2\nInterior Condition - Unit 2\n\nC4\nC4\nC4\n\nC4\nC4\n\nReconciliation of Overall Quality and Condition\n\nThe appraiser’s inspection was visual and not technical in nature. Quality and condition ratings are based on the appraiser’s observations on\nthe date of inspection. See the defects, damages, and deficiencies table for specifics.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n"} diff --git a/chunks/json/cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe.json b/chunks/json/cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe.json new file mode 100644 index 0000000000000000000000000000000000000000..85b5c9b7182e80a95299b665a1e9e61261d00589 --- /dev/null +++ b/chunks/json/cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18918,"char_start":15878,"chunk_id":"chk_ea64721465affe7f","chunk_index":8,"chunk_sha256":"cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3c05547914d2d653","text_sha256":"cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe","token_estimate":799,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____U_S__FEDERAL_HOUSING_jq52sh.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/301\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/reports\\/house-price-index\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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House prices were up 1.4 percent compared to the third quarter of 2024. FHFA’s seasonally adjusted monthly index for December was up 0.4 percent from November. [https://lnkd.in/e7yFrhZv](https://lnkd.in/e7yFrhZv?trk=organization_guest_main-feed-card-text)\n\n- ![No alternative text description for this image]()\n `` `` [![image]() ![image]() 30](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` `` [2 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)\n"} diff --git a/chunks/json/cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de.json b/chunks/json/cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de.json new file mode 100644 index 0000000000000000000000000000000000000000..d3760e193a1f5fa3f8c648a7d6588020fa527f19 --- /dev/null +++ b/chunks/json/cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de.json @@ -0,0 +1 @@ +{"chunk":{"char_end":196403,"char_start":194793,"chunk_id":"chk_9b59a688e1c2ea66","chunk_index":114,"chunk_sha256":"cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nTransfer Terms\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSame Builder as Subject\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nCommon Amenities/Services\n\n$895,000\n\nPending\n\n$895,000\n\nNo\n\n05/16/2018\n\n26\n\nDetached\n\nFee Simple\n\nMLS 2342532 |\nAssessor Record\n\nMLS 3425353 |\nAssessor Record\n\nMLS 32453404 |\nAssessor Record\n\n0.75 Miles NE\n\n$905,000\n\nSettled Sale\n\n—\n\n$905,000\n\n0.85 Miles NE\n\n$827,000\n\nSettled Sale\n\n—\n\n$835,000\n\nTypically\nMotivated\n\nCash\n\nUnknown\n\nUnknown\n\n03/30/2018\n\n21\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nTypically\nMotivated\n\nCash\n\nUnknown\n\nUnknown\n\n03/30/2018\n\n55\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nTypically\nMotivated\n\nCash\n\nNo\n\n03/16/2018\n\n04/30/2018\n\n16\n\nDetached\n\nFee Simple\n\nYes\n\n$0\n\n$10,000\n\n0.12 Miles E\n\n$899,000\n\nSettled Sale\n\n—\n\n$905,000\n\n$0\n\n$0\n\n$0\n\n$0\n\nGrammy Gold\n\nXYZ Project | No\n\nFox Hollow | No\n\nGrammy Gold | Yes\n\n$500\n\n$525\n\n$235\n\n$500\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nInground Pool | Sports Court\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nSite\n\nSite Owned in Common\n\nSite Size\n\nNo\n\nNo\n\n13,939 Sq. Ft.\n\n13,010 Sq. Ft.\n\nNeighborhood Name\n"} diff --git a/chunks/json/ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22.json b/chunks/json/ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22.json new file mode 100644 index 0000000000000000000000000000000000000000..8483912a1d1456327d0adf65c6e0f02cee813660 --- /dev/null +++ b/chunks/json/ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9758,"char_start":8144,"chunk_id":"chk_0faec84d1dd450fb","chunk_index":5,"chunk_sha256":"ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Standard grade\ncabinetry and\nplumbing fixtures\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 6 of 19\nPage 6 of 19\n\nUnit Interior (continued)\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nThe dwelling has been well-maintained and exhibits only minimal wear and tear.\n\nUnit Interior Exhibits\n\nLevel 1 - Kitchen\n\nLevel 1 - Bath - Full - Primary Bath\n\nThis is where the Kitchen photo would display.\n\nThis is where the Bath 1 photo would display.\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Bedroom - Primary Bedroom\n\nThis is where the Bath 2 photo would display.\n\nThis is where the 1st Bedroom photo would display.\n\nLevel 1 - Bedroom - Second Bedroom\n\nLevel 1 - Bedroom - Third Bedroom\n\nThis is where the 2nd Bedroom photo would display.\n\nThis is where the 3rd Bedroom photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 7 of 19\nPage 7 of 19\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room\n"} diff --git a/chunks/json/ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3.json b/chunks/json/ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3.json new file mode 100644 index 0000000000000000000000000000000000000000..970dfa6424da6e49844dd870372d8904b67b488b --- /dev/null +++ b/chunks/json/ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9559,"char_start":7637,"chunk_id":"chk_cd242d260a86d8d0","chunk_index":4,"chunk_sha256":"ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3","date_utc":"2026-01-27T18:10:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_955175f7aea76563","text_sha256":"ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3","token_estimate":481,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123114.pdf"]},"text":"Co-Borrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n5 -- No Co-Borrower\n\nCo-Borrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nPage 4 of 5\n\nColumn\n80 Corace4\n\n81 Corace5\n\n82 HOEPA\n\n83 LienStatus\n\n84 SpcHsgGoals\n\n85 FedFinStbltyPlan\n\n86 AcqTyp\n\n87 GSEREO\n\nAMA_PUDB_Definitions_123114.xlsx\n\nDefinition\nCo-Borrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nHome Ownership and Equity Protection Act (HOEPA) Status\n1 – Subject to HOEPA\n2- Not subject to HOEPA\nLien Status\n1 – Secured by first lien\n2 – Secured by a subordinate lien\n3 – Not secured by a lien\n4 – Not Applicable (ie purchased loans)\nSpecial Housing Goals Loan\n1 – Yes\n2 – No\nFederal Financial Stability Plan\n1 – Yes\n2 – No\nAcquisition Type\n1 - Cash\n2 - SWAP\n3 - Other\n4 - Credit Enhancement\n5 - Bond or Debt Purchase\n6 - REMIC\n7 - Reinsurance\n8 - Risk Sharing\n9 - REIT\nGSE Real Estate Owned\n1 – Yes\n2 – No\n"} diff --git a/chunks/json/ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc.json b/chunks/json/ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc.json new file mode 100644 index 0000000000000000000000000000000000000000..472a39951d2179ab9a5079dd5b495e22470ce888 --- /dev/null +++ b/chunks/json/ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12914,"char_start":10636,"chunk_id":"chk_9a44db0b1cbaac87","chunk_index":6,"chunk_sha256":"ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc766f901ec2960c","text_sha256":"ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc","token_estimate":570,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Interpretive_Services___FHFA_avef0g.md"]},"text":"Help by phone is available in more than 180 languages when you call (855) 411-2372. Visit [www.consumerfinance.gov/language/](https://www.consumerfinance.gov/language/) for more information.\n\n## Homeownership Preservation Foundation\n\n[Image\n\n![hpf homeowner's HOPE hotline](/sites/default/files/styles/large/public/2023-11/hpf_hopehotline_0.jpg?itok=TJ2QJ8fG)](https://995hope.org/)\n\nThe Homeownership Preservation Foundation provides financial education for anyone thinking about buying their first home, currently own a home, or are thinking about homeownership again. A HUD certified counselor is ready to talk with you. You and your coach will review your overall financial outlook together and develop a comprehensive action plan specifically tailored to your unique circumstances and goals. Call **(888) 995HOPE (4673)**and request assistance in your preferred language.\n\n[https://995hope.org/](https://995hope.org/)\n\nFor help with… Services and cost Contact Availability & languages supported - Foreclosure Prevention\n- Financial management/budget counseling\n- Financial wellness coaching\n- Buying or renting a home\n- Reverse Mortgage Free hotline. Request assistance in your language and the hotline will connect you with a translator **(888) 995-HOPE (4673)** English, Spanish, and able to support over 200 additional languages, offering extended hours weekdays 8-10pm ET and Saturdays 9-6 ET\n\n*​**LEGAL DISCLAIMER***\n*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​*\n"} diff --git a/chunks/json/ce1d0b1ca99e14f2768914ac28a439aad63bc12a3aed3704254068b38849caad.json b/chunks/json/ce1d0b1ca99e14f2768914ac28a439aad63bc12a3aed3704254068b38849caad.json new file mode 100644 index 0000000000000000000000000000000000000000..08e8d516f026f300bdbecae5bab7bd97dd27341e --- /dev/null +++ b/chunks/json/ce1d0b1ca99e14f2768914ac28a439aad63bc12a3aed3704254068b38849caad.json @@ -0,0 +1 @@ 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b/chunks/json/ce1d2a9ca7e767c43bfd8d60d83b75f2948df753988b8de63d03891ca3192076.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1198695,"char_start":1197077,"chunk_id":"chk_753d62030f5b492b","chunk_index":712,"chunk_sha256":"ce1d2a9ca7e767c43bfd8d60d83b75f2948df753988b8de63d03891ca3192076","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ce1d2a9ca7e767c43bfd8d60d83b75f2948df753988b8de63d03891ca3192076","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet Number)\nis greater than zero.\n\nR\n\nCR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 198 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n327\n\n2\n\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nOther Room Count\n\nThe number of finished rooms other than\nrecreation rooms, bedrooms, and\nbathrooms in the below grade space.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEBelowGradeOtherRoomCount\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade Adjustment\n\nSale Price\nAdjustment Amount\n\n(Line 2)\n\nFunctional Utility\n\nSale Price\nAdjustment\nDescription\n\nFunctional Utility Adjustment\n\nSale Price\nAdjustment Amount\n\nHeating/Cooling\n\nSale Price\nAdjustment\nDescription\n\nHeating/Cooling Adjustment\n\nSale Price\nAdjustment Amount\n"} diff --git a/chunks/json/ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f.json b/chunks/json/ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f.json new file mode 100644 index 0000000000000000000000000000000000000000..2a5f235dc029bf6a04115bc794426ab28054c045 --- /dev/null +++ b/chunks/json/ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":248749,"char_start":247064,"chunk_id":"chk_3fb7c72c2f056db7","chunk_index":226,"chunk_sha256":"ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f","token_estimate":421,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 179\n\nUnit Interior: General Information – Area Breakdown and Data Source, Finish of Below Grade Areas\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point/Attribute Name\n\nDisplay Rules\n\nArea Breakdown (Figure 10 - 6)\n\nAlways displays\n\n10.003\n\nFinished Above Grade\n\n0700.0140\n\n10.004\n\nFinished Above Grade\n(Nonstandard)\n\n0700.0141\n\n10.005\n\nUnfinished Above Grade\n\n0700.0142\n\n10.006\n\nFinished Below Grade\n\n0700.0143\n\n10.007\n\nFinished Below Grade\n(Nonstandard)\n\n1800.0398\n\n10.008\n\nUnfinished Below Grade\n\n0700.0144\n\nUnitStandardAboveGradeFinishedAreaMeasure\n\n- Display Area and Unit of Measure in same cell (example: 3,002 Sq. Ft. )\n\n-\n@UnitOfMeasureType\nUnitNonStandardAboveGradeFinishedAreaMeasure - Display Area and Unit of Measure in same cell\n@UnitOfMeasureType\n-\n\nIf zero, do not display the row\n\nDisplay even if zero\n\nUnitAboveGradeUnfinishedAreaMeasure\n\n@UnitOfMeasureType\n\nUnitStandardBelowGradeFinishedAreaMeasure\n\n@UnitOfMeasureType\n\n- Display Area and Unit of Measure in same cell\n\nDisplay even if zero\n\n- Display Area and Unit of Measure in same cell\n\nDisplay even if zero\n\n-\n\n-\n\nUnitNonStandardBelowGradeFinishedAreaMeasure\n\n@UnitOfMeasureType\n\nUnitBelowGradeUnfinishedAreaMeasure\n\n@UnitOfMeasureType\n\n-\n\n-\n\n-\n\n- Display Area and Unit of Measure in same cell\n\nIf zero, do not display the row\n\n- Display Area and Unit of Measure in same cell\n\nDisplay even if zero\n\nAlways displays\n\nAlways displays area data source(s).\nIf there are multiple, display as stacked.\n\nAn arcrole is required for each data source from DATA_SOURCE_n to\nPROPERTY_UNIT_AREA_n\n\nDisplay when (UnitStandardBelowGradeFinishedAreaMeasure > 0 OR\nUnitNonStandardBelowGradeFinishedAreaMeasure > 0)\n"} diff --git a/chunks/json/ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b.json b/chunks/json/ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b.json new file mode 100644 index 0000000000000000000000000000000000000000..c88c27c10fb5051dcd8658e25523d75e29c03bfb --- /dev/null +++ b/chunks/json/ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":111776,"char_start":109679,"chunk_id":"chk_893e58c66f343fed","chunk_index":62,"chunk_sha256":"ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"This documentation is especially important for transactions involving an assignment (or sale) of a contract for sale and back-to-\nback, simultaneous, double transaction closings, or double escrows to support the property acquisition, financing, and closing.\n\nWhen the transaction is part of an employee relocation, the relocation company may be the assignee of the seller, which should\nbe indicated on the sales contract. Additionally, the appraiser must comment on this condition in the appraisal report.\n\nObjective and Unbiased Appraisals\n\nA lender must ensure the appraiser\n\n• described the property and the market area in factual, unbiased, and specific terms;\n•\n• was objective and unbiased in the development of the opinion of market value in the appraisal report.\n\nconsidered all factors that have an effect on value; and\n\nA number of federal, state, and local laws prohibit discrimination in the appraisal of housing. Fannie Mae expects professional\nappraisers to fully understand that discriminatory valuation and appraisal reporting practices are not only illegal, but also\nunethical. Unintentional discrimination can occur in the appraisal report as the result of what an appraiser states, or fails to state.\nThe lender and appraiser must ensure the appraisal is not in violation of any unacceptable appraisal practices (see SB4-1.1-04,\nUnacceptable Appraisal Practices).\n\nReporting Unfavorable Conditions\n\nThe lender must ensure that appraiser comments regarding unfavorable conditions, such as the existence of an adverse\nenvironmental or economic factor, also discuss how the condition affects the value or marketability of the property being\nappraised and explain how the condition was taken into consideration in the valuation process. In such cases, the appraiser’s\nanalysis must reflect and include comparable sales that are similarly affected whenever possible. The appraiser must address the\nimpact these factors may have, if any, on the value and marketability of the subject property. (See SB4-1.3-06, Dwelling Condition\nand Quality of Construction, for further information).\n"} diff --git a/chunks/json/ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259.json b/chunks/json/ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259.json new file mode 100644 index 0000000000000000000000000000000000000000..351b64171f5498f9953cde463dd616c593ee3b69 --- /dev/null +++ b/chunks/json/ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259.json @@ -0,0 +1 @@ +{"chunk":{"char_end":398461,"char_start":396852,"chunk_id":"chk_b76b797cb8ae7023","chunk_index":223,"chunk_sha256":"ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Uniform Closing Dataset\n\n13.0 Calculation (Borrower’s Transaction)\n\nTable 123. Total - Cash to Close From or To the Borrower\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n13.3.1 Cash to Close ($)\n\nROF as “$25,332.30”\n\nA. FOR MORE I NFORMATI ON\n\n13.0 Reg §1026.38(j)(3) pp. 80125, 80357, 80021.\n\n13.1 Reg §1026.38(j)(3)(i) pp. 80126, 80023.\n\n13.2 Reg §1026.38(j)(3)(ii) pp. 80126, 80023.\n\n13.3 Reg §1026.38(j)(3)(iii) pp. 80126, 80358, 80023.\n\nAppendix E: UCD Implementation Guide\n\nPage 183 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n14.0 M. Due to Seller at Closing - REMOVED\n\n14.0 M. DUE TO SELLER AT CLOSING - REMOVED\n\nBecause the GSEs are not collecting data from the SELLER’S TRANSACTION, this section has been removed.\n\nAppendix E: UCD Implementation Guide\n\nPage 184 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n15.0 N. Due from Seller at Closing - REMOVED\n\n15.0 N. DUE FROM SELLER AT CLOSING - REMOVED\n\nBecause the GSEs are not collecting data from the SELLER’S TRANSACTION, this section has been removed.\n\nAppendix E: UCD Implementation Guide\n\nPage 185 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n16.0 Calculation (Seller’s Transaction) - REMOVED\n\n16.0 CALCULATION (SE LLER’S TRANSACTION) - REMOVED\n\nBecause the GSEs are not collecting data from the SELLER’S TRANSACTION, this section has been removed.\n\nAppendix E: UCD Implementation Guide\n\nPage 186 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n17.0 Loan Disclosures\n\n17.0 LOAN DISCLOSURE S\n\nThe Loan Disclosures section is included in the following Closing Disclosure variations:\n"} diff --git a/chunks/json/ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261.json b/chunks/json/ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261.json new file mode 100644 index 0000000000000000000000000000000000000000..b0c3995c7f58dc395723ad4bdc599ed26f153519 --- /dev/null +++ b/chunks/json/ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1624,"char_start":0,"chunk_id":"chk_134e0d0dcb7f27ed","chunk_index":0,"chunk_sha256":"ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261","date_utc":"2026-01-27T18:02:38+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54a7d35b3afe889c","text_sha256":"ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-august-release-notes-august-17-2024.pdf"]},"text":"same\n\nDesktop Underwriter Validation Service\nRelease Notes\n\nJune 18, 2024\n\nDuring the weekend of August 17, 2024, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation\nservice, which will include the changes described below. These changes will apply to loan casefiles submitted or resubmitted to\nDU on or after August 17, 2024.\n\nAsset validation changes\n\nThe changes in this release apply when an asset verification report has been received by DU for a given loan casefile. They include\nthe following:\n\n▪ Asset validation up to the total balance of liquid accounts\n▪ Considering proceeds from the pending sale of real estate (net equity) when validating assets observed in the asset\n\nverification report\nEvaluating assets when reported assets are not sufficient to cover closing costs\n\n▪\n▪ Messaging about assets observed in the asset verification report\n\nAsset validation up to total balance of liquid accounts\n\nCurrently, DU will attempt to validate assets only up to the Total Funds to be Verified amount. With this update, DU will validate\nthe greater of:\n\n•\n•\n\nthe sum of the liquid accounts in the asset verification report less any large deposits (where applicable); or\nthe Total Funds to be Verified amount.\n\nDU will issue a new message providing the Total Funds to be Verified amount and the amount of funds that have been validated.\nWhen liquid assets are not greater than Total Funds to be Verified, DU will continue to evaluate non-liquid accounts.\n\nConsidering proceeds from the pending sale of real estate (net equity) when validating\nassets observed in the asset verification report\n"} diff --git a/chunks/json/ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6.json b/chunks/json/ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6.json new file mode 100644 index 0000000000000000000000000000000000000000..d608d2f0f81d772135a52643d64680f8aae3957f --- /dev/null +++ b/chunks/json/ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7217,"char_start":6646,"chunk_id":"chk_3ac98bbb43c06345","chunk_index":8,"chunk_sha256":"ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"05 Certifications and Scope of Work ___________________________________________________________________________________________ 34\n\nData Mapping and PDF Rendering ...................................................................................................................................................................................... 37\n\nScope of Work ............................................................................................................................................................................................................ 37\n"} diff --git a/chunks/json/ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8.json b/chunks/json/ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8.json new file mode 100644 index 0000000000000000000000000000000000000000..c74c362dcdfe656a3f0e90baf6ef43525a1828a6 --- /dev/null +++ b/chunks/json/ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5529,"char_start":3530,"chunk_id":"chk_416438edfa69d93f","chunk_index":2,"chunk_sha256":"ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0e016e5dd2b05fe3","text_sha256":"ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8","token_estimate":500,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-march-2024.pdf"]},"text":"DU Underwriting Findings – Modified DU Validation Service Messages\n\nDU verification messages returned in the DU Underwriting Findings report can include “list” type messages that specify details on\nthe validation received from third party verification reports that customers can order and reference to DU. The following\nmessages are designated as modified because there are new combinations of vendors and report types that can be used to\nvalidate employment and income for a borrower.\n\nMessage\nStatus\n\nMessage\nIdentifier\n\nMessage Severity\nType Code\n\nMessage Category\nType Code\n\nMessage\nType\n\nLender Text\n\nModified\n\n3299\n\nVERIFICATION\n\nRISK ASSESSMENT\n\nList\n\nModified\n\n3303\n\nVERIFICATION\n\nRISK ASSESSMENT\n\nList\n\nModified\n\n3305\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nList\n\nDU received data from the vendor report(s)\nshown below.\nBorrower | Vendor and Rep Type | Rep ID | Rep\nDate | Exp Date\n\nDU did not receive report data from the\nvendor(s) shown below.\nBorrower | Vendor and Rep Type | Rep ID |\nReason\n\nDU validated borrower employment shown\nbelow. The specified report(s) is acceptable\ndocumentation to support this employment.\nBorrower | DU Employer | Vendor and Rep\nType | Rep ID | Employer Name in Rep | Close-\nBy Date\n\n© 2024 Fannie Mae\n\n2 of 4\n\nMessage\nStatus\n\nMessage\nIdentifier\n\nMessage Severity\nType Code\n\nMessage Category\nType Code\n\nModified\n\n3307\n\nVERIFICATION\n\nModified\n\n3309\n\nVERIFICATION\n\nModified\n\n3313\n\nVERIFICATION\n\nModified\n\n3319\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nEMPLOYMENT &\nINCOME\n\nEMPLOYMENT &\nINCOME\n\nEMPLOYMENT &\nINCOME\n\nMessage\nType\n\nList\n\nList\n\nList\n\nList\n\nLender Text\n\nDU could not validate borrower employment\nshown below for the reason provided.\nBorrower | DU Employer | Vendor and Rep\nType | Rep ID | Employer Name(s) in Rep |\nReason\nDU validated borrower income shown below.\nThe specified report(s) is acceptable\ndocumentation to support this income.\nBorrower | DU Income Type | Vendor and Rep\nType | Rep ID | Income Source from Rep |\nValidated Amount | Close-By Date\n"} diff --git a/chunks/json/ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6.json b/chunks/json/ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6.json new file mode 100644 index 0000000000000000000000000000000000000000..469b0bc8d4db81ead3ae9a6174d9dfb00d1d04fe --- /dev/null +++ b/chunks/json/ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8760,"char_start":7064,"chunk_id":"chk_f999543d282b77b3","chunk_index":4,"chunk_sha256":"ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_706b45ae4b661a92","text_sha256":"ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_s62wbf.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n#### Search & Filter\n\nKeyword\n\nCategory Briefs, Notes & White Papers\n\nNMDB Staff Working Papers\n\nStaff Working Papers Items per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nCategory Briefs, Notes & White Papers\n\nNMDB Staff Working Papers\n\nStaff Working Papers Items per page 10 25 50\n\n# Research\n\n- Staff Working Papers\n\nJanuary 17, 2025\n\n## [Working Paper 25-02: Disclosure Dilemmas: How Appraisal Information Reshapes Residential Property Valuations for Mortgage Lending](/research/papers/wp2502)\n"} diff --git a/chunks/json/ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd.json b/chunks/json/ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd.json new file mode 100644 index 0000000000000000000000000000000000000000..4713cb9e0e715a3a4a11912efd4e340463f36b80 --- /dev/null +++ b/chunks/json/ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":655811,"char_start":654160,"chunk_id":"chk_358e219b0dc47c4d","chunk_index":390,"chunk_sha256":"ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd","token_estimate":413,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 292 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nRental Comparison Grid\n\nReport\nField ID\n\n23.03.25\n\nReport Label\n\nProximity to\nSubject\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable Unit\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nAlways\n\nAlways required\n\nNumber of miles\nor kilometers\n\nProximity to Subject is\nonly applicable to\ncomparables\n\nNo\n\nProximity to Subject\nNote: Can be 0, such as when the comparable is in the same building as\nthe subject property or an adjacent property.\n\nRental Information: Rental Comparison Grid\n\nAppendix F-1: URAR Reference Guide\n\nPage 293 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nReport\nField ID\n\n23.03.25\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable Unit\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nRental Information: Rental Comparison Grid\n\nProximity to\nSubject\n\nAlways\n\nRequired if Proximity\nto Subject is not 0\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDirection from Subject\nto Comparable\nis only applicable to\ncomparables\n\nNo\n\nDirection from Subject to Comparable\n•\nE\n•\nN\n•\nNE\n•\nNW\n•\nS\n•\nSE\n•\nSW\n• W\n\n23.03.02\n23.03.26\n\nNeighborhood\nName\n\nIf relevant\n\nRequired when the\nrow is included in the\nrental comparison grid\n\nFree-form\n\nN/A\n\nAlways required\n\nYes | No\n\nN/A\n\nAlways required\n\nYes | No\n\nNot on\nReport\n\nNot on\nReport\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nrental grid\n"} diff --git a/chunks/json/ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008.json b/chunks/json/ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008.json new file mode 100644 index 0000000000000000000000000000000000000000..ab03322f47aee46f00c409535ab653e1e0bafc1f --- /dev/null +++ b/chunks/json/ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14169,"char_start":12534,"chunk_id":"chk_54bb55718a73404d","chunk_index":11,"chunk_sha256":"ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"6. Appraisal records for the properties in Guam and the U.S. Virgin Islands are excluded because of\n\ninsufficient record counts.\n\n3b. Comparison with UAD Aggregate Statistics Data File\n\nFHFA created and continues to maintain a UAD Aggregate Statistics Data File. The Aggregate Statistics\nData File includes millions of statistics aggregated from UAD appraisal records. Users of both the\nAggregate Statistics Data File and the Appraisal-Level PUF might wonder whether aggregate statistical\nestimates created using the Appraisal-Level PUF will match similar estimates in the Aggregate Statistics\nData File.\n\n5 Typically, there is a gap of 1-3 months from an appraisal to loan origination, another gap of 1-6 months between\nloan origination and loan acquisition by the Enterprises, and a gap of at least 45 days from loan acquisition to data\ndelivery. Due to this reason, the mortgage data for 2023 originations, including the information on whether\nmortgages associated with the appraisal were originated and acquired by the Enterprises, are not yet fully available.\nThere is a similar lag time for the FHA appraisal data.\n\nFederal Housing Finance Agency\n\n3\n\nUAD PUF Version 2.1 Data Documentation\n\nThe answer is “usually not.” The primary reason estimates will differ is the universe of UAD records\neligible for inclusion in each product is different. In fact, the universe of UAD records eligible for\ninclusion in the UAD Appraisal-Level PUF is smaller than the universe of UAD records eligible for\ninclusion in UAD Aggregate Statistics. The following table describes the similarities and differences in\nthe universes of each product.\n"} diff --git a/chunks/json/ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68.json b/chunks/json/ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68.json new file mode 100644 index 0000000000000000000000000000000000000000..000d0438d5227718747968b2fc6b752cfa1d893c --- /dev/null +++ b/chunks/json/ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21620,"char_start":19891,"chunk_id":"chk_17d28a3c8825a75a","chunk_index":20,"chunk_sha256":"ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Unique ID MISMO Data Point Name\n\nDisplay Rules\n\n03.001\n\nEffective Date\n\n2900.0009\n\nAppraisalUpdateReportEffectiveDate\n\nAlways displays\n\n03.002\n\n03.003\n\nHas the Market value of the subject\nproperty decreased since the effective\ndate of the original appraisal?\nAppraisal Update Commentary\n\n2900.0010\n\nPropertyMarketValueDecreasedIndicator\n\nAlways displays\n\n2900.0008\n\nAppraisalUpdateCommentDescription\n\nDisplay when exists\n\nFigure 3 - 1\n\nAppraisal Update Commentary\n\nThe Appraisal Update Commentary subsection displays when comments are provided. Any commentary must use\nAppraisalUpdateCommentDescription (UID: 2900.0008, FID: 03.003)\n\n\n\nAdditional commentary may be added here.\n\n\n\nPage 16\n\nAppraisal Update Exhibits\n\nThe Appraisal Update Exhibits subsection displays when images are provided. All text must display above the image in bold font.\n\nDwelling Front\n\n• When ImageCategoryType (UID: 1400.0835, FID: 03.005.1) = “DwellingFront” display “Dwelling Front” over the image in bold font.\n• An additional image caption may be included using ImageCaptionCommentDescription (UID: 1400.0837, FID: 03.005.2).\n\nDwelling Rear\n\n• When ImageCategoryType (UID: 1400.0835, FID: 03.006.1) = “DwellingRear” display “Dwelling Rear” over the image in bold font.\n• An additional image caption may be included using ImageCaptionCommentDescription (UID: 1400.0837, FID: 03.006.2).\n\nAdditional Exhibits\n\n• Other images included must be delivered using ImageCategoryType (UID: 1400.0835, FID: 03.004.1) = “ValuationUpdateExhibit”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0837, FID: 03.004.2).\n"} diff --git a/chunks/json/ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa.json b/chunks/json/ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa.json new file mode 100644 index 0000000000000000000000000000000000000000..ef68928644df542bae12383925bc36abbb4813f4 --- /dev/null +++ b/chunks/json/ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":673167,"char_start":671527,"chunk_id":"chk_18b3e50d50d4cd11","chunk_index":398,"chunk_sha256":"ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· USPS two-letter state or territory Representation\nThis data is referenced more than once on the form (fields 1-8, 2-12c, 6-20c), and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 2-12d, 6-20d) and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement – Refer to Appendix D Reconciliation Section\n\n514\n\n6\n\n21\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISED VALUE OF\nSUBJECT PROPERTY $\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a valid\nproperty valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount\n\n12\n\nMoney\n\nPDF Display Format:\nNumeric, whole numbers only.\n\n515\n\n516\n\n517\n\n518\n\n6\n\n6\n\n6\n\n6\n\n22\n\n23\n\n24\n\n26\n\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nName\n\nGSE Management\nCompany Name\n\nThe appraisal management company\nassociated with the appraisal report.\n\n/VALUATION_RESPONSE/PARTIES/MANAGEMENT_COMPANY_EXTEN\nSION/MANAGEMENT_COMPANY_EXTENSION_SECTION[@ExtensionSec\ntionOrganizationName='UNIFORM APPRAISAL\nDATASET']/MANAGEMENT_COMPANY_EXTENSION_SECTION_DATA/\nMANAGEMENT_COMPANY/@GSEManagementCompanyName\n"} diff --git a/chunks/json/ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028.json b/chunks/json/ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028.json new file mode 100644 index 0000000000000000000000000000000000000000..c2b842f445c9e70f2f22833265af3bdb9b63836d --- /dev/null +++ b/chunks/json/ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1742,"char_start":0,"chunk_id":"chk_611b73556af71d67","chunk_index":0,"chunk_sha256":"ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a2c65539e863252b","text_sha256":"ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Budget__Finances__and_Performance___FHFA_t7yo7r.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/budget-finances-and-performance\"\ndate_accessed: \"2026-01-27T17:47:56.013Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535.json b/chunks/json/ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535.json new file mode 100644 index 0000000000000000000000000000000000000000..d2cd85207b572031f02f28dffee8f51e0271c779 --- /dev/null +++ b/chunks/json/ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535.json @@ -0,0 +1 @@ +{"chunk":{"char_end":492547,"char_start":490920,"chunk_id":"chk_997fea0b0a92c910","chunk_index":284,"chunk_sha256":"ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1\nOwner\nNo\n0\n1\n0\n\nUnit Interior - Standalone ADU - Cottage\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nADU\n\nLegally Rentable\nData Source\nTypical for Market\nIngress/Egress\nSeparate Postal Address\n\nLevel and Room Detail\n\n464 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nYes\nAssessor Record\nYes\nExterior Access Only\nNo\n\nYes No\n \n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n464 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value of the condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nQuality Comment\nStandard builder grade\ncabinets, materials, and\nappliances\n\nStandard builder grade\ncabinets and materials\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted\n\nTypical Wear and Tear\n\nNo damage or condition\nissues noted\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCeramic Tile\n\nLaminate\n\nWalls and Ceiling\n\n8 Ft. | Flat\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\nStandard Grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard Grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard drywall meets\nmarket expectations for this\ntype of dwelling.\n"} diff --git a/chunks/json/ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa.json b/chunks/json/ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa.json new file mode 100644 index 0000000000000000000000000000000000000000..f1aa5edf89d2b25605ac6cf456c7c4163cffe35b --- /dev/null +++ b/chunks/json/ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1721,"char_start":0,"chunk_id":"chk_8b4bf12f16c23175","chunk_index":0,"chunk_sha256":"ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d08352e661698a4","text_sha256":"ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Data___FHFA_vpjg5h.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/market-data\"\ndate_accessed: \"2026-01-27T17:47:56.326Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d.json b/chunks/json/ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d.json new file mode 100644 index 0000000000000000000000000000000000000000..868c0ee8f3cf0b9b3d8c6e6b2cf3f9b9ec516722 --- /dev/null +++ b/chunks/json/ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12564,"char_start":9960,"chunk_id":"chk_2d0b5427d766c2dd","chunk_index":6,"chunk_sha256":"ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfd7916d514b0861","text_sha256":"ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Assistance_Map___FHFA_h1qq38.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/13771\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46.json b/chunks/json/ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46.json new file mode 100644 index 0000000000000000000000000000000000000000..6aa6fbc85da5d91df1197c897bd2eb20aa55df04 --- /dev/null +++ b/chunks/json/ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46.json @@ -0,0 +1 @@ +{"chunk":{"char_end":180585,"char_start":178610,"chunk_id":"chk_e0f3ff5abdebf086","chunk_index":101,"chunk_sha256":"ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46","token_estimate":494,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The appraiser must consider the influence of market forces, including economic, governmental, and environmental factors on\nproperty values in the market area. Economic forces that must be considered include such things as the existence of essential\nlocal support services. Examples of governmental forces that should be taken into consideration include the regulations, laws,\nand taxes that are imposed on properties. Environmental forces that must be considered include, among other things, the\nexistence of a hazardous waste site on or near the property, the proximity of a property to an airport, or the Federal Emergency\nManagement Agency (FEMA) designated flood zone in which the property is located. Characteristics that are not appraisal factors\nmust not be considered in the valuation process either partially or completely. These characteristics include a person's sex, race,\ncolor, religion, disability, national origin, or familial status. Also, no reference to any protected class of either the prospective\nowners or occupants of the subject property or the present owners or occupants of the properties in the vicinity of the subject\nproperty should be considered or reported.\n\nThe appraiser must determine, analyze, and consider factors in the valuation process based on their identification of all forces or\nfactors that have the potential to influence the property value. The appraiser must report market conditions in factual, specific\nterms and be impartial and specific in describing favorable or unfavorable factors. If an appraiser can demonstrate by market\nevidence that a characteristic effects the value or marketability of the properties in the market area, they must consider it in the\nvaluation process. The appraiser must not make unsupported assumptions or interject personal opinion or perceptions about\nmarket forces or other factors that may or may not affect the use and value of a property (see SB4-1.1-04, Unacceptable Appraisal\nPractices).\n"} diff --git a/chunks/json/ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920.json b/chunks/json/ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920.json new file mode 100644 index 0000000000000000000000000000000000000000..bdfdc857dc5234912b633b4e5993ab29383eb93a --- /dev/null +++ b/chunks/json/ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37113,"char_start":35414,"chunk_id":"chk_e22d48ae5b9756c7","chunk_index":12,"chunk_sha256":"ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"In 2024, the GSEs removed the Phase 3B critical edits enforcing a limited set of fee enumerations allowed with IntegratedDisclosureSectionType = ‘BorrowerDidShopFor’, ‘BorrowerDidNotShopFor’, and ‘Other’.\n\nIn UCD v2.0, any supported ucd:FeeItemType enumeration may be used in those sections. Supported enumerations for IntegratedDisclosureSectionType = ‘OriginationCharges‘ and ‘TaxesAndOtherGovernmentFees’ are limited and have been published in the UCD v2.0 Specification and the UCD v2.0 Critical Edits Matrix. See Tab 9-FeeItemType Enumerations in UCD v2.0 for those subsets.\n\n**26. In UCD v2.0, how do we deliver enumerations that were specified for certain “OtherDescription” data points in UCD v1.5?**\n\nIn UCD v1.5, the following data points ending in “OtherDescription” specified specific enumerations:\n\n- ClosingAdjustmentItemTypeOtherDescription = “PrincipalReduction | SellersReserveAccountAssumption”\n- EscrowItemTypeOtherDescription = “BoroughPropertyTax”\n- FeeTypeOtherDescription = “DebtSuspensionInsurancePremium” (This example is valid for UCD v1.5; for v2.0 use ucd:FeeItemType = “DebtSuspensionInsurancePremium”)\n- ProrationItemTypeOtherDescription = “OtherAssessments”\nUCD v2.0 treats these data points as strings and does not validate the values provided. The values formerly specified as enumerations for these data points may still be provided as string fields (as may any other non-UCD supported enumeration). Should any of these apply to the transaction, provide the text string in the same format shown in UCD v1.5.\n\nUCD XML File Content\n\n**27. When the Alternate Form is used for a refinance transaction, how should any gifts or grants be provided in the UCD XML file?**\n"} diff --git a/chunks/json/ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2.json b/chunks/json/ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2.json new file mode 100644 index 0000000000000000000000000000000000000000..3c555f393f10e5bd4a7b97dc62ebe03ddc6b4777 --- /dev/null +++ b/chunks/json/ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":640997,"char_start":640630,"chunk_id":"chk_8aaaaf42fb5cd25a","chunk_index":369,"chunk_sha256":"ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2","token_estimate":92,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf","below_target_min_tokens"]},"text":"Signature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n11/30/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12346Client Reference ID D-124394AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Per Plans and Specs (CR2)\n"} diff --git a/chunks/json/ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09.json b/chunks/json/ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09.json new file mode 100644 index 0000000000000000000000000000000000000000..0c24f6319900a8877e3a58c31bdc44aab80344aa --- /dev/null +++ b/chunks/json/ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09.json @@ -0,0 +1 @@ +{"chunk":{"char_end":321652,"char_start":319773,"chunk_id":"chk_6446e8e73de0cea1","chunk_index":185,"chunk_sha256":"ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraisal Version #3\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\nAppraiser Reference ID\n\n2222-55HG\n\nClient Reference ID BL2345-1234567\n\nManufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 29 of 30\nPage 29 of 30\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"} diff --git a/chunks/json/ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c.json b/chunks/json/ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c.json new file mode 100644 index 0000000000000000000000000000000000000000..b7e07dfcfe712e0e55a5a58c8a355f114c930aa3 --- /dev/null +++ b/chunks/json/ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":451508,"char_start":449892,"chunk_id":"chk_7b72bb09f99f194f","chunk_index":252,"chunk_sha256":"ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Loans delivered under these guidelines must include SFC 416 as part of the delivery data.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 184 of 166\n\nUAD 3.6 Policy\n\nSB5-7-03, High LTV Refinance Alternative Qualification Path (06/04/2025)\n\nIntroduction\n\nThis topic contains information about using the Alternative Qualification Path for the high LTV refinance option, including:\n\n•\n\nEligibility Requirements\n\n• Documentation Requirements\n\nEligibility Requirements\n\nThe following table provides criteria for using the Alternative Qualification Path.\n\nIf any of the following apply to the new loan…\nthe P&I payment increases by more than 20% from the\ncurrent P&I payment\na borrower on the loan being refinanced is being excluded\nfrom the new loan other than due to death, and the\nremaining borrower(s) cannot provide evidence of making\npayments on their own for the prior 12 months\nthe loan is a higher-priced mortgage loan or a higher-priced\ncovered transaction under Regulation Z\n\nThen the loan…\n\nmust comply with the Alternative Qualification Path\nrequirements.\n\nIn addition to all other requirements associated with the high LTV refinance option loans, loans originated in accordance with the\nAlternative Qualification Path must also meet the requirements described in the following table.\n\n✓\n\nAdditional requirements for high LTV refinance loans originated using Alternative Qualification Paths\n\nMinimum credit score of 620.\n\nMaximum DTI ratio of 45%.\n\nVerified assets needed to close, when applicable.\n\nThe lender is required to manually underwrite all loans subject to the Alternative Qualification Path.\n"} diff --git a/chunks/json/ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf.json b/chunks/json/ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf.json new file mode 100644 index 0000000000000000000000000000000000000000..09ac80a0aca8aae5da9d718b8dcfd2789bb4c03e --- /dev/null +++ b/chunks/json/ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8520,"char_start":7088,"chunk_id":"chk_cf7d345c77f45651","chunk_index":4,"chunk_sha256":"ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19e26ae5e9347dd1","text_sha256":"ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/William_J__Pulte___FHFA_yvavr.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - [William J. Pulte](/about/leadership/william-j-pulte)\n - William J. Pulte\n\n![Proile picture for William J. Pulte](/sites/default/files/2025-09/Director-William-J-Pulte-Portrait_0.jpg)\n"} diff --git a/chunks/json/cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6.json b/chunks/json/cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6.json new file mode 100644 index 0000000000000000000000000000000000000000..33487bba79dca02c2a04462612cb5cd1fe23a904 --- /dev/null +++ b/chunks/json/cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21218,"char_start":20896,"chunk_id":"chk_3b8fb79ebe365da8","chunk_index":13,"chunk_sha256":"cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6","token_estimate":81,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf","below_target_min_tokens"]},"text":"Change #\n\nRevision Description\n\n2023-017 New appendix showing examples of detached garages and how they are reported in the URAR.\n\nReference Guide\nChapter\n\nAppendix 4:\nDetached Garage\nExamples\n\nAppendix F-1: URAR Reference Guide\n\nPage 7 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nTable of Contents\n\nTable of Contents\n"} diff --git a/chunks/json/ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb.json b/chunks/json/ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb.json new file mode 100644 index 0000000000000000000000000000000000000000..4bd384fa4f4ed4b225a678d2b33d7e53118b6641 --- /dev/null +++ b/chunks/json/ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61275,"char_start":60586,"chunk_id":"chk_37c22ba6fcbd4f8f","chunk_index":97,"chunk_sha256":"ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb","token_estimate":601,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overall Quality and Condition (Ratings: 1-6, 1 is highest) ........................................................................................................................................................ 290\n\nProperty Amenities .................................................................................................................................................................................................................. 290\n\nVehicle Storage ......................................................................................................................................................................................................................... 291\n"} diff --git a/chunks/json/cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6.json b/chunks/json/cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6.json new file mode 100644 index 0000000000000000000000000000000000000000..a2f4f733a551990dbb06b97bc3af16727dddd36e --- /dev/null +++ b/chunks/json/cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":450735,"char_start":449100,"chunk_id":"chk_65b412425943d31b","chunk_index":346,"chunk_sha256":"cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 26 - 6\n\nPage 356\n\nWhen all the following indicators are “false”, then “None” displays below the subsection header (gray bar), and the Apparent Defects,\nDamages, Deficiencies table does not display. (Figure 26 - 7):\n• SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099)\n• DwellingExteriorDefectsExistIndicator (UID: 3900.0097, FID: 8.055)\n• UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055)\n• OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019)\n• VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004)\n• SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005)\n\nWhen “None” displays below the subsection header (gray bar), the Apparent Defects, Damages, Deficiencies table does not display. (Figure\n26 - 7)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 26 - 7\n\nPage 357\n\nAs Is Overall Condition Rating\n\nWhen NewConstructionIndicator = \"false\" AND (PropertyValuationConditionalConclusionType = \"SubjectToCompletionPerPlans\" OR\n\"SubjectToRepair\")\n\n• Display As Is Overall Condition Rating – PropertyAsIsConditionRatingCode (UID: 1300.0034, FID: 26.071) and display static text in italics\n“Existing condition of the property as of the effective date of this appraisal, excluding all required repairs, alterations, or inspections” in\nitalics below label As Is Overall Condition Rating.\n\nReconciliation Exhibits\n\nThe Reconciliation Exhibits subsection displays only when images are provided. All text must display above the image in bold font.\n\n• Any images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 26.035.1) = “ReconciliationExhibit”.\n"} diff --git a/chunks/json/cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3.json b/chunks/json/cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3.json new file mode 100644 index 0000000000000000000000000000000000000000..260044cd367fa8862a085ced56a3e3c65ba12eff --- /dev/null +++ b/chunks/json/cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56642,"char_start":55030,"chunk_id":"chk_8e1669726ba2cf47","chunk_index":78,"chunk_sha256":"cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TXC-I1\n\nAppendix E: Report Style Guide\n\nPage 23 of 90\n\nVersion 1.4\n\nTXC-NP – Commentary Text Numbered Paragraph\n\nTEXT\n\n9/11 Myriad Pro Regular x 45 picas (~135 characters max); 5.5 points\nadditional space above (except at top of column); Number sets bold\nfollowed by a period and word space.\n\nTXC-NP\n\nNOTES\n\nSets sentence case.\n\nTXC-NPI-B – Commentary Text Numbered Paragraph Bold\n\nTEXT\n\n9/11 Myriad Pro Regular (~135 characters max) x 45 picas with Bold\nintroductory phrase (~124 characters max); 5.5 points additional space\nabove; Indent 1 pica 6 points.\n\nTXC-NPI-B\n\nFN – Footnote Text\n\nFN\n\nSIG – Signature\n\nSIG\n\nNOTES\n\nIntro phrase “Description of Prior Services” sets bold, initial cap to sentence\ncase description text.\n\nTEXT\n\n8/10 Myriad Pro Regular (~148 characters max) x 45 picas; 5 points\nadditional space above.\n\nNOTES\n\nSets sentence case.\n\nTEXT\n\nDate only: 9/13 Myriad Pro Regular x 22 picas.\n\nINDENT Align left and text indent 4 points.\n\nTABS\n\nTabbed at 11 picas.\n\nRULE\n\n½ point rule in 50% black x 22 picas. Offset 0 picas 2 points.\n\nNOTES\n\nArea before tab is for Appraiser’s or Supervisory Appraiser’s signature.\n\nAppendix E: Report Style Guide\n\nPage 24 of 90\n\nVersion 1.4\n\nSIG-B – Signature below Rule\n\nTEXT\n\n9/13 Myriad Pro Regular x 22 picas, below SIG\n\nINDENT Align left and text indent 4 points.\n\nTABS\n\nTabbed at 11 picas.\n\nSIG-B\n\nY/N – Yes/No (sets above checkbox [CK] elements)\n\nTEXT\n\n8/9 Myriad Pro Bold x 22 picas.\n\nINDENT Align left and indent 19 picas 6 points.\n\nY/N\n\nCK – Checkbox (full page width)\n\nTEXT\n\n9/11 Myriad Pro Bold x 45 picas.\n\nINDENT Align left and text indent 4 points.\n"} diff --git a/chunks/json/cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083.json b/chunks/json/cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083.json new file mode 100644 index 0000000000000000000000000000000000000000..dc254b1875ce997f85620cfe4de5ac631ddc1694 --- /dev/null +++ b/chunks/json/cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083.json @@ -0,0 +1 @@ +{"chunk":{"char_end":466242,"char_start":464597,"chunk_id":"chk_5b732e8a60e88882","chunk_index":276,"chunk_sha256":"cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 197 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nUnit Special Assessments\n\nThe Unit Special Assessments row always displays in the Project Factors table.\nNote: Do not include special tax assessments. These are reported in the Subject Property section (3.008-3.009).\n\nSpecial Assessment Types and Associated Amounts\n\nProject Factors: Unit Special Assessments\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Special\nAssessment\nAmount Type)\n\nDollar amount\n\nDefinition / Additional Guidance\n\nSpecial Assessment Amount Type: The appraiser must analyze and report on\nproposed and existing special assessments for the project or PUD.\n•\n•\n•\n\nNone\nExisting\nProposed\n\nProject Special Assessment Amount: The total remaining amount that the\nassociation has charged or will charge the unit for items above and beyond\nnormally scheduled dues.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.072 Unit Special\nAssessments\n(Detail)\n\n18.072 Unit Special\nAssessments\n(Detail)\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop, or PUD\n\nRequired if Special\nAssessment Amount\nType is Existing or if\nSpecial Assessment\nAmount Type is\nProposed and the\namount is known to\nthe appraiser\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nProject Factors – Special Assessment Amount Type (Choose all that apply)\n\nNone\n\nExisting\n\nProposed\n\nChoose this answer if there are no existing or proposed special assessments for the project.\nNote: Do not choose this answer if there is an existing special assessment, even if it has been fully paid by the unit owner.\n"} diff --git a/chunks/json/cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e.json b/chunks/json/cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e.json new file mode 100644 index 0000000000000000000000000000000000000000..f2c9fc58176d667d92dde62174513e49665bcd27 --- /dev/null +++ b/chunks/json/cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11446,"char_start":9068,"chunk_id":"chk_40684be7115540aa","chunk_index":5,"chunk_sha256":"cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e","token_estimate":595,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"**For more information: see**[**Mortgage Translations page**](/mortgage-translations)**.**\n\n​The Federal Housing Finance Agency's (FHFA) *2018 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions* required the Enterprises to support access to credit for mortgage-ready borrowers with limited English proficiency (LEP), including a multi-year language access plan. The [*Language Access Multi-Year Plan*](/sites/default/files/2023-03/lep-multi-year-plan.pdf) (published May 2018) was developed by Fannie Mae and Freddie Mac in conjunction with FHFA based on research and testing conducted in 2017 (described below) to identify major obstacles for LEP borrowers in accessing mortgage credit and to analyze potential solutions. Key milestones include:\n\n- *Clearinghouse:*Create an [online clearinghouse](/mortgage-translations) to provide a centralized collection of resources to assist lenders, servicers, and housing counselors in serving LEP borrowers.**[The clearinghouse was launched in](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers)[October 2018](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers).\n - *Language Access Working Group:*Establish a language access working group as a forum for representatives from the housing industry and consumer organizations to provide FHFA and the Enterprises their insights, commentary, and experiences related to serving LEP borrowers.\n - *Glossaries:*Develop [translated glossaries](/mortgage-translations/glossaries) that will play a foundational role for improving language access by establishing common terminology that will facilitate standardized translations for all other documents.\n - *Disclosure:*Develop a [translated disclosure](/mortgage-translations/language-translation-disclosure) available for use by lenders and servicers to explain that mortgage transactions are likely to be conducted in English, and that identification of a preferred language by the borrower does not mean that lenders or servicers are able to provide, or agree to provide, communications in the preferred language.\n - *Language Access Line:*Develop and implement a language access line that enables borrowers to obtain assistance from housing counselors and others in their preferred language.\n"} diff --git a/chunks/json/cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912.json b/chunks/json/cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912.json new file mode 100644 index 0000000000000000000000000000000000000000..e7d0a27f482487efd644bbe757b1dadee77b0ff5 --- /dev/null +++ b/chunks/json/cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30471,"char_start":28785,"chunk_id":"chk_e66b893d6d2aae58","chunk_index":20,"chunk_sha256":"cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"xlink:label\n\nValue\n\nNotes\n\nRELATIONSHIPS CONTAINER\n\nFirst instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/\n/RELATIONSHIPS/RELAT\nIONSHIP\n\nSequence\nNumber\n\narcrole=\"urn:fdc:mismo\n.org:2009:residential\n\nfrom\n\nto\n\n1\n\nCO UNSELING_EVEN\nT_IsAssociate dWith_R\nO LE\nCOUNSELING_EVE\nNT_1\n\nHOUSING_COUNSE\nLING_AGENCY_1\n\nwhere\nCounseling Type =\n“Counseling”\nwhere PartyRoleType\n=\n“HousingCounseling\nAgency”\n\nTable 4. Relationships Container – Component Details\n\nThe figure below (Figure 4) shows a basic example of how the xlink arcrole relationship linking a\ncounseling event to the housing counseling agency that provided the counseling would look in the\nRELATIONSHIPS container.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “CONSELING_EVENT_1”\n xlink:to = “HOUSING_COUNSELING_AGENCY_1”\n xlink:arcrole = “COUNSELING_EVENT_IsAssociatedWith_ROLE”\n\nFigure 4. 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When using a MLS as the data source, the MLS\norganization acronym or Representation followed by '#' and then the listing\nidentification (numbers and letters) must be reported.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 57 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n"} diff --git a/chunks/json/cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa.json b/chunks/json/cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa.json new file mode 100644 index 0000000000000000000000000000000000000000..91626f90b4f34411cf16d87a2497ea881cca519a --- /dev/null +++ b/chunks/json/cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14420,"char_start":13949,"chunk_id":"chk_41678d4a2bcc01c0","chunk_index":12,"chunk_sha256":"cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa","token_estimate":436,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Sales Comparable ....................................................................................................................................................................................................................... 33\n\nLand Comparable ....................................................................................................................................................................................................................... 34\n"} diff --git a/chunks/json/cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743.json b/chunks/json/cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743.json new file mode 100644 index 0000000000000000000000000000000000000000..be91b68670a28adeb573067a878ba23bf87f0d85 --- /dev/null +++ b/chunks/json/cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33733,"char_start":32199,"chunk_id":"chk_bff3baad480e5031","chunk_index":20,"chunk_sha256":"cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Comparable #4\n123 Something Pl\nUnit 3\nAnyplace, TX 01234\n\nComparable #5\n341 Nothing Dr\nUnit 1\nAnyplace, TX 01234\n\nData Source:\nMLS XY-347981\n\nLease Start\nDate: 03/2022\n\nData Source:\nMLS XY-324819\n\nLease Start\nDate: 07/2022\n\nData Source:\nMLS XY-324720\n\nLease Start\nDate: 07/2022\n\nData Source:\nMLS XY-234895\n\nLease Start\nDate: 09/2022\n\nData Source:\nMLS XY-213840\n\nLease Start\nDate: 01/2023\n\nActual Rent: $2,700\n\nActual Rent: $2,700\n\nActual Rent: $2,500\n\nActual Rent: $2,500\n\nActual Rent: $2,600\n\nThis is where the\nphoto of 341 Nothing\nDr would display.\n\nComparable #6\n341 Nothing Dr\nUnit 4\nAnyplace, TX 01234\n\nData Source:\nMLS XY-258927\n\nLease Start\nDate: 02/2023\n\nActual Rent: $2,600\n\nComparable Rental Analysis\n\nProximity to Subject\n\nFloor Number\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nSubject\nUnit A\n\n1\n\nC3\n\n2\n\n2 | 0\n\n#1\n3 Miles N\n\n1\n\nC3\n\n2\n\n2 | 0\n\nComparables\n#3\n\n#5\n\nSubject\nUnit B\n\n4.5 Miles S\n\n3.5 Miles E\n\n#1\n3 Miles N\n\nComparables\n#3\n\n#5\n\n4.5 Miles S\n\n3.5 Miles E\n\n1\n\nC4\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1\n\nC4\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\n1,190 Sq. Ft.\n\n1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\nVehicle Storage | Spaces\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\n\nAmenities\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\n$2.10\n\n$2,500\n\n$2,600\n\n$2.25\n"} diff --git a/chunks/json/cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0.json b/chunks/json/cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0.json new file mode 100644 index 0000000000000000000000000000000000000000..ad53d609525a1a3052a206c6c25fcf53a03b73be --- /dev/null +++ b/chunks/json/cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17953,"char_start":16312,"chunk_id":"chk_0ea800f2015a65ce","chunk_index":10,"chunk_sha256":"cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0","token_estimate":410,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 9 of 24\nPage 9 of 24\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room\n\nLevel 1 - Family Room\n\nThis is where the Dining Room photo would display.\n\nThis is where the Family Room 2 photo would display.\n\nLevel 1 - Kitchen\n\nLevel 1 - Mudroom\n\nThis is where the Kitchen photo would display.\n\nThis is where the Mudroom photo would display.\n\nLevel 1 - Office\n\nThis is where the Office photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n4\n\n3\n\nDetail\nAsphalt\n\nAttached\n626 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\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 10 of 24\nPage 10 of 24\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nPatio\n\nWhole Home\n\nPorch\n\nIndoor Fireplace\n\nMaterial\nConcrete\n\nComposite\n\nDetail\n120 Sq. Ft.\n\n92 Sq. Ft.\n\nTotal Number - 2\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nThe subject amenities are typical for a home of this quality and from this market. If necessary, any differences have been addressed in the sales\ncomparison grid.\n\nSubject Property Amenities Exhibits\n\nIndoor Fireplace - Living Room Fireplace\n\nIndoor Fireplace - Bedroom Fireplace\n\nThis is where the Indoor Fireplace 1 photo would display.\n\nThis is where the Indoor Fireplace 2 photo would display.\n\nPatio\n\nPorch\n\nThis is where the Patio photo would display.\n"} diff --git a/chunks/json/cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9.json b/chunks/json/cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9.json new file mode 100644 index 0000000000000000000000000000000000000000..0d63cbfa798350f40af3b4cc3729847d2f8c791a --- /dev/null +++ b/chunks/json/cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":329237,"char_start":327559,"chunk_id":"chk_2553442cc559a618","chunk_index":179,"chunk_sha256":"cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"to Close table.\n\n2. Provide the final line item value from the Closing Disclosure.\n\n3. Compare the values to determine if they are different (for reasons other than rounding).\n\na.\n\nIf not, disclose “NO” for Did this change?\n\nb. If yes, disclose “YES” for Did this change, and provide an explanation with form reference. If\n\napplicable, boilerplate text is included identifying violation of tolerance limits: “Increase exceeds\nlegal limits by $____. See Lender Credits on p. 2.” If a tolerance cure is required, it must be\nnoted on the last line of the TOTAL CLOSING COSTS table as part of the Lender Credits line item\ndescription (9.3.1).\n\nAppendix E: UCD Implementation Guide\n\nPage 150 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.0 Calculating Cash to Close\n\nThe data points supporting this pattern are grouped in CASH TO CLOSE ITEM, which repeats for each line item.\n\n10. 9 CASH TO CLOSE\n\nThe Final amount in the Calculating Cash to Close table should equal the amount disclosed for Cash to Close\nfrom/to Borrower (13.3.1) in the Summaries of Transactions table. A positive number is the amount that the\nborrower(s) must pay at consummation to complete the transaction. A negative number is the amount that the\nborrower(s) will receive from the transaction at consummation. A result of zero means that the borrower(s)\nneither paid nor received any amount from the transaction at consummation. The Cash to Close line item does\nnot require a comparison of the Loan Estimate and Final values.\n\nThe following table shows the data points used in support of the Cash to Close Table.\n\nTable 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only\n"} diff --git a/chunks/json/cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306.json b/chunks/json/cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306.json new file mode 100644 index 0000000000000000000000000000000000000000..8012f1949720ab9e4daca1de3a9602e61bfbfbaf --- /dev/null +++ b/chunks/json/cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13902,"char_start":12168,"chunk_id":"chk_30f85b061b528246","chunk_index":7,"chunk_sha256":"cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"Small rooms typically with flat ceilings,\nminimal trim or finishes of basic design.\nEconomy floor coverings that meet\nminimum standards.\nSmall kitchens featuring economy‐grade\nappliances, cabinetry, and countertops or a\nmix of standard and economy grade.\nBathrooms that are limited in size and\nnumber, and feature economy‐grade\ncabinetry and plumbing fixtures or a\nmixture of economy and standard‐grade\nelements.\n\nSmall rooms often with low ceilings, limited\ncloset or storage space, and little or no trim\nor finishes.\nLow grade or non‐existent floor coverings.\nSmall kitchens featuring only the minimum\nrequirements for function; with limited\ncabinetry and countertop space; and low‐\ngrade or non‐existent appliances.\nBathrooms that are limited in size and\nnumber and feature only the minimum\nrequirements for function; limited or no\ncabinetry; and low‐grade plumbing fixtures.\n\nQ3\n\nQ4\n\nQ5\n\nQ6\n\n\n\n Multiple windows and doorways constructed\nwith upgraded materials and featuring\ndecorative design elements adorning at least\nthe front of the home.\nRoof designs using upgraded roof materials;\nmay have steep pitches, could have more\nthan one ridge with hips and valleys, gables,\nand overhangs.\nExterior walls constructed using upgraded\nmaterials and featuring multiple corners\nwith some angled walls or unique shapes.\n\n\n\n Windows and doorways constructed of\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nstandard‐grade material.\nSimple roof designs using standard‐grade\nroof materials with moderate pitch and\ncould have more than one ridge; may\nfeature some simple decorative elements\nsuch as gables or overhangs.\nExterior walls constructed using standard‐\ngrade materials and featuring multiple\ncorners; but basically rectangular in shape or\nfootprint.\n"} diff --git a/chunks/json/cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33.json b/chunks/json/cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33.json new file mode 100644 index 0000000000000000000000000000000000000000..560b36ffe8b4f37882c84ef8a70705ae5c78125b --- /dev/null +++ b/chunks/json/cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33.json @@ -0,0 +1 @@ +{"chunk":{"char_end":239868,"char_start":237984,"chunk_id":"chk_6d490083051402a8","chunk_index":134,"chunk_sha256":"cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33","token_estimate":471,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Small rooms often with low ceilings,\nlimited closet or storage space, and little or\nno trim or finishes.\n\n• Low grade or non-existent floor coverings.\n\n• Small kitchens featuring only the\nminimum requirements for function; with\nlimited cabinetry and countertop space;\nand low-grade or non-existent appliances.\n\n• Bathrooms that are limited in size and\nnumber and feature only the minimum\nrequirements for function; limited or no\ncabinetry; and low-grade plumbing\nfixtures.\n\n• Limited windows and\ndoorways, constructed of lower-\ngrade materials and featuring\nminimal or no trim and finish.\n\n• Basic roof design, usually low-\npitch and single roofline; may\npossess inconsistent rooflines if\nadditions are present; features\nlow-grade or alternate roof\nmaterials.\n\n• Exterior walls constructed\nusing economy or low-grade\nmaterials and featuring minimal\ncorners; usually a basic\nrectangular shape.\n\nIdentifying Quality of Construction\n\nThe same approach used in identifying the condition of the dwelling(s) is also applicable to identifying the quality of construction.\nThe selected rating must reflect a holistic view of the quality of construction. However, the Q6 rating is an exception because it\nindicates that the dwelling is impacted by one or more deficiencies that negatively affect the soundness or structural integrity of\nthe dwelling. As a result, if any portion of the dwelling is rated a Q6, the whole dwelling must be rated a Q6.\n\nLoans secured by dwellings with a quality of construction rating of Q6 are eligible for sale to Fannie Mae provided any items in\nrelation to the quality of construction that impact the soundness or structural integrity of the property are repaired prior to the\ndelivery of the loan. See Defects, Damage, or Deficiency in this topic for requirements when completing appraisals on dwellings\nwith soundness or structural integrity deficiencies.\n"} diff --git a/chunks/json/cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da.json b/chunks/json/cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da.json new file mode 100644 index 0000000000000000000000000000000000000000..b2a3eb8b61822b151770ab237eb010637a4bc836 --- /dev/null +++ b/chunks/json/cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":74558,"char_start":72951,"chunk_id":"chk_6e7ac642ed86f41a","chunk_index":44,"chunk_sha256":"cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Listed Within\nPrevious Year\nDescription\n\nA free-form text describing the\noffering prices, dates, and data\nsources of the previous twelve (12)\nmonths of listing.\n\n/VALUATION_RESPONSE/PROPERTY/LIST\nING_HISTORY/@ListedWithinPreviousYearDe\nscription\n\n43\n\n44\n\n1\n\n1\n\n41\n\nCONTRACT\n\n42\n\nCONTRACT\n\nI did analyze the contract\nfor sale for the subject\npurchase transaction.\n\nI did not analyze the\ncontract for sale for the\nsubject purchase\ntransaction.\n\nSales Contract\nReviewed Indicator\n\nIndicates that the sales contract has\nbeen reviewed.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT[@_ReviewedIndicator='Y']\n\nSales Contract\nReviewed Indicator\n\nIndicates that the sales contract has\nbeen reviewed.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT[@_ReviewedIndicator='N']\n\n1\n\n1\n\n45\n\n1\n\ne-3\n\nCONTRACT\n\nExplain the results of the\nanalysis of the contract\nfor sale or why the\nanalysis was not\nperformed.\n\nGSE Sale Type\n\nThe type of sale associated with the\nsubject or comparable property\ntransaction.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT/SALES_CONTRACT_EXTE\nNSION/SALES_CONTRACT_EXTENSION_S\nECTION[@ExtensionSectionOrganizationName\n='UNIFORM APPRAISAL\nDATASET']/SALES_CONTRACT_EXTENSIO\nN_SECTION_DATA/SALES_TRANSACTION\n/@GSESaleType\n\n17\n\nEnumerated\n\n1\n\n1\n\n4\n\nBoolean UAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-38, 1-39 (values\nof Listed Within Previous Year Indicator)\nmust be indicated.\n\nCR\n\nCR\n\nCR\n\nBoolean UAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-38, 1-39 (values\nof Listed Within Previous Year Indicator)\nmust be indicated.\n"} diff --git a/chunks/json/cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf.json b/chunks/json/cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf.json new file mode 100644 index 0000000000000000000000000000000000000000..3d2519b587076df096e4489bebabcdc43e62777a --- /dev/null +++ b/chunks/json/cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20316,"char_start":19536,"chunk_id":"chk_e1dd64ea8ccd76f6","chunk_index":20,"chunk_sha256":"cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf","token_estimate":427,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:38)(cid:65)(cid:78)(cid:78)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:69)(cid:0)(cid:92)(cid:0)(cid:38)(cid:82)(cid:69)(cid:68)(cid:68)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:67)(cid:0)\n(cid:51)(cid:69)(cid:80)(cid:84)(cid:69)(cid:77)(cid:66)(cid:69)(cid:82)(cid:0)(cid:18)(cid:16)(cid:18)(cid:20)(cid:0)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n"} diff --git a/chunks/json/cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990.json b/chunks/json/cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990.json new file mode 100644 index 0000000000000000000000000000000000000000..d5ef4d68e8043d4db70a6a46827fc5622fe310aa --- /dev/null +++ b/chunks/json/cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22396,"char_start":21774,"chunk_id":"chk_778d13d60fcd0800","chunk_index":34,"chunk_sha256":"cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990","token_estimate":506,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Unit Interior Commentary (H1) .......................................................................................................................... 49\n\nUnit Interior Exhibits (H1) ................................................................................................................................... 49\n\nFunctional Obsolescence ............................................................................................................................... 49\n\nFunctional Obsolescence Commentary (H1) ...................................................................................................... 49\n"} diff --git a/chunks/json/cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589.json b/chunks/json/cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589.json new file mode 100644 index 0000000000000000000000000000000000000000..5c497b36816453ab6c564fa9eec98efe41185fd8 --- /dev/null +++ b/chunks/json/cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8248,"char_start":6473,"chunk_id":"chk_b5cf80e4be5e58f2","chunk_index":4,"chunk_sha256":"cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589","token_estimate":444,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Feature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nNo\n\nElectricity\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\nPrivate\n\n\n\n\n\nDetail\nSolar\n\nSeptic\n\nWell\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nImpact\n\nComment\n\nPrivate Utility\nImpact\nNeutral\n\nNeutral\n\nNeutral\n\nComment\nSubject has solar power but has also maintained\nconnection to public electrical lines.\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 4 of 23\n\nSite (continued)\n\nSite Valuation Methodology\n\nOpinion of Site Value\n\n$284,000\n\nPrimary Site Valuation Method\n\nSales Comparison\n\n#\n1\n\n2\n\n3\n\nAddress\n35350 City Ct\nOut There,\nVA 56789\n\nJones Rd\nOut There,\nVA 56789\n\nFairy Farm Ln\nOut There,\nVA 56789\n\nCounty\nFabricated\n\nData Source\nMLS 379514\n\nAssessor Parcel\nNumber (APN)\nF-234-1\n\nSite Size\n12.5 Acres\n\nSale Date\n07/01/2019\n\nPrice\n$275,000\n\nFabricated\n\nMLS 353852\n\nF-124-0\n\n15.4 Acres\n\n05/01/2019\n\n$295,000\n\nFabricated\n\nMLS 389466\n\nF-593-9\n\n10.5 Acres\n\n01/15/2019\n\n$195,250\n\nReconciliation of Site Value Recent sales for vacant and unimproved lots within the subject’s market area were analyzed to determine\nthe opinion of site value for the subject. Six sales were identified in the subject’s zip code that ranged in lot size from 7.3 acres to 21.2 acres\nwith sale prices ranging from $175,000 to $315,000. The comparable sales selected all have RA-10 zoning (same as subject), were the most\nproximate sales that were similar in site size to the subject and sold for $19,000 to $22,000 per acre (rounded). The opinion of value for the\nsubject’s site was reconciled at $20,000 (rounded) per acre.\n"} diff --git a/chunks/json/cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3.json b/chunks/json/cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3.json new file mode 100644 index 0000000000000000000000000000000000000000..686e9b195671dbdb47ba6bcfdd477b96e09f034e --- /dev/null +++ b/chunks/json/cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28023,"char_start":25716,"chunk_id":"chk_462d249b6627b134","chunk_index":15,"chunk_sha256":"cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3","token_estimate":577,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not\nconditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a\npredetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of\nany party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending\nmortgage loan application).\n\n19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I\nrelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal\nor the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this\nappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make\na change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no\nresponsibility for it.\n\n20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that\nordered and will receive this appraisal report.\n\nFreddie Mac Form 465 March 2005 226\n\nPage 5 of 6\n\nFannie Mae Form 1073 March 2005\n\n2\n\nIndividual Condominium Unit Appraisal Report\n\nFile # 3\n\n4 4a\n\n21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the\nborrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other\nsecondary market participants; data collection or reporting services; professional appraisal organizations; any department,\nagency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to\nobtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal\nreport may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public\nrelations, news, sales, or other media).\n"} diff --git a/chunks/json/cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b.json b/chunks/json/cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b.json new file mode 100644 index 0000000000000000000000000000000000000000..fb6a42f90b5cd188b18fdc03da24514cb33d77a9 --- /dev/null +++ b/chunks/json/cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":181636,"char_start":179964,"chunk_id":"chk_87a01fa6661169cd","chunk_index":105,"chunk_sha256":"cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Noncontinuous Finished Area\n\nQuality Comment\nThe exterior of the homes\nis a mix of Hardie plank and\nstone.\n\nSubject has a walkout lower\nlevel, concrete covered with\nHardie plank.\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nRoof is covered with a 50 year\ncomposition roof.\n\nNew or Like New\n\nWindows are metal clad with\npaintable wood interior.\n\nNew or Like New\n\nCondition Comment\n\nThe table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit\n\nFinish\nFinished\n\nTotal Area\n360 Sq. Ft.\n\nRoom Summary\n1 - Family Room\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nSump Pump\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nThe subject is a new construction home with no damages, defects or deficiencies and is built using green materials.\n\nDwelling Exterior Exhibits\n\nNoncontinuous Area - Bonus Room\n\nDwelling Rear\n\nThis is where the Noncontinuous Area photo would display.\n\nThis is where the Dwelling Rear photo would display.\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 7 of 24\nPage 7 of 24\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n1,552 Sq. Ft.\n0 Sq. Ft.\n1,232 Sq. Ft.\n320 Sq. Ft.\nAssessor Record\nBuilder or Developer\nMLS\nReal Estate Agent\nThree-Dimensional Scan\n"} diff --git a/chunks/json/cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67.json b/chunks/json/cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67.json new file mode 100644 index 0000000000000000000000000000000000000000..f5ee2a6172d3d80560c02a166b8043652b06551b --- /dev/null +++ b/chunks/json/cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1760,"char_start":0,"chunk_id":"chk_0d6d364348c83f1d","chunk_index":0,"chunk_sha256":"cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_af426239ede525c7","text_sha256":"cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Resources_Management_Strategic_Plan____3nju4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/information-resources-management-strategic-plan\"\ndate_accessed: \"2026-01-27T17:48:01.738Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84.json b/chunks/json/cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84.json new file mode 100644 index 0000000000000000000000000000000000000000..ba924a62cbc0dfea700069a6ce7a74e129ac9ea7 --- /dev/null +++ b/chunks/json/cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64738,"char_start":63778,"chunk_id":"chk_991cabd48a2ddca2","chunk_index":37,"chunk_sha256":"cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84","token_estimate":240,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. I\nperformed an appraisal on April 13, 2018.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 29 of 29\nPage 29 of 29\n\nCertifications (continued)\n\nSignature\n\nAppraiser\nTom Appraiser\nTom Appraiser\n\nSupervisory Appraiser\nArthur Appraiser\nArthur Appraiser\n\n10/12/2019\n\nDate of Signature and Report\n\n10/12/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLevel\nID\nState\nExpires\n\nTrainee Appraiser\n1111TRHI\nHI\n12/31/2021\n\nCertified General\n987654HI\nHI\n12/31/2021\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54.json b/chunks/json/cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54.json new file mode 100644 index 0000000000000000000000000000000000000000..58d2204f121a9a7cc0e0ef9b1d3bf7dcb5bb2563 --- /dev/null +++ b/chunks/json/cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1261554,"char_start":1259783,"chunk_id":"chk_85ccebc2eb7d8f4d","chunk_index":748,"chunk_sha256":"cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54","token_estimate":443,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Common\nElements Lease\nTerms Description\n\nA free-form text field used to describe the\nproject management leasing status of\nproject common elements.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElements\nLeaseTermsDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nPROJECT\nINFORMATION\n\nPUD\nDescribe common elements and\nrecreational facilities\n\nProject Common\nElements\nDescription\n\nA free-form text field used to describe\nproject common elements and recreation\nfacilities.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElements\nDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n50\n\n50\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor.\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n"} diff --git a/chunks/json/cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4.json b/chunks/json/cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4.json new file mode 100644 index 0000000000000000000000000000000000000000..f063e1f95b68fe538688cfac5fc21065bea4d164 --- /dev/null +++ b/chunks/json/cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15651,"char_start":13997,"chunk_id":"chk_cff122023059ad25","chunk_index":5,"chunk_sha256":"cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"- [Home](/)\n - [Technology](/tools-learning)\n\n# Uniform Appraisal Dataset\n\n- [Business Resources](#business-resources)\n - [Technical Resources](#technical-resources)\n - [Announcements](#announcements)\n ## **Now Available: Industry Training for the New UAD and URAR**\n\nNew UAD training to educate all stakeholders about using the dynamic appraisal reports and updated data set is now available. This training is available for anyone to take, including appraisers, but is of particular value to lenders and software providers and will provide the requisite knowledge and skills to use, implement and transition to the new URAR. Additionally, appraiser-specific training that’s eligible for continuing education training will be available soon.\n\n[Access the Training for the new uad and urar](https://learn.sf.freddiemac.com/ces/enrol/index.php?id=795)\n\n### UAD 3.6 and Forms Redesign Broad Production Period Begins\n\nThe UAD 3.6 and Forms Redesign Broad Production period is now open as of January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP® ). [Read the full announcement](/docs/pdf/announcement_uad_january-2026.pdf).\n\n### UAD Inspection and Reporting Tips\n\nThe UAD 3.6 and Forms Redesign team has created a new [UAD Inspection and Reporting Tips](/docs/pdf/uad-inspection-and-reporting-tips.pdf) resource that highlights notable differences between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). Appraisers can use it when completing assignments using UAD 3.6. [Read the full announcement](/docs/pdf/joint-gse-announcement-inspection-and-reporting-tips.pdf).\n"} diff --git a/chunks/json/d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d.json b/chunks/json/d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d.json new file mode 100644 index 0000000000000000000000000000000000000000..dbf740f88513b0a9eb4e982d4b8bb06099a94f71 --- /dev/null +++ b/chunks/json/d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3247,"char_start":1647,"chunk_id":"chk_1bfce5c54495d5c3","chunk_index":1,"chunk_sha256":"d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"The subject property is under contract and pending sale for $765,000.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\nLender (Client)\n\n•\n• AMC\n• Appraiser\n\n• Defects, Damages, Deficiencies: None\n• Subject Property\n\n• Property Rights Appraised: Leasehold\n• Attachment Type: Detached\n\n• Site Utilities\n\n• Water and Sanitary Sewer are public\n• Electric is private (solar panels) with connection to public electrical lines maintained\n\n• Energy Efficient and Green Features\n\n▪ Renewable Energy Component: Leased Solar Panels\n▪ Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score)\n\n• Accessory Dwelling Unit on below grade level\n• Prior Sale and Transfer History: Comp 2 was a deed transfer\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\n456 SOMETHING RD, SOMEWHERE, VA 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$775,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n09/08/2019\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\n$765,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAgatha Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n"} diff --git a/chunks/json/d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103.json b/chunks/json/d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103.json new file mode 100644 index 0000000000000000000000000000000000000000..4a406c862e9185d4d27c1822751e2e9fbaf4063a --- /dev/null +++ b/chunks/json/d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10676,"char_start":9067,"chunk_id":"chk_07edbe9618634f1b","chunk_index":7,"chunk_sha256":"d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Page 4 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\naddition to the GSEs’ appraisal-related policies and guidelines, which are subject to change and are\nidentified in Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller/Servicer Guide.\n\nIt is important to Fannie Mae and Freddie Mac that appraisals are conducted and communicated\naccurately and effectively. The UAD was developed with that in mind and none of the UAD requirements\ninhibit or limit appraisers’ responsibility to comply with the Uniform Standards of Professional Appraisal\nPractice (USPAP). As with all appraisal report forms, there is no limitation on appraisers’ ability to\npresent additional information in the appraisal report or an addendum to the appraisal report form.\nAppraisal reports must include any and all information necessary to accurately and completely describe\nthe subject property. Conforming to the UAD does not replace appraisers’ development and reporting\nresponsibilities as required by the Uniform Standards of Professional Appraisal Practice (USPAP).\n\nThe UAD will apply to the following most commonly used residential appraisal report forms (Fannie Mae\n/ Freddie Mac form numbers), which represent the vast majority of appraisals supporting loans delivered to\nthe GSEs:\n\nAppraisal Form Name\n\nUniform Residential Appraisal Report\n"} diff --git a/chunks/json/d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391.json b/chunks/json/d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391.json new file mode 100644 index 0000000000000000000000000000000000000000..f54a132aa4dcef3b867f9096d0e9035b8f3c2ca4 --- /dev/null +++ b/chunks/json/d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9028,"char_start":7102,"chunk_id":"chk_8a2b2e4c4af926f2","chunk_index":4,"chunk_sha256":"d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6cc087c08f0855a5","text_sha256":"d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391","token_estimate":479,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_60i2ek.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Programs](/programs)\n - Neighborhood Stabilization Initiative (NSI)\n\nProgram\n\n# Neighborhood Stabilization Initiative (NSI)\n\n## Background\n\nThe Neighborhood Stabilization Initiative (NSI) was designed to stabilize neighborhoods hardest hit by the housing downturn. It was jointly developed by the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac and includes strategies for disposing of the inventory of real estate owned (REO) properties held by Fannie Mae and Freddie Mac. Some particular markets have large concentrations of distressed and low-value REO properties as well as large volumes of loans that had been delinquent for more than one to two years that are likely to become REO.\n"} diff --git a/chunks/json/d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361.json b/chunks/json/d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361.json new file mode 100644 index 0000000000000000000000000000000000000000..149d2a851be60443112808aa11734724c96df513 --- /dev/null +++ b/chunks/json/d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1722,"char_start":0,"chunk_id":"chk_6a7d373d0bbb17b3","chunk_index":0,"chunk_sha256":"d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d219a2955dbc105a","text_sha256":"d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fair_Lending_Data___FHFA_12qo7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/fair-lending\"\ndate_accessed: \"2026-01-27T17:48:03.539Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a.json b/chunks/json/d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a.json new file mode 100644 index 0000000000000000000000000000000000000000..814c7a262d2fe3a3223384bd2ac5f0e6dd110549 --- /dev/null +++ b/chunks/json/d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1671,"char_start":0,"chunk_id":"chk_80d124a40f8cceca","chunk_index":0,"chunk_sha256":"d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"Uniform Closing Dataset (UCD) Specification v2.0\n\nNumbered Closing Disclosures\n\nDocument Version 2.0\nJune 30, 2025\n\nIn support of the Integrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act\n(Regulation X) And the Truth In Lending Act (Regulation Z)\n\nIssued by the Consumer Financial Protection Bureau (CFPB)\n\nPublished in the Federal Register on December 31, 2013\nand all subsequent amendments through 86 FR 80228 (August 8, 2021)\n\nJune 2025\n\n©2025 ▪ Fannie Mae/Freddie Mac Commercial Confidential Information ▪ FOIA Exemption Requested\n\n1\n\nUniform Closing Dataset v2.0\n\nNumbered Closing Disclosures\n\nDate\n\nVersion No.\n\nDescriptions\n\nRevision Log\n\nJune 30, 2025\n\n2.0\n\n• Removed End Notes.\n• Simplified formatting, including removing gray line numbers.\n• Added annotations to some CD fields to clarify data mapping.\n• Removed boilerplate for descriptions of differences in Section 4.0 for\n\nline items for which only a “NO” answer is expected, as data\nsupporting it is not expected in the UCD file.\n\n• Added the following Form Field IDs omitted in error: 11.5.2, 11.5.3,\n\n11.5.4, 12.6.2, 12.6.3, 12.7.2, 12.7.3, 12.7.4, 20.1.2, 20.3.1\n• Removed 12.6.1 and 12.7.1 because they do not collect data.\n• Align with UCD v2.0 Specification Update Initiative’s focus on UCD\ndata and removed Form Field IDs no longer in UCD v2.0 (Sections\n14.0, 15.0, 16.0, 19.0 and 24.0)\n\nMay 1, 2023\n\n1.7\n\n• Removed references in sections 5.6.3 – 5.6.5 and Section 18.2.1 and\n\n18.3.1.\n\n• Edited Section D to accommodate seller data requirements.\n• Added Cross Reference for 25.1/11.4 (Liabilities)\n• Deleted any rows in Cross-Reference table that referenced section\n"} diff --git a/chunks/json/d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7.json b/chunks/json/d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7.json new file mode 100644 index 0000000000000000000000000000000000000000..9fa4a37bb2eb0f9464e7a746b59414f1d6488898 --- /dev/null +++ b/chunks/json/d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":117851,"char_start":116172,"chunk_id":"chk_701fae9252bced33","chunk_index":68,"chunk_sha256":"d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Exhibit 3: Requirements – Abbreviations Used in Data Standardization Text\n\nAbbreviation\n\nA\nac\nAdjPrk\nAdjPwr\nArmLth\nAT\nB\nba\nbr\nBsyRd\nc\nCash\nComm\nConv\n\nFull\nName\n\nAdverse\nAcres\nAdjacent to Park\nAdjacent to Power Lines\nArms Length Sale\nAttached Structure\nBeneficial\nBathroom(s)\nBedroom\nBusy Road\nContracted Date\nCash\nCommercial Influence\nConventional\n\nAppropriate Fields\n\nLocation & View\nArea, Site\nLocation\nLocation\nSale or Financing Concessions\nDesign (Style)\nLocation & View\nBasement & Finished Rooms Below Grade\nBasement & Finished Rooms Below Grade\nLocation\nDate of Sale/Time\nSale or Financing Concessions\nLocation\nSale or Financing Concessions\n\nPage 67 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\ncp\nCrtOrd\nCtySky\nCtyStr\ncv\nDOM\nDT\ndw\ne\nEstate\nFHA\ng\nga\ngbi\ngd\nGlfCse\nGlfvw\nGR\nHR\nin\nInd\nListing\nLndfl\nLtdSght\nMR\nMtn\nN\nNonArm\no\nO\nop\nPrk\n\nCarport\nCourt Ordered Sale\nCity View Skyline View\nCity Street View\nCovered\nDays On Market\nDetached Structure\nDriveway\nExpiration Date\nEstate Sale\nFederal Housing Administration\nGarage\nAttached Garage\nBuilt-in Garage\nDetached Garage\nGolf Course\nGolf Course View\nGarden\nHigh Rise\nInterior Only Stairs\nIndustrial\nListing\nLandfill\nLimited Sight\nMid Rise\nMountain View\nNeutral\nNon-Arm’s Length Sale\nOther\nOther\nOpen\nPark View\n\nAbbreviation\n\nPstrl\nPubTrn\nPwrLn\nRelo\nREO\nRes\n\nFull Name\nPastoral View\nPublic Transportation\nPower Lines\nRelocation Sale\nREO Sale\nResidential\n"} diff --git a/chunks/json/d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732.json b/chunks/json/d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732.json new file mode 100644 index 0000000000000000000000000000000000000000..ab911d15f25db29279f1f60f354f4d0257a29bb9 --- /dev/null +++ b/chunks/json/d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5142,"char_start":3435,"chunk_id":"chk_1e87e91f33a30723","chunk_index":2,"chunk_sha256":"d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"For questions or support, please contact acquisitions_loan_delivery@fanniemae.com.\n\nQ1 2025\n**UPDATED**\n\nMBS Enhancements\n\n**Date updated from October 21, 2024 to Q1 2025**\n\n© 2023 Fannie Mae Page 2 of 10\n\nEffective\nDate\n\nImpacted Area\n\nDescription\n\nLoan Delivery will introduce enhancements that provide additional transparency in the MBS loan delivery process and a self-\nservice model to handle exceptions real-time as they occur. These updates relate to the exceptions which occur post-\nsubmission and may have previously required manual resolution with Fannie Mae’s Acquisitions Operations team.\n\nLenders will be able to cancel the request for certification on MBS loans after submission to bring the loan back to a\nDraft/Unsubmitted status for editing. No changes are required to current processes; we are giving lenders an additional\noption to correct data on a submitted MBS loan. Lenders may continue to delete the loan or the pool when data corrections\nare required.\n\nThere are no changes to the import and loan/pool submission process in Loan Delivery. More details, including a job aid, will\nbe provided as we approach the rollout date.\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted Area Description\n\nJan 19, 2024\n\nEnergy Star Loans\n\nJan 29, 2024\n\nExport file\nEnhancement\n\nEffective January 19, 2024, Loan Delivery will automatically populate Special Feature Code (SFC) 784 ENERGY STAR Green\nBuilding Certification for Green Bonds on Whole Loans that Fannie Mae identifies as securing a property with an eligible\nENERGY STAR green building certification. If SFC 784 is auto-populated on the loan, warning edit 2736 will fire notifying\nsellers of the change. No action is required by sellers.\n"} diff --git a/chunks/json/d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb.json b/chunks/json/d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb.json new file mode 100644 index 0000000000000000000000000000000000000000..503282742e5370712a9525d6351ea9f9508757cd --- /dev/null +++ b/chunks/json/d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":123696,"char_start":121989,"chunk_id":"chk_9a0864ca42faca8e","chunk_index":69,"chunk_sha256":"d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Payee\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 54 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-20. PARTY Container for PartyRoleType = Servicer\n\nPartyRoleIdentifier\n\n\n\nPartyRoleType\n\nServicer\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\nb. Possible Instances of PARTY in a Loan Delivery Data Set—DEAL_SET Level\n\nThe following examples illustrate how to send information about the parties to the\npool transaction.\n\nExample IV-21. PARTY Container for PartyRoleType = DocumentCustodian\n\nPartyRoleIdentifier\n\n\n\nPartyRoleType\n\nDocumentCustodian\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\nExample IV-22. PARTY Container for PartyRoleType = LoanSeller\n\nPartyRoleIdentifier\n\n\n\nPartyRoleType\n\nLoanSeller\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\nExample IV-23. PARTY Container for PartyRoleType = Servicer\n\nPartyRoleIdentifier\n\n\n\nPartyRoleType\n\nServicer\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\nc. Possible Instances of PARTY in a Loan Delivery Data Set—DEAL_SETS Level\nThe following example illustrates how to send information identifying the system\npreparing the XML schema file delivered to the GSE. This is only used for file\nsubmissions.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n"} diff --git a/chunks/json/d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b.json b/chunks/json/d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b.json new file mode 100644 index 0000000000000000000000000000000000000000..3d599eae861a1df592dd11e81a9ee6c17bee0c67 --- /dev/null +++ b/chunks/json/d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":268787,"char_start":267149,"chunk_id":"chk_cb02ec5d9fad1739","chunk_index":238,"chunk_sha256":"d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b","token_estimate":410,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Supported Attribute Enumerations\n\n0700.0131 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROPERTY_UNIT_AREA\n\n0700.0132 RELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n0700.0133 RELATIONSHIP\n\n@xlink:to\n\nPROPERTY_UNIT_AREA_n\n\n0700.0150\n\nPROPERTY_UNIT_AREA @xlink:label\n\nPROPERTY_UNIT_AREA_n\n\n0700.0124 DATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\nData source to ADU legally rentable indicator\n\nProvide the relationship that joins the AccessoryDwellingUnitLegallyRentableIndicator data point (where the ValuationUseType =\n\"SubjectProperty\") to the data source used to determine the ADU is legally rentable.\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n0700.0134 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_AccessoryDwellingUnit\nLegallyRentableIndicator\n\n0700.0135 RELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n0700.0136 RELATIONSHIP\n\n@xlink:to\n\nAccessoryDwellingUnitLegallyRentableIndicator_n\n\n0700.0098\n\nPROPERTY_UNIT_DETAIL @xlink:label\n\nAccessoryDwellingUnitLegallyRentableIndicator_n\n\n0700.0124 DATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\nDefect to Property Unit arcrole\n\nProvide the relationship that joins the DEFECT to the applicable instance of PROPERTY_UNIT.\nOne RELATIONSHIP container is required for each defect identified in the interior of the unit.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 199\n\nUnique ID\n\nParent Container MISMO Attribute Name\n\nSupported Attribute Enumerations\n\n3900.0154\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf PROPERTY_UNIT\n"} diff --git a/chunks/json/d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6.json b/chunks/json/d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6.json new file mode 100644 index 0000000000000000000000000000000000000000..3321fcdeaa12a2f517bb359cf0e9afa5a1c2d325 --- /dev/null +++ b/chunks/json/d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12175,"char_start":10494,"chunk_id":"chk_340a44181a12ef81","chunk_index":6,"chunk_sha256":"d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_706b45ae4b661a92","text_sha256":"d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_s62wbf.md"]},"text":"December 19, 2024\n\n## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals - December 2024](/research/papers/2025-2027-enterprise-single-family-housing-goals-12-2024)\n\nIn establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical...\n - Staff Working Papers\n\nNovember 13, 2024\n\n## [Working Paper 24-08: Banking on Buffers: Balance Sheet Responses to Household Demand, Macroeconomic Conditions, and Monetary Policy](/research/papers/wp2408)\n\nThis paper examines how banks adapt to tightening regulations, evolving macroeconomic conditions, and changes in household demand. Unlike most analyses of banking regulation, we develop a general equilibrium model in which banks both borrow from and lend to households, allowing us to assess the...\n - Staff Working Papers\n\nNovember 4, 2024\n\n## [Working Paper 24-06: Home Purchase Appraisals in Minority Neighborhoods](/research/papers/wp2406)\n\nWe study how the share of African American residents in a neighborhood impacts appraisers’ valuation decisions for home purchases. Controlling for many appraisal inputs, including the appraiser themselves, we find that appraisals below the contract price are at least 23 percent more likely in...\n - Briefs, Notes & White Papers\n\nAugust 22, 2024\n\n## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/research/papers/2025-2027-enterprise-single-family-housing-goals)\n"} diff --git a/chunks/json/d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89.json b/chunks/json/d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89.json new file mode 100644 index 0000000000000000000000000000000000000000..2063896cbe927f82200bb4a6ba86523cdfa404f7 --- /dev/null +++ b/chunks/json/d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89.json @@ -0,0 +1 @@ +{"chunk":{"char_end":351866,"char_start":350176,"chunk_id":"chk_3ff43a8aafe4f010","chunk_index":205,"chunk_sha256":"d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be\nincluded in this field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b),\nand must be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 77 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n492\n\n6\n\n20c\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property\nAppraised\nCity,State,Zip\n\nProperty Postal Code\n\nThe postal code (zip code in the US)\nof the subject property. Zip code may\nbe either 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_P\nostalCode\n\n10\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be\nincluded in this field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c)\nand must be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement – Refer to Appendix D Reconciliation Section\n"} diff --git a/chunks/json/d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3.json b/chunks/json/d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3.json new file mode 100644 index 0000000000000000000000000000000000000000..23bb1cd4a0c92fc514c228ea860dc7f70fe966e6 --- /dev/null +++ b/chunks/json/d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":659887,"char_start":658290,"chunk_id":"chk_f7b407480bcdd6b1","chunk_index":390,"chunk_sha256":"d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n50\n\nString\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n50\n\nString\n\n50\n\n50\n\n50\n\nString\n\nString\n\nString\n\n50\n\n50\n\n50\n\nString\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n"} diff --git a/chunks/json/d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719.json b/chunks/json/d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719.json new file mode 100644 index 0000000000000000000000000000000000000000..82b7a09aab412cc6b85d82242495829c3a17fe13 --- /dev/null +++ b/chunks/json/d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719.json @@ -0,0 +1 @@ +{"chunk":{"char_end":284620,"char_start":282979,"chunk_id":"chk_9224a69d4aead48a","chunk_index":158,"chunk_sha256":"d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The lender must also ensure the appraiser has access to appropriate data sources to render an opinion of value for the\nmanufactured home. Lenders must establish policies and procedures to ensure that qualified individuals are being selected in\naccordance with Fannie Mae requirements as well as the Appraiser Independence Requirements.\n\nManufactured Housing Appraisal Requirements and Standards\n\nThe list below provides requirements and standards for manufactured housing appraisals.\n\n•\n\nFor purchase money mortgages, the lender must provide the appraiser with\n\no a complete copy of the executed contract for sale of the manufactured home and land; or\no a complete copy of the executed contract for both, if the manufactured home and land are purchased\n\nseparately; and\n\no a copy of the manufacturer’s invoice if the manufactured home is new.\n\nThe appraiser must analyze the contract(s) and the manufacturer’s invoice for new manufactured homes, and provide a\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 108 of 166\n\nUAD 3.6 Policy\n\nsummary in the appraisal report.\n\n•\n\nThe appraiser must identify the construction method as manufactured home and include the foundation type.\nIdentifying the property as a manufactured home will help to ensure the appraiser accurately reports its characteristics\nincluding, but not limited to, the:\n\ntrade or model number,\nyear of manufacture,\nserial number,\n\no manufacturer’s name,\no\no\no\no Certification number(s) from the HUD Data Plate or HUD Certification Label(s),\no\no detailed and supported cost approach,\no opinion of the market value of the site, and\no property’s conformity to the market.\n"} diff --git a/chunks/json/d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d.json b/chunks/json/d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d.json new file mode 100644 index 0000000000000000000000000000000000000000..f034152b70bb54c5c557cd9b46f274da757c8fda --- /dev/null +++ b/chunks/json/d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38594,"char_start":38129,"chunk_id":"chk_8f0f3dabbbd0cfbb","chunk_index":57,"chunk_sha256":"d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 177\n\nUnit Interior – ADU ................................................................................................................................................................................................................... 180\n"} diff --git a/chunks/json/d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc.json b/chunks/json/d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc.json new file mode 100644 index 0000000000000000000000000000000000000000..e03e39367ffce1c1ae5cbf62deb07d97a2825174 --- /dev/null +++ b/chunks/json/d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":275456,"char_start":273855,"chunk_id":"chk_638204b33b7b388b","chunk_index":157,"chunk_sha256":"d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Figure 101. Rendering Assumed Loan Amount on the CD Loan Terms Table.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $79,000\n\n4.1.2 No\n\n4.1.3\n\nFigure 102. Rendering AssumedLoanAmount on the CD Summaries of Transactions Table.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n(11.0 – 13.0)\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.2 Loan Amount\n\n12.1.1\n\nUCD v2.0 Implementation Guide\n\n- 124 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 102. Rendering AssumedLoanAmount on the CD Summaries of Transactions Table.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n(11.0 – 13.0)\n\n12.3 Existing Loan(s) Assumed or Taken Subject to\n\n12.2.1\n\n$79,000.00\n\nTable 64. UCD v2.0 Spec Excerpt – AssumedLoanAmount Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/\nLOANS/LOAN/TERMS_OF_LOAN\n\n10.033\n\nAssumedLoanAmount\n\n79000.00\n\nMutually exclusive with NoteAmount and\nFullyIndexedInitialPrincipalAndInterestPayme\nntAmount.\n\nb. Note Amount\n\nFor either loan purchases or refinances and fixed or adjustable rates when the index rate is known, NoteAmount should\nbe used. It is rendered in the “Loan Terms” table exactly as if it were AssumedLoanAmount, but in “Summaries of\nTransactions”, it is on a different line number.\n\nFigure 103. Rendering NoteAmount on the CD.\n\nSummaries of Transactions\n\n(11.0 – 13.0)\n\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n"} diff --git a/chunks/json/d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f.json b/chunks/json/d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f.json new file mode 100644 index 0000000000000000000000000000000000000000..fcead11e969d055b067388bbf9f92c32eb0c189a --- /dev/null +++ b/chunks/json/d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16559,"char_start":14961,"chunk_id":"chk_f1c1262e1fbaeac2","chunk_index":9,"chunk_sha256":"d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Level 1 - Bath - Full\n\nLevel 1 - Kitchen\n\nThis is where the Full Bathroom photo would display.\n\nThis is where the Kitchen photo would display.\n\nLevel 1 - Living Room\n\nApparent Defects, Damages, Deficiencies - Appliances -\nKitchen\n\nThis is where the Living Room photo would display.\n\nThis is where the Appliance Defect photo would display.\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nBathroom\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nKitchen\n\nThis is where the Bathroom Cabinet Defect photo would display.\n\nThis is where the Kitchen Cabinet Defect photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 9 of 29\n\nUnit Interior - Building 1 - Unit 1 (continued)\n\nApparent Defects, Damages, Deficiencies - Doors - Bathroom\n\nApparent Defects, Damages, Deficiencies - Walls and\nCeiling - Bathroom\n\nThis is where the Bathroom Door Defect photo would display.\n\nThis is where the Bathroom Wall Defect photo would display.\n\nDwelling Exterior - Building 2\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\nUp to 1 foot\n1985\nSite Built\nNone\n\nThis is where the Dwelling 2 Front photo would display.\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ5\n\nExterior Condition Rating\n\nC4\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n"} diff --git a/chunks/json/d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af.json b/chunks/json/d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af.json new file mode 100644 index 0000000000000000000000000000000000000000..3e0242ff372da29c8a8492110fe9b8dd5c77a3ad --- /dev/null +++ b/chunks/json/d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":104381,"char_start":102673,"chunk_id":"chk_a9ef94b16a483a56","chunk_index":59,"chunk_sha256":"d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af","token_estimate":427,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Reference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for requirements regarding the level of inspection.\n\nAssignment Information: Contact Information – Scope of Inspection for Subject Property\n\nReport\nField ID\n\n2.021\n2.036\n\nReport Label\n\nWhen to Include\n\nExterior\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nInterior\n\n2.022\n2.037\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nExterior Inspection Method: The method by which the exterior inspection was\nconducted by the appraiser or supervisory appraiser.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nInterior Inspection Method: The method by which the interior inspection was\nconducted by the appraiser or supervisory appraiser.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nAppendix F-1: URAR Reference Guide\n\nPage 40 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nReport\nField ID\n\n2.023\n2.038\n\nAssignment Information: Contact Information – Scope of Inspection for Subject Property\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nInspection Date Always required for\n\nmm/dd/yyyy\n\nDate that the subject property inspection was completed.\n\nthe appraiser and\nsupervisory appraiser\nfor any physical or\nvirtual inspection that\nwas performed.\n\nNote: If both Exterior Inspection Method and Interior Inspection Method are No\nInspection, Inspection Date is not applicable and does not display.\n"} diff --git a/chunks/json/d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301.json b/chunks/json/d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301.json new file mode 100644 index 0000000000000000000000000000000000000000..aea9ab371ec04e65c96d761edb59f8f1a025cb44 --- /dev/null +++ b/chunks/json/d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301.json @@ -0,0 +1 @@ +{"chunk":{"char_end":258757,"char_start":257156,"chunk_id":"chk_4f75e810e83ca260","chunk_index":232,"chunk_sha256":"d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"separate row. (Figure 10 - 11)\n\n10.046\n\nQuality Comment\n\n0700.0106\n\nImprovementComponentQualityDescription\n\nDisplay when ImprovementComponentType = \"Flooring\" AND Exists\n\n10.047\n\nCondition Status\n\n0700.0104\n\nImprovementComponentConditionStatusType\n\nDisplay when ImprovementComponentType = \"Flooring\"\n\n10.048\n\nCondition Comment\n\n0700.0111\n\nImprovementComponentConditionDescription\n\nDisplay when ImprovementComponentType = \"Flooring\" AND Exists\n\n10.049\n\nOverall Update\nStatus for Flooring\n\n0700.0122 OverallFlooringUpdateStatusType\n\nDisplay when ImprovementComponentType = \"Flooring\"\n\n10.044 Walls and Ceiling\n\n0700.0046\n\nImprovementComponentType =\n”WallsAndCeiling”\n\nAlways displays\n\n10.045\n\nDetail\n\n0700.0050 ApproximateCeilingHeightType\n\n0700.0108 CeilingStyleType\n\nDisplay when ImprovementComponentType = \"WallsAndCeiling\"\nDisplay all values of ApproximateCeilingHeightType separated by a “|” followed by all\nvalues of CeilingStyleType separated by a “|”\nExample: 8 Ft. | 9 Ft. | 2 or more stories | Cathedral | Coffered | Flat\n\n10.046\n\nQuality Comment\n\n0700.0107\n\nImprovementComponentQualityDescription\n\nDisplay when ImprovementComponentType = \"WallsAndCeiling\" AND Exists\n\n10.047\n\nCondition Status\n\n0700.0045\n\nImprovementComponentConditionStatusType\n\nDisplay when ImprovementComponentType = \"WallsAndCeiling\"\n\n10.048\n\nCondition Comment\n\n0700.0112\n\nImprovementComponentConditionDescription\n\nDisplay when ImprovementComponentType = \"WallsAndCeiling\" AND Exists\n\n10.044\n\nOther (Describe)\n\n0700.0046\n\nImprovementComponentType = “Other”\n\nWhen ImprovementComponentType = \"Other\" the description displays\n"} diff --git a/chunks/json/d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d.json b/chunks/json/d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d.json new file mode 100644 index 0000000000000000000000000000000000000000..7e8e6ffd0a27bdb85929e1e4330d87b98b2f3400 --- /dev/null +++ b/chunks/json/d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":296050,"char_start":294450,"chunk_id":"chk_08c44d0cde9e60e5","chunk_index":171,"chunk_sha256":"d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nTransfer Terms\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nAll Rights Included\n\nRights Not Included\n\nSame Builder as Subject\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nHazard Zone\n\nSite Influence (Location)\n\nApparent Environmental\nConditions\n\nView | Range\n\nUniform Residential Appraisal Report\n\nPage 19 of 30\nPage 19 of 30\n\nSales Comparison Approach\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n123 Anywhere St\nSome City, VA 20141\n\n345 Somewhere Ave\nSome City, VA 20141\n\n222 Canal Blvd\nAnywhere City, VA 20141\n\n98761 State Rd 3\nAnywhere City, VA 20141\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS 87598763 |\nAssessor Record\n\n3.71 Miles SE\n\n$440,000\n\nSettled Sale\n\n$435,000\n\nTypically\nMotivated\n\n$12,000\n\n$(6,000)\n\n$0\n\n$0\n\n06/01/2019\n\n08/05/2019\n\n65\n\nDetached\n\nFee Simple\n\nNo\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nFee Simple\n\nNo\n\nMLS 87598763 |\nAssessor Record\n\n6.32 Miles NE\n\n$510,000\n\nSettled Sale\n\n$499,900\n\nMLS 65478326 |\nAssessor Record\n\n9.09 Miles SE\n\n$345,000\n\nSettled Sale\n\n$345,000\n\nShort Sale\n\n$35,000\n\nTypically\nMotivated\n\nNo\n\n06/05/2019\n\n07/04/2019\n\n29\n\nDetached\n\nFee Simple\n"} diff --git a/chunks/json/d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c.json b/chunks/json/d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c.json new file mode 100644 index 0000000000000000000000000000000000000000..4e0ebf87e6212eafb123554e3ec513aae4a3075a --- /dev/null +++ b/chunks/json/d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":894,"char_start":0,"chunk_id":"chk_93ac0d8a5326f4ff","chunk_index":0,"chunk_sha256":"d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c","token_estimate":492,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Fannie Mae and Freddie Mac\nUniform Mortgage Data Program\n\nSpecification Update Impact Memo Version 2.1\n\nDate: December 20, 2022\n\nFannie Mae Confidential\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n.\n\nContents\n\nRevision History ....................................................................................................................................... 3\n\nSummary of Changes .............................................................................................................................. 4\n\nPurpose ................................................................................................................................................... 5\n"} diff --git a/chunks/json/d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429.json b/chunks/json/d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429.json new file mode 100644 index 0000000000000000000000000000000000000000..14dc8ad37c343f41ecf96ef04552c79f43802a34 --- /dev/null +++ b/chunks/json/d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429.json @@ -0,0 +1 @@ +{"chunk":{"char_end":407006,"char_start":405393,"chunk_id":"chk_d97f5fab7bdea887","chunk_index":228,"chunk_sha256":"d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"17.3 Late Payment – the “gse:” namespace prefix indicates that the late charge containers and data points are\nextensions to MISMO v3.3. The term “@xmlns:gse = http://www.datamodelextension.org” must be included in\nthe declarations at the top of the XML file (see Table 5. UCD File Handling Data).\n\n17.4 Negative Amortization – The same data points are used to populate 4.1.3 Loan Amount Increase Terms\nand are provided only once in the XML file.\n\n17.6 Security Interest – The same data points are used to populate 1.6 Property and are provided only once in\nthe XML file.\n\nB. FOR MORE I NFORMATI ON\n\n17.0 §1026.38(l) pp. 80126, 80359, 80026\n\n17.1 §1026.38(l)(1) pp. 80126, 80359, 80026\n\n17.2 §1026.38(l)(2) pp. 80126-7, 80359, 80026-7\n\n17.3 §1026.38(l)(3) pp. 80127, 80359, 80027\n\n17.4 §1026.38(l)(4) pp. 80127 80359, 80027-8\n\n17.5 §1026.38(l)(5) pp. 80127, 80359, 80028-9\n\n17.6 §1026.38(l)(6) pp. 80127, 80359, 80029-30\n\nAppendix E: UCD Implementation Guide\n\nPage 190 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n18.0 Escrow Account - UPDATED\n\n18.0 ESCROW ACCOUNT - UPDATED\n\nThe Escrow Account section is included in the following Closing Disclosure variations:\n\nTable 126. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions\nOnly Alternate Form\n\n18.0\n\nEscrow Account\n\n✓\n\n✓\n\n✓\n\nFigure 110 illustrates the Escrow Account section, which indicates whether the loan will have an escrow\naccount, then includes information under either the Escrow or No Escrow heading as applicable.\n"} diff --git a/chunks/json/d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df.json b/chunks/json/d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df.json new file mode 100644 index 0000000000000000000000000000000000000000..80a4021559610bca73f14fb998b742dac316bca6 --- /dev/null +++ b/chunks/json/d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88501,"char_start":86895,"chunk_id":"chk_6b3129d2c2aa3242","chunk_index":51,"chunk_sha256":"d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Page 51 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nReporting Format:\nLine 1: Total Square Footage – Numeric to 5\ndigits, whole numbers only\nLine 1: Finished Square Footage – Numeric\nto 5 digits, whole numbers only\nLine 1: Basement Access – Appraiser must\nselect one value from the specified list (values\nwo, wu, or in)\nThe PDF creator will automatically insert the\ntext ‘sf’ to separate the data values.\n\nLine 2: Room Count/Type – Numeric to 1\ndigit*\n*For bathrooms, the format is n.n – full baths\nseparated from half baths with a period (.).\nThe PDF creator will automatically insert the\nroom type abbreviations to separate the data\nvalues.\n\nExamples:\nLine 1: 1000sf750sfwu\nLine 2: 1rr1br1.0ba2o\n\nEnergy Efficient Items\nThe appraiser must enter any energy efficient\nitems for the subject property and each\ncomparable property. If there are no energy\nefficient items, enter ‘None’.\n\nReporting Format:\nEnergy Efficient Items – Text\n\nGarage/Carport\nThe appraiser must indicate the total number\nand type of off-street parking spaces\nassociated with the subject property and each\ncomparable property. If there is no off-street\nparking, enter ‘None’.\n\nReporting Format:\nGarage/Carport – Text\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n"} diff --git a/chunks/json/d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae.json b/chunks/json/d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae.json new file mode 100644 index 0000000000000000000000000000000000000000..ea3b1dc248d987b71b64898fb8c1b9534d17558e --- /dev/null +++ b/chunks/json/d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_f4de0aa5a61280e1","chunk_index":0,"chunk_sha256":"d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c413456fc274133e","text_sha256":"d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Plain_Language_Report___U_S__FEDERAL_HOUSING_9mta8e.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/plain-language-report\"\ndate_accessed: \"2026-01-27T17:54:20.728Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69.json b/chunks/json/d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69.json new file mode 100644 index 0000000000000000000000000000000000000000..95f67bdf9c3d24aa7c3b6acb0fc3f54023c90f55 --- /dev/null +++ b/chunks/json/d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1460,"char_start":0,"chunk_id":"chk_288128f935f17fb1","chunk_index":0,"chunk_sha256":"d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69","token_estimate":365,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Uniform Closing Dataset Specification Version 2.0\nImplementation Guide\nDocument Version 1.0\nDecember 17, 2024\n\nIn support of the\nIntegrated Mortgage Closing Disclosure under the\nReal Estate Settlement Procedures Act (Regulation X)\nand the Truth in Lending Act (Regulation Z)\nIssued by the CONSUMER FINANCIAL PROTECTION BUREAU\nPublished in the Federal Register on December 31, 2013\n\nand all subsequent amendments, corrections and interpretations:\n86 FR 44267 Interpretation (August 8, 2021)\n85 FR 26319 Interpretation (May 4, 2020)\n83 FR 19159 Amendments (May 2, 2018)\n82 FR 37656 Amendments (August 11, 2017)\n81 FR 7032 Correction (February 10, 2016)\n80 FR 80228 Correction (December 24, 2015)\n80 FR 43911 Amendments (July 24, 2015)\n80 FR 8767 Amendments (Feb. 19, 2015)\n80 FR 43911 Amendments (July 24, 2015)\n80 FR 80228 Correction (December 24, 2015)\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n©2024 Freddie Mac and Fannie Mae. All Rights Reserved. MISMO® is a registered trademark of the Mortgage Industry Standards Maintenance\nOrganization.\n\nUniform Closing Dataset\n\nRevision History\n\nREVISION HISTORY\n\nPublication Date\n\nVersion\nNumber\n\nRevision Description\n\nDecember 17, 2024\n\n1.0\n\nInitial version with UCD v2.0 Specification.\n\nUCD v2.0 Implementation Guide\n\nii\n\nVersion 1.0\n\nUniform Closing Dataset\n\nCONTENTS\n\nContents\n"} diff --git a/chunks/json/d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008.json b/chunks/json/d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008.json new file mode 100644 index 0000000000000000000000000000000000000000..2ab56e590f84bbb38ce57c124f158cf9d99895b2 --- /dev/null +++ b/chunks/json/d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4834,"char_start":3401,"chunk_id":"chk_14868618674e9803","chunk_index":2,"chunk_sha256":"d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f77a7012f55d0780","text_sha256":"d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008","token_estimate":357,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-questionnaire.pdf"]},"text":"Business Partner Organization Type\n\nYes No N/A If yes, please provide the name(s)\n\nLoan Origination System\n\nUCDP Direct Integrator or UCDP Portal\n\nLender Agents (e.g. Appraisal Management Companies)\n\n© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of\nthe Federal Housing Finance Agency.\n\n2 of 3\n\nBusiness Partner Organization Type\n\nYes No N/A If yes, please provide the name(s)\n\nAppraisal Ordering Platform\n\nOther Appraisal Service Provider(s) (ex. Fulfillment or QC\nsoftware/vendor)\n\n4. Limited Production\n\nPlease provide the estimated count of UAD 3.6 appraisals currently anticipated for UCDP submission per month?\n\nMonth\n\nSeptember\n\nOctober\n\nNovember\n\nDecember\n\nJanuary\n\nPercentage of Production\n\nUnits\n\na. Percentage of business? ___________________________________________________\n\nb.\n\nIf planning to stage portions of your business to convert to UAD 3.6 over time, please explain your plan.\n\n(e.g. Property Type, State, Channel etc.)\n\n________________________________________________________________________\n\n© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n3 of 3\n"} diff --git a/chunks/json/d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0.json b/chunks/json/d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0.json new file mode 100644 index 0000000000000000000000000000000000000000..942cdc2aa5b9ace6a9bf08e2f21cb3ed549def63 --- /dev/null +++ b/chunks/json/d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":581094,"char_start":579452,"chunk_id":"chk_0df1a5a9e537d49b","chunk_index":345,"chunk_sha256":"d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n•\n•\n\nIf the feature does not exist for the comparable, enter “None”.\nIf the comparable has an exterior feature that the subject does not\nhave, report as an Additional Row in the Dwelling(s) subsection\n(22.05.18) and not here.\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nInterior Quality and Condition\n\nInterior Quality and Condition repeats in the sales comparison grid for each unit that is not an ADU.\nNotes:\n• When interior features are included in the Interior Quality and Condition subsection, it provides context for:\n\no\no\n\nInterior Quality Rating for the unit, and for the Overall Quality Rating.\nInterior Condition Rating for the unit, and for the Overall Condition Rating.\n\n• Any adjustments are made in the Overall Quality Rating (22.11.04) or Overall Condition Rating (22.11.06) row, and not here.\n• For a single-family property, only one unit displays in the sales grid, with no Structure Identifier or Unit Identifier.\n• For properties with more than one unit:\n\no Structure Identifier and Unit Identifier are always required.\no The interior quality and condition information repeats for each unit.\n\n• Accessory dwelling units are addressed separately in the ADU Interior Quality and Condition subsection (22.10).\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Interior Quality and Condition\n\n22.09.02\n22.09.18\n\nStructure ID |\nUnit ID\n\nWhen Units\nExcluding\nADUs is more\nthan 1 for the\nsubject or any\ncomparable\n"} diff --git a/chunks/json/d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef.json b/chunks/json/d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef.json new file mode 100644 index 0000000000000000000000000000000000000000..328d7011390cc5d70f74185a5b37d1931fe2eca7 --- /dev/null +++ b/chunks/json/d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40407,"char_start":38776,"chunk_id":"chk_07127b59cd1ee1ed","chunk_index":24,"chunk_sha256":"d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sales Comparison Comment**\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...RESEARCH\nSales History Researched Indicator\n\nSales History Not Researched Comment\n\nComparable Listings Researched Count\n\nComparable Sales Researched Count\n\nComparable Sales Price Range Low Amount\n\nComparable Sales Price Range High Amount\n\nComparable Listing Price Range Low Amount\n\nComparable Listing Price Range High Amount\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...RESEARCH\n….SUBJECT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nPage 21 of 211\n\nDocument Version 1.4\n\nSubject Has Prior Sales Indicator**\n\nData Source Description\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...RESEARCH\n….COMPARABLE\nComparable Has Prior Sales Indicator**\n\nData Source Description\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\nProperty Sequence Identifier\n\nData Source Verification Description\n\nProperty Sales Amount\n\nSales Price Per Gross Living Area Amount\n\nSale Price Total Adjustment Amount\n\nSales Price Total Adjustment Positive Indicator\n\nSale Price Total Adjustment Net Percent\n"} diff --git a/chunks/json/d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2.json b/chunks/json/d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2.json new file mode 100644 index 0000000000000000000000000000000000000000..42b73dbc1301b6c6aef3e7395cb25d6e614b217d --- /dev/null +++ b/chunks/json/d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46706,"char_start":44692,"chunk_id":"chk_0b033d9cfc05e2fe","chunk_index":27,"chunk_sha256":"d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2","token_estimate":504,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nIs there any commercial space in the project?\n– Checkbox designated with an ‘x’ Percentage\nof Commercial Space – Numeric to 2 digits,\nwhole numbers only\n\nPage 24 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n• *FIELD IS LOCATED\n\nIN PROJECT\nINFORMATION\nSECTION\n\n•\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n• *FIELD IS LOCATED\n\nIN UNIT\nDESCRIPTION\nSECTION\n\n•\n\n• 1004/70\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nINSTRUCTION\n\nImprovemen\nts Section\n\n# of Stories\nThe appraiser must indicate the number of\nstories for the subject property. Do not use any\ndesignators or descriptors, such as ‘1 story’ or\n‘one story and a half.’\n\nFor condominiums, the appraiser must enter\nthe number of stories for the building in which\nthe subject unit is located.\n\nReporting Format:\n# of Stories – Numeric to 2 decimal places\n\n# of Levels\nThe appraiser must indicate the number of\nlevels for the subject unit. Do not use any\ndesignators or descriptors, such as ‘1 level’.\n\nReporting Format:\n# of Levels – Numeric, whole numbers only\n\nDesign (Style)\nThe appraiser should enter an appropriate\narchitectural design (style) type descriptor that\nbest describes the subject property. Valid\ndescriptions include, but are not limited to,\n‘Colonial,’ ‘Rambler,’ ‘Georgian,’ ‘Farmhouse’.\nDo not use descriptors such as ‘brick,’ ‘2\nstories,’ ‘average,’ ‘conventional,’ or ‘typical’\nas these are not architectural styles.\nDesign style names may vary by locality. The\nappraiser should report the name of the design\nstyle that is applicable within the local market\narea.\n"} diff --git a/chunks/json/d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1.json b/chunks/json/d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1.json new file mode 100644 index 0000000000000000000000000000000000000000..ba49182fd8923af0dbddd2f6e0239120f793912f --- /dev/null +++ b/chunks/json/d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":154780,"char_start":153088,"chunk_id":"chk_9ceb9d721d0b10b9","chunk_index":90,"chunk_sha256":"d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/COOLING/@_OtherIndicator\n\n1\n\n1\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates individual cooling units, a value of 'N' indicates the\nbox is not checked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates other cooling, a value of 'N' indicates the box is not\nchecked.\n\n185\n\n186\n\n187\n\n188\n\n189\n\n190\n\n191\n\n192\n\n193\n\n194\n\n195\n\n196\n\n197\n\n198\n\n199\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n180\n\nIMPROVEMENTS\n\nCooling\nOther Description\n\nCooling Unit\nDescription\n\nA free-form text field describing the\nprimary cooling unit.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/COOLING/@_UnitDescription\n\n10\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the cooling method used, if 'Other' is indicated. If no\ncooling, 'None' should be indicated.\n\n1\n\n2\n\n1\n\n6\n\n1\n\n181\n\nIMPROVEMENTS\n\nAmenities\nFireplace\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Fireplace']/@_\nExistsIndicator\n\n182\n\nIMPROVEMENTS\n\nAmenities\nFireplace(s) #\n\nAmenity Count\n\n183\n\nIMPROVEMENTS\n\nAmenities\nPatio/Deck\n\nAmenity Exists\nIndicator\n\n184\n\nIMPROVEMENTS\n\nAmenities\nPatio/Deck Description\n\nAmenity Detailed\nDescription\n\n185\n\nIMPROVEMENTS\n\nAmenities\nPool\n\nAmenity Exists\nIndicator\n\n186\n\nIMPROVEMENTS\n\nAmenities\nPool Description\n\nAmenity Detailed\nDescription\n\n187\n\nIMPROVEMENTS\n\nAmenities\nWoodstove\n\nAmenity Exists\nIndicator\n\nThe number of the amenities specified\nby Amenity Type that are present in\nthe property. For example two\nfireplaces.\n"} diff --git a/chunks/json/d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17.json b/chunks/json/d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17.json new file mode 100644 index 0000000000000000000000000000000000000000..5d60b5d9a8b58152776cb45923dcafeacd91cec0 --- /dev/null +++ b/chunks/json/d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33010,"char_start":31375,"chunk_id":"chk_bfd343c89585bdbb","chunk_index":19,"chunk_sha256":"d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17","token_estimate":409,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Accessory Dwelling Units\n\nGross Building Finished Area\n\nRent Control\n\nSale Price\n\nSale Date\n\nGross Monthly Rent\n\nGross Rent Multiplier\n\nComparable Weight\n\nIndicated Value by Income Approach\n\nTotal Monthly Market Rent\n\n×\n\nGross Rent Multiplier\n\n=\n\nIndicated Value by Income Approach\n\nthis must appear\n\nIncome Approach Commentary\n\nIncome Approach Exhibits\n\nComparable #\n\nComparable #\n\nComparable #\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nCost Approach\n\nIndicated Value by Cost Approach\n\nDepreciated Cost - Dwelling - [Structure Identifier]\n\n@\n\nPhysical Depreciation\n\nFunctional Depreciation\n\nExternal Depreciation\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Set Up\n\nRemaining Economic Life\nEffective Age\n\nCommentary on Remaining Economic Life\n\nCommentary on Effective Age\n\nDepreciated Cost - Outbuilding - [Outbuilding Type]\n\n@\n\nPhysical Depreciation\n\nFunctional Depreciation\n\nExternal Depreciation\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Set Up\n\nAs Is Value of Site Improvements\n\nDescription\n\nDepreciated Cost of Dwellings\nDepreciated Cost of Outbuildings\nAs Is Value of Site Improvements\nOpinion of Site Value\n\nTotal\n\nTotal\n\nTotal\n\nAmount\n\nSite Value\n\nPrimary Site Valuation Method\n\nOpinion of Site Value\n\nLand Comparables\n\n#\n\nAddress\n\nCounty\n\nData Source\n\nAssessor Parcel\nNumber (APN)\n\nSite Size\n\nSale Date\n\nPrice\n\nReconciliation of Site Value\n\nGeneral Description\n\nCost Type\nCost Data Source\nQuality Rating\nEffective Date\n"} diff --git a/chunks/json/d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675.json b/chunks/json/d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675.json new file mode 100644 index 0000000000000000000000000000000000000000..621a9badb9ae03f20a51bd1f33b992df93a53331 --- /dev/null +++ b/chunks/json/d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675.json @@ -0,0 +1 @@ +{"chunk":{"char_end":518186,"char_start":516473,"chunk_id":"chk_4c9453325be5fbb2","chunk_index":307,"chunk_sha256":"d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675","token_estimate":429,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required if All Rights\nIncluded in Appraisal is\nNo, and the row is\nincluded in the sales\ncomparison grid\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDollar amount\n\nYes | No\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nYes | No\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSubject Property\n•\n\nProperty Rights\nAppraised 3.019\n\nYes\n22.01.40\n\n•\n•\n•\n\nFee Simple\nLeasehold\nOther (Describe)\n\nAdjustments, if any, for differences between Fee Simple and Leasehold, or\nfor differences in Ground Rent Annual Amount are done in this row.\n\nNo\n\nThis row is included only to report the ground rents for the subject and\ncomparables. Any adjustment for Ground Rent Annual Amount is done in\nthe Property Rights Appraised row (22.01.40).\n\nSubject Property\n•\nGround Rent\nAnnual Amount\n3.022\n\nSubject Property\n•\n\nProperty on Native\nAmerican Lands\n3.014\n\nSubject Property\n•\n\nNative American\nLands Type 3.021\n\nYes\n22.01.43\n\nYes\n22.01.43\n\nProperty on Native American Lands\n\n•\n•\n•\n•\n\nAlaska Native Corporation Land\nHawaiian Home Lands\nTribal Trust Land\nOther (Describe)\n\nSubject Property\n•\n\nAll Rights Included\nin Appraisal 3.027\n\nYes\n22.01.45\n\nThis row displays on the sales comparison grid when an adjustment is\nmade for the bundle of rights, or to support conclusions.\n\nSubject Property\n•\nRights Not\nIncluded 3.028\n\nNo\n\n•\nAir Rights\n• Mineral Rights\n•\nTimber Rights\n• Water Rights\n•\n\nOther (Describe)\n\nThis row is included only to report the rights that are not included as part\nof the bundle of rights for the subject and comparables. Any adjustment\nfor Rights Not Included is done in the All Rights Included row (22.01.45).\n"} diff --git a/chunks/json/d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231.json b/chunks/json/d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231.json new file mode 100644 index 0000000000000000000000000000000000000000..664a8463baf9c49620a03a639b3da6ff25340373 --- /dev/null +++ b/chunks/json/d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53513,"char_start":51498,"chunk_id":"chk_1391e61d9a678ec7","chunk_index":35,"chunk_sha256":"d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231","token_estimate":504,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"2d. Other Liabilities and Expenses\n\nOther liabilities and expenses should be reported by the borrower (i.e., Alimony, Child Support, Separate\nMaintenance, and Job-Related Expenses). Job related expenses are generally only required for VA loans\nand include items such as childcare expenses.\n\nSection 3: Financial Information – Real Estate\nThis section is used to provide information on real properties the borrower(s) own.\n\n3a. Property You Own\n\nBorrowers must identify information on real estate that they own. In the case of a refinance application,\nDU expects the Loan Application Submission file to include the OwnedSubjectPropertyIndicator. The\nredesigned Form 1003 table includes information about the property value, status, intended occupancy, and\nthe associated mortgage unless the borrower owns the property free of liabilities. Note that if the monthly\ninsurance and taxes are included in the mortgage payment, the information should not also be identified\nseparately in Insurance, Taxes, and Association Dues. The nature of this information is distributed among\ndifferent MISMO containers and it will be necessary to link them to allow DU to understand the\nrelationship, especially in the case of multiple properties and mortgages.\n\nRefer to the corresponding diagram under Chapter 6 to better visualize the above concepts. The diagrams\nwill give you context when discussing the information with your technical team.\n\n3b. IF APPLICABLE, Complete Information for Additional Property\n\nThe purpose of this table is to identify additional properties. The table could repeat as necessary for\nadditional properties a borrower owns. DU will expect the Loan Application Submission file to include\nmultiple instances to allow reporting of all REO properties that the borrower declares. An ArcRole should\nbe used to associate the REO properties to the corresponding liabilities (mortgages or home equity lines of\ncredit), refer to the ArcRole Tab for more information. The following attribute in example 4 applies:\n"} diff --git a/chunks/json/d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790.json b/chunks/json/d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790.json new file mode 100644 index 0000000000000000000000000000000000000000..b6d667ebfcbd9d75f94fd5281cb28a20afe5d5d5 --- /dev/null +++ b/chunks/json/d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790.json @@ -0,0 +1 @@ +{"chunk":{"char_end":51161,"char_start":50606,"chunk_id":"chk_0b0ffad05f9e4c58","chunk_index":79,"chunk_sha256":"d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790","token_estimate":476,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"18 Project Information ......................................................................................................................................................................................................................... 244\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 16\n\nOverview ................................................................................................................................................................................................................................................ 244\n"} diff --git a/chunks/json/d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52.json b/chunks/json/d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52.json new file mode 100644 index 0000000000000000000000000000000000000000..63306b1a2d0e9dc7c91fdf35f34ebfca0e28cb31 --- /dev/null +++ b/chunks/json/d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52.json @@ -0,0 +1 @@ +{"chunk":{"char_end":433936,"char_start":432292,"chunk_id":"chk_e25928dff690ce6f","chunk_index":245,"chunk_sha256":"d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The Loan Terms table provides information about the Payment Option feature presented in the AP Table.\n\nAppendix E: UCD Implementation Guide\n\nPage 201 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nLoan Terms\n\n4.0 Initial P&I\n\nIncrease?\n\nDescription\n\n4.3 Monthly Principal & Interest\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.1 $761.78\n\n4.3.2 YES\n\n4.3.3\n5) Adjusts once starting in year 6\n6) Can go as high as $925.00 in year 6\n7) See AP Table on page 4 for details\n\nFigure 122. Loan Terms Table for Optional Payment Loan\n\n2. LOAN TERMS AND AP TABLE PAYMENT OPTI ON LOAN\n\nThe following table links the information provided in the Loan Terms and AP Tables.\n\nTable 134. Loan Terms and AP Table Payment Option Loan Entries\n\nLoan Terms Table (4.0)\n\nAP Table (19.0)\n\nID (bullet)\n\nForm Field Name\n\nID\n\nForm Field Name\n\n4.3 Monthly Principal & Interest\n\n19.5 Monthly Principal and Interest Payments\n\n4.3.3 (1) Adjusts once…\n\nN/A\n\nN/A\n\nN/A\n\n4.3.3 (1) …starting in year 6\n4.3.3 (2) Can go as high as $925.00 …\n\n19.7 Subsequent Changes No subsequent changes\n\n19.6 First Change / Amount $925.00…\n\n19.6 First Change / Amount …at 61st payment\n19.8 Maximum Payment $925.00…\n\n4.3.3 (2) …in year 6\n\n19.8 …starting at 61st payment\n\nFigure 123. Loan Terms and AP Table for Optional Payment Loan\n\nThe data points used to provide this information are shown in the table below. The Loan Terms table form field\nIDs have been included where applicable to help emphasize that the data points are provided only once in the\nXML file.\n\nTable 135. Optional Payment Loan\nMISMO v3.3.0 Data\nPoint/Attribute\n"} diff --git a/chunks/json/d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411.json b/chunks/json/d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411.json new file mode 100644 index 0000000000000000000000000000000000000000..7344b7398c1605bd438dc87d500c0d0d391abfdf --- /dev/null +++ b/chunks/json/d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16434,"char_start":13782,"chunk_id":"chk_77096163179f6f67","chunk_index":7,"chunk_sha256":"d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1f743f9985a9d805","text_sha256":"d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411","token_estimate":782,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Multifamily_Public_Use_Database_Dashboa_imboig.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"data\\/dashboard\\/enterprise-multifamily-public-use-database\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2.json b/chunks/json/d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2.json new file mode 100644 index 0000000000000000000000000000000000000000..895e4a426e2a57624afbb59c7381e93198110e5e --- /dev/null +++ b/chunks/json/d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4850,"char_start":3210,"chunk_id":"chk_9afd6947d1c0204a","chunk_index":2,"chunk_sha256":"d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2","token_estimate":410,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"NoInspection\n\nfalse\n\n25.165173\n\n-51.328125\n\nKinross Avenue to the North; Malcolm Avenue to the East; Ohio Avenue to the South; The 405 to the West\n\n12\n\nThe market search was limited by the following factors: Properties that included between 1-2 full bathrooms, 2-3 bedrooms, that were built between 1960 and 1985 with a closing date between 09/18/2018 and 09/17/2019.\n\n7\n\n769000\n\n699999\n\n29\n\n747000\n\nActiveListings\n\n2\n\nPendingSales\n\n31\n\n809000\n\n719000\n\n764000\n\nTotalSales\n\nUnderThreeMonths\n\nShortage\n\nfalse\n\nEastwood\n\nTract Number 31313 - Unit Number 202, Parking Spaces G22, G23.\n\nCondominiumUnit\n\nAssessorUnformattedIdentifier\n\n4324-007-028-001\n\nParking\n\nAssessorUnformattedIdentifier\n\n4324-007-028-G22\n\nParking\n\nAssessorUnformattedIdentifier\n\n4324-007-028-G23\n\nBuiltInPool\n\nAssigned\n\nUnitStorage\n\nIngroundSpa\n\nfalse\n\nThere is on-going renovation of balconies on the building due to settlement cracking.\n\ntrue\n\nfalse\n\ntrue\n\ntrue\n\n5\n\ntrue\n\n36\n\n2\n\n3\n\nThe appraiser was unable to obtain an exact count of renters due to incomplete data on the Condo Questionnaire.\n\ntrue\n\n34\n\nCondominium\n\nThe MI5\n\nfalse\n\n2\n\n56\n\nConcrete\n\nBalcony\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nWholeHome\n\nWallsAndCeiling\n\nfalse\n\nPeeling paint was observed in one of the bedrooms of unit. Appears to be typical deferred maintenance.\n\nOther\n\nBedroom\n\nNone\n\nPeeling Paint\n\n\\\\Images\\Condo1_UnitDefect.png\n\nimage/png\n\nfalse\n\nBalcony is functional, but shows overall age and some deferred maintenance, mainly from the cracking of concrete. The condo association has systematically been moving throughout the building and making repairs as needed throughout all unit balconies.\n"} diff --git a/chunks/json/d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c.json b/chunks/json/d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c.json new file mode 100644 index 0000000000000000000000000000000000000000..148d272a1848df53b61284b4db4b9e835980384c --- /dev/null +++ b/chunks/json/d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44004,"char_start":43521,"chunk_id":"chk_37c5b2288cfe756d","chunk_index":67,"chunk_sha256":"d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 214\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 215\n"} diff --git a/chunks/json/d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001.json b/chunks/json/d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001.json new file mode 100644 index 0000000000000000000000000000000000000000..b972147d9ae395a45b31509801cd081ddb66bf2f --- /dev/null +++ b/chunks/json/d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1072067,"char_start":1070458,"chunk_id":"chk_4b7a1b5f08808842","chunk_index":637,"chunk_sha256":"d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Are the utilities and off-site\nimprovements typical for the\nmarket area? No\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='UtilitiesAndOffSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='UtilitiesAndOffSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nAre the utilities and off-site\nimprovements typical for the\nmarket area? If No, describe\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='UtilitiesAndOffSiteImprovementsConformToNeighborhood']/@_Comme\nnt\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nAre there any adverse site\nconditions or external factors\n(easements, encroachments,\nenvironmental conditions, land\nuses, etc.)? Yes\nAre there any adverse site\nconditions or external factors\n(easements, encroachments,\nenvironmental conditions, land\nuses, etc.)? No\nAre there any adverse site\nconditions or external factors\n(easements, encroachments,\nenvironmental conditions, land\nuses, etc.)? If Yes, describe\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n"} diff --git a/chunks/json/d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746.json b/chunks/json/d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746.json new file mode 100644 index 0000000000000000000000000000000000000000..01afa241ba2c13b3afdc2d754e60fa968eae1795 --- /dev/null +++ b/chunks/json/d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30773,"char_start":29156,"chunk_id":"chk_bf2b4a5877508c79","chunk_index":23,"chunk_sha256":"d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Whether borrowers request joint credit or not, each asset/liability/expense should be associated with each\napplicable borrower using ArcRoles. DU requires each asset/liability/expense be associated with at least\nONE borrower:\n\nASSET_ IsAssociatedWith_ROLE\nLIABILITY_IsAssociatedWith_ROLE\nEXPENSE_IsAssociatedWith_ROLE\n\nAn example of RELATIONSHIPS structure in the XML\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n12\n\nHow to request a joint or individual credit report\n\nIn the DU Spec a new ArcRole was added to identify borrower pairs who share a joint credit report. This\nmeans that the Loan Application Submission file must include the correct labels to instruct DU which\nborrower pairs share joint credit (see sample below) in addition to which borrower(s) are associated to\neach asset, liability and expense. When borrowers do not share joint credit or only one borrower applies\nfor the loan, the new ArcRole “SharesJointCreditReportWith” is not needed. Moreover, a borrower can\nonly have one ArcRole stating with whom they share joint credit.\n\nThe following provides a visual representation and the expected ArcRole usage in the Loan Application\nSubmission file and the related XIS Control Input (CI). To avoid errors, it is important that the XIS\nCREDIT_INFORMATION element, which is part of the CI, and the new ArcRole\n“SharesJointCreditReportWith” are consistent.\n\nScenario: Three Borrowers, two that have joint credit and one that has individual credit information\napply for a loan and submit to DU.\n\nThe three borrowers with unique xlink:label values:\n\nDU Spec Implementation Guide\n"} diff --git a/chunks/json/d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f.json b/chunks/json/d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f.json new file mode 100644 index 0000000000000000000000000000000000000000..57023319ebe052c805cc3a589eb1de8e1ed4c3be --- /dev/null +++ b/chunks/json/d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58388,"char_start":57432,"chunk_id":"chk_72fa8cd7d97fd56a","chunk_index":60,"chunk_sha256":"d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f","token_estimate":610,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:8)(cid:24)\n(cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:9)(cid:24)\n\n(cid:4)(cid:26)(cid:26)(cid:27)(cid:13)(cid:21)(cid:28)(cid:17)(cid:27)(cid:32)(cid:10)(cid:17)(cid:18)(cid:17)(cid:27)(cid:17)(cid:24)(cid:15)(cid:17)(cid:32)(cid:8)(cid:6)(cid:32) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:10)(cid:24)\n(cid:4)(cid:19)(cid:17)(cid:24)(cid:15)(cid:31)(cid:32)(cid:5)(cid:13)(cid:28)(cid:17)(cid:32)(cid:7)(cid:21)(cid:22)(cid:17)(cid:32)(cid:21)(cid:18)(cid:24) (cid:20)(cid:19)(cid:2)(cid:3)(cid:3)(cid:12)(cid:24)\n(cid:5)(cid:22)(cid:21)(cid:17)(cid:24)(cid:29)(cid:32)(cid:10)(cid:17)(cid:18)(cid:17)(cid:27)(cid:17)(cid:24)(cid:15)(cid:17)(cid:32)(cid:8)(cid:6)(cid:32) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:13)(cid:24)\n(cid:4)(cid:9)(cid:5)(cid:32)(cid:10)(cid:17)(cid:18)(cid:17)(cid:27)(cid:17)(cid:24)(cid:15)(cid:17)(cid:32)(cid:21)(cid:18)(cid:24) (cid:20)(cid:19)(cid:1)(cid:17)(cid:22)(cid:16)(cid:24)\n"} diff --git a/chunks/json/d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b.json b/chunks/json/d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b.json new file mode 100644 index 0000000000000000000000000000000000000000..62800b6a07dc66b6991a2dc1c147bb11cf0ae00f --- /dev/null +++ b/chunks/json/d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25119,"char_start":23956,"chunk_id":"chk_230cee5ae044b7d6","chunk_index":17,"chunk_sha256":"d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b","token_estimate":456,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"7.5.1 to Payee Type & Name\n\n7.5.2 $\n\n7.4.1 $\n\n7.5.3 $\n\n7.5.6 $\n\n7.6 C. Services Borrower Did Shop For\n7.7 Fee Item\n\n7.7.1 to Payee Type & Name\n\n7.7.2 $\n\n7.6.1 $\n\n7.7.3 $\n\n7.7.6 $\n\n7.8 D. TOTAL LOAN COSTS (Borrower-Paid)\n7.9 Loan Costs Subtotals (A + B + C)\n\n7.9.2 $\n\n7.8.1 $\n\n7.9.3 $\n\nOther Costs\n8.1 E. Taxes and Other Government Fees\n8.2 Recording Fees\n8.3 Transfer Tax\n\n8.0\n\n8.2 Deed: 8.2.1 $ 8.2 Mortgage 8.2.1 $\n8.3.1 to Jurisdiction Name\n\n8.4 F. Prepaids\n8.5 Homeowner’s Insurance Premium 8.5.1 (n mo.) to Payee Type & Name\n8.6.1 (n mo.) to Payee Type & Name\n8.6 Mortgage Insurance Premium\n8.7.1 ($ per day from Date to Date)\n8.7 Prepaid Interest\n8.8.1 (n mo.) to Payee Type & Name\n8.8 Property Taxes\n8.9.1 (n mo.) to Payee Type & Name\n8.9 Prepaid Item\n\n8.2.2 $\n8.3.2 $\n\n8.5.2 $\n8.6.2 $\n8.7.2 $\n8.8.2 $\n8.9.2 $\n\n8.10 G. Initial Escrow Payment at Closing\n8.11 Homeowner’s Insurance 8.11.1 ($ per month for n mo.) to Payee Type 8.11.2 $\n8.12.1 ($ per month for n mo.) to Payee Type 8.12.2 $\n8.12 Mortgage Insurance\n8.13.1 ($ per month for n mo.) to Payee Type 8.13.2 $\n8.13 Property Taxes\n8.14.1 ($ per month for n mo.) to Payee Type 8.14.2 $\n8.14 Escrow Item\n"} diff --git a/chunks/json/d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3.json b/chunks/json/d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3.json new file mode 100644 index 0000000000000000000000000000000000000000..f72819c3e7f9f79814040920c20b899c073c18e1 --- /dev/null +++ b/chunks/json/d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12313,"char_start":10661,"chunk_id":"chk_ab31573b3b1bc12e","chunk_index":6,"chunk_sha256":"d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ff99c905ab4011ea","text_sha256":"d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3","token_estimate":495,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHLBank_System_at_100__Focusing_on_the_Future_Repo_g0due.md"]},"text":"In this report, FHFA presents the actions that it plans to pursue in service of this vision. This report categorizes these actions under four broad themes. The themes are:\n\n- Mission of the FHLBank System\n - Stable and reliable source of liquidity\n - Housing and community development\n - FHLBank System operational efficiency, structure, and governance\n\nAttachment(s):\n [FHLBank System at 100: Focusing on the Future Report](/AboutUs/Reports/ReportDocuments/FHLBank-System-at-100-Report.pdf)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412.json b/chunks/json/d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412.json new file mode 100644 index 0000000000000000000000000000000000000000..a486f46c291113c93e88078b2e3f11fd93b598fd --- /dev/null +++ b/chunks/json/d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412.json @@ -0,0 +1 @@ +{"chunk":{"char_end":754634,"char_start":752818,"chunk_id":"chk_d5860f4304febb4c","chunk_index":447,"chunk_sha256":"d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412","token_estimate":454,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If no sanitary sewer service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the sanitary sewer service if present and not public. If no\nsanitary sewer service is present, enter 'None' in the description field..\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the street type. The value 'None' should be indicated if none\nis present.\n\nIf field 1-106 (Site Utility Non Public\nIndicator) is indicated, this field is required.\nIf no utilities are present 'None' must be\npopulated.\n\nIf utilities are present, at least one of fields 1-\n108, 1-109 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-110 (Site\nUtility Non Public Description).\n\nIf utilities are present, at least one of fields 1-\n108, 1-109 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-110 (Site\nUtility Non Public Description).\n\nIf field 1-109 (Site Utility Non Public\nIndicator) is indicated, this field is required.\nIf no utilities are present 'None' must be\npopulated.\n\nIf utilities are present, at least one of fields 1-\n111, 1-112 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-113 (Site\nUtility Non Public Description).\n\nIf utilities are present, at least one of fields 1-\n111, 1-112 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-113 (Site\nUtility Non Public Description).\n"} diff --git a/chunks/json/d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12.json b/chunks/json/d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12.json new file mode 100644 index 0000000000000000000000000000000000000000..b5f6961f675f3f8bdc38a40fdf7792b163c28a04 --- /dev/null +++ b/chunks/json/d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12.json @@ -0,0 +1 @@ +{"chunk":{"char_end":47936,"char_start":46656,"chunk_id":"chk_f1d701b5b824999c","chunk_index":48,"chunk_sha256":"d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12","token_estimate":416,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\n\nPrior Sales or Transfers 21.000\n21.001\n\nData Source\n\nTransfer Terms\n\nDate\n\nAmount\n\n21.002\n\n21.003\n\n21.004\n\nAnalysis of Prior Sale and Transfer History of Subject Property 21.006\n\nData Source\n\n21.005\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n\n#\n\nTransfer Terms\n\nDate\n\nAmount\n\n21.007\n\n21.008\n\n21.009\n\n21.010\n\nData Source\n\n21.011\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales\n\n21.012\n\nPrior Sale and Transfer History Exhibits\n21.013.1 | 21.013.2\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n"} diff --git a/chunks/json/d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7.json b/chunks/json/d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7.json new file mode 100644 index 0000000000000000000000000000000000000000..ef6895f970e6e1c92f8de3689e575dd7407eca46 --- /dev/null +++ b/chunks/json/d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1880,"char_start":0,"chunk_id":"chk_5da3ae40b48e1772","chunk_index":0,"chunk_sha256":"d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nSample Scenario PDFs (Combined)\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction\nof the Federal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nOverview\n\nThis document combines the UAD 3.6 sample scenario appraisal PDFs (originally published in 2023 and\n2024) into a single document for ease of access. These are the same scenarios that are included in the\nzip files on the GSE websites:\n\n• Appendix D-1: URAR Sample Scenarios and XML Files\n• Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File\n• Appendix D-3: Completion Report Sample Scenarios and XML Files\n\nNote: Reference the Scenario Matrix within each zip file for a summary of the scenarios, including key\ncharacteristics and changes since the last published version.\n\n2- to 4-Unit Scenario\n\nIntroduction\n\nThis report is for a two unit home that fronts to a collector road with high density traffic. The subject\nfalls within USGS Lava Flow Zone 2, a hazard zone, with adverse impact due to volcanic activity.\n\nThe subject property has two detached dwellings with one unit in each dwelling, each unit consisting of\n864 sq. ft. The units have matching layouts and contain two bedrooms, one bathroom, a kitchen, living\nroom, and dining area. Both units have typical wear and tear throughout that does not affect the\nlivability of either unit. Rust is noted on each unit’s metal roof; however, neither roof has ruptures or\nleaks due to the deterioration. The subject has newer impact-resistant glass to protect from potential\nwind damage. One of the units has access to a carport and the other unit has access to a driveway. Each\nunit has its own outdoor shower.\n"} diff --git a/chunks/json/d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109.json b/chunks/json/d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109.json new file mode 100644 index 0000000000000000000000000000000000000000..b2e04c7bf301004a9ba9a6a4f1aa93dc75e122d6 --- /dev/null +++ b/chunks/json/d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46702,"char_start":44536,"chunk_id":"chk_6c68e43670a84c28","chunk_index":27,"chunk_sha256":"d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109","token_estimate":542,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 25 of 29\nPage 25 of 29\n\nRevision History\n\nRevision Date\n10/07/2019\n\n10/12/2019\n\nURAR Section\nAssignment Information\n\nSite\n\nDescription\nCorrected borrower name\n\nAdded comment in “Description of Zoning Compliance” at client request\n\nSupplemental Information\n\nSupplemental Information Exhibits\n\n[Photo Caption Displays Here]\n\nThis is where the Supplemental Information photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 26 of 29\nPage 26 of 29\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33.json b/chunks/json/d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33.json new file mode 100644 index 0000000000000000000000000000000000000000..b594e46e3b59a7bfc399fd298cb63202cdc1ac51 --- /dev/null +++ b/chunks/json/d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19859,"char_start":17257,"chunk_id":"chk_1fbf51c09a464771","chunk_index":10,"chunk_sha256":"d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/731\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1.json b/chunks/json/d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1.json new file mode 100644 index 0000000000000000000000000000000000000000..1ac2a6543479f93f4304ad1ecfc16de7ba2cd4d2 --- /dev/null +++ b/chunks/json/d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1035520,"char_start":1033912,"chunk_id":"chk_92dd0b9cf2feaba2","chunk_index":617,"chunk_sha256":"d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@Property\nNeighborhoodLocationType='Suburban']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@Property\nNeighborhoodLocationType='Rural']\n\n8\n\n8\n\n8\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Builtup\nRangeType='Over75Percent']\n\n14\n\nEnumerated\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Builtup\nRangeType='25To75Percent']\n\n14\n\nEnumerated\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Builtup\nRangeType='Under25Percent']\n\n14\n\nEnumerated\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Growth\nPaceType='Rapid']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Growth\nPaceType='Stable']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Growth\nPaceType='Slow']\n\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nDemand Supply\nType\nNeighborhood\nDemand Supply\nType\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Property\nValueTrendType='Increasing']\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Property\nValueTrendType='Stable']\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Property\nValueTrendType='Declining']\n\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Demand\nSupplyType='Shortage']\n"} diff --git a/chunks/json/d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175.json b/chunks/json/d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175.json new file mode 100644 index 0000000000000000000000000000000000000000..71b84aa292d23743f3b76178eef5781754f1cdeb --- /dev/null +++ b/chunks/json/d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175.json @@ -0,0 +1 @@ +{"chunk":{"char_end":728853,"char_start":727231,"chunk_id":"chk_2a971a4ea7b99a30","chunk_index":434,"chunk_sha256":"d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Traditional Appraisal or Exterior Appraisal, Effective Date of Appraisal is\nthe date of inspection.\nHybrid Appraisal or Desktop Appraisal, Effective Date of Appraisal is the\ndate the appraiser develops the opinion of value.\n\n•\n\n26.012\n\nFHA REO\nInsurability Level\n\nRequired for FHA\nappraisals when\nAssignment Reason is\nREO\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nInsurable\nInsurable With Repair Escrow\nUninsurable\n\n•\n•\n•\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nClient Requested Conditions\n\nThe Client Requested Conditions subsection displays when Additional Client Requested Conditions is Yes.\nExamples of when this subsection could be used include:\n• REO (see Examples: Client Requested Conditions)\n• Quick sale (liquidation) value (see Examples: Client Requested Conditions)\n• Resale restrictions (e.g., affordable housing units)\n•\n\nLoan programs that require a Subject To and As Is value (see Examples: Client Requested Conditions)\n\nThe “When to Include” column in this subchapter references appraisals for which Additional Client Requested\nConditions is Yes.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReconciliation: Client Requested Conditions\n\nAlways required\n\nYes | No\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAdditional Client Requested Conditions\n•\n\nYes (The Client Requested Conditions subsection is included in the\nReconciliation section)\nNo (The Client Requested Conditions subsection is not included in the\nReconciliation section)\n"} diff --git a/chunks/json/d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612.json b/chunks/json/d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612.json new file mode 100644 index 0000000000000000000000000000000000000000..800dc0079008439624c7ef2831f83acdfd718e27 --- /dev/null +++ b/chunks/json/d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612.json @@ -0,0 +1 @@ +{"chunk":{"char_end":447039,"char_start":445441,"chunk_id":"chk_a797330cf33fea47","chunk_index":258,"chunk_sha256":"d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Sales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n6543 Anywhere Pl\nAnywhere, MD 20854\n\n3245 Nowhere Pl\nAnywhere, MD 20854\n\n3214 Somewhere Pl\nAnywhere, MD 20854\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS XXXXX | Assessor Record MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record\n\n$875,000\n\nPending\n\n$866,000\n\nNo\n\n04/10/2019\n\n30\n\nAttached\n\nFee Simple\n\n0.09 Miles N\n\n$875,000\n\nSettled Sale\n\n—\n\n$870,000\n\n$0\n\n$0\n\nNo\n\n04/01/2019\n\n05/01/2019\n\n49\n\nAttached\n\nFee Simple\n\nNo\n\n04/08/2019\n\n05/08/2019\n\n29\n\nAttached\n\nFee Simple\n\n1,765 Sq. Ft.\n\n1,764 Sq. Ft.\n\n$0\n\n1,103 Sq. Ft.\n\n0.12 Miles N\n\n$799,900\n\nSettled Sale\n\n—\n\n$780,000\n\n0.03 Miles SW\n\n$840,000\n\nSettled Sale\n\n—\n\n$835,000\n\n$0\n\n$0\n\n$0\n\n$0\n\nNo\n\n06/09/2019\n\n07/09/2019\n\n52\n\nAttached\n\nFee Simple\n\n2,111 Sq. Ft.\n\nBusy Roadway\n| Park\n\nResidential | Full\nCommercial\n| Partial\n\n$0\n\n$0\n\n$0\n\n$0\n\nSite Influence (Location)\n\nBusy Roadway | Park\n\nBusy Roadway\n| Park\n\nView | Range\n\nResidential | Full\n\nResidential | Full\n\nBusy Roadway\n| Park\n\nResidential | Full\nCommercial\n| Partial\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nDwelling(s)\n\nYear Built\n\n2016\n\n2015\n\n$0\n\n2017\n\n$0\n\nStructure Design\n"} diff --git a/chunks/json/d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07.json b/chunks/json/d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07.json new file mode 100644 index 0000000000000000000000000000000000000000..77db02d858f28c49c25420259b5b22c870cf2890 --- /dev/null +++ b/chunks/json/d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_c17f7817fb4912fb","chunk_index":0,"chunk_sha256":"d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07","date_utc":"2026-01-27T17:54:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cd81d923405799ac","text_sha256":"d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_jup9cc.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/mirs\"\ndate_accessed: \"2026-01-27T17:54:20.626Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996.json b/chunks/json/d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996.json new file mode 100644 index 0000000000000000000000000000000000000000..c3bc562e3517a695bfff3ea11265b3a4dbb72426 --- /dev/null +++ b/chunks/json/d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18138,"char_start":16539,"chunk_id":"chk_0bc71f73b8c35a84","chunk_index":9,"chunk_sha256":"d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 7 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\n.PROPERTY\nProperty Street Address**\n\nProperty City**\n\nProperty State**\n\nProperty Postal Code**\n\nProperty County**\n\nProperty Current Occupancy Type**\n\nProperty Rights Type**\n\nProperty Rights Type Other Description**\n\n.PROPERTY\n.._IDENTIFICATION\nCensus Tract Identifier\n\nMap Reference Identifier\n\n.PROPERTY\n.._IDENTIFICATION\n...PROPERTY_IDENTIFICATION_EXTENSION\n.…PROPERTY_IDENTIFICATION_EXTENSION_SECTION\nExtension Section Organization Name\n…..PROPERTY_IDENTIFICATION_EXTENSION_SECTION_DATA\n……PARCEL_IDENTIFIER\nGSE Assessors Parcel Identifier\n\n.PROPERTY\n.._LEGAL_DESCRIPTION\nProperty Legal Description Type**\n\nProperty Legal Description Type Other Description**\n\nProperty Legal Description Text Description**\n\n.PROPERTY\n..STRUCTURE\nProperty Structure Built Year\n\nBuilding Status Type\n\nStructure Design Description**\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nStructure Heating Cooling Metered Separately Indicator**\n\nStructure Heating Cooling Metered Separately Description**\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n"} diff --git a/chunks/json/d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc.json b/chunks/json/d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc.json new file mode 100644 index 0000000000000000000000000000000000000000..6fafeb4fe7a3566e85d64a5367ece16b2197e449 --- /dev/null +++ b/chunks/json/d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32648,"char_start":31044,"chunk_id":"chk_5bfef5f3b92db4ee","chunk_index":22,"chunk_sha256":"d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"19.0\n\n19.1 NO\n\nAdjustable Payment (AP) Table\nInterest Only Payments?\nOptional Payments?\nStep Payments?\nSeasonal Payments?\nPeriod Principal and Interest Payments\nFirst Change/Amount\nSubsequent Changes\nMaximum Payment\n\n19.4 NO\n\nAdjustable Interest Rate (AIR) Table 20.0\nIndex + Margin\nInitial Interest Rate\nMinimum/Maximum Interest Rate\nChange Frequency\n First Change\n Subsequent Changes\nLimits on Interest Rate Changes\n First Change\n Subsequent Changes\n\n20.6 %\n20.7 %\n\n20.1.1 Index Name + 20.1.2 %\n20.2 %\n20.3.1 % Min / 20.3.2 % Max\n\n20.4 n Month after Note Date\n20.5 n Month after First Change\n\nCLOSING DISCLOSURE\n\nPAGE 4 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Alternate Disclosure\n\nLoan Calculations\n\n21.0\n\nTotal of Payments. Total you will have paid after\nyou make all payments of principal, interest,\nmortgage insurance, and loan costs, as scheduled.\n\n21.1\n\nFinance Charge. The dollar amount the loan will\ncost you.\n\n21.2\n\nAmount Financed. The loan amount available after\npaying your upfront finance charge.\n\n21.3\n\nAnnual Percentage Rate (APR). Your costs over\nthe loan term expressed as a rate. This is not your\ninterest rate.\n\nTotal Interest Percentage (TIP). The total amount\nof interest that you will pay over the loan term as a\npercentage of your loan amount.\n\n21.4\n\n21.5\n\n$\n\n$\n\n$\n\n%\n\n%\n\n?\n\nQuestions? If you have questions about the loan\nterms or costs on this form, use the contact\ninformation below. To get more information\nor make a complaint, contact the Consumer\nFinancial Protection Bureau at\nwww.consumerfinance.gov/mortgage-closing\n\nOther Disclosures\n Appraisal\n\n22.0\n"} diff --git a/chunks/json/d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28.json b/chunks/json/d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28.json new file mode 100644 index 0000000000000000000000000000000000000000..374f5c22b00559a1d9dffae904da70c9a8d8b949 --- /dev/null +++ b/chunks/json/d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1743,"char_start":0,"chunk_id":"chk_5670185962566509","chunk_index":0,"chunk_sha256":"d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9ef2a754f4dccdd6","text_sha256":"d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Collateral_Pledged_to_FHLBanks___U_S__FEDERAL_HOUS_4frbhpp.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/collateral-pledged-to-fhlbanks\"\ndate_accessed: \"2026-01-27T17:54:20.666Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb.json b/chunks/json/d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb.json new file mode 100644 index 0000000000000000000000000000000000000000..83e2056ddae1a64baf705606238e562e2ae530e2 --- /dev/null +++ b/chunks/json/d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":248021,"char_start":246415,"chunk_id":"chk_344999a1f2b0a96d","chunk_index":143,"chunk_sha256":"d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Financial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nThe contract was accepted 8/23/2019; the buyer has deposited a check in the amount of $10,000.\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property A search of local MLS reveal no recent listings or transfers of the subject\nproperty.\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nData Source\nMLS\n\nDate\n10/28/2018\n\nAmount\n$545,000\n\n2\n\n3\n\nNone\n\nNone\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comp #1’s prior transfer indicates an increasing market (to its most recent\nsale price) as documented in the Market section of this report.\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 12 of 18\nPage 12 of 18\n\nNew Pg\n\nSales Comparison Approach\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n700 1st Ave, NW\nUnit 1206\nWashington, DC 20001\n\n700 1st Ave, NW\nUnit 1211\nWashington, DC 20001\n\n700 1st Ave, NW\nUnit 1103\nWashington, DC 20001\n"} diff --git a/chunks/json/d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35.json b/chunks/json/d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35.json new file mode 100644 index 0000000000000000000000000000000000000000..6e788f6f47f17d5c4acca1fa8826b7ded21f8aa1 --- /dev/null +++ b/chunks/json/d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35.json @@ -0,0 +1 @@ +{"chunk":{"char_end":380806,"char_start":379176,"chunk_id":"chk_205711ab6b76af26","chunk_index":225,"chunk_sha256":"d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Common Carport\n\nA covered structure that offers limited vehicular protection with two or fewer walls. It may be free standing or attached to\na structure and is shared and available within the condominium, cooperative, condop, or PUD.\n\nAppendix F-1: URAR Reference Guide\n\nPage 161 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n13 Vehicle Storage\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nVehicle Storage Type\n\nDriveway\n\nGarage\n\nOpen Lot\n\nParking Garage\n\nShared Driveway\n\nOther (Describe)\n\nAn improved surface providing vehicular access.\nNote: Do not select this answer for shared driveways.\n\nAn enclosed structure designed for storing vehicles.\n\nAn open and improved surface area that is specifically designed for vehicle storage for use within the condominium,\ncooperative, condop, or PUD.\n\nAn enclosed area for storing vehicles that is intended to support multiple units for use within the condominium,\ncooperative, condop, or PUD.\n\nAn improved surface providing vehicular access, jointly owned by the owners of the properties to which it gives access.\n\nSelect Other to enter an answer that is not in the above list.\nExamples:\n•\n•\n\nPermitted street parking from the municipality, but not specific to unit.\nEnclosed golf cart or motorcycle parking.\n\nInformation For Each Vehicle Storage Type\n\nThe Vehicle Storage table displays when there is vehicle storage on the property.\n\nVehicle Storage – Information for each Vehicle Storage Type\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n13.002 Number of\n\nParking Spaces\n\n13.002 Number of\n\nParking Spaces\n\nRequired if Vehicle\nStorage Type is\nDriveway or Shared\nDriveway\n"} diff --git a/chunks/json/d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c.json b/chunks/json/d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c.json new file mode 100644 index 0000000000000000000000000000000000000000..8bbb0930366a9d3e150b9e832b24d893b3dc4bf6 --- /dev/null +++ b/chunks/json/d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26979,"char_start":24724,"chunk_id":"chk_622dfc1068b35ddd","chunk_index":11,"chunk_sha256":"d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c","token_estimate":562,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"[### Appendix F-3: Completion Report Reference Guide\n\nThis document provides guidance on how to enter information and how the data will be displayed in the Completion Report.](/docs/pdf/appendix-f-3-completion-report-reference-guide.pdf)\n\n[### Appendix H-3: UAD Compliance Rules - Completion Report\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-3-uad-compliance-rules-completion-report.xlsx)\n\n## Legacy Resources\n\n- [Legacy UAD Overview](/docs/pdf/fact-sheet/uniform_appraisal_dataset_879.pdf)\n - [Legacy UAD Specification](/docs/pdf/requirements/uad_specification.pdf)\n - [Legacy UAD Appendix A: GSE Appraisal Forms Mapping](/docs/pdf/requirements/uad_appendix_a_gse_appraisal_forms_mapping.pdf)\n - [Legacy UAD Appendix B: GSE Appraisal Forms Mapping](/docs/xls/fact-sheet/uad_appendix_b_gse_appraisal_forms_mapping.xls)\n - [Legacy UAD Appendix C: Appraisal Forms with Numbered Fields](/docs/zip/forms/uad_appendix_c_appraisal_forms_with_numbered_fields.zip)\n - [Legacy UAD Appendix D: Field-Specific Standardization Requirements](/docs/pdf/requirements/uad_appendix_d_field_specific_standardization_requirements.pdf)\n - [Legacy UAD Compliance Rules](/docs/xls/requirements/uadcompliancerules.xls)\n\n## Recent Announcements\n\n### 2026\n\n- January 22, 2026 – [Joint GSE Announcement](/docs/pdf/announcement_uad_january-2026.pdf)\n### 2025\n\n- October 21, 2025 – [Joint GSE Announcement](/docs/pdf/joint-gse-announcement-inspection-and-reporting-tips.pdf)\n- September 16, 2025 – [Joint GSE Announcement](/docs/pdf/urarupdatecompletionrulesannouncement.pdf)\n- September 8, 2025 – [Joint GSE Announcement](/docs/pdf/lpplaunch_sept-2025-announcement.pdf)\n- August 5, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-lpp.pdf)\n- June 10, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-06-10-25.pdf)\n- April 30, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-04-30-25.pdf)\n- February 11, 2025 – [Joint GSE Announcement](https://sf.freddiemac.com/docs/pdf/lppannouncement_02_2025.pdf)\n### 2024\n"} diff --git a/chunks/json/d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6.json b/chunks/json/d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6.json new file mode 100644 index 0000000000000000000000000000000000000000..ff0c161bc37df059ca2210c6a9c7bad46b5dda9f --- /dev/null +++ b/chunks/json/d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13632,"char_start":13114,"chunk_id":"chk_6bf523bdd95e36a9","chunk_index":8,"chunk_sha256":"d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6","token_estimate":130,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf","below_target_min_tokens"]},"text":"▪ No changes should be required to adopt these\n\nupdates as they have already been implemented.\n\nAdditional\nInformation\n\n▪ UCD v2.0 Tab 7 -\nUCD v2.0, Critical\nEdits Matrix Phase\ncolumn N.\n\n▪ UCD v2.0 Tab 4b-\nRevision Log v1.5-\nv2.0\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n9\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n"} diff --git a/chunks/json/d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331.json b/chunks/json/d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331.json new file mode 100644 index 0000000000000000000000000000000000000000..48d29940ffe5bc05466ad6675f347e4d2f7364a1 --- /dev/null +++ b/chunks/json/d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26953,"char_start":26342,"chunk_id":"chk_daa390fb11b3143a","chunk_index":42,"chunk_sha256":"d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331","token_estimate":481,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Project Information ....................................................................................................................................... 55\n\nCooperative Information (H1) ............................................................................................................................ 55\n\nProject Factors and Impact to Value/Marketability (H1) ................................................................................... 56\n\nProject Information Commentary (H1) ............................................................................................................... 57\n"} diff --git a/chunks/json/d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5.json b/chunks/json/d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5.json new file mode 100644 index 0000000000000000000000000000000000000000..60fc69ea92e22e8d48385d5f9c45603f408c51d1 --- /dev/null +++ b/chunks/json/d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_fb8f837fe1e9a8e2","chunk_index":0,"chunk_sha256":"d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05d183e5699441f8","text_sha256":"d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uad-limited-production-readiness-overview.pdf"]},"text":"Limited Production Readiness Overview for Lenders\n\nAugust 5, 2025\n\nThis overview and the Uniform Appraisal Dataset (UAD) 3.6 Lender Readiness Questionnaire (the Questionnaire)\nare designed to help lenders prepare for and successfully navigate the Limited Production Period of the UAD 3.6\nand Forms Redesign initiative. Below are answers to commonly asked questions about the UAD 3.6 Limited\nProduction Period, including how to assess readiness, request participation, and obtain participation approval.\n\nOverview\n\nWhat is the Limited Production Period?\n\nThe Limited Production Period is not “testing”. It’s a chance for you to be one of the first lenders to use the new\nUAD 3.6 and redesigned Uniform Residential Appraisal Report (URAR) in the production environment with your\nvendors and appraisers – prior to its broad industry availability. This means you’ll experience the advantages of the\nnew UAD 3.6 and redesigned URAR before other lenders and will provide critical feedback to Freddie Mac and\nFannie Mae (the GSEs) ahead of the Broad Production Period.\n\nWhat are the benefits of participating in the Limited Production Period?\n\nAs a participant in the Limited Production Period, you can take advantage of the following UAD 3.6 benefits before\nothers in the industry:\n\n• One URAR and one UAD for all Single-Family property types – take advantage of the redesigned URAR\n\nand expanded scope of UAD 3.6 which encompasses all property types.\n\n• Minimize review times and increase productivity – the new UAD and redesigned URAR facilitates a\n\nmore efficient review. By participating in the Limited Production Period, your staff will become familiar with\nthe new UAD 3.6 and redesigned URAR, and you’ll reap the benefits sooner.\n"} diff --git a/chunks/json/d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378.json b/chunks/json/d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378.json new file mode 100644 index 0000000000000000000000000000000000000000..eab322fead82c70b12f8d832a382de07b7f41c29 --- /dev/null +++ b/chunks/json/d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25518,"char_start":23840,"chunk_id":"chk_50b1b89c9e81fb0e","chunk_index":7,"chunk_sha256":"d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md"]},"text":"[Learn more **](/originating-underwriting/mortgage-products/homestyle-renovation)\n\n##### MH Advantage\n\nSee how our innovative offerings, including MH Advantage®, can support affordable alternatives to site-built homes.\n\n[Learn more **](/originating-underwriting/mortgage-products/manufactured-home-financing)\n\n##### HomeStyle Refresh\n\nWhether purchasing a home or refinancing their current one, help your borrowers finance upgrades to improve the comfort and safety of their homes with a HomeStyle® Refresh mortgage.\n\n[Learn more **](/originating-underwriting/mortgage-products/homestyle-refresh-mortgage)\n\n### Featured Applications\n\n##### Desktop Underwriter\n\nDesktop Underwriter® (DU®) – the industry-leading underwriting system – helps lenders efficiently complete credit risk assessments to establish a home loan’s eligibility for sale and delivery to Fannie Mae.\n\n[Learn More **](/applications-technology/desktop-underwriter-desktop-originator)\n\n##### Servicing Marketplace\n\nServicing Marketplace, available in Pricing & Execution – Whole Loan®, brings together lenders and servicing buyers to increase transparency and operational efficiency.\n\n[Learn More **](/applications-technology/servicing-marketplace)\n\n##### Fannie Mae Connect\n\nFannie Mae Connect™ is a source for data, reporting and analytics, providing lenders full visibility into their business transactions with Fannie Mae.\n\n[Learn More **](/applications-technology/fannie-mae-connect)\n\n## In the fast-paced mortgage industry, staying competitive means seizing every opportunity.\n\nWe continue to invest in our technology solutions and process automation to keep your business moving forward.\n"} diff --git a/chunks/json/d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361.json b/chunks/json/d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361.json new file mode 100644 index 0000000000000000000000000000000000000000..f7287a0fb733db59c0b27947729b869428bb3c79 --- /dev/null +++ b/chunks/json/d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361.json @@ -0,0 +1 @@ +{"chunk":{"char_end":137577,"char_start":135771,"chunk_id":"chk_36ccdc7dfd661547","chunk_index":77,"chunk_sha256":"d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Each Fannie Mae appraisal report includes an appraiser’s certification (and, if applicable, a supervisory appraiser’s certification)\nand a statement of assumptions and limiting conditions. Appraisers may not add limiting conditions.\nThe appraiser may not make changes or deletions to the existing certifications; however, the appraiser may supplement or make\nadditional certifications. Acceptable additional certifications might include:\n\n•\n•\n•\n\nthose required by state law;\nthose related to the appraiser’s continuing education or membership in an appraisal organization; or\nthose related to the appraiser’s compliance with privacy laws and regulations in the development, reporting, and storage\nof an appraisal and the information on which it is based.\n\nLenders are responsible for reviewing any additional certifications made by appraisers to ensure that they do not conflict with\nFannie Mae’s policies or standard certifications in the appraisal report.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 58 of 166\n\nUAD 3.6 Policy\n\nSB4-1.2-02, Desktop Appraisals (12/10/2025)\n\nIntroduction\n\nThis topic contains information on desktop appraisals, including:\n\n• Overview\n• Completing the Desktop Appraisal\n•\n•\n• Representations and Warranties\n\nEligible Transactions\nIneligible Transactions\n\nOverview\n\nFor certain loan casefiles, DU offers desktop appraisals. A desktop appraisal reported on the Uniform Residential Appraisal Report\nis permitted for certain transactions. The minimum scope of work for a desktop appraisal includes using third party data sources,\nother than a property data collection, in lieu of an appraiser performing an on-site personal inspection. The appraiser relies on\ndata obtained from alternative methods or sources to identify property characteristics, including condition.\n"} diff --git a/chunks/json/d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b.json b/chunks/json/d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b.json new file mode 100644 index 0000000000000000000000000000000000000000..be19c6e39b1c469366dad01e88806abccddaf21b --- /dev/null +++ b/chunks/json/d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":434778,"char_start":433043,"chunk_id":"chk_f276ef475e090430","chunk_index":242,"chunk_sha256":"d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The lender also must retain in the loan file a certification regarding the adequacy of the property insurance following completion\nof the renovation. The certification must confirm the coverage has been increased, if necessary, to comply with Fannie Mae’s\nstandard property and flood insurance requirements.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 176 of 166\n\nUAD 3.6 Policy\n\nSB5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties\n(12/10/2025)\n\nIntroduction\n\nThis topic contains information concerning mortgage loans on existing properties where renovation improvements are part\nof the transaction, including:\n\n• Overview\n\n• Product Eligibility\n\n•\n\n•\n\nEligible Property and Occupancy Types\n\nEligible Improvements\n\n• Calculating LTV and Maximum Renovation Amount\n\n•\n\nLender Responsibilities\n\n• Appraisal Requirements\n\n•\n\n•\n\nTitle and Insurance Updates\n\nSpecial Feature Code\n\n• Manual Underwriting\n\n• Uniform Appraisal Dataset (UAD) 3.6 Policy\n\nOverview\n\nHomeStyle Refresh provides borrowers with a financing option for smaller-scale home improvements, including\n\n• energy- or water- efficiency upgrades,\n• environmental remediation,\n• disaster preparedness or resiliency improvement, or\n•\n\nrepairs needed due to a natural or environmental disaster of an existing property.\n\nA lender does not need special approval to deliver HomeStyle Refresh loans to Fannie Mae. These loans are delivered with\nrecourse, which may be removed once the lender provides proof of completion, and the loan remains current.\n\nA lender may deliver a HomeStyle Refresh loan with eligible improvements as soon as the loan is closed. The eligible\nimprovements do not have to be completed when the mortgage is delivered to Fannie Mae.\n"} diff --git a/chunks/json/d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685.json b/chunks/json/d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685.json new file mode 100644 index 0000000000000000000000000000000000000000..554cc04091c34c8bc0ae81cb3e1efb34eaaedb1d --- /dev/null +++ b/chunks/json/d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46818,"char_start":44331,"chunk_id":"chk_eab1786a0baa35f2","chunk_index":26,"chunk_sha256":"d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685","token_estimate":622,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 22 of 22\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. 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 of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec.json b/chunks/json/d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec.json new file mode 100644 index 0000000000000000000000000000000000000000..7c9007e2c8dc30b7ef953d2668bcaea86b0090b4 --- /dev/null +++ b/chunks/json/d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12295,"char_start":10611,"chunk_id":"chk_773e42474e859c04","chunk_index":6,"chunk_sha256":"d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cbe32def6b447b54","text_sha256":"d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_vjasu9.md"]},"text":"August 18, 2021\n\n## [The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single Family Housing Goals](/research/papers/2022-2024-enterprise-single-family-housing-goals)\n\nAuthor: ​​Ken Lam, Omena Ubogu, Jay Schultz, and Padmasini Raman In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA...\n - Briefs, Notes & White Papers\n\nMay 21, 2020\n\n## [FHFA Mortgage Analytics Platform (Version 2.0)](/research/papers/fhfa-mortgage-analytics-platform-version-2)\n\nThis version of the white paper incorporates the following two major updates to the FHFA Mortgage Analytics Platform:\n\nRe-estimated performing loan equations for 30-year fixed rate, 15-year fixed rate, and 5/1 adjustable-rate mortgages. The re-estimated equations incorporated new explanatory...\n - Briefs, Notes & White Papers\n\nJanuary 25, 2018\n\n## [The Size of the Affordable Mortgage Market: 2018-2020 Enterprise Single-Family Housing Goals](/research/papers/2018-2020-enterprise-single-family-housing-goals)\n\nAuthor: ​Ken Lam, Jay Schultz, and Padmasini Raman ​In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. FHFA has recently...\n - Briefs, Notes & White Papers\n\nAugust 19, 2015\n\n## [The Size of the Affordable Mortgage Market: 2015-2017 Enterprise Single-Family Housing Goals](/research/papers/2015-2017-enterprise-single-family-housing-goals)\n"} diff --git a/chunks/json/d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6.json b/chunks/json/d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6.json new file mode 100644 index 0000000000000000000000000000000000000000..191f4617ee8858971aff653c559ec9d924d8f902 --- /dev/null +++ b/chunks/json/d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3867,"char_start":1881,"chunk_id":"chk_44fbda2cdb24114b","chunk_index":1,"chunk_sha256":"d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6","date_utc":"2026-01-27T18:10:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_955175f7aea76563","text_sha256":"d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6","token_estimate":497,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123114.pdf"]},"text":"Page 1 of 5\n\nColumn\n31 SellType\n\n32 NumBor\n33 First\n\n34 CICA\n\n35 BoRace\n\n36 CoRace\n\n37 BoSex\n\n38 CoSex\n\n39 BoAge\n\n40 CoAge\n\n41 Occup\n\n42 NumUnits\n43 Bed1\n\n44 Bed2\n\n45 Bed3\n\n46 Bed4\n\n47 Aff1\n\n48 Aff2\n\nAMA_PUDB_Definitions_123114.xlsx\n\nDefinition\nType of Acquiring Lender Institution\n1=Insured depository institution;\n2=Housing Associate;\n3=Insurance Company\nNumber of Borrowers\nFirst Time Home Buyer\n1=yes;\n2=no\nCode indicating whether the mortgage is on a project funded under an AHP, CIP or other\nCICA program.\n1=AHP;\n2=CIP;\n3=Other CICA\n9=Not Applicable; Not Purchased under AHP, CIP, or CICA\nBorrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application\nCo-borrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application;\n8=No Co-Borrower\nBorrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application\nCo-Borrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application;\n4=No Co-Borrower\nAge of Borrower in years\n99=Not provided by applicant in mail or telephone application\nAge of Co-Borrower in years\n98=No Co-Borrower;\n99=Not provided by applicant in mail or telephone application\nOccupancy Code\n1=Principal residence/owner-occupied;\n2=second home;\n3=investment property (rental)\nNumber of Units\nUnit1--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit2--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit3--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit4--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit1--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n"} diff --git a/chunks/json/d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad.json b/chunks/json/d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad.json new file mode 100644 index 0000000000000000000000000000000000000000..b98a66524c258de9f909f809549008321a11dd39 --- /dev/null +++ b/chunks/json/d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":245375,"char_start":243717,"chunk_id":"chk_ba4593213736bd69","chunk_index":139,"chunk_sha256":"d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Figure 75. XML Snippet - Example of Data Points Required for ARM Adjusting within First 5 Years.\n\n\n…\n\n \n\n\n\n…\n\n\n\n7.0000\n96\n60\n2.0000\n2.0000\n\n\n\n…\n \n \n \n\n\n\nAdjustableRate\n\n\n\n\n…\n \n\n\n\nGeneral\n \n \n\n10.1310\n\n\n \n\n\n\n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 108 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nP. LATE CHARGES\n\nWhen a loan payment is past due, overdue payment charge data is collected in UCD v2.0 as either a dollar amount or a\npercentage charge of the past due payment amount or both, along with the number of days from the due date after which\na late payment fee will be assessed. The LATE_CHARGE container has been extended to enable more than one late charge\ncalculation type to be provided in the XML file.\n\nTable 51. XML File Container Structure for Late Charge Data.\n"} diff --git a/chunks/json/d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f.json b/chunks/json/d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f.json new file mode 100644 index 0000000000000000000000000000000000000000..2fd275d4e94635cb87f1233205c487493ce4e0da --- /dev/null +++ b/chunks/json/d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":71265,"char_start":69588,"chunk_id":"chk_5f8349c2386aac1b","chunk_index":41,"chunk_sha256":"d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Yes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nLot 2 Block A Bighorn Ranch\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 3 of 26\nPage 3 of 26\n\nSite\n\nTotal Site Size\n\n21,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nWES1932\n\nAPN Description\n Land with Dwelling\n\nParcel Size\n21,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nMF-3\n Residential - Multi Family\ndistrict\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nSite Influence\n\nInfluence\nBusy Roadway\n\nProximity\nBordering\n\nDetail\n\nResidential\n\nBordering\n\nView and Impact to Value/Marketability\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nImpact\nAdverse\n\nNeutral\n\nComment\nProperties such as this in\nthis market area are typically\nlocated on busy roadways.\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\n\nComment\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene) - Site Influence - Busy\nRoadway, Residential - View - Residential\n"} diff --git a/chunks/json/d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94.json b/chunks/json/d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94.json new file mode 100644 index 0000000000000000000000000000000000000000..5b2ab732de898792862a09ca085ead961fc41f63 --- /dev/null +++ b/chunks/json/d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1159040,"char_start":1157373,"chunk_id":"chk_48f40006488c5511","chunk_index":688,"chunk_sha256":"d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"280\n\n281\n\n2\n\n2\n\ne-2\n\n51\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Days On\nMarket Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nVerification Source(s)\n\nData Source\nVerification\nDescription\n\nThe total number of continuous days from\nthe date that a property is listed or\nadvertised for sale through the date that it\nis taken off the market or contracted for\nsale.\nA free-form text field used to describe or\ncomment on methods or other sources\nused to verify the accuracy of the data\nsource referenced in Data Source\nDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEDataSourceDescription\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON DETAIL/@GSEDaysOnMarketDescription\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@Da\ntaSourceVerificationDescription\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n27\n\nString\n\nThe appraisal report must include the data source(s) utilized for each comparable\nsale. When using a MLS as the data source, the MLS organization acronym or\nRepresentation followed by '#' and then the listing identification (numbers and\nletters) must be reported.\n"} diff --git a/chunks/json/d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a.json b/chunks/json/d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a.json new file mode 100644 index 0000000000000000000000000000000000000000..f0b196abcb133a2d9bd809d1fd0b7627fb4cfae7 --- /dev/null +++ b/chunks/json/d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":959,"char_start":0,"chunk_id":"chk_d020df86ba34976e","chunk_index":0,"chunk_sha256":"d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7e79034569ed4b6c","text_sha256":"d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a","token_estimate":240,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-jan-25-2025.pdf"]},"text":"DU for Government Loans Integration Impact Memo\nJanuary 2025 Release\n\nDec. 18, 2024\n\nDuring the weekend of Jan. 25, 2025, Desktop Underwriter® (DU®) for government loans will be updated to support changes\npertaining to FHA and VA loans.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nPlease review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nRelease Support\n\nThe DU for government loans release will be implemented in the DU integration environment on or around Jan. 8, 2025.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae\nrepresentative.\n\n© 2024 Fannie Mae. Trademarks of Fannie Mae.\n\n12.18.24 1 of 1\n"} diff --git a/chunks/json/d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924.json b/chunks/json/d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924.json new file mode 100644 index 0000000000000000000000000000000000000000..d6add5c74896f69ce9edf0d83551f33a01325849 --- /dev/null +++ b/chunks/json/d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32545,"char_start":30930,"chunk_id":"chk_17b90b8d402bc2a3","chunk_index":18,"chunk_sha256":"d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n\n6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal\nreport.\n\n7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in appraising\nthis type of property in this market area.\n\n8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax\nassessment records, public land records, and other such data sources for the area in which the property is located.\n\n9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources\nthat I believe to be true and correct.\n\n10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable\ncondition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the\nsoundness or structural integrity of the property.\n\n11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report\nwas transmitted.\n"} diff --git a/chunks/json/d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993.json b/chunks/json/d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993.json new file mode 100644 index 0000000000000000000000000000000000000000..e9b1b228afc80202371c4d0fc178f22558f17376 --- /dev/null +++ b/chunks/json/d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993.json @@ -0,0 +1 @@ +{"chunk":{"char_end":255052,"char_start":253440,"chunk_id":"chk_7ea6c806b11be4c1","chunk_index":133,"chunk_sha256":"d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"N/A – GSE\n\nUID\n7.087\n\n…/HIGH_COST_MO\nRTGAGE\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nRegulationZExclude\ndBonaFideDiscount\nPointsIndicator\n\nfalse\n\ntrue\n\nRepresented as\nBorrower-Paid\nheading on form\n\nRepresented as At\nClosing heading on\nform\n\nNot Shown –\nATR/QM\n\nAppendix E: UCD Implementation Guide\n\nPage 115 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nNotes\n\nNot Shown –\nATR/QM\n\nNot Shown –\nATR/QM\n\nROF as “Loan\nOriginator\nCompensation”\n\nID\n\nUID\n7.088\n\nTable 95. Origination Charge Line Items\n\nForm Field / Fee\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nN/A - GSE\n\nRegulationZExclude\ndBonaFideDiscount\nPointsPercent\n\nn.nnnn\n\nSECOND INSTANCE OF FEE\n\n7.3.1 N/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider\n\n7.3\n\nLoan Originator\nCompensation\n\nN/A - GSE\n\nUID\n7.080\n\n7.3\n\nN/A - XML\n\n7.3.1\n\nLoan Originator\nCompensation to\nTPO, Ltd.\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/LE\nGAL_ENTITY_DETAI\nL\n\nFeeType\n\nLoanOriginatorCom\npensation\n\n@gse:DisplayLabelT\next\n\nLoan Originator\nCompensation\n\nRegulationZPointsA\nndFeesIndicator\n\nEnter value to\ncomply with Reg Z\n\nNot Shown –\nATR/QM\n\nIntegratedDisclosur\neSectionType\n\nOriginationCharges Not Shown\n\nFullName\n\nTPO, Ltd.\n\n7.3.6 Paid by Others ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n1215.00\n\nROF as “$1,215.00”\n\n7.3.6 Paid by Others\n\nFeePaymentPaidBy\nType\n\nLender\n\n7.3\n\nBorrower\nApplication Fee\n\n7.3\n\nN/A - XML\n\nN/A - GSE\n\nUID\n7.080\n\nTHIRD INSTANCE OF FEE\n\n…/FEE/FEE_DETAIL\n\nFeeType\n\nApplicationFee\n\n@gse:DisplayLabelT\next\n\nBorrower\nApplication Fee\n"} diff --git a/chunks/json/d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5.json b/chunks/json/d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5.json new file mode 100644 index 0000000000000000000000000000000000000000..298ac00e48f307a54d1673d0415f8ddbd720f16a --- /dev/null +++ b/chunks/json/d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64652,"char_start":62520,"chunk_id":"chk_ac40d960326f9465","chunk_index":35,"chunk_sha256":"d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Properties with solar panels and other energy efficient items financed with a PACE loan are not eligible for delivery to Fannie Mae\nif the PACE loan is not paid in full prior to or at closing. For additional information, see Selling Guide B5-3.4-01, Property Assessed\nClean Energy Loans.\n\nLenders are responsible for determining the ownership and any financing structure of the subject property’s solar panels in order\nto properly underwrite the loan and maintain first lien position of the mortgage. When financing is involved, lenders may be able\nto make this determination by evaluating the borrower’s credit report for solar-related debt and by asking the borrower for a\ncopy of all related documentation for the loan. The lender must also review the title report to determine if the related debt is\nreflected in the land records associated with the subject property. If insufficient documentation is available and the ownership\nstatus of the panels is unclear, no value for the panels may be attributed to the property value on the appraisal report unless the\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 29 of 166\n\nUAD 3.6 Policy\nlender obtains a Uniform Commercial Code (UCC) “personal property” search that confirms the solar panels are not claimed as\ncollateral by any non-mortgage lender.\n\nNote: A UCC financing statement that covers personal property and is not intended as a “fixture filing” must be filed in the office\nidentified in the relevant state’s adopted version of the UCC.\n\nLenders are responsible for ensuring the appraiser has accurate information about the ownership structure of the solar panels\nand that the appraisal report appropriately addresses any impact to the property’s value. Separately financed solar panels must\nnot contribute to the value of the property unless the related documents indicate the panels cannot be repossessed in the event\nof default on the associated financing. Any contributory value for owned or financed solar panels must comply with Energy\nEfficiency Improvements in SB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report.\n"} diff --git a/chunks/json/d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c.json b/chunks/json/d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c.json new file mode 100644 index 0000000000000000000000000000000000000000..0b51bf89060eb2fb655609c80ae842eab33ec28b --- /dev/null +++ b/chunks/json/d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5970,"char_start":3866,"chunk_id":"chk_bc82b73b39e94439","chunk_index":2,"chunk_sha256":"d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c","token_estimate":526,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"- Added \"Transmit\" subject and comparable latitude and longitude mappings to the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 520-3\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortID 541-4\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortID 536-9\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 502-5\n-Updated UAD Consolidated Schema Matrix to add Latitude/Longitude\n\n- Updated Implementation Notes for Design (Style) in the Sales Comparison Approach to the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 261, 320\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 350, 418\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 348, 416\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 245, 304\n\n- Updated Implementation Notes for Garage/Carport in the Sales Comparison Approach to the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 280, 351\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 369, 449\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 367, 447\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 264, 335\n\nFebruary 18, 2011\n\n1.1\n\nAugust 11, 2011\n\n1.2\n\nApril 16, 2013\n\n1.3\n\nNovember 5, 2013\n\n1.4\n\nNovember 5, 2013\n\n1.4\n\nRevision History\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 2 of 211\n\nDocument Version 1.4\n\nThis document addresses the Uniform Appraisal Dataset (UAD) and is one in a series of documents related to the UAD Specification developed by Fannie Mae and Freddie Mac (the GSEs). Appendix A: GSE\nAppraisal Forms Mapping (PDF version) illustrates how the appraisal data is supported within the corresponding appraisal eXtensible Markup Language (XML) file by providing field-level data mapping instructions for the following four\nGSE appraisal forms:\n• Fannie Mae 1004/ Freddie Mac 70, Fannie Mae 1004 Hybrid/Freddie Mac 70H, Fannie Mae 1004 Desktop/Freddie Mac 70D\n• Fannie Mae 2055/ Freddie Mac 2055\n• Fannie Mae 1073/ Freddie Mac 465, Fannie Mae 1073 Hybrid/ Freddie Mac 465H, Fannie Mae 1073 Desktop/ Freddie Mac 465D\n• Fannie Mae 1075/ Freddie Mac 466\n"} diff --git a/chunks/json/d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2.json b/chunks/json/d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2.json new file mode 100644 index 0000000000000000000000000000000000000000..90a7dbbd5316e58b59307d0d0ed7a43b0bb9cb81 --- /dev/null +++ b/chunks/json/d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1733,"char_start":0,"chunk_id":"chk_573ea6631e9997be","chunk_index":0,"chunk_sha256":"d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_53cdb7ce3f149cb3","text_sha256":"d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Search_or_Browse_Mortgage_Documents___FHFA_51hhk4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/search\"\ndate_accessed: \"2026-01-27T17:48:04.091Z\"\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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2.json b/chunks/json/d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2.json new file mode 100644 index 0000000000000000000000000000000000000000..621e86df617879923c5252ec1d5f1656e62de297 --- /dev/null +++ b/chunks/json/d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":653369,"char_start":651990,"chunk_id":"chk_81fa0f0c1bbf1e4a","chunk_index":386,"chunk_sha256":"d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The sum of this field 3-111 and fields\n(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-\n72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84,\n3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-\n99, 3-101, 3-103, 3-105, 3-107, 3-109)\nmust add up to Net Adjustment field 3-\n116.\n\nShould be populated if there is an\nindicated value in field 3-122.\n\nEither field 3-127 (Valuation\nReconciliation Condition of Appraisal\nType = 'AsIs'), or at least one of fields 3-\n128, 3-129 , 3-130 (other values of\nValuation Reconciliation Condition of\nAppraisal Type) must be indicated. If\nfield 3-127 is indicated, then none of\nfields 3-128, 3-129 , 3-130 may be\nindicated.\n\nEither field 3-127 (Valuation\nReconciliation Condition of Appraisal\nType = 'AsIs'), or at least one of fields 3-\n128, 3-129 , 3-130 (other values of\nValuation Reconciliation Condition of\nAppraisal Type) must be indicated. If\nfield 3-127 is indicated, then none of\nfields 3-128, 3-129 , 3-130 may be\nindicated.\n\nEither field 3-127 (Valuation\nReconciliation Condition of Appraisal\nType = 'AsIs'), or at least one of fields 3-\n128, 3-129 , 3-130 (other values of\nValuation Reconciliation Condition of\nAppraisal Type) must be indicated. If\nfield 3-127 is indicated, then none of\nfields 3-128, 3-129 , 3-130 may be\nindicated.\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n"} diff --git a/chunks/json/d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041.json b/chunks/json/d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041.json new file mode 100644 index 0000000000000000000000000000000000000000..8c4ae60e535d0bc3cfc230ee62065be288f15b3f --- /dev/null +++ b/chunks/json/d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041.json @@ -0,0 +1 @@ +{"chunk":{"char_end":302858,"char_start":300878,"chunk_id":"chk_db6ba545d1adc018","chunk_index":175,"chunk_sha256":"d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041","token_estimate":495,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 21 of 30\nPage 21 of 30\n\nSales Comparison Approach (continued)\n\nReconciliation of Sales Comparison Approach\n\nThe three sales provided were the most comparable manufactured home sales in the market. There were limited sales of manufactured\nhomes on acreage with water frontage and other amenities. Comparable #1’s lot is on the lake, whereas the subject’s water frontage is a\nnon-contiguous parcel that is included, while the comparable has no water front features the result is a negative adjustment. The outbuilding\nadjustment for comparable sale #1’s shop vs the subject’s detached garages was based on the subject’s finished space only as the garage/\ncar storage was captured in vehicle storage. Comparable #2 was superior in terms of quality upgrades and an adjustment was warranted\neven though the Q rating was the same as the subject. Comparable #2 is located in a water front project with site values that exceed those in\nthe subject project. The value differences are due to more level topography and boat motor size restrictions that reduce noise and damage\nassociated with motor wakes. Comparable #3 is less impactful due to it being a short sale. Comparable #3 has a small portion of its lot within\nthe river floodplain. There is no impact to improvements or usability of the lot therefore no adjustment is warranted. The appraiser made\nmarket based adjustments to each of the sales for their differences. Adjustments were determined through qualitative analysis, considering\ncontributory values and competitive differences, matched paired analysis, and interviews with local real estate agents. The value was\nreconciled between the adjusted prices of the comparable sales #1 and #2 as they were given the most weight with additional support from\ncomparable sale #3.\n"} diff --git a/chunks/json/d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8.json b/chunks/json/d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8.json new file mode 100644 index 0000000000000000000000000000000000000000..277c197c08dbf6aaf9f3530a6e3acb319fdb52fb --- /dev/null +++ b/chunks/json/d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":820657,"char_start":818980,"chunk_id":"chk_1e2bae58e2f4a273","chunk_index":487,"chunk_sha256":"d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nSource(s) Used for Physical\nCharacteristics of Property\nAppraisal Files\nSource(s) Used for Physical\nCharacteristics of Property\nMLS\nSource(s) Used for Physical\nCharacteristics of Property\nAssessment and Tax Records\nSource(s) Used for Physical\nCharacteristics of Property\nPrior Inspection\nSource(s) Used for Physical\nCharacteristics of Property\nProperty Owner\nSource(s) Used for Physical\nCharacteristics of Property\nOther\nSource(s) Used for Physical\nCharacteristics of Property\nOther (describe)\n\nData Source(s) for Gross Living Area\n\nFloor #\n\n# of Levels\n\nHeating Type\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nData Source Type\n\nData Source Type\n\nData Source Type\n\nData Source Type\n\nData Source Type\n\nData Source Type\n\nData Source Type\nOther Description\n\nGross Living Area\nSquare Feet Data\nSource Description\n\nFloor Identifier\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Sewer' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Cable' and @_IncludedInAssessmentIndicator='Y']\n"} diff --git a/chunks/json/d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92.json b/chunks/json/d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92.json new file mode 100644 index 0000000000000000000000000000000000000000..21bbe94fe68510b34300d3468810eb92d84588cf --- /dev/null +++ b/chunks/json/d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10376,"char_start":8575,"chunk_id":"chk_2e2de17f48a57576","chunk_index":5,"chunk_sha256":"d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92","token_estimate":446,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.md"]},"text":"- [News Releases](/news/news-release)\n - [Speeches](/news/speech)\n - [Statements](/news/statement)\n - [Testimonies](/news/testimony)\n - [Fact Sheets](/news/fact-sheet)\n\n#### Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n- Testimony\n\nJuly 20, 2022\n\n## [Statement of Sandra L. Thompson, FHFA Director, Before the House Committee on Financial Services](/news/testimony/statement-of-sandra-l.-thompson-fhfa-director-before-the-house-committee-on-financial-services)\n\nWritten Testimony Sandra L. Thompson, Director​ Federal Housing Finance Agency ​House Committee on Financial Services “Housing in America: Oversight of the Federal Housing Finance Agency\" Wednesday, July 20, 2022 Chairwoman Waters, Ranking Member McHenry, and distinguished members of the Committee...\n - Testimony\n\nJanuary 13, 2022\n\n## [Statement of Sandra L. Thompson, FHFA Acting Director, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-sandra-l.-thompson-fhfa-acting-director-before-the-u.s.-senate-committee-on-banking)\n\n​​Testimony of Sandra L. Thompson Nominee to be the Director of the Federal Housing Finance Agency Before the Committee on Banking, Housing, and Urban Affairs United States Senate January 13, 2022 ​Chairman Brown, Ranking Member Toomey, and members of the Committee. I first want to thank President...\n - Testimony\n\nApril 15, 2021\n\n## [Written Testimony of Daniel E. Coates, Senior Associate Director, FHFA Before House Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets](/news/testimony/written-testimony-of-daniel-e.-coates-senior-associate-director-fhfa-before-house-financial-services)\n"} diff --git a/chunks/json/d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4.json b/chunks/json/d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4.json new file mode 100644 index 0000000000000000000000000000000000000000..5c10f9a5a6e081e67a5f5988fa5476654c30b55d --- /dev/null +++ b/chunks/json/d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":43134,"char_start":42481,"chunk_id":"chk_cdc6d729b724c49f","chunk_index":70,"chunk_sha256":"d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4","token_estimate":553,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Certifications ....................................................................................................................................................... 89\n\nAppraiser Certifications (H1) .............................................................................................................................. 89\n\nSupervisory Appraiser Certifications (H1) ........................................................................................................... 89\n\nSignature (H1) ..................................................................................................................................................... 90\n"} diff --git a/chunks/json/d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3.json b/chunks/json/d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3.json new file mode 100644 index 0000000000000000000000000000000000000000..fa6181267646b7b31f83b333dfd89630da16a53a --- /dev/null +++ b/chunks/json/d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3813,"char_start":3049,"chunk_id":"chk_ff0e07ac1291b7e0","chunk_index":5,"chunk_sha256":"d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3","token_estimate":458,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Chapter 3: Planning for Implementation ..................................................................................................... 16\n\nThe Structure of the Loan Application Submission File ..................................................................... 16\n\nCreating an XML Schema based submission file ............................................................................... 17\n\nChapter 4: Understanding the DU Spec from a Business Perspective ........................................................ 19\n\nWhat Information is in the redesigned Form 1003 vs. the DU Specification? ................................... 19\n\nDescribing the Information contained in the DU Specification .......................................................... 19\n"} diff --git a/chunks/json/d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9.json b/chunks/json/d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9.json new file mode 100644 index 0000000000000000000000000000000000000000..ec6f095abd6109815e09ff08e1f21e85d3414093 --- /dev/null +++ b/chunks/json/d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46347,"char_start":45700,"chunk_id":"chk_de134ce807faea52","chunk_index":71,"chunk_sha256":"d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9","token_estimate":510,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Apparent Defects, Damages, Deficiencies (Subject Property Amenities) ................................................................................................................................ 225\n\nSubject Property Amenities Commentary ................................................................................................................................................................................ 227\n\nSubject Property Amenities Exhibits ........................................................................................................................................................................................ 227\n"} diff --git a/chunks/json/d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03.json b/chunks/json/d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03.json new file mode 100644 index 0000000000000000000000000000000000000000..c3df7f4ef7b94a1367b8a3b3df0ca53cc0f3a538 --- /dev/null +++ b/chunks/json/d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14859,"char_start":13250,"chunk_id":"chk_5344adbee1f4a9ad","chunk_index":8,"chunk_sha256":"d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Materials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nHardwood\n\nMarble\n\nWalls and Ceiling\n\n8 Ft. | 9 Ft. | 10 or more feet\nFlat | Vaulted\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\nHigh grade wool\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nHardwood includes Brazilian\nCherry\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nSubject features vaulted ceiling on the third level and extensive trim throughout second level. The subject is a 3 year old structure, all interior\nitems are original therefore the overall status is considered not updated.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 8 of 22\n\nUnit Interior (continued)\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Full - Bath 1\n"} diff --git a/chunks/json/d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471.json b/chunks/json/d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471.json new file mode 100644 index 0000000000000000000000000000000000000000..5512175b3f3f65e2daa1f4eeaf1098bec22c2e25 --- /dev/null +++ b/chunks/json/d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471.json @@ -0,0 +1 @@ +{"chunk":{"char_end":600348,"char_start":598744,"chunk_id":"chk_062c7c13f612b1a4","chunk_index":354,"chunk_sha256":"d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEConcessionAmount\n\n395\n\n3\n\n62\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\nAdjustment\n(Line 2)\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='FinancingConcessions']/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n9\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe total amount of concessions, if any. If there are no sales or financing concessions, a\nzero (0) must be entered.\n\nRefer to Appendix E for printing and parsing instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the listing status of the comparable.\n\nIf the value of field e-29 is 'SettledSale',\nthis field is required.\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 3-62 and fields (3-\n60, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74,\n3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n"} diff --git a/chunks/json/d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75.json b/chunks/json/d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75.json new file mode 100644 index 0000000000000000000000000000000000000000..f0fcfb2d9b33a2a320ee70c2f2e9576a3ed58048 --- /dev/null +++ b/chunks/json/d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75.json @@ -0,0 +1 @@ +{"chunk":{"char_end":345959,"char_start":344300,"chunk_id":"chk_63ce28dc1c154ff5","chunk_index":191,"chunk_sha256":"d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n•\n\n•\n\nFull Review (with CPM),\nFHA Project Approval (HUD Review and Approval\nProcess only), or\nFannie Mae Review through the streamlined PERS\nprocess (for established condo projects)\n\nUnit in a new or established two- to four-unit condo\nproject\n\nProject review is waived, with the exception of some basic\nrequirements that apply.\n\nDetached unit in a new or established condo project\n\nProject review is waived, with the exception of some basic\nrequirements that may apply.\n\nUnit in a co-op project\n\n•\n•\n\nFull Review\nFannie Mae Review through the standard PERS\nprocess\n\nNote: Lenders must obtain special approval to be eligible to\ndeliver co-op share loans to Fannie Mae secured by ownership\ninterest in a co-op share project. See Selling Guide A2-1-01,\nContractual Obligations for Sellers/Servicers, for additional\ninformation.\n\nEstablished condo project consisting solely of multi-\nsection manufactured homes not subject to a\ncommunity land trust, deed restriction, ground lease,\nor shared equity arrangement\n\nFull Review (without CPM)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 132 of 166\n\nUAD 3.6 Policy\n\nUnit and Project Type\n\nProject Review Methods\n\n• New condo project consisting of\n\nFannie Mae Review through the standard PERS process\n\nmanufactured homes, (including those\nsubject to a community land trust, deed\nrestriction, ground lease, or shared equity\narrangement)\n\n• New PUD project consisting of manufactured\nhomes subject to a community land trust,\ndeed restriction, ground lease, or shared\nequity arrangement\n\n• Newly converted non-gut rehabilitation\ncondo and co-op projects (with attached\nunits) that contain more than four units\n"} diff --git a/chunks/json/d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e.json b/chunks/json/d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e.json new file mode 100644 index 0000000000000000000000000000000000000000..c7c2571df6d08aa25228fa7a6c5abe436ce5f688 --- /dev/null +++ b/chunks/json/d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":87374,"char_start":85737,"chunk_id":"chk_dd05e71b8a2f4b7b","chunk_index":49,"chunk_sha256":"d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n1.082\n\nReport Label\n\nWhen to Include\n\nAs Is Overall\nCondition Rating\n\nRequired if New\nConstruction is No, and\nMarket Value\nCondition is Subject to\nCompletion Per Plans\nor Subject to Repair\n\nAllowable\nAnswers / Format\n\nC1 to C6\n\n1.082\n\nAs Is Overall\nCondition Rating\n\nDisplays when As Is\nOverall Condition\nRating displays\n\nN/A\n\nDefinition / Additional Guidance\n\nThe As Is Overall Condition Rating reflects the property’s current condition if\nMarket Value Condition 1.009 is any of the following:\n•\n•\n\nSubject to Completion Per Plans\nSubject to Repair\n\nReference Appendix 2: Condition and Quality Rating Definitions for definitions.\n\nExisting condition of the property as of the effective date of this appraisal,\nexcluding all required repairs, alterations, or inspections\n\nAppendix F-1: URAR Reference Guide\n\nPage 32 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\n02 Assignment Information\n\nThe Assignment Information section always displays and provides information about the entities involved in the\nappraisal, and work completed by the appraiser and other parties. This section provides space for additional\ncommentary and exhibits.\n\nGeneral Information\n\nAssignment Reason\n\nReport\nField ID\n\n2.000\n\nReport Label\n\nWhen to Include\n\nAssignment\nReason\n\nAlways required\n\nAssignment Information: Assignment Reason\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nConstruction\nDeed in Lieu\nHome Equity\nLoan Modification\nPortfolio Evaluation\nPreforeclosure\nPurchase\nRefinance\nREO\nShort Sale\nOther (Describe)\n"} diff --git a/chunks/json/d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775.json b/chunks/json/d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775.json new file mode 100644 index 0000000000000000000000000000000000000000..f888720bb3e35d2b722eede7ff657b7e6dc3c3cd --- /dev/null +++ b/chunks/json/d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775.json @@ -0,0 +1 @@ +{"chunk":{"char_end":503105,"char_start":501437,"chunk_id":"chk_54026bfefd4d2511","chunk_index":286,"chunk_sha256":"d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"79991-79992; §1026.38(t)(5)-4 p. 80362; Exhibit H–25(A) Mortgage Loan Transaction Closing Disclosure—\nModel Form, pp. 80176-79.\n\nAppendix E: UCD Implementation Guide\n\nPage 236 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n25.0 Payoffs and Payments - UPDATED\n\n25.0 PAYOFFS AND PAYMENTS - UPDATED\n\nThe Payoffs and Payments table is included in the following Closing Disclosure variations:\n\nTable 156. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField\nID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\n25.0\n\nPayoffs and Payments Table (K)\n\nNon-Seller Transactions\nOnly Alternate Form\n\n✓\n\nFor transactions without a seller, the GSEs require that the Alternate Form be delivered with the UCD XML file.\n25.0 Payoffs and Payments is provided in place of Summaries of Transactions and is presented on page 3 of the\nClosing Disclosure above the alternative Calculating Cash to Close table.\n\nThe Payoffs and Payments table itemizes the following payments made at closing. For example:\n\n1. Payoff by borrower of credit extended to the borrower(s) or their designees. Line items may include:\n\na. Payoffs of existing liens secured by the property (such as mortgages, deeds of trust, judgments that have\nattached to the real property, mechanics’ and materialman’s’ liens, and local, State and Federal tax\nliens)\n\nb. Payments of unsecured outstanding borrower debts\n\nc. Payments to other third parties for outstanding borrower debts (but not for settlement services) as\n\nrequired to be paid as a condition for the extension of credit.\n\n2. Funds provided by the borrower(s) or their designees as part of the transaction.\n"} diff --git a/chunks/json/d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c.json b/chunks/json/d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c.json new file mode 100644 index 0000000000000000000000000000000000000000..aa5d065e842833ad64d165ebc14caf2a16872c39 --- /dev/null +++ b/chunks/json/d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1754,"char_start":0,"chunk_id":"chk_7d29fdcfdc754771","chunk_index":0,"chunk_sha256":"d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c","date_utc":"2026-01-27T18:10:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a42a0f021e801ee3","text_sha256":"d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c","token_estimate":535,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard___FHF_f6obmb.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/dashboard/mortgage-loan-and-natural-disaster\"\ndate_accessed: \"2026-01-27T18:10:34.569Z\"\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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc.json b/chunks/json/d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc.json new file mode 100644 index 0000000000000000000000000000000000000000..44b73b4af1c657c56dd7eb7edc0b0c7e4c54bfe5 --- /dev/null +++ b/chunks/json/d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":198045,"char_start":196093,"chunk_id":"chk_130c299cf2895e96","chunk_index":111,"chunk_sha256":"d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc","token_estimate":488,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 80 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the\nAppraisal Report (12/10/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the Dwelling Exterior, Unit Interior, and Outbuilding sections of the appraisal report,\nincluding:\n\n• Overview\n• Conformity of Improvements\n• Unique Housing Types\n• Actual and Effective Ages\n• Remaining Economic Life\n•\n•\n• Above- and Below-Grade Area(s)\n• Gross Building Finished Area for Two- to Four-Units\n• Accessory Dwelling Units\n• Additions without Permits\n• Properties with Outbuildings\n\nEnergy-Efficient and Green Features\nLayout and Floor Plans\n\nOverview\n\nThe appraisal must provide a clear, detailed, and accurate description of the dwelling and outbuildings. The description must be\nas specific as possible and include needed repairs, additional features, amenities, and modernization. If the subject property has\nan accessory dwelling unit(s) (ADU), the appraisal must include it with a detailed description.\n\nConformity of Improvements\n\nThe improvements should conform to the market area in terms of age, type, design, and materials used for their construction. If\nthere is market resistance to a property due to the improvements not being compatible with the requirements of the competitive\nmarket because of adequacy of plumbing, heating, or electrical services; design; quality; size; condition; or any other reason\ndirectly related to market demand, the appraiser must address the impact to the value and marketability of the subject within the\nFunctional Obsolescence section. However, the lender should be aware many established neighborhoods have favorable\nheterogeneity in architectural styles, land use, and age of housing. For example, established neighborhoods are especially likely\nto have been developed through custom building. This variety may be a positive marketing factor.\n"} diff --git a/chunks/json/d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be.json b/chunks/json/d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be.json new file mode 100644 index 0000000000000000000000000000000000000000..2bc86b36d4447140da94859e8c361541f343870e --- /dev/null +++ b/chunks/json/d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28374,"char_start":26706,"chunk_id":"chk_53dfdd7e2dcf610b","chunk_index":6,"chunk_sha256":"d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1d287c681abb2186","text_sha256":"d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be","token_estimate":456,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Integrated_Vendor_List___Fannie_Mae_mb141.md"]},"text":"- [Current page 1](?page=0)\n - [Page 2](?page=1)\n - [Page 3](?page=2)\n - [Page 4](?page=3)\n - [Page 5](?page=4)\n - …\n - [Next page Next](?page=1)\n\nFor more information about vendor products, please contact the vendor directly. Please note that Fannie Mae does not endorse any vendor solutions.\n\n**Denotes vendor has not been validated to support the redesigned Form 1003 and Desktop Underwriter®(DU®) Specification based on MISMO® V3.4.*\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"} diff --git a/chunks/json/d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067.json b/chunks/json/d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067.json new file mode 100644 index 0000000000000000000000000000000000000000..298000a4006b7ae66211a34c3477f912e7be2f2a --- /dev/null +++ b/chunks/json/d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067.json @@ -0,0 +1 @@ +{"chunk":{"char_end":684742,"char_start":683006,"chunk_id":"chk_166c49f1841b615e","chunk_index":405,"chunk_sha256":"d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\n535\n\n6\n\n41\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect interior and exterior\nof subject property\n\nAppraisal\nInspection Type\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Subject’ and\n@AppraisalInspectionType=‘ExteriorAndInterior’]\n\n1\n\nEnumerated\n\nPDF Display Format:\nmm/dd/yyyy\n\nNote: fields 6-40 and 6-42 populate the same MISMO container.\n\n536\n\n6\n\n42\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection\n\nInspection Date\n\nThe date the inspection of the property\nwas performed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Subject’ and\n@AppraisalInspectionType=‘ExteriorAndInterior’]/@InspectionDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n537\n\n6\n\n43\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect exterior of\ncomparable sales from street\n\nAppraisal\nInspection Type\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Comparable’ and @AppraisalInspectionType=‘None’]\n\n538\n\n539\n\n6\n\n6\n\n44\n\n45\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of\ncomparable sales from street\n\nAppraisal\nInspection Type\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Comparable’ and\n@AppraisalInspectionType=‘ExteriorOnly’]\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection\n\nInspection Date\n\nThe date the inspection of the property\nwas performed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Comparable’ and\n@AppraisalInspectionType=‘ExteriorOnly’]/@InspectionDate\n"} diff --git a/chunks/json/d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a.json b/chunks/json/d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a.json new file mode 100644 index 0000000000000000000000000000000000000000..395ad2db90d0f2760eeaac3dcf04a38396aa7032 --- /dev/null +++ b/chunks/json/d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":223833,"char_start":222185,"chunk_id":"chk_5861779313030d43","chunk_index":126,"chunk_sha256":"d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"For non-recording fees, taxes and\nother government fees, provide the\nname of the jurisdiction.\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_PAYMENTS/FEE_PAYMENT\n\n8.193\n\nFeeActualPaymentAmount\n\n1440.00\n\n8.153\n\nFeePaymentPaidByType\n\n8.154\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\nSeller\n\ntrue\n\nThe delivered value is greater than\njust the sum of\n“RecordingFeeForDeed” and\n“RecordingFeeTotal”, indicating that\nother recording fees are part of the\ntransaction.\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"OtherCosts\"]/FEE_DETAIL\n\n8.180\n\nFeePaidToType\n\nThirdPartyProvider\n\n8.065\n\nIntegratedDisclosureSectionType\n\nOtherCosts\n\nUCD v2.0 Implementation Guide\n\n- 96 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n8.219\n\nOptionalCostIndicator\n\nfalse\n\nProvide “true” if the fee was for\npremiums for separate insurance,\nwarranty, guarantee, or event-\ncoverage products.\n\n8.186\n\nRegulationZPointsAndFeesIndicator\n\nfalse\n\n…/FEE[IntegratedDisclosureSectionType=\"OtherCosts\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION\n\n15.013\n\nucd:FeeItemType\n\nHomeownersAssociationSpecia\nlAssessment\n\n…/FEE[IntegratedDisclosureSectionType=\"OtherCosts\"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL\n\n8.068\n\nFullName\n\nHOA Acre Inc.\n\nInclude the company name of the\nservice provider.\n\n…/FEE[IntegratedDisclosureSectionType=\"OtherCosts\"]/FEE_PAYMENTS/FEE_PAYMENT\n"} diff --git a/chunks/json/d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0.json b/chunks/json/d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0.json new file mode 100644 index 0000000000000000000000000000000000000000..cb76774a5d4d5430977d88e4cd8be8ee4b741dff --- /dev/null +++ b/chunks/json/d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":154101,"char_start":152492,"chunk_id":"chk_08ae1e863508a871","chunk_index":169,"chunk_sha256":"d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"2.032\n\nName\n\n2200.0075\n\nFirstName\n\n… displays\n\n2200.0077 MiddleName\n\nDisplay when provided\n\n2200.0076\n\nLastName\n\n… displays\n\n2200.0078\n\nSuffixName\n\n2.033\n\nDesignation\n\n2400.0432\n\nAppraiserDesignationType\n\n2.034\n\nCompany Name\n\n2400.0428\n\nAppraiserCompanyName\n\n2.035\n\nCompany Address\n\n2400.0423\n\nAddressLineText\n\n2400.0424\n\nCityName\n\n2400.0426\n\nStateCode\n\n2400.0425\n\nPostalCode\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nDisplay when provided\n\nDisplay when provided\n\nIf there are multiple designations, display separated with a comma.\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n2.036\n\nExterior\n\n2400.0503\n\nPropertyExteriorInspectionMethodType\n\n… displays\n\n2.037\n\nInterior\n\n2400.0504\n\nPropertyInteriorInspectionMethodType\n\n… displays\n\n2.038\n\nInspection Date\n\n2400.0502\n\nInspectionDate\n\nDisplay when provided.\n\nWhen not provided, do not display report label.\n\nCredentials\n\n2.039\n\nLevel\n\n2200.0080\n\nAppraiserLicenseType\n\n… displays\n\n… displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 98\n\nAssignment Information: Contact Information – Supervisory Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n2.040\n\nID\n\n2200.0083\n\nLicenseIdentifier\n\n2.041\n\nState\n\n2200.0084\n\nLicenseIssuingAuthorityStateCode\n\n2.042\n\nExpires\n\n2200.0082\n\nLicenseExpirationDate\n\n2.043\n\nASC Identifier\n\n2400.0427\n\nAppraisalSubCommitteeAppraiserIdentifier\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2200.0085, FID: Not on report) =\n“AppraiserSupervisor” …\n\nRequired when AppraiserLicenseType <> “None”\n\nWhen not provided, do not display report label.\n"} diff --git a/chunks/json/d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17.json b/chunks/json/d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17.json new file mode 100644 index 0000000000000000000000000000000000000000..a336e6656f174b9c459903999a72ff8cbc79d220 --- /dev/null +++ b/chunks/json/d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3548,"char_start":1882,"chunk_id":"chk_4f0ecb8be2282943","chunk_index":1,"chunk_sha256":"d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The subject is for sale by owner and currently pending with a current list price of $160,000.\n\nKey Characteristics\n\nConnected to public electricity and water, and private cesspool\nConstruction Method: Site Built\nAttachment Type: Detached\nProperty Rights: Mineral Rights not included\n\n•\n•\n•\n•\n• Defects, Damages, Deficiencies have been identified\n•\n\nIncludes Income Approach\no Rent Schedule\no Gross Rent Multiplier Comparables\n\n•\n\n•\n\nParties associated with this transaction:\n\no Appraiser (Trainee)\no Supervisory Appraiser (did not inspect)\n\nIncludes Revision History and Supplemental Information sections\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.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n12345 HOLIDAY HWY, SURFSIDE, HI 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$195,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n10/05/2019\nPurchase\nBetty Borrower\nSydney Seller\n$160,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nTom Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n2\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"} diff --git a/chunks/json/d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c.json b/chunks/json/d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c.json new file mode 100644 index 0000000000000000000000000000000000000000..714ab7618ce7e7f2fe4f32632f1d078a513f2d66 --- /dev/null +++ b/chunks/json/d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15997,"char_start":14258,"chunk_id":"chk_b3d39f90f7e50342","chunk_index":8,"chunk_sha256":"d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c","token_estimate":435,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Subject Property\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n01.001 Physical 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\n01.002 County\n\nAlways required\n\nFree-form\n\nDefinition / Additional Guidance\n\nProperty Address: Physical address of the property.\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\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 2- to 4-unit properties.\nIf the unit number is not applicable, leave it blank.\n\n•\n\nCity, state, and ZIP code\n\nExamples:\n•\n\nFor a single-family attached or detached property:\n\no\n\n123 Oak St, Anytown NY 11111\n\n•\n\nFor a high-rise condo, co-op, or condop:\n\no\n\n123 Oak St, Unit 101, Anytown NY 11111\n\nThe purpose of the address is to identify the location of the subject property. If\nthe subject property address has not been assigned through USPS, another\ndescriptive method for the address line (e.g., Lot and Block) must be provided\nto indicate the location.\n\n2- to 4-Unit Properties:\nPhysical Address represents the address for the entire property.\n•\n•\n\nDo not populate unit number in Physical Address.\nDo not use Alternate Physical Address for one of the units.\n\nExamples:\n•\n\n•\n\n•\n\nFor a property with one dwelling (100 Main St), where each unit (Units 1-\n4) has a separate address, enter 100 Main St for Physical Address.\nFor a property with two dwellings, each with a separate address (100\nMain St and 102 Main St), enter 100-102 Main St for Physical Address.\n"} diff --git a/chunks/json/d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a.json b/chunks/json/d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a.json new file mode 100644 index 0000000000000000000000000000000000000000..dad26bb271ee5897f4c268a8ded695f09301e734 --- /dev/null +++ b/chunks/json/d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":526997,"char_start":525330,"chunk_id":"chk_06deef1702234b6e","chunk_index":303,"chunk_sha256":"d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nSignature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n09/08/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nSingle Family Scenario 4 (SF4)\n\nIntroduction\n\nThis report is for a detached home with a below grade accessory dwelling unit (ADU). The site contains\n14,000 sq. ft. The primary dwelling contains 3,304 sq. ft. of finished above grade area, 640 sq. ft. of\nbelow grade finished area, and 616 sq. ft. of unfinished below grade area.\n"} diff --git a/chunks/json/d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07.json b/chunks/json/d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07.json new file mode 100644 index 0000000000000000000000000000000000000000..b3e46b0a1052078dc90360d2c7cfd84c2c6aea20 --- /dev/null +++ b/chunks/json/d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":447647,"char_start":446017,"chunk_id":"chk_041512348611e49f","chunk_index":262,"chunk_sha256":"d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"146\n\n1\n\n140\n\nPROJECT\nINFORMATION\n\n# of Elevators\n\nElevator Count\n\nNumber of elevators.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@ElevatorCount\n\n147\n\n148\n\n149\n\n1\n\n1\n\n1\n\n141\n\n142\n\n143\n\nPROJECT\nINFORMATION\n\nExisting\n\nBuilding Status\nType\n\nSpecifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType=\n'Existing']\n\nPROJECT\nINFORMATION\n\nProposed\n\nBuilding Status\nType\n\nSpecifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType=\n'Proposed']\n\nPROJECT\nINFORMATION\n\nUnder Construction\n\nBuilding Status\nType\n\nSpecifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType=\n'UnderConstruction']\n\n17\n\n17\n\n17\n\n17\n\n17\n\n17\n\n45\n\n4\n\n3\n\n17\n\n17\n\n17\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\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\n1-132, 1-133, 1-134, 1-135, 1-136, 1-\n137 (values of Project Design Type)\nshould be indicated.\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\n1-132, 1-133, 1-134, 1-135, 1-136, 1-\n137 (values of Project Design Type)\nshould be indicated.\n"} diff --git a/chunks/json/d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642.json b/chunks/json/d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642.json new file mode 100644 index 0000000000000000000000000000000000000000..2f0c9ac317d20ce4a30d705b8c31cd95d2852e6c --- /dev/null +++ b/chunks/json/d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642.json @@ -0,0 +1 @@ +{"chunk":{"char_end":268693,"char_start":266998,"chunk_id":"chk_885e457caad9e627","chunk_index":153,"chunk_sha256":"d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD UID\n\nMISMO v3.3.0 Data Point\n\n3.013 MICertificateIdentifier\n\n3.017 MICompanyNameType\n\n3.029 MICompanyNameTypeOtherDescription\n\nMISMO v3.3.0\nDelivered\nValue\n\n000654321\n\nOther\n\nEnact\n\nImplementation Notes\n\nThe only accepted values in the UCD XML file are shown\nunder UCD v2.0 Supported Enumerations.\n\nUCD v2.0 Implementation Guide\n\n- 120 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 96. XML Snippet - Example of Mortgage Insurance Data.\n\n\n…\n \n\n\n \n\n\n\n\n\n000654321\n Other\n Enact\n\n\n\n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 121 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nU. PAYMENT DATA\n\nThe PAYMENT container holds three types of payment data—payment frequency and amount of principal and interest\npayments and the terms of partial payments.\n\nTable 61. XML File Container Structure for Payment Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.249\n\nPAYMENT\n\nHolds containers categorizing payment information.\n\n999.250 | 999.251\n\nPARTIAL_PAYMENTS/PARTIAL_PAYMENT\n\nGroups one or more sets of partial payment data points.\n\n999.252\n\nPAYMENT_RULE\n\nHolds data points describing the payment parameters.\n\n1. PARTIAL PAYMENT DATA\n\nThe XML file collects data about whether the lender accepts periodic payments that are less than the full amount due. If\nso, the lender must indicate whether they are applied immediately or held in a separate account until the full payment is\nreceived.\n"} diff --git a/chunks/json/d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a.json b/chunks/json/d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a.json new file mode 100644 index 0000000000000000000000000000000000000000..de665f5ac409a971dda2229d66dcba523193b6a4 --- /dev/null +++ b/chunks/json/d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":538427,"char_start":536818,"chunk_id":"chk_e3a0fd5e26255724","chunk_index":310,"chunk_sha256":"d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 6 of 22\nPage 6 of 22\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nAluminum\n\nQuality Comment\nQuality meets market\nexpectations for this type of\ndwelling.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted.\n\nFoundation\n\nPoured Concrete | Basement\n\nTypical Wear and Tear\n\nRoof\n\nWindows\n\nComposition\nEstimated Age: 10-20 years\n\nThermal Double Hung and\nsome Casement Windows\n\n25 year rated shingles\n\nTypical Wear and Tear\n\nBrand Y Windows\n\nNew or Like New\n\nFoundation appears\nsound with typical hairline\nsettlement cracks.\n\nNo apparent signs of damage\nor leaks.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nElectric\n\nCore Heating System Below Grade\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nThe exterior was recently painted, and new windows, shutters, and doors were installed.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nSide View\n\nThis is where the Dwelling Rear photo would display.\n\nThis is where the Dwelling Side photo would display.\n\nUnit Interior - Primary Dwelling\n\nArea Breakdown\n"} diff --git a/chunks/json/d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be.json b/chunks/json/d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be.json new file mode 100644 index 0000000000000000000000000000000000000000..c91de91e266be5c825f997873802dfd993fbe6e4 --- /dev/null +++ b/chunks/json/d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":735315,"char_start":733670,"chunk_id":"chk_de0781df8d3c0ea4","chunk_index":438,"chunk_sha256":"d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nApparent Defects, Damages, Deficiencies (Reconciliation)\n\n26.020 N/A\n\nN/A\n\nDisplays when there\nare defects, damages,\nor deficiencies for the\nproperty\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n\nAppendix F-1: URAR Reference Guide\n\nPage 329 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nInformation That May Display in Gray Bars\n\nThe applicable URAR sections display as gray bars in the Apparent Defects, Damages, Deficiencies table.\n\nReconciliation: Apparent Defects, Damages, Deficiencies\n\nReport Label\n\nOrigin of Information (Section)\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\n26.027\n26.034\n\nN/A\n\nStructure Identifier 8.000\n\nDwelling Exterior\n•\nUnit Interior\n•\n\nStructure Identifier 10.001\n\n26.035\n26.051\n\nN/A\n\nUnit Interior\n•\n\nUnit Identifier 10.002\n\n26.042\n26.050\n\nN/A\n\nOutbuilding\n•\n\nOutbuilding Type 12.001\n\nStructure Identifier: An identifier (building name) created by the appraiser\nto differentiate among multiple dwellings on the property.\nExamples: Building 1, Building 2, Front, Rear\nRedisplays if applicable from the original section.\nUnit Identifier: An identifier assigned by the appraiser that differentiates\nbetween multiple units on the property.\nExamples: Unit 1, Unit 2, Primary Dwelling, ADU\nRedisplays if applicable from the original section.\n\nRedisplays if applicable from the original section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 330 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nInformation About Each Defect, Damage, or Deficiency\n"} diff --git a/chunks/json/d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8.json b/chunks/json/d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8.json new file mode 100644 index 0000000000000000000000000000000000000000..0d81d5549fd324278eefada5eb7ec6024ae7250d --- /dev/null +++ b/chunks/json/d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":498041,"char_start":496375,"chunk_id":"chk_57aece0f36180de1","chunk_index":295,"chunk_sha256":"d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8","token_estimate":417,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"21.006 Analysis of Prior\nSale or Transfer\nHistory of\nSubject Property\n\n21.012 Analysis of Prior\nSale or Transfer\nHistory of\nComparable\nSales\n\nPrior Sale and Transfer History Exhibits\n\nAll photos or images related to the Prior Sale and Transfer History section are displayed in the Prior Sale and\nTransfer History Exhibits subsection. If there are no photos or images, this subsection does not display.\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nPrior Sale and Transfer History Exhibits\n\nIf applicable\n\nPhotos or images\n\nPrior Sale and\nTransfer History\nExhibits\n\nPhotos or images relevant to the Prior Sale and Transfer History section may\nbe provided, which display in Prior Sale and Transfer History Exhibits. If the\nphoto or image is not specifically indicated above, provide a caption to further\nidentify the photo.\n\nAppendix F-1: URAR Reference Guide\n\nPage 212 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\n22 Sales Comparison Approach\n\nThe Sales Comparison Approach section captures a market analysis of the subject property via a grid of comparable transactions (comps) and their\ncharacteristics. The “sales grid” (or “sales comparison grid”) displays a summary of the evidence in support of the appraiser's opinion of value in the\nform of market-driven adjustments for differences in characteristics. The section provides space for commentary and exhibits.\n\nDue to the expandable nature of the sales comparison grid:\n• Do not represent the same information more than once in the sales grid.\n• Do not duplicate line items and/or their adjustments.\n"} diff --git a/chunks/json/d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1.json b/chunks/json/d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1.json new file mode 100644 index 0000000000000000000000000000000000000000..75ad1ab4a4c1070e1429ca4524c0aac3805b9920 --- /dev/null +++ b/chunks/json/d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":43967,"char_start":42362,"chunk_id":"chk_47a18fe1ab05fc71","chunk_index":23,"chunk_sha256":"d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Property in a Project\n•\n•\n\nYes (the property is in a condominium, cooperative, or condop)\nNo (the property is not in a condominium, cooperative, or condop)\n\nProject Legal Structure\n\nSite Owned in Common: Indicates whether land associated with the property is\nowned by an association, such as a condominium project, cooperative, or\ncondop.\n•\n\nYes (the land supporting the dwelling is commonly owned through an\nassociation such as a condo, co-op or condop).\nNo (the homeowner owns or leases the land sole and separate from\nanother entity).\n\n•\n\nNote: For site condos, select No for Site Owned in Common, and Condominium\nfor Project Legal Structure.\n\nAppendix F-1: URAR Reference Guide\n\nPage 14 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nAttachment Type, Structure Design, and Construction Method\n\nDefining the Property: Attachment Type, Structure Design, and Construction Method\n\nReport\nField ID\n\n3.004\n\nReport Label\n\nWhen to Include\n\nAttachment\nType\n\nAlways required\n\n8.002\n\nStructure Design Required if\n\n8.011\n\nConstruction\nMethod\n\nAttachment Type is\nAttached\n\nRequired if Structure\nDesign is not High-rise,\nMid-rise, or Low-rise\n\nAllowable\nAnswers / Format\n\nAttached or\nDetached\n\nChoose an\nallowable answer\nfrom 8.002\n\nChoose one or\nmore allowable\nanswers from\n8.011\n\nTypes of Structures\n\nDefinition / Additional Guidance\n\nWhether the residential dwelling has a common wall or other direct physical\nconnection with another dwelling or structure that has a different legal\ndescription.\n\nThe type of structural design when properties are connected (e.g. high-rise,\ntownhouse, semi-detached).\n"} diff --git a/chunks/json/d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b.json b/chunks/json/d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b.json new file mode 100644 index 0000000000000000000000000000000000000000..99e1ec1b19fe0bc21522f5591dd4104c340fdec8 --- /dev/null +++ b/chunks/json/d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18010,"char_start":16409,"chunk_id":"chk_659b4fae7070f0cb","chunk_index":10,"chunk_sha256":"d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.xml/SF4_Appraisal_v1.3.xml"]},"text":"SubjectListing\n\nSubject was listed on June 20th, 2019, with list price of $825,000 and was listed for 40 days. On July 31st, 2019, the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $765,000, which is approximately 7% below the original list price and within 5% of the final list price.\n\nOverallQualityAndCondition\n\nThe exterior was recently painted, and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 given the interior condition of the primary dwelling.\n\nSubjectPriorSalesAndTransferHistory\n\nSince the prior sale, the kitchen has been updated with new counter tops, new appliances, and new lighting fixtures. And the primary bathroom on the first floor was fully updated and upgraded.\n\nComparablesPriorSalesAndTransferHistory\n\nComp#1: Kitchen and Bathrooms have been upgraded and updated since the last sale.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAsIs\n\n2019-09-08\n\n90\n\n60\n\nReasonableExposureTime\n\n775000\n\nfalse\n\nAA12345\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nMYAPP\n\nSome Appraisal Creator\n\n11.2.1\n\nNowhere Technologies\n\nEmpty Bank\n\n200 Tree St\n\nSomewhere\n\n12345\n\nVA\n\nLender\n\nClient\n\nIDK Appraisal Management Company\n\n300 Main Ave\n\nSomewhere\n\n12345\n\nVA\n\n2022-04-30\n\n5419-2123.4\n\nVA\n\nManagementCompany\n\nAgatha\n\nAppraiser\n\n123 Main St\n\nNowhere\n\n12345\n\nVA\n\nXYZ Appraisals\n\nCertifiedResidential\n\n2019-12-31\n\nXYZ12345\n\nVA\n\nAppraiser\n\nAppraisalFee\n\n0\n\nBob\n\nBorrower\n\nBorrower\n\nBetty\n\nBorrower\n\nBorrower\n"} diff --git a/chunks/json/d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4.json b/chunks/json/d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4.json new file mode 100644 index 0000000000000000000000000000000000000000..31d67c30391784a6b03ec2e645d8d13dd3378566 --- /dev/null +++ b/chunks/json/d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":840320,"char_start":838706,"chunk_id":"chk_9e4110e82b9a56f8","chunk_index":499,"chunk_sha256":"d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Numeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf field 2-74 (Car Storage Exists Indicator =\n'N') is indicated than none of fields 2-75, 2-\n76, 2-77 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type), 2-79, 2-80 (values of\nParking Space Assignment Type), 2-78\n(Parking Spaces Count), 2-81 (Parking\nSpaces Identifier) should be indicated. If\nfield 2-74 is not indicated then at least one\nof fields 2-75, 2-76, 2-77 (Car Storage\nLocation Exists Indicator = 'Y' and values of\nCar Storage Location Type) should be\nindicated.\nIf field 2-74 (Car Storage Exists Indicator =\n'N') is indicated than none of fields 2-75, 2-\n76, 2-77 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type), fields 2-79, 2-80 (values of\nParking Space Assignment Type), field 2-78\n(Parking Spaces Count), field 2-81 (Parking\nSpaces Identifier) should be indicated. If\nfield 2-74 is not indicated then at least one\nof fields 2-75, 2-76, 2-77 (Car Storage\nLocation Exists Indicator = 'Y' and values of\nCar Storage Location Type) should be\nindicated.\nIf field 2-74 (Car Storage Exists Indicator =\n'N') is indicated than none of fields 2-75, 2-\n76, 2-77 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type), fields 2-79, 2-80 (values of\nParking Space Assignment Type), field 2-78\n(Parking Spaces Count), field 2-81 (Parking\nSpaces Identifier) should be indicated. If\nfield 2-74 is not indicated then at least one\nof fields 2-75, 2-76, 2-77 (Car Storage\nLocation Exists Indicator = 'Y' and values of\nCar Storage Location Type) should be\nindicated.\n"} diff --git a/chunks/json/d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602.json b/chunks/json/d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602.json new file mode 100644 index 0000000000000000000000000000000000000000..8135bcc565c463a8fa2d6fdfed93bea4d30d3fc0 --- /dev/null +++ b/chunks/json/d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9855,"char_start":7104,"chunk_id":"chk_fc5ce559ab81c110","chunk_index":4,"chunk_sha256":"d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3b7f88a3424740b5","text_sha256":"d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602","token_estimate":686,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Foreclosure_Prevention__Refinance__and_FPM_Report__f3nmdo.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Foreclosure Prevention, Refinance, and FPM Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Foreclosure Prevention, Refinance, and FPM Report\n\nReport Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n"} diff --git a/chunks/json/d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e.json b/chunks/json/d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e.json new file mode 100644 index 0000000000000000000000000000000000000000..f03c9b792d659c2279a1163c3bc34fa3cdbf874c --- /dev/null +++ b/chunks/json/d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":504732,"char_start":503107,"chunk_id":"chk_dc2328f0cea35a95","chunk_index":287,"chunk_sha256":"d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"a. Includes proceeds of gifts or grants and identification of their source.\n\n3. Escrow rollovers. Note that state laws may constrain how escrow rollover balances are handled, the terms\nof the agreements between the escrow agent and borrower may limit the ability to use an escrow balance\nin this manner, and the servicer may not apply any positive escrow balance to the payoff of the existing\nloan.\n\n4. Principal Reductions by the loan originator “to” the consumer to meet cash out refinance limits. The\n\nRegulation also requires that the Closing Disclosure indicate if the principal reduction is being used as a\ntolerance cure. This can be accommodated using DisplayLabelText.\n\nAs shown in the following figure, under 25.1 TO, each line item must include a description of the purpose of the\ndisbursement, including identification of the payee and whether the associated liability is secured by the\nproperty being refinanced. In cases where the funds are not being provided by the borrower, the payor must be\nidentified (See line item 04, below). The amount of each line item is provided under 25.1.1 AMOUNT. The total\nof all Payoffs and Payments is disclosed as line item “K” (25.2.1).\n\nPayoffs and Payments\n\n25.0 Use this table to see a summary of your payoffs and payments to others from your loan\namount.\n\n25.1 TO\n\n01 Rho Se rvicing to pay off existing loan\n\n02 Beta Card, Inc. to pay down credit card balance\n\nAppendix E: UCD Implementation Guide\n\nPage 237 of 254\n\n25.1.1 AMOUNT\n\n$124,000.00\n\n$5,000.00\n\nVersion 1.4\n\nUniform Closing Dataset\n\n25.0 Payoffs and Payments - UPDATED\n\n03 Principal re duction to Michael Jones\n"} diff --git a/chunks/json/d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef.json b/chunks/json/d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef.json new file mode 100644 index 0000000000000000000000000000000000000000..ae722a81343b205f7434d6e5817f7ee402fd7798 --- /dev/null +++ b/chunks/json/d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":251367,"char_start":249730,"chunk_id":"chk_f6d81428d5db2975","chunk_index":146,"chunk_sha256":"d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEQualityOfConstructionRatingTyp\ne\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Qua\nlity']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEAgeEstimationIndicator\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Age\n']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Age\n']/@_Amount\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a view factor not on the list provided materially affects the value of the\nproperty, the appraiser must select 'Other' and enter a description of the view\nassociated with the property. Free-form descriptions should be entered\ncarefully because data will be truncated on the appraisal report form if it\nexceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"} diff --git a/chunks/json/d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156.json b/chunks/json/d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156.json new file mode 100644 index 0000000000000000000000000000000000000000..692369f19e013a0bc906942fb4a92a2203b05eb8 --- /dev/null +++ b/chunks/json/d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156.json @@ -0,0 +1 @@ +{"chunk":{"char_end":47467,"char_start":45850,"chunk_id":"chk_90a1ede463b6c93b","chunk_index":25,"chunk_sha256":"d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: For units in projects subject to a ground lease in which the HOA or co-op corporation is the lessee, the lender must ensure\nthe lease complies with these lease requirements unless the project has been approved by Fannie Mae in Condo Project Manager\n(CPM).\n\nRegardless of the lessee, the lender must ensure the terms of the lease address all of the following:\n\n•\n\n•\n\n•\n\nThe lease must have an unexpired term that exceeds the maturity date of the loan by five (5) years or more.\n\nThe lease must not preclude the borrower's membership or voting rights in the HOA or co-op corporation, as applicable.\n\nIf the loan is secured by a sublease, a default under the master lease will not automatically result in the termination of\nthe sublease.\n\nThe following table provides additional lease requirements depending on whether the borrower or the HOA or co-op corporation\nis the lessee.\n\nLease Requirements if the Borrower is the Lessee\n\nLease Requirements if the HOA or Co-op\nCorporation is the Lessee\n\nThe lease must allow the lease for it (including the lessee's option to\npurchase) to be assigned, transferred, mortgaged, and subleased an\nunlimited number of times either without restriction or on payment of a\nreasonable fee and delivery of reasonable documentation to the lessor.\nThe lease must not require a credit review or impose other qualifying\ncriteria on any assignee, transferee, mortgagee, or sublessee.\n\nThe lease may include the following restrictions, if applicable:\n\n•\n\nrequirements related to Bureau of Indian Affairs (BIA) for\nleasehold mortgages on tribal lands, including approval of BIA\nand lessor.\n"} diff --git a/chunks/json/d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966.json b/chunks/json/d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966.json new file mode 100644 index 0000000000000000000000000000000000000000..9d2776c1ef7a95e6e43917c3e2957aee001fa852 --- /dev/null +++ b/chunks/json/d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966.json @@ -0,0 +1 @@ +{"chunk":{"char_end":609051,"char_start":607447,"chunk_id":"chk_1004179fc763a814","chunk_index":359,"chunk_sha256":"d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='PropertyRights']/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nLeasehold/Fee Simple\nAdjustment\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='PropertyRights']/@_Amount\n\n10\n\n20\n\n10\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a location factor not on the list materially affects the value of the property, the\nappraiser must select “Other” and enter a description of the location associated with\nthe property. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nThis field is required if the value of\nfield e-15 (GSE Location Type) is\n‘Other’.\n\nCR\n\nCR\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-66 and fields (3-\n60, 3-62, 3-64, 3-68, 3-70, 3-72, 3-74,\n3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nCR\n\nCR\n\nCR\n\nString\n"} diff --git a/chunks/json/d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e.json b/chunks/json/d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e.json new file mode 100644 index 0000000000000000000000000000000000000000..1a7a496a305032507a95bbf7c1d6e628c32a193d --- /dev/null +++ b/chunks/json/d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":371397,"char_start":369797,"chunk_id":"chk_c9c7578ef6ad456f","chunk_index":206,"chunk_sha256":"d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"covered by the payment, and the total dollar amount.\n\n11.9\n\nFor items not already predefined on the Closing Disclosure for which the seller has paid in advance,\nthe start and end date (inclusive) covered by the payment, and the total dollar amount. Examples\ninclude but are not limited to: other taxes (State, district, and so forth), flood and hazard insurance\npremiums with separate payees and separate payment dates, prepaid MI in loan assumptions,\nassociation special assessments (Homeowners, Condominium or Cooperative), seller-owned fuel or\nother supplies and ground rent.\n\nThe data points used to provide this information are shown in the table below. The section for which the\nprorated item is relevant is specified using the value of IntegratedDisclosureSectionType to identify section K and\nIntegratedDisclosureSubsectionType to identify whether that the proration item was Paid by the Seller in\nAdvance. The line items under Adjustments for Items Paid by Seller In Advance (in section K) are represented\nby data under PRORATION_ITEM. This container repeats for each line item identified by ProrationItemType, and\nincludes the period covered by the payment, if applicable (ProrationItemPaidFromDate and\nProrationItemPaidThroughDate) and the payment amount (ProrationItemAmount).\n\nTable 112. Adjustments for Items Paid by Seller in Advance\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of PRORATION_ITEM\n\n11.6\n\nN/A – XML\n\n…/PRORATION_ITEM\n\n11.6\n\nN/A - XML\n\nIntegratedDisclosur\neSectionType\n\nDueFromBorrowerAt\nClosing\n"} diff --git a/chunks/json/d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4.json b/chunks/json/d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4.json new file mode 100644 index 0000000000000000000000000000000000000000..8d94e2c61e0cce45730d0fc8c0b1e89a91bc7f2f --- /dev/null +++ b/chunks/json/d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11640,"char_start":11413,"chunk_id":"chk_c775b72af88a54d3","chunk_index":7,"chunk_sha256":"d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4","token_estimate":57,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf","below_target_min_tokens"]},"text":"Fannie Mae\n\nFreddie Mac\n\nFannie Mae UAD Web Page\n\nFreddie Mac UAD Web Page\n\n• Timeline for UAD and Forms\n\nRedesign\n\n• Appendix D: Sample Appraisals\n\n• Appendix F: Reference Guides\n\n• UAD Video\n\n• And much more\n\nApril 2025 | 22\n"} diff --git a/chunks/json/d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55.json b/chunks/json/d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55.json new file mode 100644 index 0000000000000000000000000000000000000000..eb59ffb0d40731344aa3e2c3b82f360fecbd8e8d --- /dev/null +++ b/chunks/json/d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":197123,"char_start":195360,"chunk_id":"chk_9d2459a31dc46cc0","chunk_index":97,"chunk_sha256":"d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55","token_estimate":441,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.2.2\n\nYears 1 – 7\nPrincipal & Interest\n($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\n761.78\n\nROF as “$761.78”\n\nAppendix E: UCD Implementation Guide\n\nPage 87 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 75. P&I Payments for Loan with Interest-Only Feature\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.2.5\n\nYears 8 – 30\nPrincipal & Interest\n($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\n795.83\n\nROF as “$795.83”\n\n5.1.1 |\n5.1.2\n\nYears 1 – 7\nPrincipal & Interest\n\n…/LOAN/INTEREST\n_ONLY\n\nInterestOnlyTerm\nMonthsCount\n\n84\n\nEnd of PROJECTED_PAYMENT Instances\n\n5.2.3\n\nonly interest\n\n…/LOAN_DETAIL\n\n5.1\n\nN/A\n\nInterestOnlyIndicat\nor\n\nPaymentIncreaseIn\ndicator\n\ntrue\n\ntrue\n\n▪ Provides the first\ncolumn heading\nvalues\n\n▪ ROF as “Years 1 -\n\n7”\n\nROF as “only\ninterest”\n\nNot shown - used\nto determine\ncolumn structure\n\nc. NEGATIVE AMORTIZATION FEATURE\n\nIf a loan allows negative amortization, new columns must be provided when the P&I payments adjust or become\nfully amortizing.\n\nFor example: Figure 59 illustrates a Graduated Payment Mortgage (GPM) that has a scheduled P&I payment\nincrease of $100 a year for 4 years. At the end of Year 4 a fixed, fully amortizing payment must be made for the\nremainder of the loan term. The final scheduled P&I payment increase amount is reflected as the minimum\npayment, and the fully amortizing amount effective at the end of Year 4 is shown as the maximum payment .\nSince the actual P&I payment is known, no payment range is needed in Years 1 – 3. In Years 4 – 30, the\nremaining P&I payment adjustments are shown as a range.\n"} diff --git a/chunks/json/d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e.json b/chunks/json/d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e.json new file mode 100644 index 0000000000000000000000000000000000000000..c4cee48a02035272aa4290abdf1cf04f6e499765 --- /dev/null +++ b/chunks/json/d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8506,"char_start":6815,"chunk_id":"chk_79467e875a568931","chunk_index":4,"chunk_sha256":"d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e","token_estimate":422,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"25\n\n23\n\n24\n\nAre there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser?\n Yes No If Yes, describe and explain the effect on value and marketability. 29\n27\n\n28\n\nper month X 12 = $\n\nUnit Charge $ 30\nAnnual assessment charge per year per square feet of gross living area = $ 32\nUtilities included in the unit monthly assessment None Heat Air Conditioning Electricity Gas Water Sewer Cable Other\nSource(s) Used for Physical Characteristics of Property Appraisal Files MLS Assessment and Tax Records Prior Inspection Property Owner\n Other (describe) 48\n47\n\n45\nData Source(s) for Gross Living Area 49\n\n31 per year\n\n39\n\n41\n\n37\n\n38\n\n46\n\n36\n\n33\n\n34\n\n43\n\n44\n\n42\n\n35\n\n40\n\nGeneral Description\n\nAmenities\n\nAppliances\n\nCar Storage\n\n55\n\nFuel 53\n\nFireplace(s) # 59\n58\n Woodstove(s) # 61\n60\n Deck/Patio 63\n62\n Porch/Balcony 65\n64\n Other 67\n66\n\nFloor # 50\n# of Levels 51\nHeating Type 52\n Central AC Individual AC\n54\n Other (describe) 57\n56\nFinished area above grade contains: 82\nAre the heating and cooling for the individual units separately metered? Yes No If No, describe and comment on compatibility to other projects in the market area.\n88\nAdditional features (special energy efficient items, etc.) 89\n\nNone\n74\n Garage Covered Open\n75\n# of Cars 78\n Assigned Owned\n79\nParking Space # 81\n\nRefrigerator\n68\n Range/Oven\n69\n Disp Microwave\n71\n70\n Dishwasher\n72\n Washer/Dryer\n73\nBath(s) 85\n\nSquare Feet of Gross Living Area Above Grade\n\nBedrooms 84\n86\n\nRooms 83\n\n80\n\n87\n\n77\n\n76\n\nDescribe the condition of the property (including apparent needed repairs, deterioration, renovations, remodeling, etc.). e-9; 90\n"} diff --git a/chunks/json/d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb.json b/chunks/json/d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb.json new file mode 100644 index 0000000000000000000000000000000000000000..66af83aac587000668734cbef3fd50338a13d0f9 --- /dev/null +++ b/chunks/json/d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":113377,"char_start":111778,"chunk_id":"chk_52b604fe468421b1","chunk_index":63,"chunk_sha256":"d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 47 of 166\n\nUAD 3.6 Policy\n\nSB4-1.1-03, Appraiser Selection Criteria (06/04/2025)\n\nIntroduction\n\nThis topic contains general information on appraiser selection, including:\n\n• Appraiser Credentials\n• Appraiser Trainees and Individuals Providing Significant Real Property Appraisal Assistance\n• Knowledge and Experience\n•\n•\n\nSelection of the Appraiser\nSupervisory Appraiser\n\nAppraiser Credentials\n\nFannie Mae requires a lender (or its authorized agent) to use appraisers or supervisory appraisers that are state-licensed or state-\ncertified (in accordance with the provisions of Title XI of the Financial Institutions Reform, Recovery and Enforcement Act of 1989\nand all applicable state laws). The lender (or its authorized agent) must document that the appraisers it uses are licensed or\ncertified as appropriate under the applicable state law. The lender must ensure that the state credential is active as of the\neffective date of the appraisal report. The appraiser must note their credential number on the individual appraisal reports, in\ncompliance with the Uniform Appraisal Dataset (UAD) Specifications.\n\nThe appraisal reports identify the appraiser as the individual who\n\n• developed the opinion of value, and\n•\n\nsigned the appraiser certification as the appraiser.\n\nAppraiser Trainees and Individuals Providing Significant Real Property Appraisal Assistance\n\nFannie Mae allows an appraiser trainee (or other similar classification) to perform a significant amount of the appraisal or the\nentire appraisal when they are qualified to do so.\n"} diff --git a/chunks/json/d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376.json b/chunks/json/d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376.json new file mode 100644 index 0000000000000000000000000000000000000000..56e6053bb4fd097178dee698e3145e7746b375ef --- /dev/null +++ b/chunks/json/d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22829,"char_start":21084,"chunk_id":"chk_ad7ad535de16525f","chunk_index":13,"chunk_sha256":"d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376","token_estimate":436,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Distressed Market Competition\nGraph\nPrice Trend Source\n\n18\n$675,000\n$800,000\n$925,000\nNo\nMedian Days on Market\nCowboy County MLS\n\nPrice Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be stable\nacross the year. Supply and demand are in balance and the absorption rate is in line with historical trends. Sales prices in the market have been\nincreasing.\n\nHousing Trends\n\nDemand/Supply\n\nMarket Exhibits\n\nMedian Days on Market\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThis is where the Median Days on Market graph would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nMLS\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Built in 2014 and has consistently had one owner in that time frame.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 26\n\nPrior Sale and Transfer History (continued)\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\n\n2\n\n3\n\nNone\n\nNone\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales None of the comparables utilized in the report have had any additional\ntransfers in the past 12 months.\n"} diff --git a/chunks/json/d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693.json b/chunks/json/d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693.json new file mode 100644 index 0000000000000000000000000000000000000000..554cead8b2961528879bdaeea2b16424fb150c6a --- /dev/null +++ b/chunks/json/d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1229954,"char_start":1228297,"chunk_id":"chk_2b6ce24759cabbe0","chunk_index":730,"chunk_sha256":"d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Specifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND\nITION_OF_APPRAISAL[@_Type=‘AsIs’]\n\n20\n\nEnumerated UAD Requirement - Refer to Appendix D Reconciliation Section\n\nEither field 2-129 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 2-130, 2-131, 2-132 (other\nvalues of Valuation Reconciliation Condition of\nAppraisal Type) must be indicated. If field 2-\n129 is indicated, then none of fields 2-130, 2-\n131, 2-132 may be indicated.\n\nCR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 202 of 211\n\nDocument Version 1.4\n\nR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n376\n\n2\n\n130\n\nRECONCILIATION\n\nThe appraisal is made “subject to\ncompletion”\n\n377\n\n2\n\n131\n\nRECONCILIATION\n\nThe appraisal is made “subject to\nthe following repairs”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND\nITION_OF_APPRAISAL[@_Type=‘SubjectToCompletion’]\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be\npopulated for each box that is checked.\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n"} diff --git a/chunks/json/d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc.json b/chunks/json/d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc.json new file mode 100644 index 0000000000000000000000000000000000000000..3717feeab16eed545fb190f9937df2c444cc47ff --- /dev/null +++ b/chunks/json/d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28412,"char_start":26874,"chunk_id":"chk_c5f0e1e27ee22088","chunk_index":15,"chunk_sha256":"d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"[F​HFA ​Announces New and Expanded Statistical Products from the National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database) (6/30/2021)\n\n[FHFA and CFPB Release Additional Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-additional-data-from-the-national-survey-of-mortgage-originations-for-public) (2/20/2020)\n\n[FHFA Releases U.S. Mortgage Statistics from the National Mortgage Database](/news/news-release/fhfa-releases-u.s.-mortgage-statistics-from-the-national-mortgage-database) (12/12/2018)\n\n[FHFA and CFPB Release National Survey of Mortgage Originations Dataset for Public Use](/news/news-release/fhfa-and-bcfp-release-national-survey-of-mortgage-originations-dataset-for-public-use) (11/8/2018)\n\n[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012)\n\n**Data**\n\n[NMDB Aggregate Statistics](/data/nmdb) (12/30/2025)\n\n[NSMO Public Use File](/data/nsmo)(10/24/2025)\n\n**Technical Documentation**\n\n[NMDB](/document/NMDB-Technical-Documentation.pdf) (12/28/2022)\n\n[NSMO](/document/nsmo-technical-report-v60.pdf) (10/24/2025)\n\n**FHFA Stats Blog**\n\n[Recent Changes in Mortgage-Related Housing Consumption Costs: Evidence from the National Mortgage Database](/blog/statistics/recent-changes-in-mortgage-related-housing-consumption-costs-evidence-from-the-national-mortgage) (7/16/2024)\n"} diff --git a/chunks/json/d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae.json b/chunks/json/d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae.json new file mode 100644 index 0000000000000000000000000000000000000000..4aa11f38cb206f71d61a91e4ea7a8391064a92d3 --- /dev/null +++ b/chunks/json/d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":502479,"char_start":500882,"chunk_id":"chk_847768a28a6f4803","chunk_index":290,"chunk_sha256":"d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 17 of 23\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n14568 Generic Rd\nOut There, VA 56789\n\n35361 Place Rd\nOut There, VA 56789\n\n38243 Place Rd\nOut There, VA 56789\n\n35422 Place Rd\nOut There, VA 56789\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nDwelling Style\n\nHeating\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nAssessor Record | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531\n\n$799,900\n\nPending\n\n$770,000\n\nNo\n\n08/20/2019\n\n79\n\nDetached\n\nFee Simple\n\n14.19 Acres\n\nNo\n\n06/01/2019\n\n08/01/2019\n\n7\n\nDetached\n\nFee Simple\n\n15.15 Acres\n\nLocal Road\n| Asphalt\n\n3.9 Miles N\n\n$855,000\n\nSettled Sale\n\n—\n\n$825,000\n\n$0\n\n$0\n\n6.56 Miles E\n\n$779,000\n\nSettled Sale\n\n—\n\n$765,000\n\n$0\n\n$0\n\nNo\n\n07/01/2018\n\n01/01/2019\n\n76\n\nDetached\n\nFee Simple\n\n4.04 Miles N\n\n$799,999\n\nSettled Sale\n\n—\n\n$775,000\n\n$0\n\n$0\n\nNo\n\n04/01/2019\n\n08/01/2019\n\n94\n\nDetached\n\nFee Simple\n\n$0\n\n14.37 Acres\n\n$0\n\n12.81 Acres\n\n$25,000\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n"} diff --git a/chunks/json/d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640.json b/chunks/json/d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640.json new file mode 100644 index 0000000000000000000000000000000000000000..48a454ed845c1d965744642f4b63c2dfa67e75fa --- /dev/null +++ b/chunks/json/d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640.json @@ -0,0 +1 @@ +{"chunk":{"char_end":77543,"char_start":75934,"chunk_id":"chk_257524df7332a1d6","chunk_index":43,"chunk_sha256":"d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Note: For site condos, select No for Site Owned in\nCommon, and Condominium for Project Legal\nStructure.\n\nNumber of separate living units on the subject\nproperty, not counting any ADUs. ADUs are entered in\na separate field (3.006) but are considered in the\noverall unit count.\nExamples:\n•\n\nA single-family property (with or without an\nADU) is reported as 1 unit in this field.\nA three-unit property (with or without an ADU) is\nreported as 3 units in this field.\n\n•\n\n1.022\n\nAccessory\nDwelling Units\n\nAlways displays\n\nNumber\n\nSubject Property\n•\n\nNumber of ADUs\non Subject\nProperty 3.006\n\nADUs may be in the dwelling, attached to the dwelling,\nor associated with a separate building (outbuilding). If\n0, there are no ADUs on the property.\n\n1.023\n\nProperty Rights\nAppraised\n\nWhen the property\nis not in a\ncooperative\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nSubject Property\n•\n\nProperty Rights\nAppraised 3.019\n\n•\n•\n•\n\nFee Simple\nLeasehold\nOther (Describe)\n\nCheckbox always\ndisplays\n\nYes | No\n\nHighest and Best Use\n•\nHighest and Best\nUse 16.004\n\nHighest and Best Use\nAfter consideration of all four tests, indicates whether\nthe present or proposed use is the highest and best\nuse of the site.\n\n1.024\n\nIs the highest\nand best use of\nthe subject\nproperty as\nimproved (or as\nproposed per\nplans and\nspecifications)\nthe present use?\n\nAppendix F-1: URAR Reference Guide\n\nPage 28 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nReport Label\n\nWhen Displayed in\nSummary Section\n\nAllowable Answers /\nFormat\n\nOrigin of Information\n(Section)\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9.json b/chunks/json/d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9.json new file mode 100644 index 0000000000000000000000000000000000000000..f6df13f50a5f7f216d71be1fb04221e1d83db140 --- /dev/null +++ b/chunks/json/d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12186,"char_start":10552,"chunk_id":"chk_11a251178db655b4","chunk_index":6,"chunk_sha256":"d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"[View More](/data/dashboard/dts/single-family/2024)\n\n- ## FHFA HPI® Calculator\n\nThe FHFA House Price Calculator estimates what a given house purchased at a point in time would be worth today if it appreciated at the average appreciation rate of all homes in the area.\n\n[View More](/house-price-index?tab=hpi-calculator)\n\n- ## FHFA HPI® Four-Quarter Appreciation Map\n\nA map displaying four-quarter (year-over-year) house price appreciation rates at the national, state, and MSA level. It is based on the purchase-only, seasonally adjusted index using prices from sales transactions of mortgage data obtained from the Enterprises.\n\n[View More](/data/dashboard/fhfa-hpi-four-quarter-appreciations)\n\n- ## FHFA HPI® Top 100 Metro Area Rankings\n\nThe FHFA HPI® is the nation’s only public, freely available index that measures changes in single-family house prices based on data covering all 50 states and over 400 American cities. Extending back to the mid-1970s, the HPIs are built on tens of millions of home sales and offer insights about house price fluctuations at national, census division, state, metro area, county, ZIP code, and census tract levels.\n\n[View More](/data/dashboard/fhfa-hpi-top-100-metro-area-rankings)\n\n- ## National Mortgage Database (NMDB®) Outstanding Residential Mortgage Statistics Dashboard\n\nInteractive data visualization tool for displaying the data published in the Outstanding Residential Mortgage Statistics data series of the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables.\n\n[View More](/data/dashboard/nmdb-aggregate-statistics)\n"} diff --git a/chunks/json/d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03.json b/chunks/json/d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03.json new file mode 100644 index 0000000000000000000000000000000000000000..3fa63bb52ada4cab6ceb1a0e8cd56bcb41e841cf --- /dev/null +++ b/chunks/json/d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03.json @@ -0,0 +1 @@ +{"chunk":{"char_end":150880,"char_start":149264,"chunk_id":"chk_149658079fcb0ab6","chunk_index":87,"chunk_sha256":"d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Commentary on the nature of the non-residential use and / or modifications,\nincluding the extent of the changes and whether they have an adverse impact\non marketability as a residential property.\n\nSite: Property Access\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.020\n\nPrimary Access\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Primary Access to\nProperty)\n\nDefinition / Additional Guidance\n\nPrimary Access to Property: The primary ingress and egress method to the\nproperty.\n•\n•\n•\n•\n• Waterway\n•\n\nPedestrian Only Access\nPrivate Airstrip\nPrivate Street\nPublic Street\n\nOther (Describe)\n\nNotes:\n•\n\n•\n\nFor condominiums, cooperatives, and condops, reference published\nguidelines by the GSEs, government agencies, or other identified\nsecondary market participants for specific guidance.\nPhoto(s) of the property access must be provided, which display in Site\nExhibits with the caption “Property Access (Street Scene)”. An additional\ncaption may be provided to further identify the photo.\n\nAppendix F-1: URAR Reference Guide\n\nPage 59 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Property Access\n\nReport\nField ID\n\n4.021\n\nReport Label\n\nWhen to Include\n\nStreet Type and\nSurface\n\nRequired for each\nstreet if Primary\nAccess to Property is\nPublic Street, or\nPrivate Street\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Street Type)\n\n4.021\n\nStreet Type and\nSurface\n\nRequired for each\nstreet if Primary\nAccess to Property is\nPublic Street, or\nPrivate Street\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7.json b/chunks/json/d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7.json new file mode 100644 index 0000000000000000000000000000000000000000..8765b5b4e51f160f6867c5199eb8b8978cc31dbd --- /dev/null +++ b/chunks/json/d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":478077,"char_start":476439,"chunk_id":"chk_d2891fd80f50d104","chunk_index":283,"chunk_sha256":"d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 202 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n19 Subject Listing Information\n\nTotal Days on Market\n\nSubject Listing Information: Total Days on Market\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n19.010 Total DOM\n\nRequired if Current or\nRelevant Listings is Yes\n\nNumber\n\nTotal Days on Market: Number of days that the subject was actively available\non the market.\n\nNotes:\n•\n•\n•\n\nRepresents the sum of Days on Market for all listings in the table.\nDoes not include breaks within listings or between listing periods.\nCan be 0, such as when the only listing was not listed on the open market\nthrough a publicly available source (e.g., Listing Type is FSBO (For Sale by\nOwner))\n\nAnalysis of Subject Property Listing History\n\nSubject Listing Information: Analysis of Subject Property Listing History\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n19.011 Analysis of\n\nSubject Property\nListing History\n\nRequired if Current or\nRelevant Listings is Yes\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe appraiser must analyze information pertinent to the subject listing history\nthat is not captured in the discrete data. This could include an explanation of\nwhy there are variations from the typical time on market or multiple times on\nand off the market.\n\nSubject Listing Information Exhibits\n\nAll photos or images related to the Subject Listing Information section are displayed in the Subject Listing\nInformation Exhibits subsection. If there are no photos or images, this subsection does not display.\n"} diff --git a/chunks/json/d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf.json b/chunks/json/d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf.json new file mode 100644 index 0000000000000000000000000000000000000000..06048b06cb139f81a74526e4176cd58ab535035a --- /dev/null +++ b/chunks/json/d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":192858,"char_start":191157,"chunk_id":"chk_c7c9c13d8c36930e","chunk_index":112,"chunk_sha256":"d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n11\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nR\n\nR\n\nR\n\nThis field is required if field 1-33 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nCR\n\nCR\n\nCR\n\n12\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nThis field should be populated if field 2-13\n(Property Sales Amount) is populated.\n\nT\n\nR\n\nT\n\nR\n\nT\n\nR\n\n250\n\n2\n\n12c\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty Postal Code\n\nThe postal code (zip code in the US)\nof the subject property. Zip code may\nbe either 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_P\nostalCode\n\n10\n\nString\n\n251\n\n2\n\n13\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced\nproperty.\n\n252\n\n2\n\n14\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price/Gross Liv.\nArea\n\nSales Price Per Gross\nLiving Area Amount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This\nis a ratio between the sales price and\nan area, but it is a monetary value\nrather than a factor or rate.\n(CALCULATED RESULTS FIELD)\n\n253\n\n2\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Overall\nLocation Rating Type\n\nThe overall rating of the location\nassociated with the property.\n\n254\n\n2\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location Type\n\nThe type of location influences\nassociated with the property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/\n@PropertySalesAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/\n@SalesPricePerGrossLivingAreaAmount\n"} diff --git a/chunks/json/d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d.json b/chunks/json/d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d.json new file mode 100644 index 0000000000000000000000000000000000000000..61c23f0da635df78c2900877604321b45ca88e36 --- /dev/null +++ b/chunks/json/d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":551545,"char_start":549937,"chunk_id":"chk_8196e036b1c91d28","chunk_index":325,"chunk_sha256":"d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms\nvendor software.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n5\n\n6\n\n7\n\n8\n\n9\n\n10\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\n\nNumber of Comparable Listings\n\nComparable Listings Price\nRange Low\n\nComparable Listings Price\nRange High\n\nSpecifies the total number of comparable\nproperty listings researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableListingsResearchedCount\n\nSpecifies the low listing value in the\nrange of values within the group of\ncomparable listing properties researched.\n\nSpecifies the high listing value in the\nrange of values within the group of\ncomparable listing properties researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableListingsPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableListingsPriceRangeHighAmount\n\nNumber of Comparable Sales\n\nComparable Sales\nResearched Count\n\nSpecifies the total number of comparable\nproperty sales researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableSalesResearchedCount\n\nComparable Sales Price Range\nLow\n\nComparable Sales Price Range\nHigh\n\nComparable Sales\nPrice Range Low\nAmount\nComparable Sales\nPrice Range High\nAmount\n\nSpecifies the low sale value in the range\nof values within the group of comparable\nsales researched.\nSpecifies the high sale value in the range\nof values within the group of comparable\nsales researched.\n"} diff --git a/chunks/json/d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad.json b/chunks/json/d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad.json new file mode 100644 index 0000000000000000000000000000000000000000..16aaafda29e1a99f279e9adacc27de8920c42dae --- /dev/null +++ b/chunks/json/d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17967,"char_start":16364,"chunk_id":"chk_3185dafb303706ca","chunk_index":10,"chunk_sha256":"d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"198000\n\nComparables #1 and 2 are similar in function and utility as they are both two unit, two building properties and adjust towards the lower end of the range. Hazard zone adjustment is based on market adjustment for differences between location in USGS Lava Flow Zones 2 and 3. Ranges for price per unit and bedroom count are supportive of the value estimate. Comparable #2 has the least gross adjustments in the sales comparison approach, is the most similar in style, quality and condition, and is given most weight.\n\n195000\n\nfalse\n\nfalse\n\ntrue\n\nAll mineral rights are held by the state of Hawaii.\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nPurchase\n\nAppraiserSupervisor\n\nI have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. I performed an appraisal on April 13, 2018.\n\nHazardZones\n\nThere is volcanic activity in the Puna District on the southeast portion of the island of Hawaii.\n\nAdverse\n\nZoningCompliance\n\nNeutral\n\nAssignment\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubjectProperty\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSiteInfluences\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSiteViews\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSiteFeatures\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubjectPropertyAmenities\n\nEach unit has its own outdoor shower.\n"} diff --git a/chunks/json/d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca.json b/chunks/json/d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca.json new file mode 100644 index 0000000000000000000000000000000000000000..2fdf9188a0fc92f8732e6fe37be61079e045abee --- /dev/null +++ b/chunks/json/d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":775808,"char_start":774201,"chunk_id":"chk_e224a4a9a7f7bb41","chunk_index":460,"chunk_sha256":"d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@GuestParkingSpacesCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@PlannedUnitsCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@CompletedUnitsCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@UnitsForSaleCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@UnitsSoldCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@UnitsRentedCount\n\nPROJECT\nINFORMATION\n\nSubject Phase\n# of Owner Occupied Units\n\nOwner Occupied\nUnit Count\n\nThe number of units occupied by their\nowners.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@OwnerOccupiedUnitCount\n\n165\n\n1\n\n158\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Phases\n\nDevelopment Stage\nTotal Phases Count\n\nNumber of phases that exist in the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@_TotalPhasesCount\n\n166\n\n1\n\n159\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units\n\nCompleted Units\nCount\n\nTotal number of completed living units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@CompletedUnitsCount\n\n167\n\n1\n\n160\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units for Sale\n\nUnits For Sale\nCount\n\nTotal number of living units for sale.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@UnitsForSaleCount\n\n168\n\n1\n\n161\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units Sold\n\nUnits Sold Count\n"} diff --git a/chunks/json/d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c.json b/chunks/json/d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c.json new file mode 100644 index 0000000000000000000000000000000000000000..9196b7722edf141f57c8840bcc5c9816586cadc0 --- /dev/null +++ b/chunks/json/d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4280,"char_start":3208,"chunk_id":"chk_d38510f9220a4d42","chunk_index":2,"chunk_sha256":"d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_942dc51a34ab6d40","text_sha256":"d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c","token_estimate":268,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-april-20-2024.pdf"]},"text":"Loan Application Data Errors\n\n--------------------------------------------------------------------------------\n\nERROR – USDA Rural Development loans are not supported. Resubmit as another mortgage type, if applicable. If assistance is\nstill required, contact Fannie Mae Technology Support (1-800-2FANNIE).\n\n© 2024 Fannie Mae.\n\n02.22.24\n\n2 of 3\n\nInvalid FHA Lender ID\n\nFHA loan casefiles submitted or resubmitted using Preliminary Findings with an FHA Lender ID of 9999999999 will now receive an\nError specifying that a valid FHA Lender ID was not provided. A valid FHA Lender ID will need to be provided for the loan casefile to\nbe underwritten through DU.\n\nRelease Support\n\nThis update will be implemented in the DU integration environment on or around March 20, 2024.\n\nIf you have questions about the integration impact or if you require support specific to this update, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae\nrepresentative.\n\n© 2024 Fannie Mae.\n\n02.22.24\n\n3 of 3\n"} diff --git a/chunks/json/d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6.json b/chunks/json/d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6.json new file mode 100644 index 0000000000000000000000000000000000000000..fbd8f13c3ad8a957fccac7bfd6d0ab27c6fe4941 --- /dev/null +++ b/chunks/json/d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":168439,"char_start":166712,"chunk_id":"chk_a9965d3f5609535e","chunk_index":97,"chunk_sha256":"d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government\nsponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance\ntransaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become\nan intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable)\nshall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this\nappraisal report was prepared.\n\n27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n"} diff --git a/chunks/json/d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db.json b/chunks/json/d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db.json new file mode 100644 index 0000000000000000000000000000000000000000..1056e217464d70d3f2054415b7e54c6736a75561 --- /dev/null +++ b/chunks/json/d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":270932,"char_start":269738,"chunk_id":"chk_c59f5ce99598dc84","chunk_index":143,"chunk_sha256":"d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Other Costs\n\n8.0\n\n8.1 E. Taxes and Other Government Fees\n018.2 Recording Fees Deed: 8.2.1 $40.00 Mortgage:\n\n8.1.1 $85.00\n\n8.2.2\n\n$40.00 8.2.3\n\n8.2.4\n\n8.2.5\n\n8.2.6\n\n8.4 F. Prepaids\n018.5 Homeowner’s Ins Premium (12 mo.) to Ins Co8.5.1 8.5.2 $1,209.96 8.5.3\n\n8.4.1 $2,229.80\n\n8.5.4\n\n8.5.5\n\n8.5.6\n\n8.10 G. Initial Escrow Payment at Closing\n018.11 Homeowner’s Ins ($100.83 per month for 2 mo.)\n\n8.11.1\n\n8.10.1 $630.25\n\n8.11.2 $201.66\n\n8.11.4\n\n8.11.6\n\n8.16 H. Other\n\n8.16.1 $1,650.00\n\n018. 17 HOA Special Assessment to HOA Acre Inc. 8.17.1 8.17.2 $500.00 8.17.3\n\n8.17.4\n\n8.17.5\n\n8.17.6\n\n8.18 I. TOTAL OTHER COSTS (Borrower-Paid)\n\n8.18.1 $4,595.05\n\n8.19 Other Cost Subtotals (E + F + G + H)\n\n8.19.2 $4,268.05 8.19.3\n\nFigure 80. Other Costs Table\n\nA. CATEGORY AND SUBCATEGORY DATA\n\nTable 94 illustrates that multiple instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY identify and\nconvey headings, totals and subtotals for the Other Costs table. The data points supporting the line items for\neach subcategory come from the body of the MISMO Reference Model.\n\nTable 98. Other Costs Table Category and Subcategory Data\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n"} diff --git a/chunks/json/d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a.json b/chunks/json/d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a.json new file mode 100644 index 0000000000000000000000000000000000000000..630dcfb3f0a7d19447b4d6c4b96a3e1acf05d8ad --- /dev/null +++ b/chunks/json/d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":464178,"char_start":461165,"chunk_id":"chk_157aaefb4cab5421","chunk_index":352,"chunk_sha256":"d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a","token_estimate":753,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Text Conditionality\n\nAlways displays\n\nAlways displays\n\nStatement of Assumptions and Limiting Conditions\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Statement of Assumptions and Limiting Conditions subsection always displays.\n\nPage 367\n\nReport\nField ID\n\n29.014\n\n29.015\n\nStatement of Assumptions and Limiting Conditions Text\n\nThe appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.\nIf the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist\nthe reader in visualizing the property and understanding the appraiser’s determination of its size.\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 368\n\nReport\nField ID\n\n29.016\n\n29.017\n\n29.018\n\nStatement of Assumptions and Limiting Conditions Text\n\nThe appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property\ndata services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has\nused only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no\nguarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser\nassumes the property characteristics and supporting information have not changed in the interim.\nThe appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing\nthat might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards,\nthis appraisal report must not be considered as an environmental assessment of the property.\n"} diff --git a/chunks/json/d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1.json b/chunks/json/d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1.json new file mode 100644 index 0000000000000000000000000000000000000000..8a67e4d187bf4338dccdb2219a5c58fa353fba62 --- /dev/null +++ b/chunks/json/d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16971,"char_start":13772,"chunk_id":"chk_6267ba61b7fa90ee","chunk_index":8,"chunk_sha256":"d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1e9e323046af3f6","text_sha256":"d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1","token_estimate":987,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____FHFA_57dbusi.md"]},"text":"## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/14316\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54.json b/chunks/json/d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54.json new file mode 100644 index 0000000000000000000000000000000000000000..9fd81a039db985ed944d1f38199f846dc70db275 --- /dev/null +++ b/chunks/json/d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":635386,"char_start":633746,"chunk_id":"chk_c3e4f290d2e667f9","chunk_index":365,"chunk_sha256":"d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Signature\n\nAppraiser\nAmy Appraiser\nAmy Appraiser\n\n08/21/2009\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n3333333333\nMD\n10/21/2010\n\nAppraiser Reference ID LN32942301Client Reference ID 456-8124Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Repair (CR1)\n\nCompletion Report Scenario 2 – Per Plans and Specs (CR2)\n\nIntroduction\n\nThis appraisal was made subject to completion per plans and specs of a proposed barn having been\ncompleted. The subject was re-inspected after the barn was complete. The re-inspection reported a 20’\nx 12’ door was installed where the original plans called for a 12’ x 8’ door. The change in dimension of\nthe door was determined to have no measurable impact on the utility or marketability of the barn or\nproperty.\n\nKey Characteristics\n\n•\n\n•\n\nConstruction was completed in a manner that was inconsistent with the original plans and\nspecifications.\nAppraiser commented that the inconsistency had no measurable impact on the marketability of the\nproperty.\n\n• Original floorplan of the barn was provided for reference.\n•\n\nPhoto of the inconsistent item was provided in addition to the photo of the completed construction.\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the completion report.\n\nThe Completion Report sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the Completion Report.\n\nCompletion Report\n\nSubject Property\n\nPhysical Address\n\nCounty\n\n456 Something Rd\nSomewhere, VA 12345\nFabricated\n"} diff --git a/chunks/json/d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640.json b/chunks/json/d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640.json new file mode 100644 index 0000000000000000000000000000000000000000..2918e719ad99ca36297b9684b002110153fb0781 --- /dev/null +++ b/chunks/json/d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20614,"char_start":18743,"chunk_id":"chk_c19ce109914af5c7","chunk_index":11,"chunk_sha256":"d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640","token_estimate":468,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"LIABILITY_3.2 has a LiabilityPayoffStatusIndicator = “false”, and it is structured to represent only the\nportion of the liability which will remain after the partial payoff.\n\nConsequently, the LiabilityUnpaidBalanceAmount is set to $9,000 which is the amount remaining after the\n$6,000 payment. The HELOCMaximumBalanceAmount is set to the full $40,000 which remains in place.\n\nScenario 3 Calculations:\n\nCalculating the LTV: Loan Amount / Property Value\n\nUsing the example data: 230,000 / 350,000 = 65.71%\nDU Findings rounds up: 66%\n\nCalculating Combined LTV: (Loan Amount + Liability Unpaid Balance Amount) / Property Value\n\nUsing the example data: (230,000 + 9,000) / 350,000 = 68.29%\nDU Findings rounds up: 69%\n\nCalculating HCLTV: (Loan Amount + HELOC Credit Limit Amount) / Property Value\n\n21\n\nUsing the example data: (230,000 + 40,000) / 350,000 = 77.14% DU\nFindings rounds up: 78%\n\n14. How are sections “L1. Property and Loan Information” and “L4. Qualifying the Borrower” on\nthe Lender Loan Information URLA completed for Construction-to-Permanent loans?\n\nConstruction-to-permanent financing can be structured as a transaction with one closing or a transaction\nwith two separate closings. This FAQ will highlight the XML data and the relevant Lender Loan Information\nURLA section “L1. Property and Loan Information” and “L4. Qualifying the Borrower” to illustrate a\nSingle-Closing Limited Cash Out Refinance and a Two-Closing Limited Cash Out Refinance.\n\nSingle-Closing Construction-to-Permanent Transactions\n\nA single-closing construction-to-permanent mortgage loan may be closed as:\n\n• Purchase transaction - The borrower is not the owner of the lot at the time of the first advance of\ninterim construction financing, and the borrower is using the proceeds from the interim construction\nfinancing to purchase the lot and finance the construction of the property.\n"} diff --git a/chunks/json/d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51.json b/chunks/json/d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51.json new file mode 100644 index 0000000000000000000000000000000000000000..5ecc5f77a9f102ed5bab11313fbe0e3b32eed3f0 --- /dev/null +++ b/chunks/json/d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36476,"char_start":34466,"chunk_id":"chk_7a89c946ca0e92e5","chunk_index":13,"chunk_sha256":"d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51","token_estimate":503,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"The UCD collection solution will enable correspondent lenders to transfer UCD data to an aggregator once a relationship has been established between the two organizations. A Transfer icon is available from the Findings Report, allowing the ability to transfer UCD data. The receiving organization will then be able to search for and view the UCD Findings Report, PDF of the Closing Disclosure (if embedded), and the UCD XML file. Please refer to the [Transfer Capability Quick Guide](/media/document/pdf/quick-guide-transfer-capability) for detailed information.\n\n**NOTE**: This is optional functionality and is not required to comply with the UCD requirements.\n\n**Q35. Can I “Transfer” the UCD Data to more than 1 aggregator?**\n\nLenders will have the option to transfer a UCD file to a subsequent lender. For example:\n\n- Lender A transfers the UCD File to Lender B\n- Lender B transfers the same UCD file to Lender C\nAll three lenders will then have access to the UCD Findings Report, UCD XML file, and the embedded Borrower Closing Disclosures. Please refer to the [UCD Transfer Quick Guide](/media/document/pdf/quick-guide-access-ucd-non-sellers) for more information.\n\n**Q36. What if my company wants to take advantage of the Transfer capability from correspondent to aggregator? Will it automatically be available?**\n\nLenders will have the ability to transfer UCD data if they have the UCD_ADMIN and UCD_SUBMIT roles in Technology Manager. This functionality is available through the UCD collection solution user interface or via direct integration. To establish relationships, a designee must be identified with the UCD_ADMIN role in Technology Manager. Note: Establishing a relationship is a *one-time only* activity between the organizations to transfer UCD data. Refer to the [Relationship Establishment for Transfer Capability from Correspondent to Aggregator Quick Guide](/media/document/pdf/quick-guide-relationship-establishment-transfer-capability-correspondent-aggregator)for additional guidance.\n"} diff --git a/chunks/json/d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a.json b/chunks/json/d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a.json new file mode 100644 index 0000000000000000000000000000000000000000..1952ea00e7b1f8a76f4a4b2b38c0419290247288 --- /dev/null +++ b/chunks/json/d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1729,"char_start":0,"chunk_id":"chk_1095291917dbe248","chunk_index":0,"chunk_sha256":"d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9766019c7c7ec82f","text_sha256":"d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-november-2020.pdf"]},"text":"Desktop Underwriter Validation Service\n\nIntegration Impact Memo\n\nAug. 27, 2020\n\nUpdated Sept. 30, 2020\n\nDuring the weekend of Oct. 31, Fannie Mae will implement changes to modernize the technology supporting the Desktop\nUnderwriter® (DU®) validation service. As part of the modernization effort, the manner in which the parameter data is populated for\nsome DU “list” messages will change.\n\nSept. 28: New Reason Codes have been added to two existing messages, see table on page 2.\n\nThese changes will apply to all new casefiles created on or after Nov. 2.\n\nHow will this affect my integrated system(s)?\n\nParameter Data Changes Impacting List Messages\n\nIntegrated systems that parse the DU Underwriting Codified Findings (XML file) or report data file (RES file) may require updates to\nsupport the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may also require\nupdates to support the message changes. Reference the table below for more details regarding the message changes.\n\nMessage\nID\n\nMessage\nName\n\nParameter(s)\n\nCurrent Behavior\n\nAfter the Release\n\n2931\n\nFF-REPORT-\nEXPIRATION\n\nReasons\n\nWhen a Verification of Deposit report is received,\nbut cannot be used for validation, only one\nreason is provided even if more reasons exist.\n\n3309\n\nDVS-INCOME-\nVALIDATED\n\nIncome Type,\nDU Vendor and\nReport Type,\nReport ID\n\nWhen the borrower reports income from self-\nemployment and a traditional employer, and a\nVerification of Employment report and Tax\nTranscript are used to validate income, there are\ntwo rows displayed, one for “Base Employment\nIncome (includes self-employment)” and one for\n“Base Employment Income”, even though the\nborrower reports a single base income amount in\nDU.\n"} diff --git a/chunks/json/d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1.json b/chunks/json/d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1.json new file mode 100644 index 0000000000000000000000000000000000000000..338e7e764fea52af0e6dd8ea311d38c63885296d --- /dev/null +++ b/chunks/json/d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":901375,"char_start":899591,"chunk_id":"chk_b354ea95397fde17","chunk_index":535,"chunk_sha256":"d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1","token_estimate":446,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SALES\nCOMPARISON\nAPPROACH\n\nPhase\n\nProject Phase\nIdentifier\n\nThe current phase number of a multi-\nphase development project.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectPhaseI\ndentifier\n\nSALES\nCOMPARISON\nAPPROACH\n\nProximity to Subject\n\nProximity To\nSubject Description\n\nA free-form text field used to describe the\nproximity of a comparable property to the\nsubject property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nProximityToSubjectDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@PropertySales\nAmount\n\nSALES\nCOMPARISON\nAPPROACH\n\nSales Price/Gross Liv. Area\n\nSales Price Per\nGross Living Area\nAmount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This is a\nratio between the sales price and an area,\nbut it is a monetary value rather than a\nfactor or rate. (CALCULATED\nRESULTS FIELD)\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Data Source\nDescription\n\nA data source used for information about\nthe sale and characteristics of the\ncomparable property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPricePer\nGrossLivingAreaAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEDataSourceDescription\n"} diff --git a/chunks/json/d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9.json b/chunks/json/d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9.json new file mode 100644 index 0000000000000000000000000000000000000000..c4a58508196c1d8c5ef9f7ac2ccf8a19bb55c2f5 --- /dev/null +++ b/chunks/json/d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":174029,"char_start":172325,"chunk_id":"chk_d544f3de46388732","chunk_index":181,"chunk_sha256":"d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9","token_estimate":426,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• Classification Code Description - SiteZoningClassificationDescription (UID: 1500.0123, FID: 4.010)\n\n• Description of Zoning Compliance (displays only when provided) - SiteZoningComplianceDescription (UID: 1500.0124,\n\nFID: 4.014)\n\nWhen Compliance - SiteZoningComplianceType = “Illegal” display:\n\n• Classification - Code SiteZoningClassificationIdentifier (UID: 1500.0122, FID: 4.009)\n\n• Classification Code Description - SiteZoningClassificationDescription (UID: 1500.0123, FID: 4.010)\n\n• Reasons Illegal - SiteZoningComplianceIllegalReasonType (UID: 1500.0128, FID: 4.011)\n\no\n\nIf there are multiple Reasons Illegal, display as stacked on separate lines.\n\n•\n\nImpact - ValuationAnalysisCategoryType (UID: 1500.0191, FID: 4.012)\n\n• Description of Zoning Compliance - SiteZoningComplianceDescription (UID: 1500.0124, FID: 4.014)\n\nWhen Compliance - SiteZoningComplianceType = “LegalNonconforming” display:\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Classification Code - SiteZoningClassificationIdentifier (UID: 1500.0122, FID: 4.009)\n\n• Classification Code Description - SiteZoningClassificationDescription (UID: 1500.0123, FID: 4.010)\n\n•\n\nImpact - ValuationAnalysisCategoryType (UID: 1500.0191, FID: 4.012)\n\n• Rebuildable to Current Density/Use - ZoningPermitRebuildToCurrentDensityIndicator (UID: 1500.0127, FID: 4.013)\n\n• Description of Zoning Compliance (when provided) - SiteZoningComplianceDescription (UID: 1500.0124, FID: 4.014)\n\nPage 118\n\nWhen Compliance - SiteZoningComplianceType = “NoZoning” display:\n\n•\n\nImpact - ValuationAnalysisCategoryType (UID: 1500.0191, FID: 4.012)\n\n• Description of Zoning Compliance (when provided) - SiteZoningComplianceDescription (UID: 1500.0124, FID: 4.014)\n"} diff --git a/chunks/json/d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89.json b/chunks/json/d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89.json new file mode 100644 index 0000000000000000000000000000000000000000..cd02ec96a238be8a62016d4625f191f8f697147f --- /dev/null +++ b/chunks/json/d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89.json @@ -0,0 +1 @@ +{"chunk":{"char_end":571859,"char_start":570126,"chunk_id":"chk_450b98345bf0f86d","chunk_index":337,"chunk_sha256":"d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89","token_estimate":433,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\n\nPDF Display Format:\nIf 'Y' then display a tilde (~) before the value entered.\nIf 'N' then display nothing.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nNumeric, whole years only. Zero (0) is a valid value.\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nAt least one but no more than two\nvalues are required.\n\nR\n\nR\n\nR\n\nThis field is required if the value of\nfield e-6 (GSE View Type) is ‘Other’.\n\nCR\n\nCR\n\nCR\n\nT\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 109 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\n354\n\n3\n\n32\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEOverallConditionType\n\n355\n\n356\n\n3\n\n3\n\n33\n\n34\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nTotal\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_ADJUST\nMENT/@TotalRoomCount\n"} diff --git a/chunks/json/d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1.json b/chunks/json/d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1.json new file mode 100644 index 0000000000000000000000000000000000000000..d62989a9cb2c3d838fef4b706a8a7d26bbeac5fe --- /dev/null +++ b/chunks/json/d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8152,"char_start":6512,"chunk_id":"chk_9cc767a8be2a15e4","chunk_index":4,"chunk_sha256":"d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf"]},"text":"LoanPriceQuoteInterestRatePercent have\nchanged and an implementation note was\nadded to explain what value to populate in the\nUCD XML file.\n\n▪ Two new data points, ConstructionMethodType\nand ConstructionMethodTypeOtherDescription\nare located with other property data to enable\nreview of the loan details against allowable QM\nAPR-APOR spread thresholds. The\nenumerations for ConstructionMethodType are\nthe same as those required in the Uniform Loan\nDelivery Dataset (ULDD).\n\nthat the expected value for\nLoanPriceQuoteInterestRatePercent is the interest\nrate offered to the borrower prior to their electing to\npurchase discount points. This data point is required\nin the UCD XML file when discount points are not\nequal to zero.\n\n▪ If the\n\nRegulationZExcludedBonaFideDiscountPointsIndicator\nis “true,, , the value delivered for\nLoanPriceQuoteInterestRatePercent must be greater\nthan NoteRatePercent or a Phase 4 critical edit will\nfire.\n\n▪ Source the two new data points:\nConstructionMethodType and\nConstructionMethodTypeOtherDescription for inclusion\nin your UCD XML file.\n\nAdditional\nInformation\n\n▪ UCD v2.0 CEM,\nSpecification\nVersion Edits tab.\n\n▪ UCD v2.0 Tab 7 -\nUCD v2.0, UIDs\n4.038, 1.027 and\n1.028.\n\n▪ UCD v2.0 CEM,\nPhase 4 tab\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n5\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nChange\n\nDescription\n\nPotential Impact\n\nAdditional\nInformation\n\nStreamline the UCD\nSpecification by\nremoving unused\ndata\n"} diff --git a/chunks/json/d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0.json b/chunks/json/d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0.json new file mode 100644 index 0000000000000000000000000000000000000000..15b3c6c94d73136d47fcdd85588fe1862cf7bb7a --- /dev/null +++ b/chunks/json/d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27399,"char_start":25646,"chunk_id":"chk_74cfc4331e407407","chunk_index":12,"chunk_sha256":"d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0","token_estimate":438,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"V. Resources includes tables describing each document in the ULDDS and GSE-specific\nloan delivery packages, useful Web references, and a discussion of XML Editor Software.\n\nVI. V3.0 Reference Model Features Not Used in the ULDDS explains concepts included\nin the LDD and Reference Model but not leveraged by the loan delivery data set.\n\nVII. Glossary is a table of potentially unfamiliar terms and their definitions. Throughout\nthe User Guide, words that are defined in the Glossary are shown in red bolded type.\n\nVIII. Acronyms and Abbreviations is a table of the acronyms and abbreviations used\nthroughout this document and their source terms.\n\nIX. Data Points Referenced is an alphabetical list of all the MISMO V3.0 data points used\nin this document.\n\nX. Index provides page references to key concepts within the User Guide.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 6 of 76\n\nSection II. Source of the MISMO Standard\n\nII. Source of the MISMO Standard\n\nA. The MISMO Organization\n\nThe V3.0 Reference Model was created by MISMO, a standards organization created to\npromote and support the common business interests of the commercial and residential\nmortgage markets. MISMO’s mission is to benefit industry participants and consumers of\nmortgage and investment products and services by:\n\nFostering an open process to develop, promote, and maintain voluntary electronic\ncommerce procedures and standards for the mortgage industry, and\n\nEnabling mortgage lenders, investors, servicers, vendors, borrowers, and other parties to\nexchange real estate finance-related information and eMortgages more securely,\nefficiently, and economically.2\n"} diff --git a/chunks/json/d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640.json b/chunks/json/d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640.json new file mode 100644 index 0000000000000000000000000000000000000000..92b3dca44c5125272c51d2ec8a627f491266c3d8 --- /dev/null +++ b/chunks/json/d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22735,"char_start":21010,"chunk_id":"chk_c0766d03d622de57","chunk_index":13,"chunk_sha256":"d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640","token_estimate":431,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Wood\n\nConcrete\n\nConcrete\n\nConcrete\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck - Deck 1 and Deck 2\n\nPatio\n\nDetail\n640 Sq. Ft.\n\n160 Sq. Ft.\n\n240 Sq. Ft.\n\n300 Sq. Ft.\n\nDiving Board\n\nTotal Number - 1\n\nTotal Number - 1\n\nThis is where the Decks photo would display.\n\nThis is where the Patio photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 22\n\nSubject Property Amenities (continued)\n\nPorch\n\nInground Pool\n\nThis is where the Porch photo would display.\n\nThis is where the Inground Pool photo would display.\n\nIndoor Fireplace\n\nWood Stove\n\nThis is where the Indoor Fireplace photo would display.\n\nThis is where the Wood Stove photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC4\nC3\nC4\n\nReconciliation of Overall Quality and Condition\n\nThe exterior was recently painted and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4\ngiven the interior condition of the primary dwelling.\n\nHighest and Best Use\n\nIs the present use of the subject …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123\n"} diff --git a/chunks/json/d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c.json b/chunks/json/d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c.json new file mode 100644 index 0000000000000000000000000000000000000000..eae9c89226f7bd61672f753092c3362755dc4569 --- /dev/null +++ b/chunks/json/d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3339,"char_start":1600,"chunk_id":"chk_5157dec70da959cd","chunk_index":1,"chunk_sha256":"d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c","token_estimate":435,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2021.pdf"]},"text":"Year Loan Was Reported\nUnique Record ID (not actual loan number)\nName of Federal Home Loan Bank District\n2 Digit FIPS State Code\n3 Digit FIPS County Code\nThe Property's Five Digit numeric CBSA; 99999 if\nstate/county/tract combo is not in a CBSA or MSA\n\nThe property's Census Tract of Block Numbering Area\n(BNA)\nThe percentage of the property's census tract\npopulation that is minority.\nThe property's census tract median family income.\n\nThe property's median income for the area based on\nthe most recent decennial census.\nThe total monthly qualifying income used for\nunderwriting in whole dollars for all borrowers on the\nloan.\nCurrent median income for a family of four for the area\nas established by HUD\nThe Amount of unpaid principal balance in whole\ndollars when acquired by the FHLBank.\nThe loan-to-value ratio of the mortgage at time of\norigination.\nYear the mortgage was originated.\nYear the mortgage was acquired.\nPurpose of Loan: 1 = Purchase, 2 = No-Cash Out\nRefinancing, 3 = Second Mortgage, 4 = New\nConstruction, 5 = Rehabilitation or Home\nImprovement, 6 = Cash-out Refinancing, 7 = Other\n\nProduct type of Mortgage: 01=Fixed Rate, 02=ARM,\n03=No Longer in Use, 04=GPM/GEM, 05=Reverse\nAnnuity Mortgage, 06=Other, 07-98=Reserved for\nfuture use\nType of Mortgage and whether the mortgage is\nguaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA\nRural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-\nFHA\nTerm of the Mortgage in Months\nFor Amortizing Mortgages, term of amortization in\nmonths; 998 if non-amortizing loan\nType of Institution from which the FHLBank acquired\nthe mortgage. 01=Insured depository institution,\n02=Housing Associate, 03=Insurance Company,\n04=Non-Federally Insured CU, 05=Non-Depository\nCDFI, 06=Other FHLBank, 09=Other\n"} diff --git a/chunks/json/d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f.json b/chunks/json/d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f.json new file mode 100644 index 0000000000000000000000000000000000000000..5174a5870c8bace4d18b8cc1bb27958d1b89128d --- /dev/null +++ b/chunks/json/d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14081,"char_start":12572,"chunk_id":"chk_8cd2cbfc5df75136","chunk_index":7,"chunk_sha256":"d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.md"]},"text":"- [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - [Next](?page=1)\n - [Last](?page=4)\n\n​Privacy Act Notice*\n This notice is provided pursuant to the Privacy Act of 1974 (Privacy Act), as amended, 5 U.S.C. § 552a. The collection of information is to process and/or respond to your complaint, appeal, inquiry, request for information, to review and post comments on proposed rules/regulations, to review feedback received on FHFA proposed or implemented initiatives, and to compile a list of potential vendors and contractors. The records are used in accordance with Systems of Records Notices (SORN), FHFA-3 Correspondence Tracking System, FHFA-20 Telecommunications System, and FHFA-22 Online Forms. You can view these SORNs by clicking [here](/regulation/federal-register/notice/2009-n-08) and [here](/regulation/federal-register/privacy-act-system-of-records-notice/2012-n-10) and [here](/regulation/federal-register/privacy-act-system-of-records-notice/2013-n-15). Although providing this information is voluntary, failure to provide the requested information may result in your complaint, appeal, inquiry, request, comment, or feedback not being processed and may make it more difficult for FHFA to respond to you.\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"} diff --git a/chunks/json/d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd.json b/chunks/json/d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd.json new file mode 100644 index 0000000000000000000000000000000000000000..0e9b0f81ba8fd556f2a83324f9b8041fc639e276 --- /dev/null +++ b/chunks/json/d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8679,"char_start":7070,"chunk_id":"chk_f16eb3edd3f1e742","chunk_index":4,"chunk_sha256":"d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8cd058ee3404bf51","text_sha256":"d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Statements___FHFA_1jeous.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![Row of pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-6.jpg.webp?itok=uCYkSZNd)\n\n# Statements\n\nDirector statements that offer valuable insights from FHFA leadership.\n\n## Breadcrumb\n\n- [Home](/)\n - [News](/news)\n - Statements\n\n- [News Releases](/news/news-release)\n - [Speeches](/news/speech)\n - [Statements](/news/statement)\n - [Testimonies](/news/testimony)\n - [Fact Sheets](/news/fact-sheet)\n"} diff --git a/chunks/json/d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1.json b/chunks/json/d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1.json new file mode 100644 index 0000000000000000000000000000000000000000..39b80bfecc286a8e70504cd586d74d8e66dfd834 --- /dev/null +++ b/chunks/json/d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":253438,"char_start":251825,"chunk_id":"chk_892cdcc997c42e05","chunk_index":132,"chunk_sha256":"d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 114 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\n7. 3 COMPENSATI ON OF A TH I RD -PARTY LOAN ORI GI NATOR\n\nThe name of any third-party loan originator paid by the lender must be disclosed. The amount paid is recorded\nunder the Paid by Others column, along with the indicator “(L)”. This is the only Origination Charge item that\nrequires identification of the party receiving the payment.\n\nC. LI NE I TEM DATA\n\nTable 95 shows how the UCD file should be populated to support the Origination Charge line items illustrated in\nFigure 77. The charges are shown in the order they appear in the figure.\n\nID\n\nForm Field / Fee\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 95. Origination Charge Line Items\n\n7.2.1 N/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nLender\n\nFIRST INSTANCE OF FEE\n\n7.2.1 % of Loan Amount\n(Points)\n\nFeePercentBasisTyp\ne\n\nOriginalLoanAmoun\nt\n\n7.2.1 % of Loan Amount\n(Points)\n\nFeeTotalPercent\n\n0.2500\n\nNot Shown –\nATR/QM\n\nNeeded to support\nthe calculation of\nthe dollar amount\n\n▪ Needed to\n\nsupport the\ncalculation of the\ndollar amount\n▪ ROF as “0.25%”\n\nROF as “(Points)”\n\n7.2\n\n% of Loan Amount\n(Points)\n\n7.2\n\nN/A - XML\n\n7.2.1 N/A - GSE\n\nFeeType\n\nLoanDiscountPoints\n\nIntegratedDisclosur\neSectionType\n\nOriginationCharges Not Shown\n\nFullName\n\nFicusBank\n\nNot Shown –\nATR/QM\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/LE\nGAL_ENTITY_DETAI\nL\n\n7.2.2 Borrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n405.00\n\nROF as “$405.00”\n\n7.2.2 Borrower-Paid\n\n7.2.2 At Closing\n"} diff --git a/chunks/json/d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b.json b/chunks/json/d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b.json new file mode 100644 index 0000000000000000000000000000000000000000..32adab52e43f9a0cb8be7b25fa93a5f37d384471 --- /dev/null +++ b/chunks/json/d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1607,"char_start":0,"chunk_id":"chk_d026c07003fc38ff","chunk_index":0,"chunk_sha256":"d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d3781bb2ced699d","text_sha256":"d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025.pdf"]},"text":"XML Integration Service (XIS) DNS/IP Address Update\nIntegration Impact Memo\n\nSeptember 17, 2025\n\nFannie Mae is updating the Domain Name System (DNS) infrastructure that supports the XML Integration Service (XIS), which\nfacilitates system-to-system connectivity with Fannie Mae’s Desktop Underwriter® (DU®), Desktop Originator® (DO®), and\nEarlyCheck™.\n\nWhile the production endpoint (direct.efanniemae.com) will remain unchanged, the associated IP address mappings will be\nupdated during the standard maintenance window 1 a.m. to 5 a.m. EST Sunday, February 1, 2026.\n\nAction Required\n\nIf your integrated system(s) rely on static IP address configurations (e.g. firewall rules or allow lists), they must be updated to\nallow the new IP addresses to avoid any disruption in connectivity.\n\nWe recommend that direct integration users leverage the Fully Qualified Domain Name (FQDN) direct.efanniemae.com for any\nallow list used during connectivity. If your organization is not able to allow list using the FQDN, then please contact Fannie Mae’s\nIntegration Support team.\n\nNext Steps -\n\nAs part of the next steps, if you are currently using static IP address configurations (e.g. firewall rules or allow lists),\nplease follow the following steps.\n\n• Obtain updated IP addresses from Fannie Mae Integration Support team, integration_support@fanniemae.com\n\n• Coordinate connectivity testing and confirm successful response by Friday, January 16, 2026\n\nDNS/IP Address Update and Connectivity Testing\n\nTo help facilitate a smooth and uninterrupted transition during the DNS update, please complete the following steps:\n"} diff --git a/chunks/json/d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab.json b/chunks/json/d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab.json new file mode 100644 index 0000000000000000000000000000000000000000..aa08011166dc2eb2610c820069481b32c144d5ae --- /dev/null +++ b/chunks/json/d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19921,"char_start":18242,"chunk_id":"chk_c795d9e1ba4302fd","chunk_index":11,"chunk_sha256":"d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab","token_estimate":419,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 11 of 22\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend\n\nThis is where the Price Trend graph would display.\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Information Data Source Property Management\n\nMandatory Fees (HOA, PUD, or Co-op)\n\nCompany\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\n$284\n\nClubhouse\nFitness Area\nInground Pool\nRecreation Area\nSnow Removal\nNone\n\nProject Factors and Impact to Value/Marketability\n\nProject Factor\nDeveloper/Sponsor in Control\n\nKnown Legal Actions\n\nUnit Special Assessments\n\nUnit Tax Abatements or Exemptions\n\nDetail\nNo\n\nNone\n\nNone\n\nNone\n\nProject Information Commentary\n\nProject amenities are typical to the market.\n\nImpact\n\nComment\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 22\n\nProject Information (continued)\n\nProject Information Exhibits\n\nCommon Amenity or Service - Project Pool\n\nThis is where the Project Pool photo would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nOff Market\n\nMLS\n\nListing ID\nFQ999999\n\nFQ999956\n\nStart Date\n03/15/2019\n\n02/01/2019\n\nEnd Date\n04/15/2019\n\n02/16/2019\n\nDOM\n30\n\n15\n\nTotal DOM 45\n\nStarting\nList Price\n$875,000\n\n$1,350,000\n\nCurrent or\nFinal List Price\n\n$875,000\n\n$1,350,000\n\nAnalysis of Subject Property Listing History The subject is currently under contract for $866,000. Days on market appears to be typical for\nthe area.\n"} diff --git a/chunks/json/d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62.json b/chunks/json/d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62.json new file mode 100644 index 0000000000000000000000000000000000000000..2e9c2a83ed2bc1b6c90d51ad30160c59be9d05b4 --- /dev/null +++ b/chunks/json/d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30611,"char_start":29989,"chunk_id":"chk_4357cabb108d43e4","chunk_index":48,"chunk_sha256":"d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62","token_estimate":501,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Comparable Rental Properties (H1) .................................................................................................................... 66\n\nComparable Rental Analysis (H1) ....................................................................................................................... 67\n\nRental Analysis Commentary (H1) ...................................................................................................................... 68\n\nRental Information Exhibits (H1) ........................................................................................................................ 68\n"} diff --git a/chunks/json/d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b.json b/chunks/json/d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b.json new file mode 100644 index 0000000000000000000000000000000000000000..b4a6b8d259d5b0501c6b9630dc0a1a93490e6ed7 --- /dev/null +++ b/chunks/json/d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":100525,"char_start":98752,"chunk_id":"chk_2ef02bc128a51db3","chunk_index":56,"chunk_sha256":"d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When rental property is reported through a partnership or an S corporation, but the borrower is personally obligated on the\nmortgage, the property must be included in the count of financed properties and is subject to the requirements for multiple financed\nproperties as indicated in Selling Guide B2-2-03, Multiple Financed Properties for the Same Borrower. See also Selling Guide B3-3.4-01,\nAnalyzing Partnership Returns for a Partnership or LLC and Selling Guide B3-3.4-02, Analyzing Returns for an S Corporation.\n\nRental Income Calculation Tools\n\nFannie Mae publishes four worksheets that lenders may use to calculate rental income. The Income Calculator may also be used\nto calculate certain rental income. Use of Income Calculator or these worksheets is optional. The worksheets are:\n\n• Rental Income Worksheet – Principal Residence, 2– to 4–unit Property (Form 1037),\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 42 of 166\n\nUAD 3.6 Policy\n\n• Rental Income Worksheet – Individual Rental Income from Investment Property(s) (up to 4 properties) (Form 1038), or\n\n• Rental Income Worksheet – Individual Rental Income from Investment Property(s) (up to 10 properties) (Form 1038A).\n\nSee Selling Guide B3-3.1-10, Income Calculator, for additional information.\n\nReporting of Gross Monthly Rent\n\nEligible rents on the subject property (gross monthly rent) must be reported to Fannie Mae in the loan delivery data for all two- to\nfour-unit principal residence properties and investment properties, regardless of whether the borrower is using rental income to\nqualify for the loan. If the borrower is using rental income from the subject property to qualify for the loan, all of the applicable\nrequirements above must be followed to document and calculate the income.\n"} diff --git a/chunks/json/d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8.json b/chunks/json/d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8.json new file mode 100644 index 0000000000000000000000000000000000000000..9e7fa06b25ab3b5ed7aa5f129de9fdd2eb2c431b --- /dev/null +++ b/chunks/json/d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10726,"char_start":8839,"chunk_id":"chk_8252915e01edb00d","chunk_index":5,"chunk_sha256":"d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8","token_estimate":472,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"Loans that are eligible for housing goals credit are mortgages on owner-occupied housing with one to four units. The mortgages must be conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. This page provides data on Enterprise performance and activity related to the single-family housi​​ng goals. A full [glossary of terms](#glossary) is provided below.\n\n**Single-Family Housing Goal Loan Segments: State-Level Data**\n\nFHFA is publishing state-level data for each single-family goal loan purchase and refinance segment. It is important to note that FHFA does not set state-level targets but only at the national level.\n\nThese tables provide the Enterprises' share in each state along with the market share, as calculated by FHFA using the 'static' HMDA data for each year to determine Enterprise housing goals performance each year. It is important to note that HMDA state-level data are impacted by the number of HMDA-exempt reporters in each state. For more information on HMDA reporting requirements, visit the [CFPB HMDA Reporting Requirements page](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/).\n\n## Data\n\nYear Format 2024 [[XLSX]](/document/enterprise_housing_goals_state_data_2024.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2024.zip) 2023 [[XLSX]](/document/enterprise_housing_goals_state_data_2023.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2023.zip) 2022 [[XLSX]](/document/enterprise_housing_goals_state_data_2022.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2022.zip) 2018-2021 [[XLSX]](/document/enterprise_housing_goals_state_data_2018-2021.xlsx)\n"} diff --git a/chunks/json/d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560.json b/chunks/json/d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560.json new file mode 100644 index 0000000000000000000000000000000000000000..d35c0437fa0112950193ee26562c0af733217013 --- /dev/null +++ b/chunks/json/d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560.json @@ -0,0 +1 @@ +{"chunk":{"char_end":128515,"char_start":126785,"chunk_id":"chk_e67ee118ad847764","chunk_index":68,"chunk_sha256":"d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The PRORATION_ITEM structure\nPREPAID_ITEM. The data points used to provide this information are all held in one child container.\n\nis straightforward and simple compared with CLOSING_ADJUSTMENT_ITEM and\n\nTable 30. XML File Container Structure for Proration Item Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.116\n\nPRORATION_ITEMS\n\n999.117\n\nPRORATION_ITEM\n\nMISMO construct. Plural of singular child container\nPRORATION_ITEM holds up to 60 sequential occurrences of\nPRORATION_ITEM.\n\nHolds child containers and data points making up a prorated\nline item. Up to 60 may be delivered.\n\nProrations are rendered on the Summaries of Transactions table as adjustments either paid or unpaid by the property seller.\n\nFigure 39. Rendering Proration Item Data on the CD.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n\n11.0.1\n\nAdjustments for Items Paid by Seller in Advance\n\n11.6 City/Town Taxes 4/15/24 to 4/30/24\n\n11.9 HOA Dues 4/15/24 to 4/30/24\n\n11.6.1\n\n$5.00\n\n11.9.1\n\n$3.00\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.0.1\n\nAdjustments for Items Unpaid by Seller\n\n12.8 City/Town Taxes 4/15/24 to 4/30/24\n\n12.11 Utilities 4/15/24 to 4/30/2014\n\n12.8.1\n\n$36.00\n\n12.11.1\n\n$10.00\n\nThe line items illustrated above are listed in the following Spec excerpt; each line item is rendered from the same data points.\nOnly the values for the section and subsection type change.\n\nTable 31. UCD v2.0 Spec Excerpt - Proration Line Items Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSI\nNG_INFORMATION/PRORATION_ITEMS/PRORATION_ITEM\n"} diff --git a/chunks/json/d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f.json b/chunks/json/d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f.json new file mode 100644 index 0000000000000000000000000000000000000000..881fdf2eac2e4730ee6ee9e2a0f129cf3b05c0ab --- /dev/null +++ b/chunks/json/d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12978,"char_start":11203,"chunk_id":"chk_5cf730ad56235991","chunk_index":6,"chunk_sha256":"d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a92ea8dcd0a3399d","text_sha256":"d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Home___FHFA_yqzops.md"]},"text":"- ## News Release\n\n![U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/sites/default/files/2026-01/PAR-FY2025-homepage-card-image_0.jpg)\n\nJanuary 23, 2026\n\nU.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the safety and soundness and housing affordability mission of Fannie, Freddie, and the Federal Home Loan Banks during fiscal year 2025.\n\n[Read More](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit)\n\n- ## News Release\n\n![FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/sites/default/files/2025-12/hpi-december-2025-homepage-card-image.jpg)\n\nDecember 30, 2025\n\nU.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was revised downward to a 0.1 percent decline.\n\n[Read More](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year)\n\n[View More](/news)\n\n## Spotlight Topic\n\n- ![Suspension red stamp](/sites/default/files/2025-02/suspension-in-red-ink.jpg)\n\n### ​Suspended Counterparty\n\nFHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct.\n"} diff --git a/chunks/json/d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3.json b/chunks/json/d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3.json new file mode 100644 index 0000000000000000000000000000000000000000..e2f46923fbe9b62c822c386de7ef0ada54c99a1e --- /dev/null +++ b/chunks/json/d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":428,"char_start":0,"chunk_id":"chk_3167e87e0b3fbe0f","chunk_index":0,"chunk_sha256":"d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_08f1c25478780eb8","text_sha256":"d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3","token_estimate":112,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Fannie_Mae_Authentication___Authorization_Services_c6udf4.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/external-resource/ucd-test-environment\"\ndate_accessed: \"2026-01-27T18:02:20.125Z\"\n---\n\nSign On\n\nUsername\n\n* Required\n\n!\n\nfm.external.html.form.login.template.missingField\n\nPassword\n\n* Required\n\n!\n\nfm.external.html.form.login.template.missingField\n\n[Sign On]()\n\n[Need help with unlocking your user ID or resetting your password?](https://passwordreset.fanniemae.com/)\n"} diff --git a/chunks/json/d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5.json b/chunks/json/d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5.json new file mode 100644 index 0000000000000000000000000000000000000000..5b29bf5db7b18b996060387e6ed297db634f69b5 --- /dev/null +++ b/chunks/json/d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":663999,"char_start":662397,"chunk_id":"chk_27a78c7eaba1e641","chunk_index":395,"chunk_sha256":"d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Number\n\nReport\nField ID\n\n23.03.11\n23.03.35\n\n23.03.12\n23.03.36\n\nBaths – Full |\nHalf\n\n23.03.12\n23.03.36\n\nBaths – Full |\nHalf\n\nAlways\n\nAlways required\n\nNumber\n\nAlways\n\nAlways required\n\nNumber\n\n23.03.13\n23.03.37\n\nFinished Area Always\n\nAlways required\n\nNumber of square\nfeet\n\nUnit Interior\n•\n\nTotal Bedrooms\n10.023\n\nUnit Interior\n•\n\nTotal Bathrooms -\nFull 10.024\n\nUnit Interior\n•\n\nTotal Bathrooms -\nHalf 10.025\n\nUnit Interior\n•\n\n•\n\n•\n\n•\n\nAbove Grade\nFinished Area\n10.003\nAbove Grade\nFinished Area\n(Nonstandard)\n10.004\nBelow Grade\nFinished Area\n10.006\nBelow Grade\nFinished Area\n(Nonstandard)\n10.007\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nFinished Area of Unit: The total finished area of the unit regardless of\ngrade level.\n•\n\nFor the subject property, calculated: Above Grade Finished Area +\nAbove Grade Finished Area (Nonstandard) + Below Grade Finished\nArea + Below Grade Finished Area (Nonstandard).\nFor the comparables, report all finished areas regardless of grade\nlevel, standard or nonstandard, as a single number in Finished Area\nof Unit.\n\n•\n\nUnit Furnished: Indicates whether furniture is included in the rent for the\nunit.\n\nUtilities / Services Included: Indicates whether any utilities and services\n(e.g., electric, heat, water, or internet) are included in the rent for the\nunit.\n\nUnit Subject to Rent Control: Indicates whether the unit is subject to rent\ncontrol.\n\nRent Concessions: Indicates whether monetary concessions are included\nin the terms of the lease for the unit.\n\n23.03.14\n23.03.38\n\n23.03.15\n23.03.39\n\n23.03.16\n23.03.40\n\nFurnished\n\nIf relevant\n\nIf relevant\n\nUtilities /\nServices\nIncluded\n"} diff --git a/chunks/json/d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c.json b/chunks/json/d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c.json new file mode 100644 index 0000000000000000000000000000000000000000..841425bbe78aeeccadb6b47861eff5b7477d3992 --- /dev/null +++ b/chunks/json/d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10273,"char_start":8665,"chunk_id":"chk_ceecf54647ce51d9","chunk_index":5,"chunk_sha256":"d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ae065bd8686d7b0d","text_sha256":"d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA___Privacy___FHFA_bc0jek.md"]},"text":"## Freedom of Information Act\n\n[The Freedom of Information Act (FOIA), 5 U.S.C. § 552](http://www.justice.gov/oip/foia_updates/Vol_XVII_4/page2.htm), was enacted in 1966 and provides that any person has a right, enforceable in court, to obtain access to federal agency records, except to the extent that any portions of such records are protected from public disclosure by one of nine exemptions or by one of three special law enforcement record exclusions. The FOIA thus established a statutory right of public access to Executive Branch information in the federal government.\n\nFor Information on FHFA Headquarters' and FHFA OIG's FOIA programs, including how and where to file a FOIA request for records\n click on the link: [Learn More](https://www.fhfaoig.gov/FOIA)\n\n## Privacy Act\n\nThe [Privacy Act of 1974, 5 U.S.C. § 552a](http://www.justice.gov/opcl/privstat.htm), establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.\n\nFor Information on FHFA Headquarters' and FHFA OIG's Privacy Act program, including how and where to file a Privacy Act request for records\n click on the link: [Learn More](https://www.fhfaoig.gov/privacy)\n\n## Additional Information\n\nThis section provides additional information related to FOIA & Privacy.\n"} diff --git a/chunks/json/d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9.json b/chunks/json/d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9.json new file mode 100644 index 0000000000000000000000000000000000000000..17c5d54f6ca10a2652972db95cbbe8c07eae2999 --- /dev/null +++ b/chunks/json/d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":382426,"char_start":380808,"chunk_id":"chk_72139121744a04bd","chunk_index":226,"chunk_sha256":"d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required for all\nVehicle Storage Types\nexcept driveways or\nshared driveways with\n10 or more spaces\n\nAllowable\nAnswers / Format\n\nYes | No\n\nWhole number\n\nDefinition / Additional Guidance\n\n10 or More Parking Spaces:\n•\n\nSelect Yes if the driveway or shared driveway has 10 or more parking\nspaces. In this case, “10 or More” displays.\nSelect No if the driveway or shared driveway has less than 10 parking\nspaces, and provide the number of parking spaces.\n\n•\n\nDedicated Parking Spaces: The number of parking spaces dedicated to the\nproperty within the indicated Vehicle Storage Type. A parking space is defined\nas the area that accommodates a vehicle. For example, Number of Parking\nSpaces would be 2 if the garage had:\n•\n•\n\nTwo tandem (back-to-back) spaces accessed by a single garage door, or\nTwo side-by-side spaces, whether accessed by a double garage door or\ntwo single garage doors.\n\nNotes:\n•\n•\n\n•\n\n•\n\nEnter a number between 1 and 9 for driveways and shared driveways.\nEnter zero (0) for common parking areas in which the property does not\nhave any dedicated spaces.\nIf the vehicle storage is shared, only include spaces specifically dedicated\nto the property.\nHalf spaces are accounted for in the overall size reported as Vehicle\nStorage Area (13.003), not as a parking space.\n\n13.002 Number of\n\nParking Spaces\n\n13.003 Detail\n\nRequired if Vehicle\nStorage Type is\nCommon Carport,\nOpen Lot or Parking\nGarage\n\nRequired if Vehicle\nStorage Type is\nCarport or Garage\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nParking Space Assignment Type: The ownership rights to the parking space(s).\n•\n"} diff --git a/chunks/json/d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606.json b/chunks/json/d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606.json new file mode 100644 index 0000000000000000000000000000000000000000..b09b8c6c6d8835303a04b3da5cf37d32de618408 --- /dev/null +++ b/chunks/json/d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14724,"char_start":12549,"chunk_id":"chk_1591b3bec2a1f0c7","chunk_index":7,"chunk_sha256":"d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19e26ae5e9347dd1","text_sha256":"d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/William_J__Pulte___FHFA_yvavr.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/901\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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Ft.\n\n14,500 Sq. Ft.\n\nHilltop Hills\n\nWoodland Hills\n\nResidential | Full\n\nResidential | Full\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$1,900\n\n01/31/2024\n\n03/01/2024\n\n52\n\nDetached\n\n14,750 Sq. Ft.\n\nWoodland Hills\n\nResidential | Full\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n2018\n\n2018\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n| Natural Gas\n\n2018\n"} diff --git a/chunks/json/d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26.json b/chunks/json/d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26.json new file mode 100644 index 0000000000000000000000000000000000000000..3404e7311db9178571ac18014e1c72193e3cdaaf --- /dev/null +++ b/chunks/json/d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38651,"char_start":36959,"chunk_id":"chk_2b223b0bc7223a2b","chunk_index":22,"chunk_sha256":"d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"The type of report submitted to the UCDP, i.e.,\nURAR, Restricted Appraisal Update Report, and\nCompletion Report.\n\nThe Document Type values displayed in the SSR PDF\nare: Appraisal Report (URAR), Valuation Update\n\nReport Type\n\nUpdate\nReport\nX\n\nCompletion\nReport\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nBoth\n\nBoth\n\nFRE\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nBoth\n\nX\n\nX\n\nX\n\nFormat\nType\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nPDF Data Point Name\n\nJSON SSR\nField Name\n\nDefinition / Description\n\nAppears on…\n[FNM, FRE, Both] *\n\nReport Type\n\nURAR\n\nUpdate\nReport\n\nCompletion\nReport\n\nFormat\nType\n\nPDF / JSON\n\nEffective Date of\nAppraisal\n\nappraisalReportEffect\niveDate\n\nFindings Category\n\nfindingCategory\n\n{Appears as section\nheader, does not appear\nas discrete data point on\nPDF}\n\n(Restricted Appraisal Update Report), Valuation\nCompletion (Completion Report).\n\nThe date of when the appraiser’s analyses, opinions,\nand conclusions regarding the subject property’s\nvalues apply, (i.e., are effective).\n\nNote: This date should match the “Original Effective\nDate of Appraisal” on the Restricted Appraisal\nUpdate Report and Completion Report.\n\nDefines the type of message (or finding) returned\nwithin the section. Types of findings that are\ncaptured within the SSR: System Findings, UAD\nCompliance Findings, or Fannie Mae Proprietary\nFindings / Freddie Mac Proprietary Findings.\n"} diff --git a/chunks/json/d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82.json b/chunks/json/d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82.json new file mode 100644 index 0000000000000000000000000000000000000000..225ba9806dac2adedbe231e0f2a7769bb9feec2d --- /dev/null +++ b/chunks/json/d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18996,"char_start":17200,"chunk_id":"chk_8876f6000923a89d","chunk_index":8,"chunk_sha256":"d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82","token_estimate":449,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Military Owner Occupancy\nUsed to identify loans delivered as principal residence properties where a military service\nmember is unable to occupy the property due to active-duty military service.\n\nENERGY STAR-Certified Improvement\nUsed to identify a HomeStyle Renovation or HomeStyle Energy loan that includes financing of\none or more ENERGY STAR-certified improvements. This SFC must be used in conjunction\nwith SFC 375 (HomeStyle Energy Improvements).\n\nValue Acceptance + Property Data\nUsed to identify a DU loan for which the lender has exercised the offer to determine the\nproperty is eligible based on interior and exterior property data collected by an eligible third-\nparty property data collector. (An appraisal if not obtained.)\nApproved Vendor Tool: SEI\nUsed to identify loans eligible for representation and warranty relief on the amount of self-\nemployment income entered in DU when that amount is calculated using an approved vendor\ntool (subject to certain conditions).\n\nENERGY STAR Green Building Certification for Green Bonds\nUsed to identify a mortgage loan secured by a property with an ENERGY STAR® green\nbuilding certification for residential new construction.\n\nARM with Fallback Language\nUsed to track ARM loans originated with the updated note and rider containing new fallback\nlanguage that applies if the index is no longer a viable index (not applicable to SOFR ARM\nloans).\n\nSingle-width Manufactured Home\nUsed to identify a mortgage loan secured by a single-width manufactured home built on a\npermanent chassis and attached to a permanent foundation system and legally classified as\nreal property.\nDelivery is optional – code is auto-derived\nCertified Shared Equity Program List\nUsed to identify loans associated with a program on the Certified Shared Equity Program List.\n"} diff --git a/chunks/json/d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d.json b/chunks/json/d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d.json new file mode 100644 index 0000000000000000000000000000000000000000..e865ba5d42dab757158a0ea74fe70663183ac5cf --- /dev/null +++ b/chunks/json/d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27586,"char_start":26955,"chunk_id":"chk_036e3fca4c1ab4ff","chunk_index":43,"chunk_sha256":"d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d","token_estimate":516,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Project Information Exhibits (H1) ....................................................................................................................... 57\n\nSubject Listing Information ............................................................................................................................ 57\n\nSubject Listing Information Exhibits (H1) ........................................................................................................... 57\n\nSales Contract ................................................................................................................................................ 57\n"} diff --git a/chunks/json/d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6.json b/chunks/json/d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6.json new file mode 100644 index 0000000000000000000000000000000000000000..cc5e98aedf47270abc45ee10fa7d6dce7671e5c6 --- /dev/null +++ b/chunks/json/d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12955,"char_start":11334,"chunk_id":"chk_73a52244599419cd","chunk_index":7,"chunk_sha256":"d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Yes\nYes\n\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?\n\nYes No\n \n\nMarket\n\nMarket Area Boundary The subject’s market area is framed to the North by I-70, to the East by Main Street, to the South and West by George\nWashington Park.\n\nSearch Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built\nwithin the past 10 years, located within the subject’s market area (east of Washington Park) during the past 12 months.\n\nSearch Result Metrics\n\nActive Listings 7\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\n52\n$325,000\n$349,000\n$369,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n43\n$325,000\n$340,000\n$370,000\nNo\nPrice Trend\nABC MLS\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThe Price Trend graph indicates no measurable change in prices during the identified lookback period.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 9 of 19\nPage 9 of 19\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend\n\nThis is where the Price Trend graph would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nMLS\n\nPrior Sale and Transfer History\n"} diff --git a/chunks/json/d7782a5d80fbdea9819a9ac5c2f63cdfc2bbb44fedd93d51bfe65445e5d1dfe5.json b/chunks/json/d7782a5d80fbdea9819a9ac5c2f63cdfc2bbb44fedd93d51bfe65445e5d1dfe5.json new file mode 100644 index 0000000000000000000000000000000000000000..bd0a6090c8638d691779ec0dd4df371b3a47a9c4 --- /dev/null +++ b/chunks/json/d7782a5d80fbdea9819a9ac5c2f63cdfc2bbb44fedd93d51bfe65445e5d1dfe5.json @@ -0,0 +1 @@ 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[USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34881\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"\\/news\\/statement\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"better_exposed_filters\":{\"datepicker\":true,\"datepicker_options\":[]},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/d784a060005936b9458f082f7968e6de1fc8aee8b157bcd5c4c47dc4442ee3e9.json b/chunks/json/d784a060005936b9458f082f7968e6de1fc8aee8b157bcd5c4c47dc4442ee3e9.json new file mode 100644 index 0000000000000000000000000000000000000000..eda7b4beb04d4f1e770328a548e78316f2e9429e --- /dev/null +++ b/chunks/json/d784a060005936b9458f082f7968e6de1fc8aee8b157bcd5c4c47dc4442ee3e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18285,"char_start":16656,"chunk_id":"chk_5da5c73d1294d972","chunk_index":10,"chunk_sha256":"d784a060005936b9458f082f7968e6de1fc8aee8b157bcd5c4c47dc4442ee3e9","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"d784a060005936b9458f082f7968e6de1fc8aee8b157bcd5c4c47dc4442ee3e9","token_estimate":407,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Amenity Category\n\nSubject Property Amenity\n\nMaterial\n\nDetail\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\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nSubject Property Amenities Commentary\n\nSubject Property Amenities Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality - [Structure Identifier]\nInterior Quality - [Unit Identifier]\n\nReconciliation of Overall Quality and Condition\n\nOverall Condition\n\nExterior Condition - [Structure Identifier]\nInterior Condition - [Unit Identifier]\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nFinancially Feasible\nMaximally Productive\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nHighest and Best Use Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a.json b/chunks/json/d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a.json new file mode 100644 index 0000000000000000000000000000000000000000..5ce29ae36f0c46c0a2df4f68848e597a85962f7a --- /dev/null +++ b/chunks/json/d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1613,"char_start":0,"chunk_id":"chk_b3fe0ccbbedebace","chunk_index":0,"chunk_sha256":"d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"AssessorRecord\n\nBuilderOrDeveloper\n\nOther\n\nReal Estate Agent\n\nHomeownersAssociation\n\nMLS\n\n32495234\n\nMLS\n\n23458202\n\nMLS\n\n25394502\n\nMLS\n\n12458450\n\nMLS\n\n2342532\n\nMLS\n\n3425353\n\nMLS\n\n32453404\n\nMLS\n\n5420130\n\nMLS\n\nThreeDimensionalScan\n\nBlank Gazette\n\n8675309 Jenny Ln\n\nAnytown\n\nBlank\n\n54321\n\nIL\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\n626\n\nAttached\n\nGarage\n\n3\n\nImpactResistantGlass\n\nImpactResistantShingles\n\nfalse\n\ntrue\n\nfalse\n\nNeutral\n\nUS Green Building Council\n\n2018\n\nGold\n\nLEED\n\nV4\n\nNone\n\nNone\n\n500\n\nMonthly\n\nAssociationDues\n\nNone\n\nAssociationSpecialAssessment\n\nNone\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\ntrue\n\n2018\n\nfalse\n\nFamilyRoom\n\n1\n\nNone\n\nCarpet\n\nNewOrLikeNew\n\nCarpet is Nylon short loop.\n\nCeramicTile\n\nNewOrLikeNew\n\n18\" square stone tile.\n\nEngineeredWood\n\nNewOrLikeNew\n\n6\" engineered oak plank.\n\nNylon Short Loop and Engineered Wood\n\nFlooring\n\nFullyUpdated\n\nNewOrLikeNew\n\nBeamed 10' ceilings on the first level.\n\n9 Ft. and 10 Ft. | Custom\n\nWallsAndCeiling\n\nNineFeet\n\nTenFeetAndAbove\n\nBeams\n\nInteriorAndExteriorAccess\n\nWalkOut\n\nPartiallyBelowGrade\n\n1232\n\nBelowGradeOne\n\n320\n\nAboveGrade\n\n1552\n\nLevelOne\n\n0\n\n0\n\n320\n\n0\n\n0\n\n1552\n\n1232\n\n2784\n\nfalse\n\n3\n\n2\n\n1\n\nC1\n\nQ3\n\n2\n\nMixture of Tile and Granite\n\nFullyUpdated\n\nSimilar\n\ntrue\n\nfalse\n\nVacant\n\nDriveway\n\n4\n\nGarage\n\n3\n\nBedroom 1\n\n\\\\Images\\Condo2_Bedroom1.jpg\n\nimage/jpeg\n\nBelowGradeOne\n\nBedroom\n\nBedroom 2\n\n\\\\Images\\Condo2_Bedroom2.jpg\n\nimage/jpeg\n\nBelowGradeOne\n\nBedroom\n\n\\\\Images\\Condo2_FullBath1.jpg\n\nimage/jpeg\n\nBelowGradeOne\n\nNewOrLikeNew\n\nTile on the floor, walls, and shower; granite counters.\n\nFullBathroom\n\nLessThanOneYear\n\nFullyUpdated\n\n\\\\Images\\Condo2_FamilyRoom1.jpg\n"} diff --git a/chunks/json/d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047.json b/chunks/json/d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047.json new file mode 100644 index 0000000000000000000000000000000000000000..c9daea160b6b747d8f44f074f0af121d8d29e637 --- /dev/null +++ b/chunks/json/d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047.json @@ -0,0 +1 @@ +{"chunk":{"char_end":157210,"char_start":155604,"chunk_id":"chk_f9242ec94c2f1c80","chunk_index":88,"chunk_sha256":"d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047","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":"• borrower name;\n• property address;\n•\n•\n•\n• one of the following\n\ncertification language that the alteration or repair was satisfactorily completed;\nsignatures and date of the borrower;\nvisually verifiable exhibits of the completed work; and\n\nsignature of the qualified professional,\n\no\no a professionally prepared report, or\no paid invoices for the alterations or repairs.\n\nWhen either of these attestation letter options is used, a link within the letter to any digital exhibits is acceptable but must be\naccessible by Fannie Mae for the life of the loan. These exhibits must be unaltered and able to be authenticated using metadata\nand the geocode for the subject property. The letter and all documentation must be retained in the loan file.\n\nCriteria for Use of the Completion Report and Completion Alternatives\n\nUse the table below to determine the appropriate option for verifying completion of construction, alterations, or repairs.\n\nAppraisal\n\nMarket Value Condition\n\nPerformer\n\nDocumentation Options\n\nAppraiser\n\nCompletion Report with an on-site\ninspection\n\nNew or proposed construction -\nsubject to completion per plans\n(and specifications)\n\nAppraiser\n\nCompletion Report with virtual inspection\n\nBorrower and builder\n\nBorrower/builder attestation letter with\nsupporting evidence\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 66 of 166\n\nUAD 3.6 Policy\n\nAppraiser\n\nCompletion Report with an on-site\ninspection\n\nExisting construction - subject to\nrepairs (or alterations)\n\nAppraiser\n\nCompletion Report with virtual inspection\n\nBorrower\n\nBorrower attestation letter with supporting\nevidence\n"} diff --git a/chunks/json/d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d.json b/chunks/json/d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d.json new file mode 100644 index 0000000000000000000000000000000000000000..9200c2f2132f58eedca2d8d030dfaf265c9bf29e --- /dev/null +++ b/chunks/json/d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":354177,"char_start":352905,"chunk_id":"chk_49645fe011129ef6","chunk_index":195,"chunk_sha256":"d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"0811.6 City/Town Taxes 4/15/14 to 4/30/14\n\n0911.7 County Taxes __ to__\n\n1011.8 Assessments __ to __\n\n1111.9 HOA Dues 4/15/14 to 4/30/14\n\n11.6.1\n\n11.7.1\n\n11.8.1\n\n11.9.1\n\n$50.00 0914.4 City/Town Taxes 4/15/14 to 4/30/14\n\n1014.5 County Taxes __ to __\n 1114.6 Assessments __ to __\n$30.00 1214.7 HOA Dues 4/15/14 to 4/30/14\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00\n\n15.0 N. Due from Seller at Closing\n\n0112.1 Deposit\n\n0212.2 Loan Amount\n\n12.1.1\n\n$10,000.00 0115.1 Excess Deposit\n\n12.2.1 $211,000.00 0215.2 Closing Costs Paid at Closing (J)\n\n0312.3 Existing Loan(s) Assumed or Taken Subject to 12.3.1\n0412.4 Second Loan (Principal Balance $10,000)\n\n12.4.1\n\n0315.3 Existing Loan(s) Assumed or Taken Subject to\n 0415.4 Payoff of First Mortgage Loan\n\n$2,000.00\n\n05\n\nSatisfaction of Junior Lien ($5,000 POC\nBorrower)\n\n0612.5 Seller Credit\n\n12.6 Other Credits\n\n0515.5 Payoff of Second Mortgage Loan\n 0615.6\n 07\n\n12.5.1\n\n12.6.1\n\n$2,500.00 0815.7 Seller Credit\n 09 15.8\n\n07\n\nRebate from Epsilon Title Company\n\n$750.00\n\n10\n\n12.7 Adjustments\n\n12.7.1\n\n07\n\nRelocation Funds from Employer, Inc.\n\n$300.00\n\nAdjustments for Items Unpaid by Seller\n\n1212.8 City/Town Taxes 4/15/14 to 4/30/14\n\n1312.9 County Taxes __ to __\n\n1412.10 Assessments __ to __\n"} diff --git a/chunks/json/d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b.json b/chunks/json/d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b.json new file mode 100644 index 0000000000000000000000000000000000000000..9417d82cdb34e669c9cb9a7722c9feec3b4eb368 --- /dev/null +++ b/chunks/json/d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6640,"char_start":4990,"chunk_id":"chk_4697bea509bc887d","chunk_index":3,"chunk_sha256":"d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b","token_estimate":412,"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":"Jennifer James and Jennifer Jones are the same person with a last name change.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n123 Anywhere St\nSome City, VA 20141\nAlpine\nMagic Hill\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nYes\n\nDescription of Special Assessments and Impact to Value/\nMarketability Special assessment is for grading the road surface,\ncondition and utility comparable to other competing properties\nresulting in no impact to value.\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance of\nDwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nRights Not Included\n\nNo\nMineral Rights\n\nDescription of Rights Not Included Mineral rights not included,\ntypical for the area.\n\nLegal Description\n\nSection 23 Township 3S Range 3E Tax Lot 00700 and 00700B\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 3 of 30\nPage 3 of 30\n\nSite\n\nTotal Site Size\n\n5 Acres\n\nAssessor Parcel Number (APN)\n919845\n\n919846\n\nZoning\n\nCompliance\nImpact\n\nNo Zoning\nNeutral\n\nDescription of Zoning Compliance No zoning typical to County\nProperty Use\n\nPrimarily Residential\nNon-Residential Use\nNon-Residential Modification\n\nYes\nAgricultural\nYes\n\nDescription of Non-Residential Use/Modification Board fencing\naround entire property to the barn.\n"} diff --git a/chunks/json/d7c991cd6127eb5183eb61673f6ca29b440a139c0b0114ca7279819926aa0661.json b/chunks/json/d7c991cd6127eb5183eb61673f6ca29b440a139c0b0114ca7279819926aa0661.json new file mode 100644 index 0000000000000000000000000000000000000000..c80a60ec4e27fe29d2e2563e9763144ba731a532 --- 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Media room has custom cabinetry for speakers\nand media devices.\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Half\n\nLevel B1 - Media Room\n\nThis is where the Half Bathroom photo would display.\n\nThis is where the Media Room photo would display.\n\nLevel B1 - Recreation Room\n\nLevel B1 - Wet Bar\n\nThis is where the Recreation Room photo would display.\n\nThis is where the Wet Bar photo would display.\n\nLevel 1 - Bath - Full - Bath 3\n\nLevel 1 - Family Room\n\nThis is where the Full Bath photo would display.\n\nThis is where the Family Room photo would display.\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n"} diff --git a/chunks/json/d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac.json b/chunks/json/d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac.json new file mode 100644 index 0000000000000000000000000000000000000000..e9d54256d3f587a011a0ff1f767593b482a09152 --- /dev/null +++ b/chunks/json/d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19889,"char_start":18278,"chunk_id":"chk_fda79507a1cf5a69","chunk_index":19,"chunk_sha256":"d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"bold font.\n\nFigure 1 - 3\n\n02 Original Appraisal\n\nThe Original Appraisal section contains information from the original appraisal report.\n\nPage 13\n\nThe Original Appraisal section always displays (Figure 2 - 1)\n\nRestricted Appraisal Update Report: Original Appraisal\n\nReport\nField ID\n\n02.001\n\n02.002\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nEffective Date of\nAppraisal\nOpinion of Market\nValue\n\n2800.0008 OriginalAppraisalEffectiveDate\n\n2800.0009 OriginalAppraisedValueAmount\n\n2900.0005 OriginalAppraisalMarketingOrExposureDaysCount\n\n02.003\n\nReasonable Exposure\nTime\n\n2900.0006\n2900.0007\n\nOriginalAppraisalMarketingOrExposureHighRangeDaysCount\nOriginalAppraisalMarketingOrExposureLowRangeDaysCount\n\n02.004\n02.005\n02.006\n\nAppraiser\nReference ID\nOriginal Lender\n\n2900.0018 OriginalAppraiserUnparsedName\n2900.0017 OriginalAppraiserFileIdentifier\n2900.0057 OriginalLenderUnparsedName\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays in 1 of 2 ways:\n− a single number followed by “days”,\n\n(e.g., 45 days) OR\n\n− two numbers indicating a range with\nthe low and high numbers separated\nby “-“ and followed by “days” (e.g.,\n30-60 days).\nAlways displays\nAlways displays\nAlways displays\n\nFigure 2 - 1\n\nPage 14\n\n03 Appraisal Update\n\nThe Appraisal Update section addresses whether the market value of the subject property decreased since the effective date of the original appraisal.\nThis section provides space for commentary and exhibits.\n\nThe Appraisal Update section always displays. (Figure 3 - 1)\n\nPage 15\n\nRestricted Appraisal Update Report: Appraisal Update\n\nReport\nField ID\n\nReport Label Name\n"} diff --git a/chunks/json/d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877.json b/chunks/json/d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877.json new file mode 100644 index 0000000000000000000000000000000000000000..a52c1c645845d0e77d38b80dfb47bcf4e00db777 --- /dev/null +++ b/chunks/json/d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877.json @@ -0,0 +1 @@ +{"chunk":{"char_end":612517,"char_start":610806,"chunk_id":"chk_b232b0f1c59cad5d","chunk_index":361,"chunk_sha256":"d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 115 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\n408\n\n3\n\n71\n\nSALES\nCOMPARISON\nAPPROACH\n\nCommon Elements\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='CommonElements']/@_Description\n\n20\n\nString\n\nThis field should indicate the common elements of the comparable project.\n\nT\n\nT\n\nT\n\n409\n\n3\n\n72\n\nSALES\nCOMPARISON\nAPPROACH\n\nCommon Elements Adjustment\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='CommonElements']/@_Amount\n\n10\n\nMoney\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-72 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-74,\n3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n"} diff --git a/chunks/json/d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1.json b/chunks/json/d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1.json new file mode 100644 index 0000000000000000000000000000000000000000..2e7d982861170f77d4dddc88950418dfd9414937 --- /dev/null +++ b/chunks/json/d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":345326,"char_start":343703,"chunk_id":"chk_079cec7f29afe47d","chunk_index":283,"chunk_sha256":"d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"DATA_SOURCE to LISTING_INFORMATION_SUMMARY\n\nNo Current or Relevant Listings Data Source. When the data source is associated with a subject property, provide the relationship that\njoins to the applicable instance of LISTING_INFORMATION_SUMMARY where the ValuationUseType = \"SubjectProperty\".\n\nUnique ID\n\nParent Container\n\nMISMO\nAttribute\nName\n\nSupported Attribute Enumerations\n\n0900.0033 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_LISTING_INFORMATION_SUMMARY\n\n0900.0034 RELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n0900.0035 RELATIONSHIP\n\n@xlink:to\n\nLISTING_INFORMATION_SUMMARY_n\n\n0900.0032\n\nLISTING_INFORMATION_SUMMARY @xlink:label\n\nLISTING_INFORMATION_SUMMARY_n\n\n0700.0124 DATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\nRefer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n20 Sales Contract\n\nPage 263\n\nThe Sales Contract section displays when an active sales contract exists. This section includes information for the subject property including\nprice, personal property, and sales concessions. This section provides space for analysis and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 264\n\nThe Sales Contract section displays when SalesContractExistsIndicator (UID: 0600.0016, FID: 20.000) = “true”. When there is no sales\ncontract, deliver SalesContractExistsIndicator = “false” and the Sales Contract section and related subsections do not display.\n\nWas sales contract information analyzed? - SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001)\n"} diff --git a/chunks/json/d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7.json b/chunks/json/d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7.json new file mode 100644 index 0000000000000000000000000000000000000000..99a61b5deea607c4f7cfa84d4c4185d7f933ed27 --- /dev/null +++ b/chunks/json/d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22078,"char_start":20091,"chunk_id":"chk_9f30627b1545c6aa","chunk_index":15,"chunk_sha256":"d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7","token_estimate":496,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":" ToName – the element name that is pointed to by the xlink:to attribute.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 12 of 29\n\nVersion 1.1\n\n___________ _ __ Rules for XLink Relationships\n\nExample of a “MISMO V3.3.0” arcrole value:\n\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\"\n\nExample of an “extended” arcrole value:\n\nxlink:arcrole=\"urn:fdc:AcmeLending.com:2013:mortgage/PARTY_IsSubsidiaryOf_PARTY”\n\nRELAT IONSHIP ELEMENT “ARCROLE” FROMNAME/T ONAME VALUE ORDER\n\nWhen the relationship is connecting two container elements, the arcrole value used for the FromName\nmust precede the value of the ToName alphabetically.\n\nFor example, if a relationship is being established between ROLE and LOAN elements, LOAN must be\nthe FromName and ROLE must be the ToName, since LOAN precedes ROLE alphabetically.\n\n Valid arcrole value:\n\n\"urn:fdc:mismo.org:2009:residential/LOAN_IsAssociatedWith_ROLE\"\n\n\n\nInvalid arcrole value:\n\n\"urn:fdc:mismo.org:2009:residential/ROLE_IsAssociatedWith_LOAN\"\n\nWhen the relationship is connecting a container element to a data point element, the FromName is always\nthe container name and the ToName is always the data point element name.\n\nFor example: \"urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsAssociatedWith_ Gross\nLivingAreaSquareFeetNumber\"\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 13 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nUNI FORM LOAN APPLI CATI ON DATASET ( ULAD) XLI NK ARCROLES\n\nOVERVIEW\n\nThis section will provide information about data relationships used in the ULAD that will require the use\nof Xlink and a MISMO arcroles. Each of these data relationships will require the use of the XLink\nstandard used to represent data relationships within the MISMO Data Standards and a MISMO arcrole.\nThe following list of data relationships that will be used as part of the ULAD implementation using\nXLink within the MISMO Data Standards.\n"} diff --git a/chunks/json/d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf.json b/chunks/json/d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf.json new file mode 100644 index 0000000000000000000000000000000000000000..258128d1c41353762ebb7121e2f916302f2c9073 --- /dev/null +++ b/chunks/json/d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12163,"char_start":8827,"chunk_id":"chk_b2a45e60bba87b88","chunk_index":5,"chunk_sha256":"d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dec400d1f34836bb","text_sha256":"d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf","token_estimate":834,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorships_Performance_Goals___Scorecard___U_9epojvk.md"]},"text":"Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n\nFilter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/211&order=field_release_date&sort=asc) Report Attachment February 18, 2025 [2025 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2025) [Read Report](/document/2025-Scorecard.pdf) February 16, 2021 [2021 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2021) [Read Report](/AboutUs/Reports/ReportDocuments/2021-Scorecard.pdf) October 28, 2019 [2020 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2020) [Read Report](/document/2020-scorecard-for-fannie-freddie-and-css) December 19, 2018 [2019 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2019) [Read Report](/media/30036) December 21, 2017 [2018 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2018) [Read Report](/document/2018-scorecard-for-fannie-mae-freddie-mac-and-common-securitization-solutions) May 13, 2014 [2014 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2014) [Read Report](/media/25081) March 04, 2013 [Conservatorship Strategic Plan: Performance Goals for 2013](/reports/conservatorships-performance-goals-scorecard/2013) [Read Report](/media/24876) March 09, 2012 [2012 Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard/2012) [Read Report](/document/ExecComp3912F.pdf)\n"} diff --git a/chunks/json/d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf.json b/chunks/json/d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf.json new file mode 100644 index 0000000000000000000000000000000000000000..831053bf1fe11b88b0db886a92709ae0e6d2e99c --- /dev/null +++ b/chunks/json/d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25066,"char_start":23320,"chunk_id":"chk_577b9db3d5a9f18d","chunk_index":14,"chunk_sha256":"d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf","token_estimate":436,"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":"Kitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nC3\n\nFully Updated\n\nFully Updated\n\nC3\n\nFully Updated\n\nFully Updated\n\nC3\n\nFully Updated\n\nFully Updated\n\nC3\n\nFully Updated\n\nFully Updated\n\nSignificantly Updated\n\nSignificantly Updated\n\nSignificantly Updated\n\nSignificantly Updated\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 22\nPage 14 of 22\n\nSales Comparison Approach (continued)\n\nSubject Property\n201 Underhill Dr, Unit 202\nNowhere, CA 90021\n\nComparable #1\n\n201 Underhill Dr, Unit 204\nNowhere, CA 90021\n\nComparable #2\n1633 Hundred Ave, Unit 801\nNowhere, CA 90021\n\nComparable #3\n1639 Town St, Unit 333\nNowhere, CA 90021\n\nBalcony\n\nBalcony\n\nIndoor Fireplace - 1\n\nIndoor\nFireplace - 1\n\nBalcony\n\nIndoor\nFireplace - 1\n\nBalcony\n\nIndoor\nFireplace - 1\n\nProperty Address\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Details\n\nParking Garage | 2 | Owned\n\nParking Garage | 2 | Owned\n\n$30,000\n\nCommon Carport |\n2 | Unassigned\n\nParking Garage | 2 | Owned\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$778,000\n\n$778,000\n\n$0\n\n$712\n\n$778,000\n\nMost\n\n$790,000\n\n$794,000\n\n$25,000\n\n$678\n\n$819,000\n\nLess\n\n$768,000\n\n$765,000\n\n$(10,000)\n\n$712\n\n$755,000\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$778,000\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f.json b/chunks/json/d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f.json new file mode 100644 index 0000000000000000000000000000000000000000..d9d25f0988494ee35e93f6fdeb14f44f3b6ecbfc --- /dev/null +++ b/chunks/json/d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":326303,"char_start":324685,"chunk_id":"chk_509192ffff86655b","chunk_index":177,"chunk_sha256":"d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"10.4 Down Payment/Funds from Borrower - These two labels are mutually exclusive. Funds from Borrower is\nonly applicable to a refinance. Since the GSEs do not accept the Model Form for refinances, this line item is\nalways labeled Down Payment. Down payment is defined as the actual amount of the difference between\nthe purchase price of the property and the loan amount, stated as a positive number.\n\nAppendix E: UCD Implementation Guide\n\nPage 149 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.0 Calculating Cash to Close\n\n10.5 Deposit - The value for Deposit is the amount from section L. Paid Already by or on Behalf of Borrower at\n\nClosing in the Summaries of Transactions table (12.1.1).\n\n10.6 Funds for Borrower – amount disbursed to the consumer or used at the consumer’s discretion at\n\nconsummation of the transaction.\n\n10.7 Seller Credits - amount of funds given by the seller to the borrower(s) for generalized credits for closing\n\ncosts or for allowances for items purchased separately (12.5), as distinguished from Adjustments and\nOther Credits (payments by the seller before closing). Disclosed as a negative number.\n\n10.8 Adjustments and Other Credits - The total amount of the Adjustments and Other Credits disclosed in\n\nSummaries of Transactions due from the borrower at consummation.\n\n10.9 Cash to Close - the sum totals of the amounts for the eight line items in the Loan Estimate and the Final\n\ncolumns of the Cash to Close Table.\n\nCalculating Cash to Close\n\n10.0 Use this table to see what has changed from your Loan Estimate.\n\nLoan Estimate\n\nFinal\n\nDid this change?\n\n10.1 Total Closing Costs (J)\n"} diff --git a/chunks/json/d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186.json b/chunks/json/d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186.json new file mode 100644 index 0000000000000000000000000000000000000000..b230d4cb05d6968cbd4a094248a9746b614d0794 --- /dev/null +++ b/chunks/json/d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16920,"char_start":16689,"chunk_id":"chk_2688931e8240d33d","chunk_index":7,"chunk_sha256":"d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186","token_estimate":58,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md","below_target_min_tokens"]},"text":"See below for additional information on steps that FHFA and its regulated entities are taking to lower the regulated entities' respective exposures to post-2021 LIBOR products in a safe, sound, and prudent manner.\n\n## News Releases\n"} diff --git a/chunks/json/d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd.json b/chunks/json/d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd.json new file mode 100644 index 0000000000000000000000000000000000000000..b61e674a013c5f99b38a06997919d6e3a9bc0338 --- /dev/null +++ b/chunks/json/d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1807,"char_start":0,"chunk_id":"chk_173481e91c0ff08c","chunk_index":0,"chunk_sha256":"d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd","token_estimate":553,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl\"\ndate_accessed: \"2026-01-27T18:10:56.422Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a.json b/chunks/json/d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a.json new file mode 100644 index 0000000000000000000000000000000000000000..8893edbf61b00fbe0ecf88fefe3085f12f0196a3 --- /dev/null +++ b/chunks/json/d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32828,"char_start":31181,"chunk_id":"chk_8c33e8fe344cf8d6","chunk_index":17,"chunk_sha256":"d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"ROLE\n\nCaptures details about the role each party plays in the delivered loan.\n\nINVESTOR_FEATURE\n\nIt exists in both the DEAL_SET and LOAN container, and captures\nspecial loan characteristics.\n\nCOMBINED_LTV\n\nCaptures combined loan-to-value (CLTV) ratios.\n\nLOAN\n\nRepresents a portion of the data that defines a single loan delivery.\nEach LOAN container defines a point in time for the state of a loan\nbeing delivered or data from an associated related loan. Together,\nthe multiple LOAN containers within a DEAL fully define a single loan\ndelivery (a DEAL).\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 14 of 22\n\n5.3. Loan Container Repeatability\n\nThe MISMO Version 3.0 Reference Model supports multiple occurrences of the LOAN container.\nThis provides the ability to capture loan characteristics of the delivered loan at different points in\ntime, as well as the loan characteristics of loans associated with the delivered loan. Multiple\nLOAN containers are defined by two concepts – Loan Role and Loan State – which work\ntogether to identify the containers needed to capture required loan characteristics. Data points\nwithin the LOAN container will have different conditionality, depending on the Loan Role and Loan\nState (refer to Appendix A: Fannie Mae XML Data Requirements for details).\n\n5.3.1. Loan Role\n\nLoanRoleType is an attribute of the LOAN container. It is not an element. LoanRoleType\nidentifies data for the delivered loan versus data for an associated loan.\n\n A LOAN container with LoanRoleType = SubjectLoan is always required. This\n\nidentifies the LOAN container that holds characteristics of the loan being delivered.\n"} diff --git a/chunks/json/d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24.json b/chunks/json/d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24.json new file mode 100644 index 0000000000000000000000000000000000000000..141fd29ec96fce0f6ce3ca932a2a4ac4bc849248 --- /dev/null +++ b/chunks/json/d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24.json @@ -0,0 +1 @@ +{"chunk":{"char_end":997053,"char_start":995438,"chunk_id":"chk_0170e3b590a4dead","chunk_index":594,"chunk_sha256":"d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Supervisor Report\nSigned Date\n\nIndicates the date the supervisor signed\nthe report.\n\n/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState Certification #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[\n@_Type='Certificate']/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nor State License #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[\n@_Type='License']/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState\n\nAppraiser License\nState\n\nThe state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/\n@_State\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nExpiration Date of Certification or\nLicense\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/\n@_ExpirationDate\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect exterior of subject\nproperty\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType='Subject' and @AppraisalInspectionType='None']\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of subject property\nfrom street\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n"} diff --git a/chunks/json/d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0.json b/chunks/json/d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0.json new file mode 100644 index 0000000000000000000000000000000000000000..e39e47ed1854e47ddec3bb00699b4e92893befa9 --- /dev/null +++ b/chunks/json/d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10419,"char_start":9779,"chunk_id":"chk_886438f8fb1072ed","chunk_index":15,"chunk_sha256":"d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0","token_estimate":540,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Construction not Completed Per Plans and Specifications .......................................................................................................................................... 29\n\nAdditional Exhibits ....................................................................................................................................................................................................... 29\n\n08 Assignment Information ............................................................................................................................................................................................ 31\n"} diff --git a/chunks/json/d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793.json b/chunks/json/d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793.json new file mode 100644 index 0000000000000000000000000000000000000000..8d5923d8dde2cc436be4e437b3f66932a9324f33 --- /dev/null +++ b/chunks/json/d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793.json @@ -0,0 +1 @@ +{"chunk":{"char_end":450253,"char_start":448652,"chunk_id":"chk_36d8c38803d46a3b","chunk_index":260,"chunk_sha256":"d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"3214 Somewhere Pl\nAnywhere, MD 20854\n\nDeck | Deck\n\nDeck | Deck\n\nElevator | Indoor Fireplace - 1\n\nElevator | Indoor\nFireplace - 1\n\nDeck | Deck\n\nIndoor\nFireplace - 1\n\nDeck | Deck\n\n$5,000\n\nElevator | Indoor\nFireplace - 3\n\n$(4,000)\n\nProperty Address\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Detail\n\nGarage | 2 | Built-in 648 Sq. Ft.\n\nGarage | 2 | Built-in\n\nGarage | 2 | Built-in\n\nGarage | 2 | Built-in\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n$875,000\n\n$866,000\n\n$875,000\n\n—\n\n$870,000\n\n$0\n\n$266\n\n$870,000\n\nMost\n\n$799,900\n\n—\n\n$780,000\n\n$122,100\n\n$392\n\n$902,100\n\nMost\n\n$840,000\n\n—\n\n$835,000\n\n$17,000\n\n$243\n\n$852,000\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$880,000\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 15 of 22\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n2134 Nothing Hill Pl\nAnywhere, MD 20854\n\n7890 Some Pl\nAnywhere, MD 20854\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 4 photo\nwould display.\n"} diff --git a/chunks/json/d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267.json b/chunks/json/d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267.json new file mode 100644 index 0000000000000000000000000000000000000000..1e19ee7fc1946137003367c7828c4d61b3c4537e --- /dev/null +++ b/chunks/json/d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3421,"char_start":1731,"chunk_id":"chk_74a5666eb14dd23c","chunk_index":1,"chunk_sha256":"d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267","token_estimate":423,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"The subject property is currently under contract for $866,000 with the final opinion of market value being\n$880,000.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\no Lender (Client)\no AMC\no Licensed Residential Appraiser completed interior inspection\n\n• Connected to public electricity, gas, sanitary sewer, and water\n• Construction Method: Site Built\n• Attachment Type: Attached (End-Unit Townhouse)\n• Property Rights: Fee Simple\n• Defects, Damages, Deficiencies have been identified\n• Sales Comparison Approach was the only approach to value considered\n• Sales Comparables:\n\no Three closed sales\no Two current listings\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\n1234 ANYWHERE PL, ANYWHERE, MD 20854\n\nSUMMARY\n\nOpinion of Market Value\n\n$880,000\n\nMarket Value Condition\n\nSubject to Inspection\nSubject to Repair\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of required inspections below based on the\nextraordinary assumption that the condition or deficiency does not require alteration or repair, and subject to the itemized list of repairs\nrecommended below on the basis of a hypothetical condition that the repairs or alterations have been completed in a professional manner.\nThis might have affected the assignment results.\n08/07/2019\nEffective Date of Appraisal\nPurchase\nAssignment Reason\nBetty Borrower\nBorrower Name\nBob Borrower\nJohn Doe\n$866,000\nPending\n"} diff --git a/chunks/json/d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6.json b/chunks/json/d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6.json new file mode 100644 index 0000000000000000000000000000000000000000..ab43ddcbd6a10da0dc34a80b38bf6022ff86aba2 --- /dev/null +++ b/chunks/json/d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_c166f94c226702dd","chunk_index":0,"chunk_sha256":"d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f4f3860dcd650d0f","text_sha256":"d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Pilot_Transparency___FHFA_k52rzik.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/pilot-transparency\"\ndate_accessed: \"2026-01-27T17:47:54.380Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad.json b/chunks/json/d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad.json new file mode 100644 index 0000000000000000000000000000000000000000..5d4634e2a18d7771141e7bdd02fefde18411bb56 --- /dev/null +++ b/chunks/json/d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11802,"char_start":10393,"chunk_id":"chk_cf3c642114e2d7c4","chunk_index":6,"chunk_sha256":"d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1eaa5614f4ca2d0","text_sha256":"d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Data___FHFA_j61nd8.md"]},"text":"## [Data Governance Resources](/data/data-governance-resources)\n\nThese resources include the Agency-level data governance body charter, Information Resources Management (IRM) Strategic Plan, and Open Data Plan.\n\n*Page last u​pdated: August 18, 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\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d.json b/chunks/json/d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d.json new file mode 100644 index 0000000000000000000000000000000000000000..fcf6cbfabaff6b1a9768dc6cbb65ab37d9f23980 --- /dev/null +++ b/chunks/json/d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35858,"char_start":35229,"chunk_id":"chk_5b252cbf0f4eb142","chunk_index":57,"chunk_sha256":"d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d","token_estimate":506,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Definition of Market Value (H1) ......................................................................................................................... 78\n\nStatement of Assumptions and Limiting Conditions (H1) .................................................................................. 78\n\nCertifications ....................................................................................................................................................... 78\n\nAppraiser Certifications (H1) .............................................................................................................................. 78\n"} diff --git a/chunks/json/d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c.json b/chunks/json/d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c.json new file mode 100644 index 0000000000000000000000000000000000000000..d3ff976892e47a9751db96d8792f8e26a4f52f44 --- /dev/null +++ b/chunks/json/d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33670,"char_start":33143,"chunk_id":"chk_2d52012995a7c835","chunk_index":48,"chunk_sha256":"d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c","token_estimate":429,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nPage 13\n\nEnergy Efficient and Green Features Exhibits .......................................................................................................................................................................... 149\n\n07 Sketch ............................................................................................................................................................................................................................................ 150\n"} diff --git a/chunks/json/d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c.json b/chunks/json/d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c.json new file mode 100644 index 0000000000000000000000000000000000000000..918133ddb782f0af2f42c92c84aac828d0af6d5e --- /dev/null +++ b/chunks/json/d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":238804,"char_start":237194,"chunk_id":"chk_aa3a5dee83abb4f8","chunk_index":220,"chunk_sha256":"d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Dwelling\n\nOutbuilding/ADU\n\nDisplay when ImprovementType (UID:\n0300.0009) = “Dwelling” and\nConstructionMethodType (UID: 0300.0034)\n= “Manufactured”\n\nDisplay when\nManufacturedHomeModificationIndicator =\n\"true\". If there are multiple, display as\nstacked.\n\nDisplay when (ImprovementType (UID:\n0300.0009) = \"Outbuilding\" AND\nOutbuildingType (UID: 0300.0025) =\n\"ManufacturedHome\" AND\nLivingUnitCount (UID: 0300.0063) > 0)\nDisplay when\nManufacturedHomeModificationIndicator =\n\"true\". If there are multiple, display as\nstacked.\n\nDisplay when\nManufacturedHomeModificationIndicator =\n\"true\"\n\nDisplay when\nManufacturedHomeModificationIndicator =\n\"true\"\n\nAlways display\n\nAlways display\n\nSubsection always displays.\n\nDisplay when Exists.\nDisplay when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “true” OR (when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “false” AND Exists)\nDisplay when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “true” OR (when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “false” AND Exists)\nDisplay when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “true” OR (when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “false” AND Exists)\nDisplay when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “true” OR (when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “false” AND Exists)\n\nNA\nDisplay when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “true” OR (when\nManufacturedHomeHUDDataPlateAttachedIn\ndicator = “false” AND Exists)\n\nNA\n\nNA\n\nNA\n\nHUD Certification Label\n\nSubsection always displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nManufactured Home\n\nDisplay Rules\n"} diff --git a/chunks/json/d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad.json b/chunks/json/d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad.json new file mode 100644 index 0000000000000000000000000000000000000000..8ffdaf4629c3c21166ca0fde58facbf5650c808b --- /dev/null +++ b/chunks/json/d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":334359,"char_start":332646,"chunk_id":"chk_c685f2f9d296b340","chunk_index":195,"chunk_sha256":"d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Common\nElements Leased\nIndicator\n\nIndicates that project common\nelements are leased by the project\nmanagement (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_CommonElementsLeasedIndicator='N'\n]\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n64\n\n65\n\n2\n\n3\n\n4\n\n459\n\n460\n\n461\n\n462\n\n463\n\n464\n\n465\n\n466\n\n467\n\n3\n\n3\n\n4\n\n4\n\n4\n\n4\n\n5\n\n5\n\n5\n\nPROJECT\nINFORMATION\n\nPUD\nIf yes, describe the rental\nterms and options.\n\nProject Common\nElements Lease\nTerms Description\n\nA free-form text field used to describe\nthe project management leasing status\nof project common elements.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/@_CommonElementsLeaseTermsDescript\nion\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nPROJECT\nINFORMATION\n\nPUD\nDescribe common\nelements and recreational\nfacilities\n\nProject Common\nElements Description\n\nA free-form text field used to describe\nproject common elements and\nrecreation facilities.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/@_CommonElementsDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_Title\nDescription\n\nThis is an identifier or number used\nby the appraiser to identify their\nreports. It is generally specific to the\nappraiser\nSecondary report identifier used by\nthe appraiser to identify appraisal\nreports. This field may carry the FHA\nnumber, case number, loan number or\nsome other identifier.\n"} diff --git a/chunks/json/d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55.json b/chunks/json/d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55.json new file mode 100644 index 0000000000000000000000000000000000000000..3ce898cb6f7ef869b6a1e9115de8382b67d1bf06 --- /dev/null +++ b/chunks/json/d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1068781,"char_start":1067181,"chunk_id":"chk_d21e86df2483eb3b","chunk_index":635,"chunk_sha256":"d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\n109\n\n110\n\n111\n\n112\n\n113\n\n114\n\n115\n\n116\n\n117\n\n118\n\n119\n\n120\n\n121\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 179 of 211\n\nDocument Version 1.4\n\n122\n\n123\n\n124\n\n125\n\n126\n\n127\n\n128\n\n129\n\n130\n\n131\n\n132\n\n133\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nIf an Alley exists, at least one of fields 1-115, 1-\n116 (values of Property Off Site Improvement\nOwnership Typ)e should be indicated.\n\n116\n\nSITE\n\nAlley\nPrivate\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement Feature\nType is present.\n\n117\n\nSITE\n\nFEMA Special Flood Hazard\nArea\nYes\n\nGSE FEMA Special\nFlood Hazard Area\nIndicator\n\nIndicates whether any part of the subject\nparcel is in a FEMA designated Flood\nZone.\n\n118\n\nSITE\n\nFEMA Special Flood Hazard\nArea\nNo\n\nGSE FEMA Special\nFlood Hazard Area\nIndicator\n\nIndicates whether any part of the subject\nparcel is in a FEMA designated Flood\nZone.\n\n119\n\nSITE\n\nFEMA Flood Zone\n\nGSE NFIP Flood\nZone Identifier\n\nThe FEMA Flood Zone identifier for the\nsubject site.\n\n120\n\nSITE\n\nFEMA Map #\n\nGSE FEMA Flood\nMap Identifier\n"} diff --git a/chunks/json/d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4.json b/chunks/json/d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4.json new file mode 100644 index 0000000000000000000000000000000000000000..5874985037e0b317874d6a35851eab42e8f181be --- /dev/null +++ b/chunks/json/d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22344,"char_start":20723,"chunk_id":"chk_6738617d6a7a5e4f","chunk_index":13,"chunk_sha256":"d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4","token_estimate":406,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this\nappraisal report.\n\n2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the\ncondition of the improvements in factual, specific terms, relying on subject property information from third party data sources. I\nreported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison\napproach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal\nassignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless\notherwise indicated in this report.\n\n5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale\nof the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property\nfor a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.\n"} diff --git a/chunks/json/d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71.json b/chunks/json/d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71.json new file mode 100644 index 0000000000000000000000000000000000000000..17858db42dbd45bf48664774ad3415159d68b2cb --- /dev/null +++ b/chunks/json/d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71.json @@ -0,0 +1 @@ +{"chunk":{"char_end":94448,"char_start":92833,"chunk_id":"chk_e36861005be1a59d","chunk_index":101,"chunk_sha256":"d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71","token_estimate":404,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"MECHANICAL SYSTEMS TABLE\n\nAppendix E: Report Style Guide\n\nPage 50 of 90\n\nVersion 1.4\n\nRight-hand side of page\n\n•\n\n“Other Mechanical Systems” sets as TXR-B, TXR\n\nApparent Defects, Damages, Deficiencies ([Outbuilding Type]) (H1)\n\n•\n\n•\n\nIf applicable per iGuide, set “None” as TXC\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items\nlisted below represent the As Is condition as of the effective date of this report”.\n\nOutbuilding DDD table (same format as Site DDD table)\n\n• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\n\nIntegrity,” “Recommended Action” set as TCH in 5 column table x 45 picas.\n\n• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell)\n\n• Column 3:\n\n13 picas wide (~42 characters max per line in each cell)\n\n• Content sets as TB.\n\nDEFECTS, DAMAGES, DEFICIENCIES TABLE\n\nOutbuilding Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nOutbuilding Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Vehicle Storage” sets as TAB.\n\nVehicle Storage table\n\n• Set 3 equal column table x 45 picas, headings: (TCH) “Storage,” “Number of Parking Spaces,”\n\n“Detail” (~60 characters max per line in each cell).\n\n• Content sets as TB.\n\nVEHICLE STORAGE TABLE\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage) (H1)\n\n•\n\n•\n\nIf applicable per iGuide, set “None” as TXC.\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed\nbelow represent the As Is condition as of the effective date of this report”.\n\nAppendix E: Report Style Guide\n"} diff --git a/chunks/json/d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372.json b/chunks/json/d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372.json new file mode 100644 index 0000000000000000000000000000000000000000..c9495e338a7d3dad91295b859d08f64452d9324f --- /dev/null +++ b/chunks/json/d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372.json @@ -0,0 +1 @@ +{"chunk":{"char_end":147642,"char_start":146039,"chunk_id":"chk_27e6086bd91cd7ac","chunk_index":165,"chunk_sha256":"d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nWhen a given PARTY plays multiple roles (e.g., Lender is also the Client), then both roles must be identified in the same instance of the\nPARTY container via multiple occurrences of the ROLE container, and the specific role played by the party is captured in\nROLE/ROLE_DETAIL/PartyRoleType.\n\n• When Lender is also the Client, the instance of the PARTY container representing Lender must have two instances of the ROLE\n\ncontainer. One of the instances must identify ROLE/ROLE_DETAIL/PartyRoleType as “Lender”, the second instance must identify\nROLE/ROLE_DETAIL/PartyRoleType as “Client”. Similarly, when AMC is the Client, or Attorney is the Client, the PARTY container must\ninclude two instances of ROLE container. The snippet provided below depicts a PARTY container where Lender is also the Client.\n\nPage 89\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nWhen Lender/AMC is Not the Client\n\n• Deliver the appraisal management company information if an appraisal management company exists but is not the client. (Figure 2 -\n\n3)\n\nPage 90\n\nFigure 2 - 3\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Deliver the lender information if a lender exists but is not the client. (Figure 2 - 4)\n\nFigure 2 - 4\n\nPage 91\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Deliver the property data collector information if a property data report is used. (Figure 2 - 5)\n\nPage 92\n\nFigure 2 - 5\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 93\n\nAssignment Information: Contact Information – [Role]/[Role] – Non-Clients\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n"} diff --git a/chunks/json/d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108.json b/chunks/json/d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108.json new file mode 100644 index 0000000000000000000000000000000000000000..602527bdb47b8568468a2a7ca6a233e1abc0b481 --- /dev/null +++ b/chunks/json/d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16638,"char_start":15188,"chunk_id":"chk_8e7819b9543fc067","chunk_index":9,"chunk_sha256":"d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"***The 2023 ​Rural Areas file contains changes made by the Census Bureau to census tracts in Connecticut that reflect the adoption of regional planning organizations as county-equivalents and replaces the eight county codes with nine new county-equivalent codes. A crosswalk file of Connecticut census tracts reflecting these changes can be found on github under CT-Data-Collaborative.*\n\n## Indian Tribe Areas Data\n\n---\n\n**Year** **Format** **Dictionary** ​**DTS Plan Cycle​** 2025 [[ZIP]](/document/dts_aian_2025.zip) [[PDF]](/document/ia_areas_readme_2025.pdf) 2025-2027 (applies to plan years 2026 and 2027)\n(2020 Census Tracts)\n**Effective January 1, 2026** ​2023 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2023.zip) [​[PDF]](/sites/default/files/2023-10/DTS_IA_Areas_README_2023.pdf) 2022-2024​ and 2025\n(2020 Census Tracts) ​2022 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2022.zip) [​[PDF]](/sites/default/files/2023-10/IA_Areas_README_2022.pdf) 2022-2024​\n(2020 Census Tracts) ​2020 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2020.zip) [​[PDF]](/sites/default/files/2023-10/IA_Areas_README_2020.pdf) 2022-2024​\n(2010 Census Tracts) 2018 [[ZIP]](/sites/default/files/2023-10/dts_aian_2018.zip) [[PDF]](/sites/default/files/2023-10/IA_Areas_README_2018.pdf) ​2018-2021 2017 [[ZIP]](/sites/default/files/2023-10/dts_ia_2017.zip) [[PDF]](/sites/default/files/2023-10/IA_Areas_README_2017.pdf) 2018-2021​ ## High Opportunity Areas Data\n"} diff --git a/chunks/json/d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf.json b/chunks/json/d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf.json new file mode 100644 index 0000000000000000000000000000000000000000..04cc9137d061856d718921891679ad6cacc3cb09 --- /dev/null +++ b/chunks/json/d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1886,"char_start":0,"chunk_id":"chk_1c0a562ac70dac50","chunk_index":0,"chunk_sha256":"d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9877cc85d3ce128","text_sha256":"d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf","token_estimate":472,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-february-2025.pdf"]},"text":"Desktop Underwriter Validation Service\nIntegration Impact Memo\nFebruary Update\n\nJan 23, 2025\n\nDuring the weekend of February 21, 2025, Fannie Mae will implement changes to the Desktop Underwriter® (DU®) validation\nservice.\n\nPlease review the following Integration Impact Memo to ensure that your integrated system(s) will be prepared to support this\nrelease.\n\nThis update will introduce new reason codes related the DU validation service.\n\nNOTE: Integrated systems that receive and display the DU Underwriting Findings report TXT file, HTML and/or PDF files\nshould not be impacted since these files are for display purposes only and parsing is not supported. However, if your\nintegrated systems parse the HTML and/or TXT versions of the DU Underwriting Findings, your system may be impacted\nby this release. These changes will apply to conventional loan casefiles submitted or resubmitted to DU on or after\nFebruary 21, 2025, via Direct Integration and the User Interface (UI).\n\nDU Underwriting Findings - Updated DU Validation Service Message Parameters\nDU will implement business rules to update reason code parameters for DU validation service messages in the DU\nUnderwriting Findings Report.\n\nIntegrated systems that receive and parse the following reason code parameter(s) of the following DU messages may need to be\nupdated to support these changes.\n\nMessage\nIdentifier\n3303\n\nMessage\nParameter Status\nAdded\n\nBorrower SSN does not match the SSN\nprovided to the vendor\n\nReason Code Text\n\nReason Code Trigger\n\n3307\n\nAdded\n\nNo active employment found in the VOI/VOE\nreport\n\nThis reason code will be returned when the\nborrower’s Social Security Number does not\nmatch the Social Security Number(s) within a\nverification report.\nThis reason code will be returned when no\nactive employment record is found in the\nverification report that matches the employer\nname in the loan application.\n"} diff --git a/chunks/json/d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8.json b/chunks/json/d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8.json new file mode 100644 index 0000000000000000000000000000000000000000..13b86ad6f93fad2b2bc7fabf8737907179d9a614 --- /dev/null +++ b/chunks/json/d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16970,"char_start":16521,"chunk_id":"chk_01ad3a93af66a7c1","chunk_index":10,"chunk_sha256":"d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8","token_estimate":112,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml","below_target_min_tokens"]},"text":"Nowhere Technologies\n\nXYZ Lending Inc.\n\n123 Tree Lined St\n\nAnywhere\n\n12345\n\nTN\n\nLender\n\nClient\n\nAnnie\n\nAppraiser\n\n123 Willow St\n\nAnywhere\n\n12345\n\nTN\n\nGeneral Appraisal Services\n\nLicensedResidentialAppraiser\n\n2024-01-30\n\nT235719287434\n\nTN\n\nAppraiser\n\nAppraisalFee\n\n0\n\nJohn\n\nDoe\n\nBorrower\n\nPropertyOwner\n\nJane\n\nDoe\n\nBorrower\n\nPropertyOwner\n\nValuation\n\n2022-03-14\n\n\\\\MH2_Appraisal_v1.3.pdf\n\napplication/pdf\n\n1\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"} diff --git a/chunks/json/d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3.json b/chunks/json/d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3.json new file mode 100644 index 0000000000000000000000000000000000000000..ee85e7adbb5592958e5e8a5769652f588d708b4f --- /dev/null +++ b/chunks/json/d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1647,"char_start":0,"chunk_id":"chk_7789417db4b14817","chunk_index":0,"chunk_sha256":"d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Single Family Scenario 5 Alternate Font (SF5-A)\nDocument Version 1.1\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n1.1\n\n04/03/2025\n\n1.0\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nCopy of the Single Family 5 (SF5) Scenario, originally published on\n9/17/2024, using alternate fonts:\n• Calibri for text\n• Wingdings for checkboxes\n\nIntroduction\n\nSample Scenario SF5-A has the same content as SF5 but uses alternate fonts (Calibri and Wingdings\ninstead of Myriad Pro and Wingdings2).\n\nThis report is for a single-family detached ranch-style home with 1,260 square feet on one level. There is\na driveway and a deck.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\no Client/Lender\no Appraiser\n\n• Assignment Reason: Refinance\n• Property Valuation Method: Traditional Appraisal\n• Construction Method: Site Built\n• Appraisal is made As Is, with no Defects, Damages, or Deficiencies\n• Sales Comparison Approach section includes Additional Properties Analyzed Not Used\n• Revision History including Borrower-Initiated Reconsideration of Value\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"} diff --git a/chunks/json/d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020.json b/chunks/json/d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020.json new file mode 100644 index 0000000000000000000000000000000000000000..24bdb16295604a46c57ee7d12f9a12cebf3b6c9b --- /dev/null +++ b/chunks/json/d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1604,"char_start":0,"chunk_id":"chk_bfafd2070cba5a40","chunk_index":0,"chunk_sha256":"d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7b839140b2e9dde7","text_sha256":"d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-and-forms-redesign-timeline.pdf"]},"text":"2024\n\n2025\n\n2026\n\n2027\n\nUAD 3.6 TESTING\n\nINDUSTRY PREP\n\nUniform Appraisal Dataset (UAD) 3.6 PRODUCTION\n\nLIMITED PRODUCTION\n\nBROAD PRODUCTION\n\nMANDATE\n\nRETIREMENT\n\nSeptember 8, 2025 – January 25, 2026\n\nJanuary 26, 2026 – November 1, 2026\n\nNovember 2, 2026\n\nMay 3, 2027\n\nUAD 2.6 -> UAD 3.6 Transition Period\n\nUAD 2.6 Pipeline\nRevisions\n\nSubmit 2.6 Only\n\nSubmit 2.6 Only\n\nSubmit 2.6 and Limited Production\nParticipants* to Submit 3.6\n\nSubmit 2.6 or Submit 3.6\n\nSubmit 3.6 Only\n\nNovember 18, 2024 –\nRedesigned Uniform\nResidential Appraisal\nReport (URAR)\nindustry training\navailable on GSE\nwebsites\n\nJune 4, 2025 – GSEs\npublish policy updates\n\nSeptember 8, 2025 – Fannie Mae and Freddie\nMac can accept both UAD 2.6 and 3.6\n\nJuly 28, 2025 – ULDD\nMandate: Lenders\nmust deliver ULDD\nPhase 5 data points\nprior to using UAD 3.6\n\n*Limited Production Participants - Lenders who\nhave submitted the UAD Questionnaire and\nreceived GSE approval will have controlled\naccess to submit 3.6 to Uniform Collateral Data\nPortal (UCDP)\n\nJanuary 26, 2026 – All Lenders may begin\nsubmitting to the GSEs’ production environment\nwithout prior GSE approval\n\nNovember 2, 2026 –\nLenders must use UAD\n3.6 for all new\nsubmissions on or after\nthis date\n\nRevisions allowed for\npreviously submitted\nUAD 2.6 appraisals\n\n2.6 Pipeline\nCleared\n\nMay 3, 2027 –\nUAD 2.6 Pipeline\nrevisions period\nends\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.\n©2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n"} diff --git a/chunks/json/d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e.json b/chunks/json/d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e.json new file mode 100644 index 0000000000000000000000000000000000000000..9ab9fc9095b9b166e659ce380ef8924c5dfbf770 --- /dev/null +++ b/chunks/json/d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11727,"char_start":10869,"chunk_id":"chk_f9b36423d279a947","chunk_index":6,"chunk_sha256":"d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e","token_estimate":260,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-\nCost Mortgage; 3=Not subject to HOEPA\n1=Secured by first lien; 2=Secured by a subordinate\nlien; 3=Not secured by a lien; 4=Not Applicable\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\n\nRent4\nRentUT1\nRentUT2\nRentUT3\nRentUT4\nSpcHSGGoals\nTractRat\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n"} diff --git a/chunks/json/d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90.json b/chunks/json/d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90.json new file mode 100644 index 0000000000000000000000000000000000000000..eab9610a929a88996f8fb05b0f6303b2b42cef1c --- /dev/null +++ b/chunks/json/d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90.json @@ -0,0 +1 @@ +{"chunk":{"char_end":519738,"char_start":518114,"chunk_id":"chk_d4c70a5ce6bbf09d","chunk_index":306,"chunk_sha256":"d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the box was\nnot checked.\n\nBoolean\n\nA value of 'N' indicates there is no car storage. A value of 'Y' indicates the box was not\nchecked.\n\nBoolean\n\nA value of 'Y' indicates that there is a garage. A value of 'N' indicates the box was not\nchecked.\n\nIf field 2-72 (Car Storage Exists\nIndicator = 'N') is indicated, then none\nof fields 2-73, 2-74, 2-75 (Car Storage\nLocation Exists Indicator = 'Y' and\nvalues of Car Storage Location Type)\nshould be indicated. If field 2-72 is not\nindicated, then at least one of fields 2-\n73, 2-74, 2-75 should be indicated.\n\nIf field 2-72 (Car Storage Exists\nIndicator = 'N') is indicated than none\nof fields 2-73, 2-74, 2-75 (Car Storage\nLocation Exists Indicator = 'Y' and\nvalues of Car Storage Location Type), 2-\n77, 2-78 (values of Parking Space\nAssignment Type), 2-76 (Parking\nSpaces Count), 2-79 (Parking Spaces\nIdentifier) should be indicated. If field\n2-72 is not indicated then at least one\nof fields 2-73, 2-74, 2-75 (Car Storage\nLocation Exists Indicator = 'Y' and\nvalues of Car Storage Location Type)\nshould be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 101 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"} diff --git a/chunks/json/d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833.json b/chunks/json/d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833.json new file mode 100644 index 0000000000000000000000000000000000000000..3c8fd7dec47c93ff5dfbb53c172760eb2eb78a17 --- /dev/null +++ b/chunks/json/d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48402,"char_start":39529,"chunk_id":"chk_9ca5b22735d2f926","chunk_index":10,"chunk_sha256":"d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833","token_estimate":3370,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"15.0 N. Due from Seller at Closing - REMOVED .............................................................................................................................184\n16.0 Calculation (Seller’s Transaction) - REMOVED ......................................................................................................................185\n17.0 Loan Disclosures ......................................................................................................................................................................186\n17.1 Assumption ..........................................................................................................................................................................187\n17.2 Demand Feature..................................................................................................................................................................187\n17.3 Late Payment.......................................................................................................................................................................187\n17.4 Negative Amortization ........................................................................................................................................................187\n17.5 Partial Payments..................................................................................................................................................................187\n17.6 Security Interest ..................................................................................................................................................................187\nA. Mapping Guidance ..................................................................................................................................................................189\nB. For More Information .............................................................................................................................................................189\n18.0 Escrow Account - UPDATED ....................................................................................................................................................190\n18.1 Escrow Account Indicator ...................................................................................................................................................191\n18.2 – 18.5 Escrow Section .........................................................................................................................................................191\n1. Mapping Guidance ............................................................................................................................................................. 192\n18.6-18.7 No Escrow Account.....................................................................................................................................................193\n1. Mapping Guidance ............................................................................................................................................................. 195\nA. For More Information .............................................................................................................................................................195\n19.0 Adjustable Payment (AP) Table ..............................................................................................................................................196\nA. Loan Product and AP Table.....................................................................................................................................................197\nB. Loan Terms and AP Tables ......................................................................................................................................................197\nC.\n"} diff --git a/chunks/json/d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748.json b/chunks/json/d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748.json new file mode 100644 index 0000000000000000000000000000000000000000..bf8b668f813ea18344c9db1f06307d8c4726adfc --- /dev/null +++ b/chunks/json/d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748.json @@ -0,0 +1 @@ +{"chunk":{"char_end":506698,"char_start":505047,"chunk_id":"chk_22bbc6635f1def42","chunk_index":298,"chunk_sha256":"d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n\nIf field 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand Unit Charge Utility Type = 'Other')\nis indicated this field should be\npopulated.\n\nAt least one of fields 2-47 (Cooling\nCentralized Indicator = 'Y'), 2-48\n(Cooling Individual Indicator = 'Y'), 2-\n49 (Cooling Other Indicator = 'Y')\nshould be indicated. If field 2-50\n(Cooling Unit Description) indicates\n'None' then fields 2-47 and 2-48 should\nnot be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 99 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\n250\n\n2\n\n48\n\nUNIT\nDESCRIPTION\n\nCooling\nIndividual AC\n\nCooling Individual\nIndicator\n\nIndicates that the structure or unit has\nindividual cooling units.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Individu\nalIndicator\n\n251\n\n2\n\n49\n\nUNIT\nDESCRIPTION\n\nCooling\nOther\n\nCooling Other\nIndicator\n\nIndicates that the structure or unit has a\ncooling configuration other than\nCentralized or Individual. The details may\nbe found in Cooling Unit Description.\n"} diff --git a/chunks/json/d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a.json b/chunks/json/d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a.json new file mode 100644 index 0000000000000000000000000000000000000000..243df6e87f55d7c56ecabbd9fc5011368530f1f8 --- /dev/null +++ b/chunks/json/d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27725,"char_start":26122,"chunk_id":"chk_5755875d3252e00a","chunk_index":16,"chunk_sha256":"d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"HDR-L\n\nTAB\n\nSales Contract\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nCK1\n\nCK1\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nY/N\n\nYes No\n \n \n \n\nTXR-B\nTXR-B\nTXR-B\nTXR-B\n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\nTXC-B1\n\nNon-Arm’s Length Commentary\n\nTXC-I1\n\nPersonal property is not included in the appraiser’s final opinion of value\n\nH1\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nH1-TX\n\nTXR-B\nTXR-B\nTXR-I\n\nKnown Sales Concessions\nTotal Sales Concessions\n\nTypical for Market\n\nH1\nTXC\n\nH1\n\nSales Contract Analysis\n\nSales Contract Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nPrior Sale and Transfer History\n\nH1\n\nSubject Transfer History\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXC-I\nTXR-B\nTXR-I\n\nTCH\nTB\n\nTXC-B\n\nH1\n\nTXC-I\nTCH\nTB\n\nTXC-B\n\nH1\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nTransfer Terms\n\nDate\n\nAmount\n\nData Source\n\nAnalysis of Prior Sale and Transfer History of Subject Property\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n\nTransfer Terms\n\nData Source\n\nAmount\n\nDate\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales\n"} diff --git a/chunks/json/d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243.json b/chunks/json/d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243.json new file mode 100644 index 0000000000000000000000000000000000000000..062f5f41c277304ef81602e3aba27553ea5ce023 --- /dev/null +++ b/chunks/json/d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1745,"char_start":0,"chunk_id":"chk_bb700d351268d2aa","chunk_index":0,"chunk_sha256":"d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_efbba269affa1f3f","text_sha256":"d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae_and_Freddie_Mac_Multifamily_Businesses__bou0b.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/enterprise-multifamily-businesses\"\ndate_accessed: \"2026-01-27T17:48:03.533Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658.json b/chunks/json/d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658.json new file mode 100644 index 0000000000000000000000000000000000000000..4ce17cbed69d0d7e81c1ab1413cae4477859e5c8 --- /dev/null +++ b/chunks/json/d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25675,"char_start":23071,"chunk_id":"chk_134c66c542562039","chunk_index":13,"chunk_sha256":"d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/27551\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af.json b/chunks/json/d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af.json new file mode 100644 index 0000000000000000000000000000000000000000..43bcaac215d240c3097f670923b3ed6f01db1a32 --- /dev/null +++ b/chunks/json/d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8867,"char_start":7069,"chunk_id":"chk_5f20903791857531","chunk_index":4,"chunk_sha256":"d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4435ce779f140fb4","text_sha256":"d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Career_Opportunities___FHFA_519q7e.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Career Opportunities\n\n## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - Career Opportunities\n\nFHFA is a key player in the current and future U.S. housing market as the safety and soundness regulator of the Federal Home Loan Bank System and regulator and conservator of Fannie Mae and Freddie Mac.\n\nAt FHFA every employee plays a vital role in meeting our mission and we depend on them to aspire to excel in every aspect of their work; have the highest ethical and professional standards; respect each other, information and resources; and promote respect in our employment and business practices.\n"} diff --git a/chunks/json/d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6.json b/chunks/json/d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6.json new file mode 100644 index 0000000000000000000000000000000000000000..e74f040e78d7879754e7c44ac5a9374fd5e530e0 --- /dev/null +++ b/chunks/json/d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1663,"char_start":0,"chunk_id":"chk_99d5db44db596390","chunk_index":0,"chunk_sha256":"d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6","token_estimate":412,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"S\nU\nB\nJ\nE\nC\nT\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nP\nR\nO\nJ\nE\nC\nT\n\nS\nI\nT\nE\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nUnit #\nCity\nOwner of Public Record\n\nIndividual Condominium Unit Appraisal Report (Desktop)\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\nProperty Address\nBorrower\nLegal Description\nAssessor’s Parcel #\nProject Name\nOccupant\nProperty Rights Appraised\nAssignment Type\nLender/Client\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal?\nReport data source(s) used, offering price(s), and date(s).\n\nPhase #\nSpecial Assessments $\n\nTax Year\nMap Reference\n\nR.E. Taxes $\nCensus Tract\n\nPurchase Transaction\n\nRefinance Transaction\n\nState\nCounty\n\nHOA $\n\nOther (describe)\n\nOther (describe)\n\nFee Simple\n\nLeasehold\n\nper year\n\nZip Code\n\nTenant\n\nOwner\n\nAddress\n\nVacant\n\nYes\n\nFile #\n\nNo\n\nper month\n\nI\n did\nperformed.\n\ndid not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\n\nContract Price $\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower?\nIf Yes, report the total dollar amount and describe the items to be paid.\n\nIs the property seller the owner of public record?\n\nNo Data Source(s)\n\nDate of Contract\n\nYes\n\nYes\n\nNo\n\nNote: Race and the racial composition of the neighborhood are not appraisal factors.\n"} diff --git a/chunks/json/d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3.json b/chunks/json/d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3.json new file mode 100644 index 0000000000000000000000000000000000000000..5b92dc76898bde136d0a6fd32dad6afaf82d90d8 --- /dev/null +++ b/chunks/json/d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1928,"char_start":0,"chunk_id":"chk_e056932f5caad518","chunk_index":0,"chunk_sha256":"d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb2eec2920be917b","text_sha256":"d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3","token_estimate":482,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-apr-15-2023.pdf"]},"text":"DU for Government Loans Integration Impact Memo\nApril 2023 Release Update\n\nFeb. 22, 2023\n Updated Mar. 9, 2023\n\nDuring the weekend of April 15, 2023, Desktop Underwriter® (DU®) for government loans will be updated with the\nchanges specified below. These changes will apply to all loan casefiles submitted or resubmitted on or after the\nweekend of April 15, 2023. Read the release notes to ensure that your integrated system(s) will be prepared to\nsupport this release.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nThe release scheduled for the weekend of March 18 will no longer take place and instead will be implemented\nduring the weekend of April 15. This integration impact memo has been updated to reflect the new release date.\n\nChanging the Conditionality for the FHA Positive Rental History Indicator\n\nFor all cases with an FHA Case Assignment date on or after March 25, 2023, or for cases submitted or resubmitted\nwithout an FHA case number on or after that same date, the FHA TOTAL Scorecard will generate an error if a value for\nthe Positive Rental History indicator is not provided. For cases where Positive Rental History does not apply, including\nrefinances, lenders should provide a value of “false.” Refinances submitted with any value other than “false” will also\ngenerate an error message from FHA. This change will be reflected in the next DU Specification (“DU Spec”) update.\n\nHow will this affect my integrated system(s) and User Interface?\n\nIntegrated System(s)\n\nWhen sending the MISMO v3.4 data point ULAD:PositiveRentalHistoryIndicator with a “true” enumeration on an FHA\nPurchase loan casefile with a positive rental history, DU will issue message ID 2476 to indicate Positive Rental History\non the loan application. Verify and document the Positive Rental History according to the FHA Single Family Housing\nPolicy Handbook 4000.1.\n"} diff --git a/chunks/json/d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee.json b/chunks/json/d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee.json new file mode 100644 index 0000000000000000000000000000000000000000..378bf8a01e9324f17470a27671e86aeb875b4d74 --- /dev/null +++ b/chunks/json/d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":366823,"char_start":365189,"chunk_id":"chk_c4b3ea69fb762b40","chunk_index":296,"chunk_sha256":"d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 22 - 6\n\nPage 281\n\n• The Comparable # and property address repeat at the top of each page with the row header Property Address. (Figure 22 - 7)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 22 - 7\n\nPage 282\n\n• An image of the property displays just below property addresses in General Information.\n• Row Headers (Data Source, Proximity to Subject, List Price, etc.) are to remain in the order that they appear in the “Supplement –\n\nApproaches to Value Grids” spreadsheet.\n\nGeneral Information\n\nThe General Information subsection always displays in the Sales Comparison Approach. A thumbnail photo of the subject and each\ncomparable displays under the address.\n\nGeneral Information is the first of six subsections that has adjustments at the row level.\n\nThere are 21 defined rows in this subsection.\n\n➢\n➢\n➢\n➢\n\n11 rows are required (Always)\n1 row is conditionally required (If Applicable)\n9 rows may be provided (If Relevant)\nAdditional rows may be added to this section\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nProject Information\n\nThe Project Information subsection displays when the subject or any comparable property is in a project (condominium, coop, or condop) -\nPropertyInProjectIndicator (UID: 0100.0065, FID: 3.011) = \"true\". Project Information is a unique subsection in that it may also be provided if\nrelevant, such as for PUDs when there are significant monthly fees, common amenities, and services, and/or special assessments.\n\nProject Information is the first of four subsections that has an overall adjustment at the subsection header level.\n\nPage 283\n\nThere are 4 defined rows in this subsection.\n"} diff --git a/chunks/json/d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0.json b/chunks/json/d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0.json new file mode 100644 index 0000000000000000000000000000000000000000..8b701a210eca2a970b25b49c2f7ce67c1c7d3625 --- /dev/null +++ b/chunks/json/d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_d6fa02cc9dc789be","chunk_index":0,"chunk_sha256":"d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1dbe7dbe1e6ec9b","text_sha256":"d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FOIA_Annual_Report___U_S__FEDERAL_HOUSING_zocnl.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/foia-annual-report\"\ndate_accessed: \"2026-01-27T17:54:20.680Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad.json b/chunks/json/d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad.json new file mode 100644 index 0000000000000000000000000000000000000000..a3aa088f397b8cb23728d9247dc9e65b7a3c510f --- /dev/null +++ b/chunks/json/d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15944,"char_start":0,"chunk_id":"chk_b73a4884326177b1","chunk_index":0,"chunk_sha256":"d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad","date_utc":"2026-01-27T18:13:19+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_4cb23ebd19e74e60","text_sha256":"d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad","token_estimate":594,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_ctf/2024_Enterprise_MF_CTF/msa_2024.txt"]},"text":"\"10180\" \"Abilene, TX Metro Area\"\n\"10380\" \"Aguadilla, PR Metro Area\"\n\"10420\" \"Akron, OH Metro Area\"\n\"10500\" \"Albany, GA Metro Area\"\n\"10540\" \"Albany, OR Metro Area\"\n\"10580\" \"Albany-Schenectady-Troy, NY Metro Area\"\n\"10740\" \"Albuquerque, NM Metro Area\"\n\"10780\" \"Alexandria, LA Metro Area\"\n\"10900\" \"Allentown-Bethlehem-Easton, PA-NJ Metro Area\"\n\"11020\" \"Altoona, PA Metro Area\"\n\"11100\" \"Amarillo, TX Metro Area\"\n\"11180\" \"Ames, IA Metro Area\"\n\"11200\" \"Amherst Town-Northampton, MA Metro Area\"\n\"11260\" \"Anchorage, AK Metro Area\"\n\"11460\" \"Ann Arbor, MI Metro Area\"\n\"11500\" \"Anniston-Oxford, AL Metro Area\"\n\"11540\" \"Appleton, WI Metro Area\"\n\"11640\" \"Arecibo, PR Metro Area\"\n\"11700\" \"Asheville, NC Metro Area\"\n\"12020\" \"Athens-Clarke County, GA Metro Area\"\n\"12060\" \"Atlanta-Sandy Springs-Roswell, GA Metro Area\"\n\"12100\" \"Atlantic City-Hammonton, NJ Metro Area\"\n\"12220\" \"Auburn-Opelika, AL Metro Area\"\n\"12260\" \"Augusta-Richmond County, GA-SC Metro Area\"\n\"12420\" \"Austin-Round Rock-San Marcos, TX Metro Area\"\n\"12540\" \"Bakersfield-Delano, CA Metro Area\"\n\"12580\" \"Baltimore-Columbia-Towson, MD Metro Area\"\n\"12620\" \"Bangor, ME Metro Area\"\n\"12700\" \"Barnstable Town, MA Metro Area\"\n\"12940\" \"Baton Rouge, LA Metro Area\"\n\"12980\" \"Battle Creek, MI Metro Area\"\n\"13020\" \"Bay City, MI Metro Area\"\n\"13140\" \"Beaumont-Port Arthur, TX Metro Area\"\n\"13220\" \"Beckley, WV Metro Area\"\n\"13380\" \"Bellingham, WA Metro Area\"\n\"13460\" \"Bend, OR Metro Area\"\n\"13740\" \"Billings, MT Metro Area\"\n\"13780\" \"Binghamton, NY Metro Area\"\n\"13820\" \"Birmingham, AL Metro Area\"\n\"13900\" \"Bismarck, ND Metro Area\"\n\"13980\" \"Blacksburg-Christiansburg-Radford, VA Metro Area\"\n\"14010\" \"Bloomington, IL Metro Area\"\n\"14020\" \"Bloomington, IN Metro Area\"\n\"14260\" \"Boise City, ID Metro Area\"\n\"14460\" \"Boston-Cambridge-Newton, MA-NH Metro Area\"\n\"14500\" \"Boulder, CO Metro Area\"\n\"14540\" \"Bowling Green, KY Metro Area\"\n\"14580\" \"Bozeman, MT Metro Area\"\n\"14740\" \"Bremerton-Silverdale-Port Orchard, WA Metro Area\"\n\"14860\" \"Bridgeport-Stamford-Danbury, CT Metro Area\"\n\"15180\" \"Brownsville-Harlingen, TX Metro Area\"\n\"15260\" \"Brunswick-St.\n"} diff --git a/chunks/json/d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47.json b/chunks/json/d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47.json new file mode 100644 index 0000000000000000000000000000000000000000..c252bbdb8b16762cc16625527c3ddefdc8374152 --- /dev/null +++ b/chunks/json/d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11586,"char_start":9773,"chunk_id":"chk_98d0a911772f30a0","chunk_index":5,"chunk_sha256":"d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7770082cb77839a3","text_sha256":"d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47","token_estimate":520,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FAIR_Act_Inventory___U_S__FEDERAL_HOUSING_jnhsrj.md"]},"text":"Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/246&order=field_release_date&sort=asc) Report Attachment September 07, 2023 [2019 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2019) [Read Report](/media/52126) September 07, 2023 [2020 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2020) [Read Report](/media/52131) September 07, 2023 [2021 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2021) [Read Report](/media/52136) September 07, 2023 [2018 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2018) [Read Report](/document/2018-fhfa-fair-act-inventory) March 07, 2019 [2017 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2017) [Read Report](/document/2017-fhfa-fair-act-inventory) June 27, 2016 [2016 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2016) [Read Report](/media/29871) June 23, 2015 [2015 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2015) [Read Report](/media/29866) June 25, 2014 [2014 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2014) [Read Report](/media/29861) June 26, 2013 [2013 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2013) [Read Report](/media/25416) June 12, 2012 [2012 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2012) [Read Report](/media/25411) June 23, 2011 [2011 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2011) [Read Report](/document/2011-fhfa-fair-act-inventory) June 30, 2010 [2010 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2010) [Read Report](/media/25421) June 30, 2009 [2009 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2009) [Read Report](/media/25426)\n"} diff --git a/chunks/json/d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66.json b/chunks/json/d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66.json new file mode 100644 index 0000000000000000000000000000000000000000..141a1f0a8f4e8a9cb3b52edb2dc07f8671c70ed2 --- /dev/null +++ b/chunks/json/d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1840,"char_start":1684,"chunk_id":"chk_7439040a70da1a7f","chunk_index":1,"chunk_sha256":"d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a4ed654e410272cd","text_sha256":"d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66","token_estimate":49,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/link_p1zim.md","below_target_min_tokens"]},"text":"Try again ![⚠️](https://abs-0.twimg.com/emoji/v2/svg/26a0.svg)Some privacy related extensions may cause issues on x.com. Please disable them and try again.\n"} diff --git a/chunks/json/d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6.json b/chunks/json/d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6.json new file mode 100644 index 0000000000000000000000000000000000000000..2961dc96a606ec4b93abcf9abccf8ee8078c873b --- /dev/null +++ b/chunks/json/d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":625741,"char_start":624134,"chunk_id":"chk_6fc59916cbe8238f","chunk_index":369,"chunk_sha256":"d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nNumeric, whole years only. Zero (0) is a valid value.\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the overall condition of the property.\n\n425\n\n3\n\n85\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEOverallConditionType\n\n2\n\nEnumerated\n\nAllowable Values\n C1\n C2\n C3\n C4\n C5\n C6\n\n426\n\n3\n\n86\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition Adjustment\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘Condition’]/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n427\n\n3\n\n87\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nAdjustment\n"} diff --git a/chunks/json/d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23.json b/chunks/json/d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23.json new file mode 100644 index 0000000000000000000000000000000000000000..44bfd406cbe6e980185125f12a9721700b50543d --- /dev/null +++ b/chunks/json/d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14707,"char_start":12893,"chunk_id":"chk_67743fead495c18f","chunk_index":8,"chunk_sha256":"d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23","token_estimate":454,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.xml/SF4_Appraisal_v1.3.xml"]},"text":"VehicleStorage\n\n-5000\n\nOutbuilding\n\n777020\n\nNorth\n\nMost\n\nfalse\n\n198\n\n3\n\n0.40\n\n7020\n\nfalse\n\nfalse\n\nDwelling\n\n1978\n\nfalse\n\nCarpets, Tile, Hardwood\n\nFlooring\n\nModeratelyUpdated\n\nStandard 8-9 Ft. Ceilings\n\nWallsAndCeiling\n\n428\n\n3256\n\n1200\n\nfalse\n\n3\n\n2\n\n1\n\nC4\n\nQ4\n\nMid Grade Finishes\n\nModeratelyUpdated\n\nComp 3 Primary\n\nMid Grade Quality\n\nKitchen\n\nPartiallyUpdated\n\nColonial\n\nAluminum\n\nExteriorWallsAndTrim\n\ntrue\n\nComposition\n\nRoof\n\nC3\n\nQ4\n\n1\n\nForcedWarmAir\n\nfalse\n\nOutbuilding\n\ntrue\n\nOther\n\nADUGarage\n\n625\n\n0\n\ntrue\n\n1\n\n1\n\n0\n\nC4\n\nQ4\n\nComp 3 ADU\n\n1\n\nOutbuilding\n\ntrue\n\nPoolHouse\n\nElectricity\n\n0\n\n216\n\nPropertyPhoto\n\n\\\\Images\\SF4_Comp3.png\n\nimage/png\n\n94\n\n789000\n\nSettledSale\n\n25.164176\n\n-51.328128\n\nDeck\n\nPatio\n\nOutdoorLiving\n\nIngroundPool\n\nOther\n\nDiving Board\n\nWaterFeatures\n\n1\n\nDetached\n\n1\n\ntrue\n\n1\n\nC4\n\nQ4\n\ntrue\n\nLeasehold\n\nfalse\n\nfalse\n\n1000\n\nfalse\n\ntrue\n\n2019-04-01\n\n2019-08-01\n\n770000\n\nSale\n\nNotDisclosed\n\n2015-04-05\n\nSale\n\nOther\n\nNonMLSSale\n\nNone\n\nConcrete\n\nLocal\n\nfalse\n\n14500\n\nFull\n\nResidential\n\nAD43201\n\nClient\n\nNowhere432159\n\nValuationSoftwareVendor\n\nABC123\n\nManagementCompany\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nThe subject and comparables are located within a suburban market area that is within 40 miles commuting distance to the Northern Virginia and Washington, DC metropolitan business and government centers. Sales of properties with accessory dwelling units, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #2 and #3 are given greatest consideration as they are the most proximate, contain accessory dwelling units and are most similar in age, quality, and condition to the subject. The subject and all comparables are located within the \"Unreal Farms\" neighborhood and are leasehold properties.\n"} diff --git a/chunks/json/d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8.json b/chunks/json/d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8.json new file mode 100644 index 0000000000000000000000000000000000000000..bb9bd12ba301a881c150d6b1bcfece851a216560 --- /dev/null +++ b/chunks/json/d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":251289,"char_start":249064,"chunk_id":"chk_94f9556afeb3735f","chunk_index":140,"chunk_sha256":"d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8","token_estimate":557,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Additionally, older comparable sales that are the best indicator of value for the subject property can be used if appropriate. For\nexample, if the subject property is located in a rural area that has minimal sales activity, the appraiser may not be able to locate\nthree truly comparable sales that sold in the last 12 months. In this case, the appraiser may use older comparable sales if they\nexplain why they are being used.\n\nAdditional Requirements for New (or Recently Converted) Condos, Subdivisions, or PUDS\n\nIf the subject property is located in a new (or recently converted) condo project, subdivision, or PUD, it must be compared to\nother properties in the same market area and to properties within the subject condo project, subdivision, or PUD. This\ncomparison should help demonstrate market acceptance of new developments and the properties within them. Generally, a\nsubdivision is considered new when there are limited or no resales or the builder or developer is involved in the marketing or sale\nof the properties. See SB4-2.1-01, General Information on Project Standards and Selling Guide B4-2.3-01, Eligibility Requirements\nfor Units in PUD Projects for the definition of a new condo project or PUD.\n\nAt a minimum, the appraisal report for these properties must include the following:\n\n• At least one settled comparable sale from the subject condo project, subdivision, or PUD. (A resale is preferable if it is\n\nverifiable and does not involve the subject builder or developer).\n\n• At least one settled comparable sale from outside the subject condo project, subdivision, or PUD.\n• A third settled comparable sale can be from inside or outside of the subject condo project, subdivision, or PUD. Settled\ncomparable sales or resales from within the subject condo project, subdivision, or PUD are preferable to settled sales\nfrom outside the condo project, subdivision, or PUD provided the builder or developer of the subject property is not\ninvolved in those transactions.\nIn the event there are no settled comparable sales inside a new condo project, subdivision, or PUD because the subject\nproperty transaction is one of the first units to sell, the appraiser may use two pending sales in the subject project,\n"} diff --git a/chunks/json/d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571.json b/chunks/json/d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571.json new file mode 100644 index 0000000000000000000000000000000000000000..261d84dfd8be71685561fc74e7fe8b432c14fe64 --- /dev/null +++ b/chunks/json/d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3209,"char_start":1609,"chunk_id":"chk_e837b2d84dac9826","chunk_index":1,"chunk_sha256":"d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"image/png\n\nBelowGradeOne\n\nHalf bath newer than rest of house.\n\nTypicalWearAndTear\n\nCeramic flooring.\n\nHalfBathroom\n\nFiveToTenYears\n\nFullyUpdated\n\n\\\\Images\\SF1_MediaRoom.png\n\nimage/png\n\nBelowGradeOne\n\nMediaRoom\n\n\\\\Images\\SF1_RecreationRoom.png\n\nimage/png\n\nBelowGradeOne\n\nRecreationRoom\n\n\\\\Images\\SF1_WetBar.png\n\nimage/png\n\nBelowGradeOne\n\nOther\n\nWet Bar\n\nLevelOne\n\nBedroom\n\nLevelOne\n\nDiningRoom\n\n\\\\Images\\SF1_FamilyRoom.png\n\nimage/png\n\nLevelOne\n\nFamilyRoom\n\nBath 3\n\n\\\\Images\\SF1_FullBath3.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nCeramic flooring.\n\nFullBathroom\n\nNotUpdated\n\n\\\\Images\\SF1_Kitchen.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nCorian Countertops, Double Oven, Hardwood floors.\n\nKitchen\n\nNotUpdated\n\nLevelOne\n\nOther\n\nOffice\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nBath 1\n\n\\\\Images\\SF1_FullBath1.png\n\nimage/png\n\nLevelTwo\n\nTypicalWearAndTear\n\nDouble Sink with separate shower and extra-large tub, ceramic flooring.\n\nFullBathroom\n\nNotUpdated\n\nBath 2\n\n\\\\Images\\SF1_FullBath2.png\n\nimage/png\n\nLevelTwo\n\nTypicalWearAndTear\n\nCeramic flooring.\n\nFullBathroom\n\nNotUpdated\n\nLevelTwo\n\nLaundryRoom\n\nColonial\n\nSiteBuilt\n\nVinyl\n\nMinor cracks to vinyl typical for age.\n\nTypicalWearAndTear\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nBasement\n\nTypicalWearAndTear\n\nFoundation\n\nTenToTwentyYears\n\ntrue\n\nComposition\n\nReported condition is subject to repair; see defects table and commentary below.\n\nTypicalWearAndTear\n\nRoof\n\nWindows same age as house.\n\nTypicalWearAndTear\n\nDouble Thermal Pane contributes to Energy Efficiency.\n\nWindows\n\nVinyl Double Hung - Thermal Pane\n\nC4\n"} diff --git a/chunks/json/d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5.json b/chunks/json/d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5.json new file mode 100644 index 0000000000000000000000000000000000000000..9375d055385d9e60c46e72962208e6106b3a61ac --- /dev/null +++ b/chunks/json/d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27392,"char_start":25783,"chunk_id":"chk_037bd869f94564a8","chunk_index":15,"chunk_sha256":"d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"If LanguageCode is absent and ULAD:LanguageRefusalIndicator is “true”, DU will consume the indicator.\n\nIf both LanguageCode and ULAD:LanguageRefusalIndicator are absent, nothing will be consumed by DU.\n\n19. How should Preferred Language with “Other” be reflected in the loan application submission\n\nfile?\n\nWhen a Borrower selects “Other” as the Preferred Language and enters in the other language on the\nSupplemental Consumer Information Form, in the loan application submission file the LanguageCode\n(UID 1.0181), is reflected as “zxx”, and the value entered is provided in the data point\nULAD:LanguageCodeOtherDescription (UID 1.0182)\n\n20. There are no values listed for InvestorProductPlanIdentifier (Unique ID 13.0053) in the DU Spec.\n\nWhere is the information listed for those values?\n\nThis link has been added to the DU Spec in the Implementation Notes of\nInvestorProductPlanIdentifier. It directs users to the details of the ARM Plan each value represents.\n\n21. What Freddie Mac-specific data points and enumerations are allowed/not allowed to be included\n\nin a DU Loan Application Submission file sent to Fannie Mae?\n\nFannie Mae will allow the inclusion of any valid MISMO v3.4 data points that Freddie Mac uses on\nthe Loan Application Submission file even if they are not included in the DU Spec.\n\nFannie Mae will IGNORE the inclusion of any data points that Freddie Mac has added to its file using\nEXTENSION containers with Freddie Mac’s namespace (lpa:).\n\nEven if an enumeration used by Freddie Mac is valid in MISMO v3.4, Fannie Mae will NOT accept\nenumerations that are not listed in the DU Spec.\n"} diff --git a/chunks/json/d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec.json b/chunks/json/d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec.json new file mode 100644 index 0000000000000000000000000000000000000000..ae938f989a90f09b16f697eb4de69d09320171ab --- /dev/null +++ b/chunks/json/d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17188,"char_start":16486,"chunk_id":"chk_a574d77e02c84e91","chunk_index":16,"chunk_sha256":"d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec","token_estimate":448,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"4.(cid:20)(cid:20)(cid:27)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:20)(cid:20)(cid:27)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.(cid:20)(cid:20)(cid:28)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:20)(cid:20)(cid:28)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:20)(cid:26)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:21)(cid:19)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:21)(cid:19)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:21)(cid:24)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:21)(cid:24)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n"} diff --git a/chunks/json/d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e.json b/chunks/json/d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e.json new file mode 100644 index 0000000000000000000000000000000000000000..c4eb9673dc6677b5496b337a690c4a6cf45c6c91 --- /dev/null +++ b/chunks/json/d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21178,"char_start":19515,"chunk_id":"chk_21b0da03dcd37dba","chunk_index":12,"chunk_sha256":"d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e","token_estimate":416,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"5. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless\nspecific arrangements to do so have been made beforehand, or as otherwise required by law.\n\n6. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of\nhazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of\nduring the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no\nknowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to,\nneeded repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that\nwould make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties,\nexpress 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\nhazards, this appraisal report must not be considered as an environmental assessment of the property.\n\n7. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory\ncompletion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be\nperformed in a professional manner.\n"} diff --git a/chunks/json/d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b.json b/chunks/json/d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b.json new file mode 100644 index 0000000000000000000000000000000000000000..b69287ee5c115c3cf88741556da72eb4ec3b48bc --- /dev/null +++ b/chunks/json/d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20032,"char_start":18557,"chunk_id":"chk_7d7d1c2161e2015d","chunk_index":10,"chunk_sha256":"d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b","token_estimate":415,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"---\n\n[1] Learn more and download FEMA’s NRI [here](https://hazards.fema.gov/nri/learn-more).\n\n[2] Learn more about FHFA’s Duty to Serve high-needs rural areas designations and the FHFA Duty to Serve data [here](https://www.fhfa.gov/data/duty-to-serve/eligibility-data).\n\n[3] See NOAA website [here](https://www.nhc.noaa.gov/climo/#:~:text=The%20official%20hurricane%20season%20for,%2DAugust%20and%20mid%2DOctober.)\n\n[4] See NOAA article on 2024 Hurricane Season [here](https://www.noaa.gov/news-release/noaa-predicts-above-normal-2024-atlantic-hurricane-season).\n\n[5] See page 196 of the NRI’s technical documentation [here](https://www.fema.gov/sites/default/files/documents/fema_national-risk-index_technical-documentation.pdf) for more details.\n\n[6] See page 206 of the same document in footnote 6.\n\n[7] See page 210 of the same document in footnote 6.\n\n[8] The data in the dashboard represent the complete merged dataset. Some census tracts in the PUDB are not represented in the NRI, thus estimates of acquisitions and UPB will be slight underestimates.\n\n[9] See National Hurricane Center report on Hurricane Beryl’s landing [here](https://www.nhc.noaa.gov/archive/2024/al02/al022024.public.039.shtml?).\n\n[10] This estimate was calculated using the “Acquisition” tab in the dashboard and selecting Texas from the state drop down menu.\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"} diff --git a/chunks/json/d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031.json b/chunks/json/d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031.json new file mode 100644 index 0000000000000000000000000000000000000000..80cb9922af52fb2cb7c68931e6ecec49b91e688b --- /dev/null +++ b/chunks/json/d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62995,"char_start":61361,"chunk_id":"chk_ce9adc9bcfdf95d5","chunk_index":37,"chunk_sha256":"d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"16\n\nSUBJECT\n\nR.E. Taxes $\n\nGSE Property Tax\nTotal Tax Amount\n\nThe total of all of the property's real\nestate taxes for this year excluding\nany special assessments, across all\ntax jurisdictions and authorities. This\nis the amount assessed for the tax\nyear, not the amount paid.\n\nSUBJECT\n\nNeighborhood Name\n\nNeighborhood Name The name of the neighborhood.\n\nMap Reference\nIdentifier\n\nCensus Tract\nIdentifier\n\nA reference to a regionally specific\nmap document that assists in locating\na property. May refer to locally\navailable published map products\n(e.g. Thomas Map in CA) or a county\ntax map.\nIdentifies census tract as defined by\nthe U.S. Census Bureau where\nsubject property is located.\n\n17\n\n18\n\n19\n\n20\n\n21\n\n22\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n17\n\n18\n\n19\n\n20\n\n21\n\nSUBJECT\n\nMap Reference\n\nSUBJECT\n\nCensus Tract\n\nSUBJECT\n\nSUBJECT\n\nOccupant\nOwner\n\nOccupant\nTenant\n\n/VALUATION_RESPONSE/PROPERTY/_TA\nX/PROPERTY_TAX_EXTENSION/PROPERT\nY_TAX_EXTENSION_SECTION[@Extension\nSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/PROPERTY_TAX_EXTENSION_\nSECTION_DATA/PROPERTY_TAX_AMOU\nNT/@GSEPropertyTaxTotalTaxAmount\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/@_Name\n\n/VALUATION_RESPONSE/PROPERTY/_IDE\nNTIFICATION/@MapReferenceIdentifier\n\n/VALUATION_RESPONSE/PROPERTY/_IDE\nNTIFICATION/@CensusTractIdentifier\n\n10\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only.\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\n\nString\n\nString\n\n60\n\n30\n\n25\n\n15\n\n15\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy\nstatus of a subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType='OwnerOccupied']\n"} diff --git a/chunks/json/d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4.json b/chunks/json/d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4.json new file mode 100644 index 0000000000000000000000000000000000000000..d98bbdf433e242ac08ea33e421bcd3f8037c40c5 --- /dev/null +++ b/chunks/json/d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13824,"char_start":10728,"chunk_id":"chk_ad513d84b8ccd254","chunk_index":6,"chunk_sha256":"d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4","token_estimate":774,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"Glossary of Frequently used terms Definition **Goal-Eligible Purchase Loans** Goal-eligible purchase loans are home purchase mortgages on owner-occupied housing with one to four units. They are conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. **Low-Income Purchase (LIP) Loans** Low-income purchase loans are the subset of goal-eligible purchase loans acquired by the Enterprises where borrowers had incomes no greater than 80 percent of the area median income. **Very Low-Income Purchase (VLIP) Loans** Very low-income purchase loans are the subset of goal-eligible home purchase mortgages acquired by the Enterprises where borrowers had incomes no greater than 50 percent of the area median income. **Low-Income Areas Subgoal (LIAS) Loans** Low-income areas subgoal loans are the subset of goal-eligible purchase loans made to two subgroups: a) families living in low-income census tracts; and b) families with incomes no greater that 100 percent of area median income living in minority census tracts. This subgoal was replaced by the low-income census tracts subgoal and the minority census tracts subgoal starting in 2022. **Minority Census Tracts Subgoal (MCT) Loans** Minority census tracts subgoal loans are the subset of goal-eligible purchase loans made to families with incomes no greater that 100 percent of area median income living in minority census tracts. This subgoal became effective in 2022. **Low-Income Census Tracts Subgoal (LCT)** **Loans** Low-income census tracts subgoal loans are the subset of goal-eligible purchase loans made to two subgroups: a) families living in low-income census tracts that are not minority census tracts; and b) families with incomes greater that 100 percent of area median income living in low-income census tracts that are also minority census tracts. This subgoal became effective in 2022. **Goal-Eligible Refinance Loans** Goal-eligible refinance loans are refinance mortgages on owner-occupied housing with one to four units. They are conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. **Low-Income Refinance (LIR) Loans** Low-income refinance loans are the subset of goal-eligible refinance loans acquired by the Enterprises where borrowers had incomes no greater than 80 percent of the area median income. **Minority Census Tracts** Census tracts that have a minority population of at least 30 percent and a median income of less than 100 percent of area median income. **Low-Income Census Tracts** Census tracts where the median income is no greater than 80 percent of area median income. **Minority** Minority means any individual who is included within any one or more of the following racial and ethnic categories:\n"} diff --git a/chunks/json/d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8.json b/chunks/json/d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8.json new file mode 100644 index 0000000000000000000000000000000000000000..53e8ab07dfece4c8b56ff8eeba8bb139cd58e2ef --- /dev/null +++ b/chunks/json/d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":59068,"char_start":57217,"chunk_id":"chk_ba3fc896ef3e0496","chunk_index":34,"chunk_sha256":"d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8","token_estimate":463,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 28 of 29\nPage 28 of 29\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"} diff --git a/chunks/json/d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a.json b/chunks/json/d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a.json new file mode 100644 index 0000000000000000000000000000000000000000..5a1296a0d6d3735e3a9994ae2213d3cd68bebad6 --- /dev/null +++ b/chunks/json/d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16016,"char_start":14387,"chunk_id":"chk_7b5b363a05103895","chunk_index":9,"chunk_sha256":"d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2023-003 Updated Report Label for reference to Supervisory Appraiser Certifications.\n\n2023-015 Corrected Report Label for Exterior Inspection Method (2.021-2.036) and Interior Inspection Method (2.022-2.037).\n\n2023-037\n\nClarified the ‘Definition / Additional Guidance’ column for ID (2.025, 2.040, 2.050), and corrected references to ASC and\nthe ASC National Registry.\n\n2023-058 Updated the ‘Definition / Additional Guidance’ column for Neighborhood Name (3.003).\n\n2023-045 Dwellings Containing Units (3.007): Clarified that format is a number.\n\n2023-069 Clarified that commercial space in project buildings is addressed in Project Information.\n\n2023-050\n\nZoning Compliance (4.034): Updated definition for Legal Nonconforming.\n\n04 Site\n\n2023-019 4.034: Clarified that photos are required for all water frontage with private access.\n\n08 Dwelling\nExterior\n\n09 Manufactured\nHome\n\n2023-013 4.039: Clarified that photos are required for all views that impact value or marketability.\n\n2023-013 4.059: Clarified that photos or images of encroachments are not required.\n\n2023-040 Corrected display rules and added examples for Converted Area (8.012-8.013).\n\n2023-037 Corrected Report Field ID 8.035 to match sample from Appendix C-1.\n\n2023-063 Added example of a manufactured home that is an ADU (outbuilding).\n\n2023-066 Updated allowable answers for Manufactured Home Width (9.005).\n\n2023-037 Updated sample for manufactured homes that are ADUs to match Appendix C-1.\n\n2023-017 Updated introduction to clarify treatment of detached garages.\n\n2023-025 Clarified the ‘Definition / Additional Guidance’ column for Unit Identifier (10.002).\n"} diff --git a/chunks/json/d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c.json b/chunks/json/d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c.json new file mode 100644 index 0000000000000000000000000000000000000000..650537e75ae9355e79d6e630a98fc5b14c31eda9 --- /dev/null +++ b/chunks/json/d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":278822,"char_start":277211,"chunk_id":"chk_3d2051ec35af3e8d","chunk_index":244,"chunk_sha256":"d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\no When HeatingSystemType <> None, Detail - HeatingFuelType (UID: 0300.0086, FID: 12.015) must be provided for each heating\n\nPage 209\n\nsystem type. (Figure 12 - 7)\n\no When HeatingSystemType = “None”,\n\n▪ Detail - LackOfHeatingSystemTypicalToMarketIndicator (UID: 0300.0083, FID: 12.015) is required.\n\n• When true, display “Typical for Market”\n• When false, display “Not Typical for Market”\n\nCooling\n\n• System - CoolingSystemType (UID: 0300.0084, FID: 12.016) always displays. If there are multiple, display as stacked in a new row.\n\no Cooling - CoolingSystemExistsIndicator (UID: 0300.0022, FID: 12.009)\n\n▪ When true, display cooling system type\n▪ When false, display “None”\n\nOther Mechanical Systems\n\n• Other Mechanical Systems - MechanicalSystemType (UID: 0300.0090, FID: 12.017) displays when provided. If there are multiple, display as\n\nstacked.\n\no When there are no other mechanical systems, Other Mechanical Systems does not display.\n\nFigure 12 - 7\n\nApparent Defects, Damages, Deficiencies ([Outbuilding Type])\n\nThe Apparent Defects, Damages, Deficiencies ([OutbuildingType]) subsection header displays in the gray bar.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 210\n\nOutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019)\n\n• When false, display “None” (Figure 12 - 8)\n• When true, display static text in italics (FID: 12.019) “The items listed below represent the As Is condition as of the effective date of\n\nthis report” and the following data is required (Figure 12 - 9):\n\no Feature - DefectComponentLabelType (UID: 3900.0164, FID: 12.020)\n"} diff --git a/chunks/json/d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d.json b/chunks/json/d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d.json new file mode 100644 index 0000000000000000000000000000000000000000..fb1df21ef546f0471b8e2eb45de84d678f9aff90 --- /dev/null +++ b/chunks/json/d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":66060,"char_start":64366,"chunk_id":"chk_c843782a034e6f11","chunk_index":36,"chunk_sha256":"d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d","token_estimate":424,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Is there an Additional\nCaption\n(Free-form Text)?\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\n24\n\nIncome\nApproach\n(Continued)\n\nMap of GRM\nComparables\n\nAn additional caption may be\nprovided\n\nIf Income Approach is in\nthe URAR\n\nIncome Approach\nExhibits\n\nRequired for each photo or\nimage\n\n25\n\nCost\nApproach\n\nMap of Land\nComparables\n\nMay be provided to further\nidentify the image\n\nCost Approach Exhibits\n\nRequired for each photo or\nimage\n\n26\n\nReconciliation\n\nReconciliation Exhibits\n\nRequired for each photo or\nimage\n\n27\n\n28\n\n29\n\nRevision\nHistory\n\nSupplemental\nInformation\n\nSupplemental\nInformation Exhibits\n\nRequired for each photo or\nimage\n\nCertifications\nand Scope of\nWork, which\nincludes the\nCertifications\nblack tab\n\nA map showing the subject\nproperty and the Gross Rent\nMultiplier (GRM) Comparables\ncan display here, or as one\nmap in the Sales Comparison\nApproach section.\nPhotos or images related to\nthe Income Approach section\nthat are not specified above.\n\nPhotos or images related to\nthe Cost Approach section that\nare not specified above,\nincluding an image of the\nworksheet showing support of\nCost Approach calculations\n25.052.\n\nThis section does not have any\nimages associated with it.\nPhotos and images must only\nbe displayed in Supplemental\nInformation when they are not\nrelevant to any other section.\n\nThis section does not have any\nimages associated with it.\n\nAdditional Guidance: Maps\n\nThe appraiser must check to be sure the vendor software has correctly placed all addresses on any maps. For\nsituations where the software does not correctly auto-populate, and if vendor software allows, the appraiser\nmust “move the pin” to the location of the dwelling on the property.\n"} diff --git a/chunks/json/da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064.json b/chunks/json/da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064.json new file mode 100644 index 0000000000000000000000000000000000000000..dd4a1d844f112e3a6110f9d5b24f09fb38171e2c --- /dev/null +++ b/chunks/json/da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20778,"char_start":20307,"chunk_id":"chk_0a5d1506a49fdc93","chunk_index":24,"chunk_sha256":"da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appraisal File Structure – Submission to UCDP ....................................................................................................................................................................................... 62\n\nCreation of .zip File .................................................................................................................................................................................................................... 63\n"} diff --git a/chunks/json/da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037.json b/chunks/json/da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037.json new file mode 100644 index 0000000000000000000000000000000000000000..6129ab620820cca561ef53f387098ad9863a7baf --- /dev/null +++ b/chunks/json/da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34965,"char_start":33158,"chunk_id":"chk_b86c0dd0581135c9","chunk_index":18,"chunk_sha256":"da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037","token_estimate":452,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Loan Amount (Note Amount): Loan\n\nAmount is a modified HMDA data\nelement that identifies the amount to be\nrepaid as disclosed on the legal\nobligation (Note Amount), and the\nunpaid principal balance (UPB) at the\ntime of purchase (discussed below).48\n\n43 84 FR at 656.\n44 12 CFR 1003.4(a)(23).\n45 84 FR at 665–666. The CFPB intends to disclose\n\nDTI as follows: ‘‘a. Bin reported values into the\nfollowing ranges, as applicable: 20 percent to less\nthan 30 percent; 30 percent to less than 36 percent;\nand 50 percent to less than 60 percent; b. Bottom-\ncode reported values under 20 percent; c. Top-code\nreported values of 60 percent or higher; and d.\nDisclose, without modification, reported values\ngreater than or equal to 36 percent and less than 50\npercent.’’ 84 FR at 672.\n\n46 12 CFR 1003.4(a)(3). Cash-Out Refinancing is\ndefined as a loan that the institution considered to\nbe a cash-out refinancing in processing the loan\napplication or setting the terms (such as the interest\nrate or origination charges) under its guidelines or\nan investor’s guidelines. Official Interpretations,\ncomment 4(a)(3)–2.\n47 84 FR at 656.\n48 12 CFR 1003.4(a)(7)(i). Regulation C loan\npurchasers are required to report the UPB at the\ntime of purchase, and Regulation C loan originators\nare required to report the Note Amount. Because the\nEnterprises collect both values, FHFA is requiring\nthat the Enterprises report both for inclusion in the\nPUDB. As noted earlier, the Enterprises’ reporting\nobligations for the PUDB extend to all of the HMDA\ndata they possess, not the same data as reported by\nHMDA loan purchasers. In 2010, FHFA determined\nnot to include the HMDA Note Amount in the\nPUDB because there was likely to be no difference\nbetween the Note Amount and the UPB at the time\nof purchase for most loans acquired by the\n"} diff --git a/chunks/json/da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e.json b/chunks/json/da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e.json new file mode 100644 index 0000000000000000000000000000000000000000..43678ec5dad5ec4bc0bdd7c1a1796847eeea21cc --- /dev/null +++ b/chunks/json/da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_419419c7ae63d76b","chunk_index":0,"chunk_sha256":"da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_833832bcbd7b659d","text_sha256":"da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Representation_and_Warranty_Framework___FHFA_7tfg5e.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/representation-and-warranty-framework\"\ndate_accessed: \"2026-01-27T17:47:55.504Z\"\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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12.json b/chunks/json/da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12.json new file mode 100644 index 0000000000000000000000000000000000000000..c3ee3a944d9975de262703a799c2fb14d4c8d1d2 --- /dev/null +++ b/chunks/json/da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23169,"char_start":22007,"chunk_id":"chk_c90d269988965945","chunk_index":12,"chunk_sha256":"da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"---\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709.json b/chunks/json/da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709.json new file mode 100644 index 0000000000000000000000000000000000000000..4bb54bb315aecdbee54c23b4811522b857ac64e4 --- /dev/null +++ b/chunks/json/da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29154,"char_start":27522,"chunk_id":"chk_be72d63b6e8aa541","chunk_index":22,"chunk_sha256":"da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"the MISMO version; and 2)\n\nGovernment Loans\nFHA loans and VA loans supported by DU have different data needs than do Conventional loans; and\nconsequently, they have different conditions and conditionality statements.\n\nFHA Loans\nThe FHA Loan conditionality and the corresponding conditionality statements in the DU Spec were\nreviewed by FHA and correspond to the 2019 version of the FHA Total Scorecard Underwriting\nrequirements. Lenders and technology solution providers (TSPs) should use the information in the\nFHA column for data point usage.\n\nVA Loans\nThe VA Loan conditionality and the corresponding conditionality statements in the DU Spec are used\nby the VA. The DU Spec contains a number of data points used by the VA that are not included in the\nredesigned Form 1003. Lenders and TSPs should use the information on all the VA fields (including\nthose not present in the redesigned Form 1003) in the VA column for the data points used for VA loans.\n\nCredit Request\nThere are no changes to the single borrower credit request; however, for a joint credit report the Loan\nApplication Submission file must contain the following ArcRole “SharesJointCreditReportWith”. For\nfurther information on the ArcRole, please consult the DU Spec – ArcRoles tab. Credit request data points\nare identified within the DU Map Tab in the Credit Request column of the Conditionality Information\ncolumns.\n\nTo determine what financial information is shared, DU uses a granular approach by inspecting the\nRELATIONSHIP container in your Loan Application Submission file to understand which borrowers are\nassociated to each asset, liability and expense.\n"} diff --git a/chunks/json/da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37.json b/chunks/json/da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37.json new file mode 100644 index 0000000000000000000000000000000000000000..bd17809bbcf16aee9e45e5893dd298a6527e0560 --- /dev/null +++ b/chunks/json/da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5027,"char_start":3426,"chunk_id":"chk_77bc1f2b1c000101","chunk_index":2,"chunk_sha256":"da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"HDR-L\n\nH1\n\nTXC-I\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nEstimated Cost\nto Repair\n\nFeature\nTCH\nTB_sub-H1\nSite\n\nTB\n\nLocation\n\nDescription\n\nTB_sub-H1\n\nDwelling Exterior - [Structure Identifier]\n\nTB\n\nTB_sub-H1\n\nUnit Interior - [Structure Identifier] - [Unit Identifier]\n\nTB\n\nTB_sub-H1\n\nOutbuilding - [Outbuilding Type]\n\nTB\n\nTB_sub-H1\n\nUnit Interior - [Outbuilding Type] - [Unit Identifier]\n\nTB\n\nTB_sub-H1\n\nVehicle Storage\n\nTB\n\nTB_sub-H1\n\nSubject Property Amenities\n\nTB\n\nTXR-B\n\nAs Is Overall Condition Rating\n\nTXC-I1\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nTXR-B\n\nTotal Estimated Cost of Items\nRecommended for Repair\n\nTXC-I\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n\nTB_sub-H1-R\n\nTotal Cost\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nAssignment Information\n\nTXR-B\n\nTXR-B\n\nAssignment Reason\nBorrower Name\nSeller Name\nCurrent Owner of Public Record\n\nH1\n\nH2\n\nTXR-I\nTXR-I\n\nContact Information\n\n[Role]/[Role]\n\nCompany Name\nCompany Address\n\nH2\n\nAppraiser\n\nTXR-I\n\nTXR-I\nTX-B\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nH2\n\nSupervisory Appraiser\n\nTXR-I\n\nTXR-I\nTX-B\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n"} diff --git a/chunks/json/da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1.json b/chunks/json/da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1.json new file mode 100644 index 0000000000000000000000000000000000000000..6643d15ac2be0f6b2931c8fbf1a2a06696cfafd0 --- /dev/null +++ b/chunks/json/da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12623,"char_start":10714,"chunk_id":"chk_c334f28c47ff6321","chunk_index":6,"chunk_sha256":"da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1","token_estimate":477,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to\n\nthe iGuide or UAD Spec for more information.\nSection\nName\n(Black Tab)\n\nPhoto or Image\n(Predefined Caption or\nGray Bar)\n\nIs there an Additional\nCaption\n(Free-form Text)?\n\nSection\n#\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\n01\n\n03\n\nSubject\nProperty\n\nAppraisal\nUpdate\n\nLegal Description\n\nDwelling Front\n\nDwelling Rear\n\nYes\n\nMay be provided to further\nidentify the image\nMay be provided to further\nidentify the photo or image\nMay be provided to further\nidentify the photo or image\n\nIf Legal Description\n01.004 is not provided\nIf required by client or\nscope of work\nIf required by client or\nscope of work\n\nAppraisal Update Exhibits\n\nRequired for each photo or\nimage\n\nIf required by client or\nscope of work\n\nPhoto at the top of the section\n(identified as Property Photo)\n\nSee 01.004\n\nPhotos or images related to\nthe Restricted Appraisal\nUpdate Report that are not\nspecified above.\n\nBest Practices\n\nWhen there are multiple allowable answers, select the answer that is most applicable. Don’t select Other\n(Describe) and type in abbreviations or words with similar meaning to the allowable answer.\n\nThe Certifications and Scope of Work section provides space for additional appraiser or supervisory appraiser\ncertifications. The appraiser must not enter language that is contrary to the predefined certifications (05.030\nand 05.037).\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 7 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nHeader and Footer\n\nHeader and Footer\n\nThe header and footer display on each page. They provide navigation and reference notations including report\ntitle, page numbers, and, if applicable, Reference IDs used by various parties to the Appraisal Update. The footer\ncontains information that is input by the appraiser; those fields are addressed in this chapter.\n"} diff --git a/chunks/json/da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181.json b/chunks/json/da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181.json new file mode 100644 index 0000000000000000000000000000000000000000..9b5fd291dda55028a068b69de6ee6a224c9bd0ab --- /dev/null +++ b/chunks/json/da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181.json @@ -0,0 +1 @@ +{"chunk":{"char_end":333822,"char_start":331666,"chunk_id":"chk_e9af6a4a18b453b4","chunk_index":276,"chunk_sha256":"da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181","token_estimate":539,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"2500.0163 AssociationSpecialAssessmentStatusType\n\n18.072\n\nDetail\n\n2500.0013 AssociationChargeBalanceAmount\n\n18.082\n\nImpact\n\n2500.0123 ValueMarketabilityImpactType\n\n18.092\n\nComment\n\n2500.0122 ValuationCommentText\n\nProject Factor: Unit Tax Abatements or Exemptions\n\n18.073\n\nDetail\n\n2500.0081\n\nPropertyTaxAbatementsOrExemptionsIndicator\n\n2500.0082\n\nTaxAbatementsOrExemptionsAnnualAmount\n\n2500.0084\n\nTaxAbatementsOrExemptionsExpirationDate\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDisplay Rules\n\nDisplay when PropertyInProjectIndicator = “true” OR PUDIndicator = “true”\n\nIf false, display “None”, when true display “Yes”.\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0124, FID: Not on\nreport) = “ProjectLegalAction”\nDisplay when ((LegalActionIndicator = \"true\") OR (LegalActionIndicator =\n\"false\" AND Exists))\nDisplay when PropertyInProjectIndicator = “true”\n\nIf false, display “None”, when “true” do not display.\n\nDisplay when OwnershipTransferFeeIndicator = \"true\"\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0145, FID: Not on\nreport) = \"TransferFeeAttributedToSubjectProperty\"\nDisplay when ((OwnershipTransferFeeIndicator = \"true\") OR\n(OwnershipTransferFeeIndicator = \"false\" AND Exists))\n\nDisplay when PropertyInProjectIndicator = “true” OR PUDIndicator = “true”\n\nDisplay when AssociationChargeType = \"AssociationSpecialAssessment\"\n− When “Existing” or “Proposed”, display on the same line with the\nassociated $ amount if applicable.\n− When both Existing and Proposed, display as stacked.\n\nDisplay when (AssociationChargeType (UID: 2500.0012, FID: Not on report)\n= \"AssociationSpecialAssessment\" AND\nAssociationSpecialAssessmentStatusType = \"Existing\") OR\n(AssociationChargeType = \"AssociationSpecialAssessment\" AND\nAssociationSpecialAssessmentStatusType = \"Proposed\" AND Exists)\n− Can be 0\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0121, FID: Not on\nreport) = \"ProjectSpecialAssessmentsAttributedToSubjectProperty\"\nDisplay when ((AssociationSpecialAssessmentStatusType <> “None”) OR\n(AssociationSpecialAssessmentStatusType = \"None\" AND Exists))\nDisplay when PropertyInProjectIndicator = “true” OR PUDIndicator = “true”\n"} diff --git a/chunks/json/da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb.json b/chunks/json/da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb.json new file mode 100644 index 0000000000000000000000000000000000000000..4b0c340d9619c7189368837bdbb9e5a99ad08244 --- /dev/null +++ b/chunks/json/da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":175635,"char_start":174031,"chunk_id":"chk_c12e597cef6cd1c8","chunk_index":182,"chunk_sha256":"da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Property Use\n\nThe Property Use subheading displays when Subject Site Owned in Common - LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.009) =\n“false”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nNote: When LandOwnedInCommonIndicator = \"true\", Property Use does not display. Non-residential\nuses in the living unit are reported in the Unit Interior section. Any commercial space in a\ncondominium, cooperative, or condop project is reported in the Project Information section.\n\nPage 119\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay when LandOwnedInCommonIndicator = “false”\nAND…\n\n4.015\n\nPrimarily Residential\n\n1500.0036\n\nPropertyPrimarilyResidentialUseIndicator\n\n… PropertyMixedUsageIndicator = \"true\"\n\nSite: Property Use\n\nDisplay Rules\n\n4.016\n\nResidential Use\n\n1500.0037\n\nResidentialUsePercent\n\n4.017\n\nNon-Residential Use\n\n1500.0039\n\nNonResidentialUseType\n\n… PropertyMixedUsageIndicator = \"true\" AND\nGovernmentAgencyAppraisalIndicator = \"true\"\n\n− Display with % sign\n\n… PropertyMixedUsageIndicator = \"true\"\nWhen there are multiple, display as stacked on separate lines\n\n− When “false”, display “None”\n\n4.018\n\nNon-Residential Modification\n\n1500.0032\n\nNonResidentialModificationIndicator\n\n… PropertyMixedUsageIndicator = \"true\"\n\n4.019\n\nDescription of Non-\nResidential Use/Modification\n\n1500.0033\n\nNonResidentialUseDescription\n\n… PropertyMixedUsageIndicator = \"true\"\n\nProperty Access\n\n• Primary Access - PropertyPrimaryEntryExitMethodType (UID: 1500.0055, FID: 4.020) always displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 120\n\nReport\nField ID\n\nReport Label\n"} diff --git a/chunks/json/da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5.json b/chunks/json/da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5.json new file mode 100644 index 0000000000000000000000000000000000000000..e3e0b2f5af944b9a47d6082b39619d409d14bc5b --- /dev/null +++ b/chunks/json/da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9573,"char_start":9561,"chunk_id":"chk_0e7c7b42b6e6b416","chunk_index":5,"chunk_sha256":"da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5","date_utc":"2026-01-27T18:10:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_955175f7aea76563","text_sha256":"da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5","token_estimate":4,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123114.pdf","below_target_min_tokens"]},"text":"Page 5 of 5\n"} diff --git a/chunks/json/da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29.json b/chunks/json/da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29.json new file mode 100644 index 0000000000000000000000000000000000000000..18a307ead0c2d37cec6e3281b4955026ddcce10b --- /dev/null +++ b/chunks/json/da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17696,"char_start":15519,"chunk_id":"chk_91220424bdfbd29c","chunk_index":9,"chunk_sha256":"da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34971\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18.json b/chunks/json/da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18.json new file mode 100644 index 0000000000000000000000000000000000000000..22992ced3f5cd6811fbf1640edcf679ad46b24e0 --- /dev/null +++ b/chunks/json/da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8536,"char_start":7063,"chunk_id":"chk_01939bca4d352615","chunk_index":4,"chunk_sha256":"da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8535ea1710d70b24","text_sha256":"da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Reports___FHFA_gp0z3l.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![rows of townhomes](/sites/default/files/styles/desktop_hero/public/2025-04/hero-1.jpg.webp?itok=P5yXGGiI)\n\n# Reports\n\nPublications and documents that provide in-depth research, data, and analysis related to various aspects of the U.S. housing finance industry.\n\n#### Search & Filter\n"} diff --git a/chunks/json/da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952.json b/chunks/json/da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952.json new file mode 100644 index 0000000000000000000000000000000000000000..c753fcc08e0ff986b3f6065b6438e7868347ea58 --- /dev/null +++ b/chunks/json/da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3839,"char_start":3553,"chunk_id":"chk_0d2ac0b80589a90e","chunk_index":2,"chunk_sha256":"da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4c2b30db5d0acdb7","text_sha256":"da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952","token_estimate":72,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-version-history.pdf","below_target_min_tokens"]},"text":"\n\n Data dictionary was updated with the correct Disclosure\nAvoidance Method column for the following fields:\no Condition rating\no 2010 and 2020 county FIPS and census tract ID\no DTS rural indicator\n\n Borrower race and ethnicity indicator in the Enterprise UAD PUF\n\nwere excluded.\n\n2\n"} diff --git a/chunks/json/da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2.json b/chunks/json/da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2.json new file mode 100644 index 0000000000000000000000000000000000000000..cbee367c9687bc3612b7cab931219b1425fa59b1 --- /dev/null +++ b/chunks/json/da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":893001,"char_start":891288,"chunk_id":"chk_ada98e9339941f19","chunk_index":530,"chunk_sha256":"da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nSale Price\nAdjustment Type\nOther Description\n\nA free form text field used to capture\nadditional information when Other is\nselected for Sale Price Adjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][1]/@_TypeOtherDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n"} diff --git a/chunks/json/da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916.json b/chunks/json/da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916.json new file mode 100644 index 0000000000000000000000000000000000000000..8e0ea906af5cfda8cb5f8833fc2fe5e7a04b2ce3 --- /dev/null +++ b/chunks/json/da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916.json @@ -0,0 +1 @@ +{"chunk":{"char_end":307421,"char_start":305809,"chunk_id":"chk_f59c35e8598cfcfe","chunk_index":181,"chunk_sha256":"da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The ADU can be accessed from the interior of the structure that it is attached to (has continuous access) and has a\nseparate exterior entrance.\nNote: Do not select this answer for standalone ADUs.\n\nExterior Access Only\n\nThe ADU can only be accessed from the exterior of the structure. There is no continuous interior access from another unit.\nNote: For standalone ADUs, this is the only acceptable answer.\n\nAppendix F-1: URAR Reference Guide\n\nPage 128 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nLevels in Unit\n\n10 Unit Interior\n\nThe foyer (or landing) area in a split foyer is not considered a separate level.\n\nLevels are usable areas or living areas.\n•\n• A sunken living room is not considered a separate level.\n• An uppermost story is considered a level when there is permanent stair access (not drop stairs or a scuttle), and is not\n\nconsidered an attic.\n\no The level may include finished or unfinished space.\no When an attic is the uppermost story and requires structural changes to convert to livable space, it is not\nconsidered a level. For government agency appraisals, attics are reported in the Dwelling Exterior section\n(8.017).\n\n•\n\nLevels are specific to each unit.\n\no Example: If the entire below grade area is an ADU, it would be captured in the Unit Interior section for the\n\nADU, and not for the main dwelling unit.\n\n• When ANSI is the applicable standard, partially below grade is considered below grade. Represent the level\n\nappropriately.\n\n• Noncontinuous finished area in the dwelling that is not part of any unit is reported in the Dwelling Exterior section\n\n(8.046-8.048) and not here.\n"} diff --git a/chunks/json/da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503.json b/chunks/json/da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503.json new file mode 100644 index 0000000000000000000000000000000000000000..d1c8e408900a75630005de3f0fce087e29cf75b1 --- /dev/null +++ b/chunks/json/da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5115,"char_start":3366,"chunk_id":"chk_0f9db44e0c87b5bf","chunk_index":2,"chunk_sha256":"da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503","token_estimate":437,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"Public Other (describe)\n 110\n109\n 113\n112\nFEMA Map # 123\n\nOff-site Improvements—Type\nStreet 114\nAlley 117\n\nFEMA Map Date 124\n\n111\n122\n\n118\n\n128\n\n108\n\n121\n\n129\n\nPublic Private\n115\n\n116\n119\n\nData source(s) for project information 131\nProject Description Detached Row or Townhouse Garden Mid-Rise High-Rise Other (describe) 138\n132\n\n133\n\n134\n\n136\n\n135\n\n137\n\nGeneral Description\n\nGeneral Description\n\nSubject Phase\n\nIf Project Completed\n\nIf Project Incomplete\n\n142\n\nExterior Walls 146\n# of Stories 139\nRoof Surface 147\n# of Elevators 140\n Existing Proposed Total # Parking 148\n141\n Under Construction\n143\nYear Built e-8; 144\nEffective Age 145\nProject Primary Occupancy\nIs the developer/builder in control of the Homeowners’ Association (HOA)? Yes No\nManagement Group – Homeowners’ Association Developer Management Agent – Provide name of management company. 178\n177\n\n158\n# of Phases\n159\n# of Units\n160\n# of Units for Sale\n161\n# of Units Sold\n# of Units Rented\n162\n# of Owner Occupied Units 163\n\n152\n# of Units\n153\n# of Units Completed\n154\n# of Units For Sale\n155\n# of Units Sold\n# of Units Rented\n156\n# of Owner Occupied Units 157\n\nRatio (spaces/units) 149\nType 150\nGuest Parking 151\n Principle Residence\n170\n\nSecond Home or Recreational Tenant\n171\n\n172\n\n174\n\n173\n\n176\n\n175\n\n164\n# of Planned Phases\n165\n# of Planned Units\n166\n# of Units for Sale\n167\n# of Units Sold\n# of Units Rented\n168\n# of Owner Occupied Units 169\n\nDoes any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project? Yes No If Yes, describe 181\n\n179\n\n180\n\nWas the project created by the conversion of an existing building(s) into a condominium? Yes No If Yes, describe the original use and the date of conversion.\n184\n"} diff --git a/chunks/json/dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22.json b/chunks/json/dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22.json new file mode 100644 index 0000000000000000000000000000000000000000..ea28f542daa49f6f6ee00dcc0350e9bc883a0912 --- /dev/null +++ b/chunks/json/dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22.json @@ -0,0 +1 @@ +{"chunk":{"char_end":860316,"char_start":858713,"chunk_id":"chk_b9e9d8f145489a39","chunk_index":511,"chunk_sha256":"dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Money\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field must indicate the data source used for the prior sale/transfer of the\ncomparable.\n\nPDF Display Format (when the source is an MLS listing):\nMLS Organization # Listing\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nAt least one instance of this field is required\n(i.e. for at least one comp) if field 2-102\n(Comparable Has Prior Sales Indicator = 'Y')\nis indicated.\n\nAt least one instance of this field is required\n(i.e. for at least one comp) if field 2-102\n(Comparable Has Prior Sales Indicator = 'Y')\nis indicated.\n\n317\n\n318\n\n319\n\n320\n\n321\n\n322\n\n2\n\n3\n\n3\n\n3\n\n3\n\n3\n\n114\n\nPRIOR SALE\nHISTORY\n\nAnalysis of prior sale or transfer history\nof the subject property and comparable\nsales.\n\nGSE Prior Sale\nComment\n\nAnalysis of the prior sale(s) of the subject\nand comparable sales.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/P\nRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Exte\nnsionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa\nleComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n2\n\n3\n\n4\n\n4a\n\n5\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\nHEADER\n\nBLANK\n"} diff --git a/chunks/json/dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2.json b/chunks/json/dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2.json new file mode 100644 index 0000000000000000000000000000000000000000..0cc97e4aedb55c61defa176be717873e7d96f791 --- /dev/null +++ b/chunks/json/dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7822,"char_start":6461,"chunk_id":"chk_18754f44c9e3ffb0","chunk_index":4,"chunk_sha256":"dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"e-14; e-15; e-16\n\ne-14; e-15; e-16\n\n+(-) $ Adjustment\n\n52\ne-26; e-27; e-28\n\n52\ne-26; e-27; e-28\n\n12a 12b 12c\nProximity to Subject\nSale Price\n$ 13\nSale Price/Gross Liv. Area $ 14\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nSite\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n39\n41\n43\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nI did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107\n 105\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nBaths Total Bdrms. Baths\n\n95\n97\n99\n102\n\nTotal Bdrms. Baths\n\nTotal Bdrms.\n\n+ -\n\n96\n98\n100\n\ne-5; e-6; e-7\n\n+ -\n\n31 sq. ft.\n\n79 sq. ft.\n\n79 sq. ft.\n\n95\n97\n99\n\n40\n42\n44\n\ne-17; 26\n\ne-17; 70\n\ne-17; 70\n\n$ 104\n\n$ 103\n\n$ 104\n\n$ 103\n\n106\n\n82\n84\n\n101\n\n102\n\n101\n\n65\n\n74\n\n71\n\n87\n\n92\n\n73\n\n72\n\n66\n\n93\n\n89\n\n75\n\n78\n\n88\n\n85\n\n80\n\n67\n\n77\n\n68\n\n86\n\n90\n\n91\n\n69\n\n94\n\n77\n\n28\n\n27\n\n37\n\n85\n\n76\n\n93\n\n38\n\n75\n\n68\n\n91\n\n34\n\n87\n\n72\n\n36\n\n35\n\n89\n\n76\n\n30\n\n29\n"} diff --git a/chunks/json/dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8.json b/chunks/json/dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8.json new file mode 100644 index 0000000000000000000000000000000000000000..e3a5e96938e388d14c90cb0938a70de07409f98b --- /dev/null +++ b/chunks/json/dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26459,"char_start":25803,"chunk_id":"chk_db671aedecb26890","chunk_index":14,"chunk_sha256":"dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8","token_estimate":173,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md","below_target_min_tokens"]},"text":"##### Release Notes\n\n- [2025 Loan Delivery Release Notes](/media/document/pdf/2025-loan-delivery-release-notes-printable-version)\n- [2024 Loan Delivery Release Notes](/media/document/pdf/2024-loan-delivery-release-notes-printable-version)\n- [2023 Loan Delivery Release Notes](/media/document/pdf/2023-loan-delivery-release-notes-printable-version)\n\n##### Integration Test Cases\n\n- [ULDD Phase 3 Integration Test Cases](https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499)\n"} diff --git a/chunks/json/dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5.json b/chunks/json/dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5.json new file mode 100644 index 0000000000000000000000000000000000000000..9f36f0aecd730dcec7a755eae08accb33cefe4c8 --- /dev/null +++ b/chunks/json/dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":509955,"char_start":508352,"chunk_id":"chk_8d699c8f6c34e86d","chunk_index":300,"chunk_sha256":"dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/INTERIOR_FEATURE\n[@_Type='TrimAndFinish']/@_ConditionDescription\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/INTERIOR_FEATURE\n[@_Type='BathroomWainscot']/@_ConditionDescription\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/INTERIOR_FEATURE\n[@_Type='Doors']/@_ConditionDescription\n\nUNIT\nDESCRIPTION\n\nAmenities\nFireplace(s)\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F\nireplace']/@_ExistsIndicator\n\nUNIT\nDESCRIPTION\n\nAmenities\nFireplace(s) #\n\nAmenity Count\n\nThe number of the amenities specified by\nAmenity Type that are present in the\nproperty. For example two fireplaces.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F\nireplace']/@_Count\n\nUNIT\nDESCRIPTION\n\nAmenities\nWoodstove(s)\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nWoodStove']/@_ExistsIndicator\n\nUNIT\nDESCRIPTION\n\nAmenities\nWoodstove(s) #\n\nAmenity Count\n\nThe number of the amenities specified by\nAmenity Type that are present in the\nproperty. For example two fireplaces.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nWoodStove']/@_Count\n\nUNIT\nDESCRIPTION\n\nAmenities\nDeck/Patio\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nDeck']/@_ExistsIndicator\n\nUNIT\nDESCRIPTION\n\nAmenities\nDeck/Patio Description\n\nAmenity Detailed\nDescription\n"} diff --git a/chunks/json/dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e.json b/chunks/json/dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e.json new file mode 100644 index 0000000000000000000000000000000000000000..61e79ddbcd9ff8859fbf867d6a4f72ea6e46be92 --- /dev/null +++ b/chunks/json/dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":92456,"char_start":90837,"chunk_id":"chk_890edaf8e06a9f70","chunk_index":52,"chunk_sha256":"dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Exterior Appraisal\n\nAn appraisal assignment for which the scope of work includes an inspection of the exterior areas of the subject property\nfrom at least the street by the appraiser. The Effective Date of Appraisal (26.011) is the date of inspection.\n\nAppendix F-1: URAR Reference Guide\n\nPage 34 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nProperty Data Report\n\nA property data report is the accumulation of factual information collected from the observation of a residential\nproperty that is completed specifically for mortgage purposes, whether in the form of data or a report. This is\nlimited to property characteristics and does not include opinions of value.\n\nNote: Tax records and MLS listings are data sources and do not constitute a property data report.\n\nAssignment Information: Property Data Report\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n2.005 Was a Property\n\nAlways required\n\nYes | No\n\nData Report\nused in lieu of an\ninspection?\n\nAppraiser and AMC Fee\n\nDefinition / Additional Guidance\n\nProperty Data Report Used: Indicates whether a third-party property data\nreport was used.\n\n•\n•\n\nIf Yes, the Property Data Report subsection (2.053-2.060) displays.\nIf No, the Property Data Report subsection does not display.\n\nIn certain jurisdictions, the appraiser is required by law to disclose the fee charged by the appraiser and the\nAppraisal Management Company (AMC) if applicable. If not populated, this information does not display.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065.json b/chunks/json/dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065.json new file mode 100644 index 0000000000000000000000000000000000000000..4bbb071ebd0b411fa83396a24e392adf74a11c03 --- /dev/null +++ b/chunks/json/dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065.json @@ -0,0 +1 @@ +{"chunk":{"char_end":686414,"char_start":684744,"chunk_id":"chk_4956153f3c6ece79","chunk_index":406,"chunk_sha256":"dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"540\n\nAll\n\n226\n\nFOOTER\n\nBLANK\n\nAppraisal Report\nContent Identifier\n\nAn additional identifier that is used for\nuniquely identifying appraisal forms or\naddendums. This may be an internal\nsystems identifier.\n\n/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentIdentifi\ner\n\n541\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\n542\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\n543\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\n544\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\nThe Y value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe X value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe Y value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe X value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lati\ntudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lon\ngitudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nLatitudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nLongitudeNumber\n\n1\n\n1\n\n10\n\n19\n\n30\n\n30\n\n30\n\n30\n\nEnumerated\n\nEnumerated\n\nDate/Time\n\nString\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nThis field occurs on every page of the form and must be consistent.\nThe only allowable value for this string is:\nUAD Version 9/2011\n"} diff --git a/chunks/json/daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2.json b/chunks/json/daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2.json new file mode 100644 index 0000000000000000000000000000000000000000..8d02982f05fcb97eb529edca4942624c12a978fd --- /dev/null +++ b/chunks/json/daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":493093,"char_start":491408,"chunk_id":"chk_d3c43d6f2194d64d","chunk_index":292,"chunk_sha256":"daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2","token_estimate":421,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Provide the dollar amount of the prior sale or transfer, if known, in whole\ndollars. Fractional amounts must be rounded to the nearest dollar. For\ntransfers with no monetary consideration such as gifts etc., report $0.\n\nIf the dollar amount is not available, provide the Ownership Transfer Amount\nNot Available Reason, as indicated below.\n\nOwnership Transfer Amount Not Available Reason: The reason why the prior\ntransfer price is not available for the transaction. In some jurisdictions, the\nprice of prior sale(s) or transfer(s) is not disclosed in the public records or not\notherwise available to the appraiser in the normal course of business.\n•\n•\n•\n\nNot Disclosed\nNot Recorded\nOther (Describe)\n\nAssessor Record\nBuilder or Developer\nCooperative Board\nData Aggregator\nDeed\nHomeowners Association\n\nData source(s) used to research the prior sale or transfer history.\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nProperty Tenant\nOther (Describe)\n\nFor reference, see the Statement of Assumptions and Limiting Conditions\nrelevant to data sources and Appraiser Certification 8.\n\nAppendix F-1: URAR Reference Guide\n\nPage 210 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n21 Prior Sale and Transfer History\n\nPrior Sale or Transfer Types\n\nIndicate the Prior Sale Type from the list of allowable answers. If more than one sale type can apply to a prior\nsale or transfer, select the most applicable one, and comment on any additional sale types that applied for the\ntransfer in Analysis of Prior Sales and Transfer History of Subject Property (21.006) or Analysis of Prior Sales and\nTransfer History of Comparables (21.012), as applicable.\n"} diff --git a/chunks/json/db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed.json b/chunks/json/db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed.json new file mode 100644 index 0000000000000000000000000000000000000000..2d178b806fd9f14557ad7b33bd7fdb27a375dcd9 --- /dev/null +++ b/chunks/json/db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34413,"char_start":32601,"chunk_id":"chk_46eb068231dead2f","chunk_index":19,"chunk_sha256":"db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed","token_estimate":453,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 18\nPage 17 of 18\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"} diff --git a/chunks/json/db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589.json b/chunks/json/db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589.json new file mode 100644 index 0000000000000000000000000000000000000000..c5aef051b3d8b2d98fb8b97e59e4c44d7f5accb9 --- /dev/null +++ b/chunks/json/db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27520,"char_start":25811,"chunk_id":"chk_62e59d88a9db52e6","chunk_index":21,"chunk_sha256":"db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"matter how the transaction varies?\n\n• What is the business condition or transaction characteristics that determines whether the data point\n\nis required?\nIs the data point unique within the transaction, or is it one of a possible group or series, that would\nlead to the need to provide more than one instance?\nIs this in line with Fannie Mae Credit Policy business rules?\n\n•\n\n•\n\nThe following are conditionality examples in the DU Spec:\n\n• Required data point: MortgageType\n\no MortgageType = “Conventional” OR “FHA” OR “VA” OR “USDARuralDevelopment” and is\n\nrequired in each transmission\n\no Required data points will not have a conditionality statement as they are always needed\n\n• Conditionally Required data point: BorrowerResidencyBasisType\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n11\n\no BorrowerResidencyBasisType = IF (BorrowerResidencyType = \"Current\" AND exists) OR\n(BorrowerResidencyType = \"Prior\" AND exists) is required when the borrower has provided a\ncurrent or prior address information\n\no Conditionally required data points will always have a conditionality statement\n\n• Optional data point: PropertyAcquiredDate is not needed for DU but may be provided if collected.\n\no Optional data points do not have conditionality requirements.\n\nConditionality in attributes: The DU Spec only includes conditionality for two attributes: 1)\nThe MISMOReferenceModelIdentifier -describes\nthe\nLoanRoleType -includes two enumerations and needs to be indicated to denote the type of\nassociation the loan plays in the transaction (e.g., RelatedLoan). Both attributes are required,\nwhile the rest of the attributes in the DU Spec have a conditionality indicated as not applicable\n(N/A).\n"} diff --git a/chunks/json/db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015.json b/chunks/json/db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015.json new file mode 100644 index 0000000000000000000000000000000000000000..c8c1b61085a28b6a867191344134e2d2fff6e246 --- /dev/null +++ b/chunks/json/db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015.json @@ -0,0 +1 @@ +{"chunk":{"char_end":440306,"char_start":438687,"chunk_id":"chk_1106f63820cb4d25","chunk_index":249,"chunk_sha256":"db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"…/PRINCIPAL_AND_I\nNTEREST_PAYMENT_\nADJUSTMENT/PRINCI\nPAL_AND_INTEREST_\nPAYMENT_LIFETIME\n_ADJUSTMENT_RULE\n\nFirstPrincipalAndInte\nrestPaymentChange\nMonthsCount\n\n13\n\nROF as “at 13th\npayment”\n\nPrincipalAndInterest\nPaymentMaximumA\nmount\n\n2350.00\n\nROF as “$2,350.00”\n\n49\n\nPrincipalAndInterest\nPaymentMaximumA\nmountEarliestEffecti\nveMonthsCount\n\nROF as “starting at\n49th payment”\n\nFirst Instance of PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE\n\nAppendix E: UCD Implementation Guide\n\nPage 204 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nID\n(bullet)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 137. Step Payment Loan\n\n19.6\n\nFirst …\n\n19.6\n\nFirst Change /\nAmount…$\n\n…/PRINCIPAL_AND_I\nNTEREST_PAYMENT_\nADJUSTMENT/PRINCI\nPAL_AND_INTEREST_\nPAYMENT_PER_CHA\nNGE_ADJUSTMENT_\nRULES/PRINCIPAL_A\nND_INTEREST_PAYM\nENT_PER_CHANGE_\nADJUSTMENT_RULE\n\nAdjustmentRuleType First\n\nROF as “First”\n\nPerChangeMaximum\nPrincipalAndInterest\nPaymentAmount\n\n1525.00\n\nROF as “$1,525.00”\n\nSecond Instance of PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE\n\n19.7\n\nSubsequent …\n\n19.7\n\nEvery___Years\n\n…/PRINCIPAL_AND_I\nNTEREST_PAYMENT_\nPER_CHANGE_ADJUS\nTMENT_RULE\n\nAdjustmentRuleType Subsequent\n\nROF as “Subsequent”\n\n12\n\nPerChangePrincipalA\nndInterestPaymentA\ndjustmentFrequency\nMonthsCount\n\nROF as “Every year”\n\nEnd of PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE Instances\n\n19.3\n\nStep Payments?\n\n…/AMORTIZATION_R\nULE\n\nAmortizationType\n\nStep\n\nROF as “YES” for Step\nPayments\n\n19.5 |\n4.3\n\n___Principal and\nInterest Payments\n"} diff --git a/chunks/json/db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb.json b/chunks/json/db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb.json new file mode 100644 index 0000000000000000000000000000000000000000..0ab32a1c206836ffd31db0fd9e96328d7c6952fb --- /dev/null +++ b/chunks/json/db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20688,"char_start":18925,"chunk_id":"chk_d8fef2fd2fa6e040","chunk_index":11,"chunk_sha256":"db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb","token_estimate":441,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\n\n2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the\ncondition of the improvements in factual, specific terms. I reported the physical deficiencies that could affect the livability,\nsoundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach\nfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop\nthem, unless otherwise indicated in this report.\n\n5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for\nsale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject\nproperty for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.\n\n6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior\nto the date of sale of the comparable sale, unless otherwise indicated in this report.\n"} diff --git a/chunks/json/db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887.json b/chunks/json/db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887.json new file mode 100644 index 0000000000000000000000000000000000000000..1c50cc730eee277cc7a1365e01120e3ef8468185 --- /dev/null +++ b/chunks/json/db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7997,"char_start":6387,"chunk_id":"chk_30b0a2e4e203c0c7","chunk_index":4,"chunk_sha256":"db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"N O T E : When delivering the loan to Fannie Mae, the assumability flag must be “Y” if either Assum or DOS/Assum is specified in the Matrix.\n\n Assum means that the lender shall permit the mortgage to be assumed by a new mortgagor, as described in the Servicing Guide, and the lender will\n\nensure that at least one of the following conditions is met:\n\n• federal law as of the date of the mortgage instrument prohibits the acceleration of the mortgage note under the particular circumstances;\n\n• the transferee submits a credit application that allows the lender to approve the transferee using the underwriting guidelines of Fannie Mae in effect on the\ndate of the transferee's application, and the transferee executes a written assumption agreement and pays reasonable fees and charges, including an\nassumption fee if permitted by the mortgage documents; or\n\n• the transferee is an unrelated co-borrower assuming the mortgage under the circumstances described the Servicing Guide.\n\n DOS means that, in connection with the sale or transfer (or prospective sale or transfer) of all or any interest in the property secured by a mortgage,\nthe lender, except in the case of exempt transactions allowed by Fannie Mae (see the Servicing Guide), shall accelerate the maturity of the mortgage\nnote, and undertake and pursue enforcement proceedings, where the terms of the mortgage permit acceleration and enforcement under such a\ncircumstance. In addition, the lender must comply with the other requirements of the Servicing Guide that are applicable in connection with\ndue-on-sale enforcement.\n DOS/Assum means that\n"} diff --git a/chunks/json/db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29.json b/chunks/json/db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29.json new file mode 100644 index 0000000000000000000000000000000000000000..676a86bbf82781353d6eb04f60807e8c0313637d --- /dev/null +++ b/chunks/json/db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29.json @@ -0,0 +1 @@ +{"chunk":{"char_end":287119,"char_start":285483,"chunk_id":"chk_8858afc307fe7d23","chunk_index":249,"chunk_sha256":"db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"When VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) = “false”, display “None” and the table does not display in the\nsubsection. (Figure 13 - 4)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 217\n\nFigure 13 - 2\n\nFigure 13 - 3\n\n.\n\nVehicle Storage Commentary\n\nThe Vehicle Storage Commentary subsection displays when comments are provided. Commentary must use ValuationCommentText (UID:\n0100.0044, FID: 13.010) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: 13.010) = “VehicleStorage”.\n\n\n\nVehicleStorage\nCommentary may be added here.\n\n\n\nVehicle Storage Exhibits\n\nThe Vehicle Storage Exhibits subsection displays when images are provided. All text provided for each image will display in bold font.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nCar Storage Type\n\n•\n\nImages provided for car storage must be delivered in the IMAGE container in the instance of the in the CAR_STORAGE container that represents the\nreferenced vehicle storage. E.g., image data associated with driveway must be provided in the IMAGE container in the instance of the CAR_STORAGE where\nCarStorageType= “ Driveway”.\n\n• The enumerated value of the CarStorageType (UID: 1400.0638, FID: 13.001.1) displays above the image. When the photo represents multiple\n\nVehicle Storage Types, display all of them.\n\n• An additional image caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 13.001.2) and will display above\n\nthe image following the storage type.\n"} diff --git a/chunks/json/db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d.json b/chunks/json/db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d.json new file mode 100644 index 0000000000000000000000000000000000000000..677a462c41a02743f0d6cfef047ec11f773e8d19 --- /dev/null +++ b/chunks/json/db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":55068,"char_start":53237,"chunk_id":"chk_3c1abf61ef3cd898","chunk_index":31,"chunk_sha256":"db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d","token_estimate":458,"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":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 24 of 24\nPage 24 of 24\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"} diff --git a/chunks/json/db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383.json b/chunks/json/db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383.json new file mode 100644 index 0000000000000000000000000000000000000000..668b62d141c129794690a6e97540a16cc6310e5b --- /dev/null +++ b/chunks/json/db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383.json @@ -0,0 +1 @@ +{"chunk":{"char_end":482195,"char_start":480568,"chunk_id":"chk_926f92280c29cb5e","chunk_index":283,"chunk_sha256":"db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\n4a\n\nHEADER\n\nBLANK\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\n5\n\n6\n\n7\n\nPROJECT\nINFORMATION\n\nDescribe the condition of the\nproject and quality of\nconstruction.\n\nProject Condition\nAnd Quality\nDescription\n\nA free-form text field used to describe the\ncondition of the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConditionAndQualityD\nescription\n"} diff --git a/chunks/json/db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd.json b/chunks/json/db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd.json new file mode 100644 index 0000000000000000000000000000000000000000..861efef5859d6e871650fee7e781ab4628067250 --- /dev/null +++ b/chunks/json/db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8781,"char_start":7078,"chunk_id":"chk_4f31f3cc036a8cf1","chunk_index":4,"chunk_sha256":"db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_755fd4ce20691826","text_sha256":"db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd","token_estimate":446,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Program___FHFA_rjdacs.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\nProgram\n\n# Duty to Serve Program\n\n## Breadcrumb\n\n- [Home](/)\n - [Programs](/programs)\n - Duty To Serve Program\n\n## Overview\n\nOn November 25, 2024, FHFA issued Non-Objections to the Duty to Serve 2025-2027 Underserved Markets Plans submitted by Fannie Mae and Freddie Mac. The Plans detail the Enterprises’ activities to serve the manufactured housing, rural housing, and affordable housing preservation markets over a three-year period. [**Read more**](/programs/2025-2027-duty-to-serve-underserved-markets-plans)\n"} diff --git a/chunks/json/db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8.json b/chunks/json/db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8.json new file mode 100644 index 0000000000000000000000000000000000000000..7b112ead7fee017f1c246fd718530fa0da17648e --- /dev/null +++ b/chunks/json/db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":400453,"char_start":398211,"chunk_id":"chk_d4ba527c4388f77f","chunk_index":234,"chunk_sha256":"db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8","token_estimate":561,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sales Concession\nDescription\n\nA free-form text field used to describe\nsales concessions granted by an interested\nparty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess\nionDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point. Separate with a semicolon.\n\nThis field is required if field 1-50 is\nindicated.\n\nCR\n\nCR\n\nCR\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n58\n\n59\n\n60\n\n61\n\n62\n\n63\n\n64\n\n65\n\n66\n\n67\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n53\n\n54\n\n55\n\n56\n\n57\n\n58\n\n59\n\n60\n\n61\n\n62\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nLocation\nUrban\n\nLocation\nSuburban\n\nLocation\nRural\n\nBuilt-Up\nOver 75%\n\nBuilt-Up\n25-75%\n\nNEIGHBORHOOD\n\nBuilt-Up\nUnder 25%\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nGrowth\nRapid\n\nGrowth\nStable\n\nGrowth\nSlow\n\nNEIGHBORHOOD\n\nProperty Values\nIncreasing\n\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\nNeighborhood\nBuiltup Range\nType\nNeighborhood\nBuiltup Range\nType\nNeighborhood\nBuiltup Range\nType\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nProperty Value\nTrend Type\n\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies an estimated percentage range of\navailable land in the neighborhood that\nhas been improved. FORM SPECIFIC\nFIELD\nSpecifies an estimated percentage range of\navailable land in the neighborhood that\nhas been improved. FORM SPECIFIC\nFIELD\nSpecifies an estimated percentage range of\navailable land in the neighborhood that\nhas been improved. FORM SPECIFIC\nFIELD\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\n"} diff --git a/chunks/json/db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448.json b/chunks/json/db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448.json new file mode 100644 index 0000000000000000000000000000000000000000..3729862974e1a654bda0dd8156c04a50dd7c3bca --- /dev/null +++ b/chunks/json/db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9122,"char_start":8665,"chunk_id":"chk_2f8678ba8f210dff","chunk_index":13,"chunk_sha256":"db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"07 Completion Report Exhibits ....................................................................................................................................................................................... 28\n\nOverview ................................................................................................................................................................................................................................... 28\n"} diff --git a/chunks/json/db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46.json b/chunks/json/db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46.json new file mode 100644 index 0000000000000000000000000000000000000000..b554cb0864c7ceed6f1900aedaf61b0167b1396d --- /dev/null +++ b/chunks/json/db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46.json @@ -0,0 +1 @@ +{"chunk":{"char_end":542680,"char_start":541067,"chunk_id":"chk_7063d085fab6950d","chunk_index":322,"chunk_sha256":"db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If relevant\n\nYes | No\n\nRequired if Permanent\nWaterfront Features is\nNone, and the row is\nincluded in the sales\ncomparison grid\n\nSite\n•\n\nRight to Build\nWaterfront\nFeatures 4.033\n\nNo\n\nRight to Build Waterfront Features\nWhen there are no waterfront features on the property (Permanent\nWaterfront Feature is None), indicates whether the property has the\nright to improve the shoreline or build waterfront features.\n\n22.04.04\n22.04.09\n\nTotal Linear\nMeasurement\n\nIf relevant\n\nRequired if the\nproperty has private\naccess to one or more\nbodies of water, and\nthe row is included in\nthe sales comparison\ngrid\n\nNumber of feet or\nmeters\n\nSite\n• Water Frontage\n\nNo\n\nWhen included, provides support for the Water Frontage with Private\nAccess adjustment (22.04.05).\n\nTotal Length 4.031\n\nWhen included, provides support for the Water Frontage with Private\nAccess adjustment (22.04.05).\n\nAppendix F-1: URAR Reference Guide\n\nPage 237 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nDwelling(s)\n\nThe Dwelling(s) subsection always displays on the sales comparison grid.\n\nThis subsection is limited to structure(s) that are identified as a dwelling. Outbuilding information is captured in the Outbuilding subsection\n(22.14.01-22.14.26). If there are multiple dwellings, information is either:\n•\n\nListed separately for each dwelling in one row. Example: If there are two dwellings, the Year Built and Dwelling Style rows reflect the answers for\nall dwellings.\n\n• Combined for all dwellings in one row. Example: The Gross Building Finished Area row reflects the total area across all dwellings as a single\n"} diff --git a/chunks/json/db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0.json b/chunks/json/db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0.json new file mode 100644 index 0000000000000000000000000000000000000000..e69db2f8cbf98809bcceab057ac94b99c3c36345 --- /dev/null +++ b/chunks/json/db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":475667,"char_start":474038,"chunk_id":"chk_6b1507236a45f8e3","chunk_index":279,"chunk_sha256":"db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Note: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n196\n\n1\n\n185\n\nPROJECT\nINFORMATION\n\nAre the units, common\nelements, and recreation\nfacilities complete (including\nany planned rehabilitation for a\ncondominium conversion)?\nYes\n\nProject Common\nElements\nCompleted\nIndicator\n\nIndicates that the common elements and\nrecreation facilities in the project are\ncomplete.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom\npletedIndicator=‘Y’]\n\n1\n\nBoolean\n\nAt least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n\nAt least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n\nIf field 1-177 (Project Management\nType = 'ManagementAgent') is\nindicated, then this field should be\npopulated.\n\nOne and only one of fields 1-179, 1-\n180 (values of Project Concentrated\nOwnership Indicator) should be\nindicated.\n\nOne and only one of fields 1-179, 1-\n180 (values of Project Concentrated\nOwnership Indicator) should be\nindicated.\n\nThis field should be populated if field 1-\n179 (Project Concentrated Ownership\nIndicator = 'Y') is indicated.\n\nOne and only one of fields 1-182, 1-\n183 (values of Project Conversion\nIndicator) should be indicated.\n\nOne and only one of fields 1-182, 1-\n183 (values of Project Conversion\nIndicator) should be indicated.\n\nThis field should be populated if field 1-\n182 (Project Conversion Indicator = 'Y')\nis indicated.\n"} diff --git a/chunks/json/dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c.json b/chunks/json/dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c.json new file mode 100644 index 0000000000000000000000000000000000000000..f154d1a59b79f14712776374541f583e9b5180b7 --- /dev/null +++ b/chunks/json/dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10326,"char_start":8685,"chunk_id":"chk_d8cae79ceea33933","chunk_index":9,"chunk_sha256":"dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Uniform Residential Appraisal Report\n\nIndividual Condominium Unit\nAppraisal Report\n\nIndividual Cooperative\nInterest Appraisal Report\n\nManufactured Home\nAppraisal Report\n\nSmall Residential Income\nProperty Appraisal Report\n\nFannie Mae Number\n\n1004\n\n1004\nDesktop\n\n1004\nHybrid\n\n2055\nExterior\n\n1073\n\n1073\nDesktop\n\n1073\nHybrid\n\n1075\nExterior\n\n2090\n\n2095\nExterior\n\nFreddie Mac Number\n\n70\n\n70D\n\n70H\n\n2055\n\n465\n\n465D\n\n465H\n\n466\n\n-\n\n-\n\n1004C\n\n70B\n\n1025\n\n72\n\nProperty Type Characteristics\n\n1 unit property, including:\n• In a Planned Unit Development (PUD)\n• With or without an ADU\n• Detached Condo\n\nCondominium Unit, including:\n• Attached units\n• Detached units\n\nCooperative Unit, including:\n• Attached units\n• Detached units\n\nManufactured Home, including:\n• In a PUD\n• Condominium Project\n• Cooperative\n\n2- to 4-unit property including:\n• 2- or 3-unit with an ADU\n\nc\ne\np\nS\ny\nr\ne\nv\ni\nl\n\ne\nD\nD\nA\nU\nm\no\nr\nf\nn\no\ni\nt\na\nm\nr\no\nf\nn\n\nI\n\ni\n\nt\nn\no\nP\na\nt\na\nD\ny\nt\nr\ne\np\no\nr\nP\nt\nn\na\nv\ne\ne\nR\n\nl\n\nProperty Valuation Method\n\n(UID: 1000.0158, FID: 1.010)\n\nConstruction Method\n\n(UID: 0300.0034, FID: 1.012)\n\nDoes not apply for High-rise,\nMid-rise, or Low-rise structures.\n\nSubject Site Owned in Common\n\n(UID: 0100.0047, FID: 1.020)\n\nProject Legal Structure\n\n(UID: 2500.0168,\nFID: 1.016, 1.017, 1.018)\n\nUnits Excluding ADUs\n\n(UID: 0100.0022, FID: 1.021)\n\nAccessory Dwelling Units\n\n(UID: 0100.0019, FID: 1.022)\n\nTraditional\n\nDesktop Hybrid\n\nExterior\n\nTraditional Desktop Hybrid\n\nExterior\n\nTraditional\n\nExterior\n\nTraditional\n\nTraditional\n\nContainer | Modular | On-Frame Modular\n|Site Built | 3D Technology\n\nContainer | Modular | On-Frame Modular\n|Site Built | 3D Technology\n"} diff --git a/chunks/json/dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228.json b/chunks/json/dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228.json new file mode 100644 index 0000000000000000000000000000000000000000..ad0694b88b590d4d50b291fc70c4f573d87c5221 --- /dev/null +++ b/chunks/json/dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228.json @@ -0,0 +1 @@ +{"chunk":{"char_end":707699,"char_start":706096,"chunk_id":"chk_67bab85ac2e8a2c8","chunk_index":419,"chunk_sha256":"dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the property has been listed\nwithin the previous twelve (12) months.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP\nreviousYearIndicator='Y']\n\nIndicates that the property has been listed\nwithin the previous twelve (12) months.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP\nreviousYearIndicator='N']\n\nThe total number of continuous days from\nthe date that a property is listed or\nadvertised for sale through the date that it\nis taken off the market or contracted for\nsale.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEDaysOnMarketDescription\n\nString\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\nUAD Requirement - Refer to Appendix D Subject Section\nThis field contains the name of the lender.\nThis data is referenced more than once on the form (field 6-24) and must be\nrepresented consistently to the extent the available space permits. The printed version\nof this field must appear completely in this location on the form, but may be truncated\nin the other locations.\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nUAD Requirement - Refer to Appendix D Subject Section\n"} diff --git a/chunks/json/dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1.json b/chunks/json/dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1.json new file mode 100644 index 0000000000000000000000000000000000000000..882482ff0c41b1cf7b3285b200aca3ba9559ef7c --- /dev/null +++ b/chunks/json/dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33403,"char_start":31729,"chunk_id":"chk_a9a4a092c2471687","chunk_index":12,"chunk_sha256":"dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"a. The Field ID from Sample Closing Disclosures with Reference Numbers (available from each GSE’s UCD\n\nwebpages) is a red number superimposed on the CD to identify field locations. The annotated CD provides a\ncross reference from the UCD v2.0 Spec to the CD field.\n\ng. Bold black text is used for CD headings and field labels: Date Issued.\n\nh. Bold green text is used for data provided on the CD.\n\nCD fields that are not applicable to the data discussed in the I-Guide section are not included, so the CD example is not an\naccurate representation of the physical form. For example, in the figure above, the first field illustrated under the heading is\n1.6. Fields 1.1 – 1.5 of the CD are omitted.\n\n3. UCD V2.0 SPEC EXCERPTS\n\nA narrative introduction of and UCD v2.0 Spec excerpt including child containers, data points and acronyms as presented\n\nin the Spec follows the CD rendering example.\n\nUCD v2.0 Implementation Guide\n\n- 4 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nII. I-Guide Format\n\na. All in the Family\n\nMISMO containers are organized hierarchically. The indented format of the XML file reflects this organization. As you read\nan XPath and move from a parent container from the top left down and all the way to the right, each child, grandchild and so\nforth contain a greater level of detail about the parent. For example, we have the parent FEES. The child, FEE, also has\nchildren—FEE_DETAIL, FEE_PAID_TO and FEE_PAYMENTS. The children, all at the same level hierarchically, are “siblings”.\nThe only way they are associated with one given fee is through their direct child relationships to FEE. They are said to be\n“contained” in FEE or “associated by containment”.\n"} diff --git a/chunks/json/dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27.json b/chunks/json/dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27.json new file mode 100644 index 0000000000000000000000000000000000000000..ae4763b59ab5e73ec24210823bb05f4bb1948620 --- /dev/null +++ b/chunks/json/dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27.json @@ -0,0 +1 @@ +{"chunk":{"char_end":356884,"char_start":355283,"chunk_id":"chk_236d3757c5576a45","chunk_index":208,"chunk_sha256":"dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/@_PostalCode\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/CONTACT_DETAIL/CONTACT_POI\nNT[@_Type='Phone']/@_Value\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/CONTACT_DETAIL/CONTACT_POI\nNT[@_Type='Email']/@_Value\n\n48\n\n90\n\n25\n\n25\n\n25\n\n45\n\n45\n\n2\n\n10\n\n50\n\n50\n\nString\n\nThis field contains the lender/client company name. This data is referenced\nmore than once on the form (refer to field 1-36) and must be represented\nconsistently, to the extent the available space permits. The printed version of\nthis field must appear completely in at least one location on the form, but may\nbe truncated in the other location.\n\nString\n\nThis address information is treated differently from other address fields on the\nappraisal form in order to accommodate lender requirements.\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nThis is a free text field which should contain the supervisory appraiser's\ncompany name.\nShould conform to USPS (Pub 28). The following address elements should be\nincluded in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or\npost-directional indicator)\n• Address unit designator and number (if applicable)\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• City\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• USPS two-letter state or territory representation\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• 5-digit ZIP Code or ZIP+4\n"} diff --git a/chunks/json/dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37.json b/chunks/json/dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37.json new file mode 100644 index 0000000000000000000000000000000000000000..7d34cead5d7ec4c03d61eea2b7b417ca2592f4c2 --- /dev/null +++ b/chunks/json/dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54413,"char_start":52385,"chunk_id":"chk_66dbf05437247b67","chunk_index":55,"chunk_sha256":"dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37","token_estimate":1285,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:7)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:8)(cid:24)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:7)(cid:23)(cid:31)(cid:32)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)\n(cid:3)(cid:28)(cid:27)(cid:32)(cid:30)(cid:15)(cid:17)(cid:32)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)\n(cid:10)(cid:15)(cid:25)(cid:19)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)\n(cid:8)(cid:19)(cid:32)(cid:35)(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:26)(cid:19)(cid:27)(cid:32)(cid:35)(cid:11)(cid:28)(cid:32)(cid:15)(cid:25)(cid:35)\n(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:19)(cid:18)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:12)(cid:27)(cid:22)(cid:32)(cid:35)\n(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:19)(cid:18)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:2)(cid:19)(cid:18)(cid:30)(cid:28)(cid:28)(cid:26)(cid:35)\n(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:5)(cid:30)(cid:28)(cid:31)(cid:31)(cid:35)(cid:2)(cid:33)(cid:22)(cid:25)(cid:18)(cid:22)(cid:27)(cid:20)(cid:35)\n(cid:4)(cid:23)(cid:27)(cid:22)(cid:31)(cid:21)(cid:19)(cid:18)(cid:35)(cid:1)(cid:30)(cid:19)(cid:15)(cid:35)\n(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:4)(cid:22)(cid:27)(cid:22)(cid:31)(cid:21)(cid:19)(cid:18)(cid:35)(cid:1)(cid:30)(cid:19)(cid:15)(cid:35)\n(cid:1)(cid:16)(cid:28)(cid:34)(cid:19)(cid:35)(cid:5)(cid:30)(cid:15)(cid:18)(cid:19)(cid:35)\n(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:19)(cid:18)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)\n(cid:3)(cid:28)(cid:26)(cid:29)(cid:15)(cid:30)(cid:15)(cid:16)(cid:25)(cid:19)(cid:35)(cid:14)(cid:19)(cid:22)(cid:20)(cid:21)(cid:32)(cid:35)\n"} diff --git a/chunks/json/dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4.json b/chunks/json/dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4.json new file mode 100644 index 0000000000000000000000000000000000000000..e9e85ed570b2036e1954193e41da626e5a4aa2cd --- /dev/null +++ b/chunks/json/dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":523054,"char_start":521457,"chunk_id":"chk_ba236a2dac1f8a6c","chunk_index":310,"chunk_sha256":"dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Subject Property\n•\n\nProject Legal\nStructure 3.011\n3.012 3.013\n\nProject Information\n•\n\nProject Name\n18.004\n\nNo\n\nProperty in a PUD: Indicates whether the property is in a PUD.\n\nNo\n\nNo\n\nProperty in a Project\n•\n•\n\nYes (the property is in a condominium, cooperative, or condop)\nNo (the property is not in a condominium, cooperative, or condop)\n\nProject Legal Structure\n•\n•\n•\n\nCondominium\nCooperative\nCondop\n\nNo\n\nProject Name\nProvides support for the Project Information adjustment (22.02.05).\n\nYes | No\n\nRequired if the subject\nand comparable are in\na condo, co-op, or\ncondop\n\nSame Project as Subject\nis only applicable to\ncomparables\n\nNo\n\nSame Project as Subject\nProvides support for the Project Information adjustment (22.02.05).\n\n22.02.02\n22.02.07\n\nMonthly Fee\n\nIf relevant\n\n22.02.03\n22.02.08\n\nCommon\nAmenities/Ser\nvices\n\nIf relevant\n\nRequired if the\ncomparable is in a\ncondo, co-op, condop,\nor PUD, and the row is\nincluded in the sales\ncomparison grid\n\nRequired if the\ncomparable is in a\ncondo, co-op, condop,\nor PUD, and the row is\nincluded in the sales\ncomparison grid\n\nDollar amount\n\nProject Information\n• Mandatory\n\nMonthly Fees\n18.011\n\nNo\n\nMandatory Monthly Fees: The combined dollar amount of all the\nmandatory fees, expressed as a monthly amount.\nWhen included, provides support for the Project Information adjustment\n(22.02.05).\n\nChoose one or\nmore allowable\nanswers from\n18.012\n\nProject Information\n•\nCommon\nAmenities /\nServices 18.012\n\nNo\n\nWhen included, provides support for the Project Information adjustment\n(22.02.05).\n\nAppendix F-1: URAR Reference Guide\n\nPage 226 of 375\n\nVersion 1.3\n"} diff --git a/chunks/json/dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122.json b/chunks/json/dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122.json new file mode 100644 index 0000000000000000000000000000000000000000..481396a17bc88cb573f7348a9db38490aa6ad8e8 --- /dev/null +++ b/chunks/json/dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_411c43b41a243ef3","chunk_index":0,"chunk_sha256":"dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c46bb70f70f51d00","text_sha256":"dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Research___FHFA_njtu3.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research\"\ndate_accessed: \"2026-01-27T17:54:20.620Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e.json b/chunks/json/dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e.json new file mode 100644 index 0000000000000000000000000000000000000000..ac0a7f804ef00a7b6f3f27e2da389e7d9445a2c7 --- /dev/null +++ b/chunks/json/dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":614300,"char_start":612498,"chunk_id":"chk_a76f40fab064cccd","chunk_index":365,"chunk_sha256":"dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e","token_estimate":451,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts. Reference Appendix 4: Detached Garage Examples for\nmore information and examples of outbuildings that include garage areas.\n\nOutbuilding information repeats if the subject or any comparable has multiple outbuildings. When there are multiple outbuildings, align like-to-like\nOutbuilding Types when possible.\n\nAppendix F-1: URAR Reference Guide\n\nPage 269 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nNot on\nReport\n\n22.14.01\n22.14.14\n22.14.15\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Outbuilding\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nOutbuilding\nType\n\nN/A\n\nAlways required\n\nYes\n\nOutbuilding\n•\n\nConsidered Real\nProperty 12.002\n\nNo\n\nOutbuilding Considered Real Property: Indicates whether the outbuilding\nis considered real property (e.g., permanently affixed to the land).\n\nNote: Only outbuildings that are considered real property are displayed\nin the sales grid.\n\nWhen the\nsubject or any\ncomparable\nhas\noutbuilding(s)\nthat are not\nstandalone\nADUs or\nADU/Garages\n\nAlways required\n\nChoose an\nallowable answer\nfrom 12.001\n\nOutbuilding\n•\n\nOutbuilding Type\n12.001\n\nYes\n22.14.15\n\nAny adjustment for the outbuilding is made in this row, to support\nconclusions based on market support.\n\nNotes:\n•\n\n•\n\nStandalone ADUs that are not manufactured homes are reported\nin the Unit(s) subsection and do not display in the Outbuilding\nsubsection.\nIf the outbuilding contains an ADU, Outbuilding Type redisplays\nfrom Location of ADU (22.07.02, 22.07.18, 22.10.01, 22.10.16).\n"} diff --git a/chunks/json/dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98.json b/chunks/json/dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98.json new file mode 100644 index 0000000000000000000000000000000000000000..d5a259f46098269e534cf256bbfeeec3f1758737 --- /dev/null +++ b/chunks/json/dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98.json @@ -0,0 +1 @@ +{"chunk":{"char_end":292773,"char_start":290821,"chunk_id":"chk_44a7762dffe65aa7","chunk_index":167,"chunk_sha256":"dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98","token_estimate":488,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"3. CHOICE GROUP: INDIVIDUAL VS. LEGAL_ENTITY\n\nFor each service provider participating in the transaction, the GSEs require identification of the company (LEGAL_ENTITY)\nand their employee (INDIVIDUAL). This means that all PARTY containers under DEAL that do not have a PartyRoleType of\n“Borrower” or “PropertySeller” must be delivered in pairs with the same PartyRoleType enumeration—one with INDIVIDUAL\ninformation and one with LEGAL_ENTITY information. Figure 111 shows the same PARTYs illustrated above, except this time,\ntwo PARTY containers are shown for each service provider, one with an XPath including “…/PARTY/INDIVIDUAL” and the\npartner “…./PARTY/LEGAL_ENTITY”.\n\nFigure 111. Parties to the Transaction - INDIVIDUAL and LEGAL_ENTITY.\n\nRequired in All Files\n\nInclude with Purchase\n\nInclude in All Files when\nApplicable\n\nBorrower\n\nProperty Seller\n\nNote Pay To - INDIVIDUAL\n\nNote Pay To - LEGAL_ENTITY\n\nClosing Agent - INDIVIDUAL\n\nClosing Agent -\nLEGAL_ENTITY\n\nListing Real Estate Agent -\nINDIVIDUAL\n\nListing Real Estate Agent -\nLEGAL_ENTITY\n\nSelling Real Estate Agent -\nINDIVIDUAL\n\nSelling Real Estate Agent -\nLEGAL_ENTITY\n\nMortgage Broker -\nINDIVIDUAL\n\nMortgage Broker -\nLEGAL_ENTITY\n\n4. REMOVAL OF SEQUENCE NUMBER AND XLINK FUNCTION\n\nBefore UCD v2.0, the organization and individual contact were linked to each other by the XML xlink function. Each\nPARTY/ROLE was qualified with the attributes SequenceNumber and xlink:label. A partnering instance of RELATIONSHIP with\nthe attributes SequenceNumber, xlink:from, xlink:to and xlink:arcrole defined the connections using the ROLE xlink:label\nvalues. Specs prior to UCD v2.0 assigned specific values to the SequenceNumber and xlink attributes to enable the GSEs’\nreceiving applications to unambiguously identify the PARTYs represented by those values. This hard-coded “belt and\nsuspenders” approach misused SequenceNumber and imposed unnecessarily rigid requirement for the values of xlink:label.\n"} diff --git a/chunks/json/dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b.json b/chunks/json/dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b.json new file mode 100644 index 0000000000000000000000000000000000000000..8b9c0fa9ecaba5e152bfb7fac707fb9e577d8a44 --- /dev/null +++ b/chunks/json/dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8019,"char_start":6418,"chunk_id":"chk_1155803e6c668447","chunk_index":4,"chunk_sha256":"dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"EnergyEfficientAndGreenFeatures\n\n10000\n\nLivingUnitBedroomCount\n\n10000\n\nLivingUnitBathroomCount\n\n-10300\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n26000\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n-13940\n\nLivingUnitUnfinishedAreaBelowGrade\n\n-5000\n\nOverallConditionRating\n\n6000\n\nOutdoorLivingAmenity\n\n6000\n\nMiscellaneousAmenity\n\n490760\n\nNorth\n\nMost\n\nfalse\n\n141\n\n1\n\n0.17\n\n30760\n\nfalse\n\ntrue\n\nDwelling\n\n2004\n\nfalse\n\nFlooring\n\nNotUpdated\n\n1624\n\n3260\n\n0\n\nfalse\n\n4\n\n2\n\n1\n\nC4\n\nQ4\n\nKitchen\n\nPartiallyUpdated\n\nColonial\n\nVinyl\n\nExteriorWallsAndTrim\n\nComposition\n\nRoof\n\nC4\n\nQ4\n\n1\n\nCentralized\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF1_Comp1.png\n\nimage/png\n\n12\n\n460000\n\nSettledSale\n\n25.165172\n\n-51.328126\n\nSunnyside\n\nPatio\n\nDeck\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC4\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\n2019-07-22\n\n8500\n\n2019-08-17\n\n460000\n\nSale\n\n2018-09-01\n\n430000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\nTopography\n\nRolling\n\nResidential\n\n17886\n\nFull\n\nResidential\n\n188 Fallen Oak Ct\n\nTreeville\n\n12345\n\nVA\n\nDriveway\n\nAsphalt\n\n2\n\nfalse\n\nBuiltIn\n\nGarage\n\n2\n\nWalk Up\n\nBelow Grade Exterior Access\n\n2000\n\nSalesComparableAdditionalAdjustableComparisonItem\n\n0\n\nSiteSize\n\n0\n\nSalesConcessions\n\n5000\n\nSiteInfluence\n\n0\n\nContractDate\n\n0\n\nEnergyEfficientAndGreenFeatures\n\n10000\n\nLivingUnitBedroomCount\n\n5000\n\nLivingUnitBathroomCount\n\n7900\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n2000\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n1640\n\nLivingUnitUnfinishedAreaBelowGrade\n\n-1000\n\nOverallConditionRating\n\n2000\n\nOutdoorLivingAmenity\n\n6000\n\nMiscellaneousAmenity\n\n490540\n\nNorth\n\nMost\n\nfalse\n\n160\n"} diff --git a/chunks/json/dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba.json b/chunks/json/dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba.json new file mode 100644 index 0000000000000000000000000000000000000000..c4b4fb313f37ea22b83fd0bc5861ca6a8e0cb9df --- /dev/null +++ b/chunks/json/dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12161,"char_start":10648,"chunk_id":"chk_bffa874c057b622b","chunk_index":6,"chunk_sha256":"dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_75c54d5d6452a9a2","text_sha256":"dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba","token_estimate":480,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_tx7oog.md"]},"text":"[**Enterprise Multifamily Public Use Database Dashboard**](/data/dashboard/enterprise-multifamily-public-use-database)\n\n[**Enterprise Multifamily Public Use Database**](/data/pudb)\n\n###\n\nThe Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government-sponsored enterprises provide more than $8.4 trillion in funding for the U.S. mortgage markets and financial institutions. Additional information is available at[www.FHFA.gov](https://www.fhfa.gov/), on Twitter [@FHFA](https://twitter.com/FHFA), [YouTube](https://www.youtube.com/c/fhfachannel), [Facebook,](https://www.facebook.com/FHFA) and [LinkedIn](https://www.linkedin.com/company/fhfa).\n\n**Contacts:** [MediaInq​uiries@FHFA.gov](mailto:MediaInquiries@FHFA.gov)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a.json b/chunks/json/dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a.json new file mode 100644 index 0000000000000000000000000000000000000000..dae597de7d545eddec4af0ae2804efb73ed2616e --- /dev/null +++ b/chunks/json/dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":432563,"char_start":430965,"chunk_id":"chk_b790609ae3b2c89d","chunk_index":335,"chunk_sha256":"dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display when @ValuationUseType = “SubjectProperty” AND\nCostApproachIndicator = “true” AND DataSourceType = “CostService”\n\nDisplay when @ValuationUseType = “SubjectProperty” AND\nCostApproachIndicator = “true” AND DataSourceType = “CostService”\n\nDisplay when @ValuationUseType = “SubjectProperty” AND\nCostApproachIndicator = “true” AND (DataSourceType =\n“BuilderOrDeveloper” OR “CostService” OR “CostSurvey” OR “Other”)\n\n25.055\n\nCost Method\n\n1100.0025\n\nCostMethodType\n\n25.056\n\nDepreciation Method\n\n1100.0028\n\nDepreciationMethodType\n\nDisplay when CostApproachIndicator = “true”\n\nDisplay when CostApproachIndicator = “true”\n\nFigure 25 - 6\n\nCost Approach Commentary\n\nThe Cost Approach Commentary subsection displays only when comments are provided. Any commentary must use\nCostAnalysisCommentDescription (UID: 1100.0023, FID: 25.057)\n\nCost Approach Exhibits\n\nThe Cost Approach Exhibits subsection displays only when images are provided. All text must display above the image in bold font.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nMap of Land Comparable\n\nA map showing the subject property and land comparables may be provided and is delivered in the instance of PROPERTY where\n@ValuationUseType (UID: 0100.0043, FID: Not on report) = “SubjectProperty”.\n\n• When provided, the map must be delivered using ImageCategoryType (UID: 1400.0638, FID: 25.59.1) = “LandComparableMap”\n\nand displays with the caption “Map of Land Comparables”.\n\nPage 340\n\nAdditional Exhibits\n\n• Any additional images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 25.058.1) =\n\n“CostApproachExhibit”.\n"} diff --git a/chunks/json/dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59.json b/chunks/json/dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59.json new file mode 100644 index 0000000000000000000000000000000000000000..d524782153348568523d7a3906e20ebbe284e43a --- /dev/null +++ b/chunks/json/dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59.json @@ -0,0 +1 @@ +{"chunk":{"char_end":334080,"char_start":333872,"chunk_id":"chk_7e5ae24398b89842","chunk_index":192,"chunk_sha256":"dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59","token_estimate":53,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf","below_target_min_tokens"]},"text":"Lender\nSettlement Agent\nAs applicable: Mortgage Broker\n\n24.0\n\nConfirm Receipt\n\nN/A for UCD v2.0\n\nN/A for UCD v2.0\n\n25.0\n\nPayoffs and Payments Table (K)\n\n✓\n\nUCD v2.0 Implementation Guide\n\n- 156 -\n\nVersion 1.0\n"} diff --git a/chunks/json/dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac.json b/chunks/json/dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac.json new file mode 100644 index 0000000000000000000000000000000000000000..ef1e21052ebf47311a15c5092af602000f1828b2 --- /dev/null +++ b/chunks/json/dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27501,"char_start":25877,"chunk_id":"chk_d9cb15056f997a4f","chunk_index":8,"chunk_sha256":"dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"Business-to-Business Direct Integration (DI)\n\n**Q15. How will the direct integration response be structured?**\n\nThe lender feedback response will be provided in a structured XML file for each UCD file submitted. The structured XML response will also include an embedded HTML document of the UCD Findings Report. Please contact Fannie Mae’s Integration Team for more details on this process.\n\nUCD Findings Report\n\n**Q16. What is meant by ‘Warning-to-Fatal’ in the severity column of the UCD Findings Report?**\n\nAs of August 6, 2020, Fannie Mae introduced a new severity category of ‘Warning-to-Fatal’. If you receive an edit with this new category, it means that the edit is a part of the UCD Critical Edit Phase 2 list of requirements. This does not indicate a different severity from ‘Warning’ but, provides an indication of the next Fatal Transition Phase.\n\n**NOTE**: *As we move forward with other phases, this severity category will be an indication of one of the next phases.*\n\n**Q17. Will there be common UCD response file data and messaging between the GSEs?**\n\nNo. Because Fannie Mae and Freddie Mac each have their own proprietary collection platform, the response files are different. In addition, each GSE has established their own proprietary business rules to generate edit feedback messages on the submitted UCD files. Fannie Mae will provide an Upload Summary Report for all individual and batch UCD file submissions and will also provide a Findings Report for each UCD file that was successfully uploaded. Refer to the [UCD Feedback Messages](/media/document/xlsx/ucd-feedback-messages) for details.\n"} diff --git a/chunks/json/dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e.json b/chunks/json/dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e.json new file mode 100644 index 0000000000000000000000000000000000000000..35a701f3c747552747c4abd46559df30824678e1 --- /dev/null +++ b/chunks/json/dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13395,"char_start":11448,"chunk_id":"chk_9c977537063942c5","chunk_index":6,"chunk_sha256":"dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e","token_estimate":485,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"Image\n\n![Language Access Multi-Year Plan May 2018 thumbnail](/sites/default/files/styles/large/public/2023-04/LEP-Multi-Year-Plan%20%281%29.png?itok=7V1KeNAI)\n\n[**View the Plan**](/sites/default/files/2023-03/lep-multi-year-plan.pdf)\n\nIn addition, as part of Fannie Mae and Freddie Mac's URLA announcement in August 2019, a voluntary consumer information form (VCIF) was developed for lenders to collect preferred language information should they choose to do so.\n\n**2016 - 2017 Language Access Activities of FHFA and the Enterprises**\n FHFA's [*2017 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions*](/sites/default/files/2023-03/2017-Scorecard-for-Fannie-Mae-Freddie-Mac-and-CSS.pdf) required the Enterprises to identify major obstacles for LEP borrowers in accessing mortgage credit, analyze potential solutions, and develop a multi-year plan to support improved access.\n\nAs part of this research, in May 2017 FHFA requested [public input](/news/news-release/fhfa-issues-request-for-input-to-improve-access-to-credit-for-qualified-mortgage-borrowers-with) on issues faced by LEP borrowers throughout the mortgage life cycle to better understand the experiences of these borrowers and the mortgage industry participants who serve them. FHFA and the Enterprises also conducted outreach to industry and consumer groups on these issues.\n\nThe Enterprises conducted interviews and focus groups with borrowers whose primary language was not English and with lenders and servicers. These interviews and focus groups examined how limited English proficient borrowers engage in the mortgage process and how lenders and servicers engage with them. Each round of testing was conducted by Kleimann Communication Group on behalf of the Enterprises. Results from these interviews and focus groups are detailed in [Kleimann's April 2017 report](/sites/default/files/2023-04/Borrower-Language-Access-Final-Report-June-2017.pdf).\n"} diff --git a/chunks/json/dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1.json b/chunks/json/dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1.json new file mode 100644 index 0000000000000000000000000000000000000000..3f8ba24d61548ed43e95b77a9dee2fab369a62a7 --- /dev/null +++ b/chunks/json/dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62594,"char_start":61918,"chunk_id":"chk_bcb414f88030e4d3","chunk_index":99,"chunk_sha256":"dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1","token_estimate":579,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Additional Properties Analyzed Not Used ................................................................................................................................................................................ 294\n\nSales Comparison Map ............................................................................................................................................................................................................. 295\n\nSales Comparison Approach Exhibits ....................................................................................................................................................................................... 295\n"} diff --git a/chunks/json/dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d.json b/chunks/json/dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d.json new file mode 100644 index 0000000000000000000000000000000000000000..1b076722785e6122a3f04a08f69f6533a1a5597b --- /dev/null +++ b/chunks/json/dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16722,"char_start":14523,"chunk_id":"chk_82671ddfaf32f416","chunk_index":9,"chunk_sha256":"dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d","token_estimate":550,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"ABC123\n\nValuationSoftwareVendor\n\nAD43201\n\nManagementCompany\n\n284000\n\nRecent sales for vacant and unimproved lots within the subject's market area were analyzed to determine the opinion of site value for the subject. Six sales were identified in the subject's zip code that ranged in lot size from 7.3 acres to 21.2 acres with sale prices ranging from $175,000 to $315,000. The comparable sales selected all have RA-10 zoning (same as subject), were the most proximate sales that were similar in site size to the subject and sold for $19,000 to $22,000 per acre (rounded). The opinion of value for the subject's site was reconciled at $20,000 (rounded) per acre.\n\nSalesComparison\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nThe subject and comparables are located within a market area that has a rural nature while being within 40 miles commuting distance to the Northern Virginia and Washington, DC metropolitan and suburban area business and government centers. Within this market segment larger lots with pastoral views and accessory structures and outbuildings are typical. However, sales of properties with accessory dwelling units, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #1 and #2 are given greatest consideration as they contain accessory dwelling units that are located within the main dwelling but are otherwise similar to the subject's accessory unit. Comparables #1 and #2 are also similar to the subject in age and Comparable #2 is most similar to the subject in level and quality of updates. Comparable #3 has a garage, an ADU, and a seperate studio. The ADU shares a common wall with the garage. However, Comparable #3 receives least consideration as it is an older farmhouse that has been gut renovated, including foundation work to upgrade and provide additional support. The renovation was completed with a high level of quality and craftsmanship while maintaining vintage characteristics (e.g., random width wood flooring and trim that has been restored and refinished) which may appeal to a different buyer pool than houses of the subject and comparable #1 and #2's vintage.\n"} diff --git a/chunks/json/dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd.json b/chunks/json/dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd.json new file mode 100644 index 0000000000000000000000000000000000000000..9f79960008dbd814a50767fc318eb8b3872824ee --- /dev/null +++ b/chunks/json/dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5299,"char_start":5263,"chunk_id":"chk_5f0c36cd22493a00","chunk_index":3,"chunk_sha256":"dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_70f5e344060f13d5","text_sha256":"dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd","token_estimate":13,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-july-20-2024.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae.\n\n5.29.24\n\n2 of 2\n"} diff --git a/chunks/json/dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7.json b/chunks/json/dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7.json new file mode 100644 index 0000000000000000000000000000000000000000..cd7642c4689306af445c69c1fa0153090c84f6d5 --- /dev/null +++ b/chunks/json/dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4942,"char_start":3303,"chunk_id":"chk_c98b73f58cc804d9","chunk_index":2,"chunk_sha256":"dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"\n\nAn example of a LIABILITY container associated with the ASSET is shown here. Please remember that\nthis LIABILITY container should be associated with a borrower using an ArcRole.\n\nShould one of the Present Housing Expenses be Rent, it must be expressed using the LANDLORD_DETAIL\nand RESIDENCE_DETAIL containers. The value of\nBorrowerResidencyBasisType must be “Rent” in RESIDENCE_DETAIL as shown here.\n\n4\n\nCovering these areas of the file will ensure that all Present Housing Expenses are included in any DU\ncalculations that require this data.\n\n5. Where is concurrent financing from section “4b. Other New Mortgage Loans on the Property You\n\nare Buying or Refinancing” found in the DU Spec?\n\nConcurrent or subordinate financing data is identified in the DU Spec by filtering on the column\nLoanRoleType = “RelatedLoan”. There are 8 data points with LoanRoleType = “Related Loan”, six of\nwhich are displayed on the URLA form and two of the Related Loan data points, FundsSourceType and\nFundSourceTypeOtherDescription. are not on the form.\n\n6. What data points does DU use for Purchase Credits? Why do they appear in two different\n\nsections of the URLA?\n\nThe Purchase Credit data points are: PurchaseCreditType (UID 5.0244), PurchaseCreditAmount (UID\n5.0245), PurchaseCreditTypeOtherDescription (UID 17.0024), PurchaseCreditSourceType (UID 5.0270),\nand PurchaseCreditSourceTypeOtherDescription (UID 5.0271). The DU Spec includes the supported\nenumerations for each data point.\n"} diff --git a/chunks/json/dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443.json b/chunks/json/dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443.json new file mode 100644 index 0000000000000000000000000000000000000000..167b6f15772965dcbfd6e826a05da38defa5f80e --- /dev/null +++ b/chunks/json/dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13159,"char_start":11557,"chunk_id":"chk_a743181188c21661","chunk_index":7,"chunk_sha256":"dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Level and Room Detail\n\n864 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nTenant\nYes\n2\n1\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n864 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Bedroom\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ5\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Interior Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nPartially Updated\n\n5–10 years\n\nQuality Comment\nThe stove is fully\nfunctional but\nconsidered outdated,\nundersized and does\nnot meet current\nstandards in the market.\n\nBasic quality cabinetry\nand fixtures\n\nCondition Status\nDamaged and\nFunctional\n\nTypical Wear and Tear\n\nCondition Comment\nSome cabinet hardware\nand cabinet fronts\nmissing exhibiting\nmoderate wear and\ntear.\n\nNewer laminate floor\ninstalled. Some cabinet\nhardware missing.\n\nCheck #A\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nDetail\nCarpet\n\nLaminate\n\n8 Ft. | Flat\n\nQuality Comment\nCommercial grade carpeting\n\nCondition Status\nNew or Like New\n\nCondition Comment\nAdd comment if needed.\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nPaint shows wear, needs to\nbe updated.\n\nCheck #A\n"} diff --git a/chunks/json/dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2.json b/chunks/json/dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2.json new file mode 100644 index 0000000000000000000000000000000000000000..d60394498e37d68f950ea8759fbfc5c3ffc3d93e --- /dev/null +++ b/chunks/json/dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1738,"char_start":0,"chunk_id":"chk_9195889acfd29b39","chunk_index":0,"chunk_sha256":"dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_033d2d4fc5dba7ee","text_sha256":"dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Annual_Report_to_Congress___U_S__FEDERAL_HOUSING_10uhfd.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/annual-report-to-congress\"\ndate_accessed: \"2026-01-27T17:54:20.646Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02.json b/chunks/json/dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02.json new file mode 100644 index 0000000000000000000000000000000000000000..16a3166f4727629bea74b76c727d3cf6a17fb069 --- /dev/null +++ b/chunks/json/dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02.json @@ -0,0 +1 @@ +{"chunk":{"char_end":420599,"char_start":418487,"chunk_id":"chk_20756717cb6ce7cd","chunk_index":234,"chunk_sha256":"dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02","token_estimate":528,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If any one of the above conditions was not met or an eligible loan term was modified subsequent to the last DU submission, the\nlender must\n\n• obtain updated income, employment, and credit report documents no more than four months prior to conversion; and\n•\n\nre-qualify the borrower(s) in accordance with the Requalification Requirements below.\n\nUpdated asset documentation is not required at the time of conversion to permanent financing (regardless of the age of asset\ndocuments) unless upon requalification, either of the following applies:\n\n• more reserves are required than were required at the time of original qualification\n\no\n\nthe full amount of reserves must then be reverified, or\n\n•\n\nthe borrower chooses to bring additional funds to the transaction\n\no\n\nthe additional funds must come from an eligible source and be documented.\n\nImpact on Validation through the DU Validation Service\n\nIf updated credit documents are required to be obtained after the original closing of the construction loan, any validation of\nincome, employment, or assets is no longer applicable. Updated validation reports must be obtained, and the loan casefile\nresubmitted to DU, and the loan must convert to permanent financing by the Close By Date stated in the DU validation message in\norder for validation and the associated waiver of enforcement relief of representations and warranties to apply.\n\nSee Selling Guide B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns for additional information.\n\nAge of Appraisal Documents\n\nFor all single-closing transactions, the effective date of the appraisal report must be no more than four months prior to the note\ndate (that is, the closing date of the construction loan). At the time of completion of construction, a Restricted Appraisal Update\nReport and Completion Report must be completed. If the appraiser indicates on the Restricted Appraisal Update Report that the\nproperty value has declined, then the lender must obtain a new appraisal for the property and requalify the borrower using the\nupdated LTV ratio per the Requalification Requirements below.\n"} diff --git a/chunks/json/dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579.json b/chunks/json/dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579.json new file mode 100644 index 0000000000000000000000000000000000000000..da11817a03c4aff47070550df2fafe3e1975a9b1 --- /dev/null +++ b/chunks/json/dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1683,"char_start":1085,"chunk_id":"chk_eb46687a45a13f8b","chunk_index":1,"chunk_sha256":"dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579","token_estimate":570,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Purpose .................................................................................................................................................................................................................................................................................................. 3\n\nTypical Properties ................................................................................................................................................................................................................................................................................... 3\n"} diff --git a/chunks/json/dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72.json b/chunks/json/dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72.json new file mode 100644 index 0000000000000000000000000000000000000000..b3d82260f11134bd801cba518ed7c0416f691c4b --- /dev/null +++ b/chunks/json/dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18647,"char_start":17418,"chunk_id":"chk_c1253fa2198f4977","chunk_index":10,"chunk_sha256":"dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"[View More](/data/dashboard/uad-aggregate-statistics-dashboard-portal)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8.json b/chunks/json/dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8.json new file mode 100644 index 0000000000000000000000000000000000000000..4b0ad6d0a724ec3a0c06b8bb53388bb157cf36a7 --- /dev/null +++ b/chunks/json/dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7570,"char_start":6898,"chunk_id":"chk_29cc0fd0a4e541e1","chunk_index":4,"chunk_sha256":"dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_75d81a7076add137","text_sha256":"dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8","token_estimate":168,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-sept-27-2025.pdf","below_target_min_tokens"]},"text":"As required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae\nservices, including DU, no later than 120 days after the date the related specifications are made available. If your product or\ninterface is unable to support the release in accordance with this timeline, please notify your Fannie Mae representative.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU webpage or contact your Fannie Mae\nrepresentative.\n\n© 2025 Fannie Mae 8.8.25\n\n4 of 4\n"} diff --git a/chunks/json/dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be.json b/chunks/json/dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be.json new file mode 100644 index 0000000000000000000000000000000000000000..e325326507048a933d1f9db0854f1c7ada616e0c --- /dev/null +++ b/chunks/json/dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":429259,"char_start":427564,"chunk_id":"chk_0feb1b56bd8327cd","chunk_index":333,"chunk_sha256":"dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be","token_estimate":424,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• Total - SiteOtherImprovementsAsIsAmount (UID: 1100.0032, FID: 25.003, 25.039)\n\no Calculated: The sum of all SiteImprovementAsIsCostAmount (UID: 1100.0035, FID: 25.038)\no Cannot be delivered as zero.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 25 - 4\n\nPage 336\n\nSite Value\n\nThe Site Value subsection displays when CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true”. When this subsection displays,\nOpinion of Site Value – SiteEstimatedValueAmount (UID: 1100.0030, FID: 25.004, 25.041) and Primary Site Valuation Method –\nSiteValuationMethodType (UID: 1100.0033, FID: 25.040) are required.\n\nOpinion of Site Value – SiteEstimatedValueAmount (UID: 1100.0030, FID: 25.004, 25.041) displays even if the value is zero.\n\nWhen Primary Site Valuation Method – SiteValuationMethodType (UID: 1100.0033, FID: 25.040) = “SalesComparison” AND\n@ValuationUseType = “LandComparable” then the following displays for each comparable (Figure 25 - 5):\n\n• Address or APN must be provided. If both are provided, both should be delivered in the data and displayed on the report.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no When Assessor Parcel Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 25.046) is null, Address is required.\n\nPage 337\n\n▪ # - PropertyOrdinalNumber (UID: 1100.0015, FID: 25.042)\n▪ Address - AddressLineText (UID: 1100.0005, FID: 25.043)\n▪ Address - CityName (UID: 1100.0007, FID: 25.043)\n▪ Address - PostalCode (UID: 1100.0009, FID: 25.043)\n▪ Address - StateCode (UID: 1100.0010, FID: 25.043)\n▪ County - CountyName (UID: 1100.0008, FID: 25.044)\n\no When Address - AddressLineText (UID: 1100.0005, FID: 25.043) is null, Assessor Parcel Number (APN) is required.\n"} diff --git a/chunks/json/dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6.json b/chunks/json/dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6.json new file mode 100644 index 0000000000000000000000000000000000000000..f3f9b14b263e06c5020ead1f9f6e0831c4f8222d --- /dev/null +++ b/chunks/json/dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":349143,"char_start":347530,"chunk_id":"chk_bab33c36c667afc8","chunk_index":206,"chunk_sha256":"dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Apparent Defects, Damages, Deficiencies (Unit Interior)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.056\n\nFeature\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nFlooring\n\n•\n• Walls and Ceiling\n•\nOther (Describe)\n\nNote: Photos or images must be provided for each physical defect, damage, or\ndeficiency. These display in Unit Interior Exhibits as “Apparent Defects,\nDamages, Deficiencies” with the indicated Feature. An additional caption may\nbe provided.\n\n10.057\n\nLocation\n\nRequired for each\ndefect, damage, or\ndeficiency\n\n10.058 Description\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n•\n•\n•\n•\n\nFull Bathroom\nHalf Bathroom\nKitchen\nOther (Describe) – Briefly describe the location of the defect, damage, or\ndeficiency. Example: Dining room, living room.\n\nFree-form\n\nDescription of the defect, damage, or deficiency.\n\nAppendix F-1: URAR Reference Guide\n\nPage 146 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.059 Affects\n\nSoundness or\nStructural\nIntegrity\n\n10.060 Recommended\nAction\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nAllowable\nAnswers / Format\n\nYes | No\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nUnit Interior Commentary\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7.json b/chunks/json/dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7.json new file mode 100644 index 0000000000000000000000000000000000000000..3522f6b40c3356298f40cd88377f5348d944d859 --- /dev/null +++ b/chunks/json/dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35334,"char_start":33705,"chunk_id":"chk_19bc31da1466d0fa","chunk_index":23,"chunk_sha256":"dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"ROLE\n\nSequence Number = “1”\n xlink:label = “NOTE_PAY_TO_1”\n ROLE DETAIL\n\nParty Role Type = NotePayTo\n\nFigure 7. Establishing Endpoints of Relationship\n\nThe table below (Table 7) shows the endpoints that will makeup the xlink arcrole relationship for the\nrelationship.\n\nCONTAINER\n\nXPath For Container\n\nLOAN\nROLE\n\nDEAL/LOANS/LOAN\nDEAL/PARTIES/PARTY/ROLES/ROLE\n\nTable 7. Identifying Endpoints in the Relationship\n\nSequence\nNumber\n2\n1\n\nXlink:label\n\nRELATED_LOAN_2\nNOTE_PAY_TO_1\n\nThe table below (Table 8) shows a breakdown of the detailed components of the relationship used to\nrelate a related loan to a creditor (NotePayTo) for that loan.\n\nXPath\n\nAttribute\n\nxlink:label\n\nValue\n\nNotes\n\nRELATIONSHIPS CONTAINER\n\nFirst instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/\n/RELATIONSHIPS/RELAT\nIONSHIP\n\nSequence Number\n\n1\n\narcrole=\"urn:fdc:mism\no.org:2009:residential\nfrom\nto\n\nLO AN_IsAssociatedWi\nth_RO LE\nRELATED_LOAN_2\nNOTE_PAY_TO_1\n\nTable 8. Relationships Container – Component Details\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 21 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nThe figure below (Figure 8) shows a basic example of how the xlink arcrole relationship linking a related\nloan to a creditor (NotePayTo) would look in the RELATIONSHIPS container.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “RELATED_LOAN_2”\n xlink:to = “NOTE_PAY_TO_1”\n xlink:arcrole = “LOAN_IsAssociatedWith_ROLE”\n\nFigure 8. Using Endpoints and an Arcrole To Define a Relationship\n"} diff --git a/chunks/json/dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b.json b/chunks/json/dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b.json new file mode 100644 index 0000000000000000000000000000000000000000..ebfb7ece791372c98ad8ef374afa0469835f41f2 --- /dev/null +++ b/chunks/json/dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":236275,"char_start":234675,"chunk_id":"chk_a2e1a7f2add28828","chunk_index":136,"chunk_sha256":"dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 5 of 18\nPage 5 of 18\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nStructure Design\nFloors in Building\nFront Door Elevation\nYear Built\nConverted Area\n\n1\nHigh-rise\n15\n10 or more feet\n1971\nNone\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nFire Suppression\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n1,209 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nMLS\nProperty Management\nCompany\n\nLevels in Unit\nFloor Number\nCorner Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\nNon-Residential Use in Unit\nLive/Work Space\n\n1\n12\nNo\nOwner\n1\n1\n0\nNo\nNo\n\nLevel and Room Detail\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,209 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n"} diff --git a/chunks/json/dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f.json b/chunks/json/dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f.json new file mode 100644 index 0000000000000000000000000000000000000000..b056ee20ea157edc446300efad2d014416bfc1c6 --- /dev/null +++ b/chunks/json/dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1627,"char_start":0,"chunk_id":"chk_97112f44a8c354c6","chunk_index":0,"chunk_sha256":"dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e7b4ddc2d288ca6b","text_sha256":"dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/quick-guide-ucd-enhancements-oct-12-2022.pdf"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nOct. 12, 2022\n\nDear Integrated Partner,\n\nThe Uniform Closing Dataset (UCD) Phase 3 critical edits will be implemented as fatal severity in the UCD Test Environment on Oct. 24 and as warning-to-fatal severity in\nproduction on Nov. 7. Lenders can access transition resources to prepare for the Phase 3 edits to turn fatal on May 1, 2023, including the UCD critical edits transition timeline.\n\nThis UCD Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read format all in one document. See the 2021\nRelease Notes Summary to review an archive of the enhancements to UCD in 2021.\n\nLooking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.\n\nOn the Horizon\n\nEffective\nDate\nNovember 7\n\nImpacted Area\n\nUCD Critical Edits -\n\nPhase 3\n\nImplementation\n\nOctober 21\n(evening)\n\nUCD Critical Edits -\n\nPhase 3\n\nImplementation\n\nDescription\n\nOn Nov. 7, 2022, the GSEs will transition UCD Phase 3 edits to a warning-to-fatal severity. Lenders should review all feedback\nmessages returned by the UCD Collection Solution and resolve any issues, particularly for any Phase 3 edits showing a severity\nof warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ UCD report.\nUCD Feedback Messages will be updated on Oct. 24 to reflect the edits that will transition to warning-to-fatal on Nov. 7. Please\nreference the UCD Critical Edits Transition Resources page for additional resources.\n"} diff --git a/chunks/json/dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb.json b/chunks/json/dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb.json new file mode 100644 index 0000000000000000000000000000000000000000..e873df10138cc7f5480657d971d26f0d607313b7 --- /dev/null +++ b/chunks/json/dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":594184,"char_start":592531,"chunk_id":"chk_7cedc7e43debc870","chunk_index":353,"chunk_sha256":"dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Overall Flooring Quality\nSummary does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nWalls and Ceiling\nQuality Summary does\nnot populate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nUnit Interior\n•\n\nInterior Feature\nOther Description\n10.044 (Report\nLabel)\n\nOther Interior Feature\nQuality Summary\n22.10.08 does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nNo\n\nKitchen Quality Summary: A short description summarizing the quality of\nthe kitchen in the ADU.\n\nNo\n\nOverall Bathrooms Quality Summary: A short description summarizing\nthe overall quality of all bathrooms in the ADU.\n\nNo\n\nOverall Flooring Quality Summary: A short description summarizing the\noverall quality of all flooring in the ADU.\n\nNo\n\nWalls and Ceiling Quality Summary: A short description summarizing the\noverall quality of the walls and ceilings in the ADU.\n\nNo\n\nIf needed to support the quality rating, additional rows may be included\nfor any features not predefined that were added to the Interior Features\ntable in the Unit Interior section for the ADU.\n\nExample: Other Interior Feature Example in Unit Interior and Sales\nComparison Approach\n\nOther Interior Feature Quality Summary: A short description\nsummarizing the quality of the additional feature. Example: Custom\ndesigned high grade\n\nNotes:\n•\n\n•\n\nIf the feature does not exist for the comparable ADU, enter\n“None”.\nIf the comparable ADU has an interior feature that the subject\ndoes not have, report this as an Additional Row in the Unit(s)\nsubsection for the ADU (22.07.15) and not here.\n"} diff --git a/chunks/json/dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5.json b/chunks/json/dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5.json new file mode 100644 index 0000000000000000000000000000000000000000..660ffac091f8afe3f9e94c6400962ec71b66209e --- /dev/null +++ b/chunks/json/dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1717,"char_start":0,"chunk_id":"chk_1362dff1b1a36b0d","chunk_index":0,"chunk_sha256":"dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5","date_utc":"2026-01-27T17:54:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a4014d6226a8fad5","text_sha256":"dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Input___FHFA_cya9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/public-input\"\ndate_accessed: \"2026-01-27T17:54:20.266Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485.json b/chunks/json/dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485.json new file mode 100644 index 0000000000000000000000000000000000000000..539957128b9af6d3087aec1ca2eff8d924386380 --- /dev/null +++ b/chunks/json/dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485.json @@ -0,0 +1 @@ +{"chunk":{"char_end":805720,"char_start":804091,"chunk_id":"chk_bff0f95e288e59bb","chunk_index":478,"chunk_sha256":"dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\n\nBoolean\n\nOne and only one of fields 2-7, 2-8 (values\nof Project Common Elements Leased\nIndicator) should be indicated.\n\nThis field should be populated if field 2-7\n(Project Common Elements Leased Indicator\n= 'Y') is indicated. This is a free text field\nwhich should describe the rental terms and\noptions.\n\nOne and only one of fields 2-10, 2-11\n(values of Project Analysis Ground Rent\nIndicator) should be indicated.\n\nOne and only one of fields 2-10, 2-11\n(values of Project Analysis Ground Rent\nIndicator) should be indicated.\nThis field should be populated if field 2-10\n(Project Analysis Ground Rent Indicator =\n'Y') is indicated.\nThis field should be populated if field 2-10\n(Project Analysis Ground Rent Indicator =\n'Y') is indicated.\n\nOne and only one of fields 2-14, 2-15\n(values of Adequate Indicator) should be\nindicated.\n\nOne and only one of fields 2-14, 2-15\n(values of Adequate Indicator) should be\nindicated.\n\nPROJECT\nINFORMATION\n\nAre the parking facilities adequate for\nthe project size and type?\nIf No, describe and comment on the\neffect on value and marketability.\n\nProject Car Storage\nAdequacy Effect On\nMarketability\nDescription\n\nA free-form text field describing the effect\nof the adequacy or inadequacy of parking\non the marketability of the project or a\nunit thereof.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@_AdequacyEffectOnMarketabilityDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nThis field should be populated if field 2-15\n(Adequate Indicator = 'N') is indicated.\n"} diff --git a/chunks/json/dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb.json b/chunks/json/dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb.json new file mode 100644 index 0000000000000000000000000000000000000000..caa34cc312a282e1c7ec14d90f77c5e85557c24b --- /dev/null +++ b/chunks/json/dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3375,"char_start":1758,"chunk_id":"chk_3806eab473b26978","chunk_index":1,"chunk_sha256":"dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate\nto information 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\n700 1ST AVE, NW, UNIT 1206, WASHINGTON, DC 20001\n\nSUMMARY\n\nOpinion of Market Value\n\n$548,999 (Cooperative Interest)\n\nMarket Value Condition\n\nAs Is\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAnnie Appraiser\n\nOverall Quality\nOverall Condition\n\nQ3\nC3\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\n08/28/2019\nPurchase\nJohn Jones\nMary Jones\nCurrent Owner of Public Record Harry Smith\n\nContract Price\nListing Status\n\nProperty Description\n\nAttachment Type\nStructure Design\n\nBill Smith\n$585,000\nPending\n\nAttached\nHigh-rise\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\n\n1\n0\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nProperty Restriction\nZoning Compliance\n\nHistoric Preservation\nLegal\n\nYes No\n \n \n \n \n \n \n\nYes No\n \n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 2 of 18\nPage 2 of 18\n\nNEW PG!\n\nAssignment Information\n\nProperty Valuation Method\n\nTraditional Appraisal\n"} diff --git a/chunks/json/dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e.json b/chunks/json/dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e.json new file mode 100644 index 0000000000000000000000000000000000000000..aa80663dbb107c55f0dc5b96e9b85095b69529a4 --- /dev/null +++ b/chunks/json/dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":144425965,"char_start":0,"chunk_id":"chk_82e03ac5d9a56d1a","chunk_index":0,"chunk_sha256":"dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e","date_utc":"2026-01-27T18:00:18+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_5f054a725266a341","text_sha256":"dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e","token_estimate":1000,"warnings":["source_path=ent_uad_puf_annual_csv_v2_1/_.csv/ent_uad_puf_2016_v2_1.csv","exceeds_max_chunk_chars_truncated"]},"text":"record_id: 1600123026000 | year: 2016 | weight: 20 | state_fips_2010: 25 | state_fips_2020: NA | county_fips_2010: 25017 | county_fips_2020: NA | tract_fips_2010: 25017360200 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 1605000 | sales_range_low: 905000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: -66550 | average_adjustment: -67475 | adjusted_price: 1095000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 1.12 | reported_proximity: 1.15 | value_sale_comparison: 1105000 | value_cost: 1115000 | value_income: NA | appraised_value: 1105000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1600154406000 | year: 2016 | weight: 20 | state_fips_2010: 45 | state_fips_2020: NA | county_fips_2010: 45083 | county_fips_2020: NA | tract_fips_2010: 45083023201 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 275000 | sales_range_low: 115000 | updated_last_15_years: 1 | lot_size: 3 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 7 | median_adjustment: 9150 | average_adjustment: 9275 | adjusted_price: 155000 | number_comparables: 2 | same_tract_percent: 25 | calculated_proximity: 4.08 | reported_proximity: 4.08 | value_sale_comparison: 155000 | value_cost: NA | value_income: NA | appraised_value: 155000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1600134459000 | year: 2016 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06001 | county_fips_2020: NA | tract_fips_2010: 06001420200 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 735000 | sales_range_low: 495000 | updated_last_15_years: 2 | lot_size: 1 | quality: 4 | condition: 3 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: 14000 | average_adjustment: 6750 | adjusted_price: 765000 | number_comparables: 2 | same_tract_percent: 0 | calculated_proximity: 0.41 | reported_proximity: 0.41 | value_sale_comparison: 745000 | value_cost: NA | value_income: NA | appraised_value: 745000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1600184665000 | year: 2016 | weight: 20 | state_fips_2010: 53 | state_fips_2020: NA | county_fips_2010: 53009 | county_fips_2020: NA | tract_fips_2010: 53009000900 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 225000 | sales_range_low: 175000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 1 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 925 | average_adjustment: 6119 | adjusted_price: 205000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 0.63 | reported_proximity: 0.63 | value_sale_comparison: 205000 | value_cost: 245000 | value_income: NA | appraised_value: 205000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1\nrecord_id: 1600024168000 | year: 2016 | weight: 20 | state_fips_2010: 48 | state_fips_2020: NA | county_fips_2010: 48113 | county_fips_2020: NA | tract_fips_2010: 48113019019 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 65000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 75000 | sales_range_low: 75000 | updated_last_15_years: 1 | lot_size: 1 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gr\n"} diff --git a/chunks/json/dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae.json b/chunks/json/dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae.json new file mode 100644 index 0000000000000000000000000000000000000000..8e4305081b07a15a3c82005d3a2f7fcbee2370f4 --- /dev/null +++ b/chunks/json/dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28340,"char_start":26492,"chunk_id":"chk_00d1cdc4adfb456a","chunk_index":14,"chunk_sha256":"dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae","token_estimate":462,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Manufactured Home Property Eligibility Requirements\n• MH Advantage Property Eligibility Requirements\n• Modular, Prefabricated, Panelized, or Sectional Housing Eligibility\n• Modular, Prefabricated, Panelized, or Sectional Housing Requirements\n• Modular Construction Techniques on Multi-Unit Buildings\n\nManufactured Home Property Eligibility Requirements\n\nFannie Mae defines a “manufactured home” as any dwelling unit built on a permanent chassis that is attached to a permanent\nfoundation system and evidenced by a HUD Data Plate and HUD Certification Label(s). For additional information, see Selling\nGuide, B5-2-02, Manufactured Housing Loan Eligibility. (The terms “manufactured home” and “manufactured housing” are used\ninterchangeably in this Guide).\n\nThe table below provides additional manufactured housing property eligibility requirements. For manufactured housing\nappraisal requirements, see SB4-1.4-01, Factory-Built Housing: Manufactured Housing. For more information, see the\nManufactured Housing Product Matrix. For project review methods for manufactured homes located in a condo or PUD, see\nSB4-2.1-01, General Information on Project Standards.\n\n✓\n\nRequirements\n\nThe manufactured home must be built in compliance with\n\n•\n\n•\n\nthe Federal Manufactured Home Construction and Safety Standards that were established June\n15, 1976, as amended and in force at the time the home is manufactured; and\n\nadditional requirements that appear in HUD regulations at 24 C.F.R. Part 3280.\n\nCompliance with these standards will be evidenced by the presence of either a HUD Data Plate or the HUD\nCertification Label(s) for each section of the home for existing construction. If the original or alternative\ndocumentation cannot be obtained for either of these, the loan is not eligible for sale to Fannie Mae. (Both\nare required for new construction).\n"} diff --git a/chunks/json/dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9.json b/chunks/json/dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9.json new file mode 100644 index 0000000000000000000000000000000000000000..a5012ac9c6f232da6c5b7dafd9e9985df12b53fe --- /dev/null +++ b/chunks/json/dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":207188,"char_start":205379,"chunk_id":"chk_3e531d78dcf864c2","chunk_index":103,"chunk_sha256":"dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9","token_estimate":452,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.0 Projected Payments\n\n5.1 Payment Calculation\n\nYears 1 – 30\n\n5.2 Principal & Interest\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total\n\nMonthly Payment\n\n5.2.1\n\n5.3.1\n\n5.4.1\n\n5.5.1\n\n$761.78\n\n+\n\n+\n\n0\n\n206.13\n\n$967.91\n\nFigure 62. Mortgage Insurance Not Required\n\nThe data points needed to populate the MI row of the Projected Payments table are shown in the table below.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 79. Does Not Require MI\n\n5.3.1\n\nYears 1-30\nMortgage\nInsurance ($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPayment\nMIPaymentAmount\n\n0.00\n\n5.3\n\nN/A\n\n…/LOAN_DETAIL\n\nMIRequiredIndicat\nor\n\nfalse\n\n▪ ROF as “0”\n▪ Must always be\nincluded in the\nXML file, even if\nthe loan has no\nMI\n\n▪ Not shown –\nindicates\nprovision of “0”\n(zero) in\nProjectedPayme\nntMIPaymentAm\nount\n\n▪ Must always be\nincluded in the\nXML file, even if\nthe loan has no\nMI\n\n5. 4 ESTI MATED ESCROW\n\nThe lender may establish a monthly escrow to collect payments for various property costs. An escrow account\nmay collect amounts to pay: property taxes, required mortgage-related insurance premiums (other than the\nmortgage insurance or related equivalent costs disclosed in 5.3), homeowner’s association, condominium or\ncooperative fees, ground rent or leasehold payments, and special assessments, as applicable.\n\nAppendix E: UCD Implementation Guide\n\nPage 93 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n1. ESCROW ACCOUNT EXI ST S\n\nIf an escrow account exists for the loan, the projected amount of the periodic escrow payment must be shown\nas illustrated in Figure 63. On the Closing Disclosure, the same escrow payment amount is assumed for the life of\nthe loan. Escrow payments are not disclosed as a range.\n"} diff --git a/chunks/json/dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1.json b/chunks/json/dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1.json new file mode 100644 index 0000000000000000000000000000000000000000..85e9cd2b1d9100a1c5186f513b585dd1e406450f --- /dev/null +++ b/chunks/json/dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8678,"char_start":7073,"chunk_id":"chk_b654a676c0c73790","chunk_index":4,"chunk_sha256":"dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc369abd05ecb9dc","text_sha256":"dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Advisory_Bulletins___FHFA_6rseul.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n#### Search & Filter\n\nKeyword\n\nPublished Date Min\n\nMax\n\nPertains To Fannie Mae\n\nFederal Home Loan Banks\n\nFreddie Mac\n\nOffice of Finance\n\nOther\n\n## Search & Filter\n\nKeyword\n\nPublished Date Min\n\nMax\n\nPertains To Fannie Mae\n\nFederal Home Loan Banks\n\nFreddie Mac\n\nOffice of Finance\n\nOther\n\n# Advisory Bulletin\n\n[View Rescinded Advisory Bulletins](/advisory-bulletin/rescinded)\n\n- Federal Home Loan Banks\n"} diff --git a/chunks/json/dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b.json b/chunks/json/dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b.json new file mode 100644 index 0000000000000000000000000000000000000000..7e427fe3fa8ebc48533e0e5be105f1167319cbff --- /dev/null +++ b/chunks/json/dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":152718,"char_start":150919,"chunk_id":"chk_cf03bd07c187a662","chunk_index":86,"chunk_sha256":"dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b","token_estimate":450,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"XML Linking Language\n(XLink)\n\nThe W3C specification that provides methods for creating internal and\nexternal links within XML documents and associating metadata with those\nlinks.\n\nXPath Language\n\nThe XPath language is based on a “tree”-structured hierarchical\nrepresentation of an XML document, providing the ability to navigate around\nthe document.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 68 of 76\n\nSection VIII. Acronyms and Abbreviations\n\nVIII. Acronyms and Abbreviations\n\nAcronym /\nAbbreviation\n2000 Character File\nARM\nAUS\nAVM\nFHFA\nForm 11\nForm 13SF\nGSE\nThe GSEs\nHUD-1\nGSE-specific\n\nLDD\nLoan Delivery Data\nSet\nMAX\nMEG\nMI\nMIN\nMISMO®\nschema\nTILA\nULDD\n\nULDDS\n\nFull Term\n\nFannie Mae’s 2000-Character Loan Delivery File Format\nAdjustable Rate Mortgage\nAutomated Underwriting System\nAutomated Valuation Model\nFederal Housing Finance Agency\nFreddie Mac’s Mortgage Submission Schedule\nFreddie Mac’s Mortgage Submission Voucher\nGovernment Sponsored Enterprise\nFreddie Mac and Fannie Mae\nSettlement Statement, Form HUD-1\nReference to the customized versions of the ULDDS documents issued by each\ninvestor.\nMISMO Logical Data Dictionary\nUniform Loan Delivery Data Specification Appendix A – XML Data\nRequirements\nMaximum number of occurrences allowed\nMISMO Engineering Guideline\nMortgage Insurance Company\nMinimum number of occurrences allowed\nMortgage Industry Standards Maintenance Organization\nXML schema Document\nTruth in Lending Disclosure Statement\nUniform Loan Delivery Dataset—used to refer to GSE-specific implementations\nof the joint dataset; also referred to as the “Loan Delivery Dataset”\nUniform Loan Delivery Data Specification—used to refer to the Joint GSE\nspecification\n"} diff --git a/chunks/json/dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd.json b/chunks/json/dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd.json new file mode 100644 index 0000000000000000000000000000000000000000..e20e1b1e365653ce46378e337bf093f61b7f498a --- /dev/null +++ b/chunks/json/dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":723841,"char_start":722240,"chunk_id":"chk_4a6bc8b5e9babfcb","chunk_index":431,"chunk_sha256":"dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required for\ncooperatives or\ncondops with Project\nBlanket Financing that\nincludes one or more\nlines of credit\n\n26.008 Pro Rata Share\n\nCalculation\nMethod\n\nAllowable\nAnswers / Format\n\nN/A\n\nDrawn or\nMaximum\n\nDefinition / Additional Guidance\n\nIndicates which pro rata share line of credit amount was used in determining\nthe Opinion of Market Value when one or more blanket financing liens is a line\nof credit:\n•\n\nDrawn: Pro Rata Share of Balance Attributable to Unit (Drawn) was used\nin 18.036-18.045-18.054-18.063\n\n• Maximum: Pro Rata Share of Balance Attributable to Unit (Maximum) was\n\nused in 18.036-18.045-18.054-18.063\n\nFor more information, reference the Project Blanket Financing subsection of\nthe Project Information section\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary marketing participants for specific guidance.\n\n26.075 N/A\n\nDisplays when the\nproperty is in a\ncooperative or condop\n\nN/A\n\nThe market value represents the cooperative interest. The cooperative interest\nis the equity portion that is over and above the pro rata share of the blanket\nmortgage(s).\n\nAppendix F-1: URAR Reference Guide\n\nPage 324 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nMarket Value Condition and Final Value Condition S tatement\n\nReconciliation: Market Value Condition and Final Value Condition Statement\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n26.009 Market Value\n\nAlways required\n\nCondition\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Market\nValue Condition)\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5.json b/chunks/json/dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5.json new file mode 100644 index 0000000000000000000000000000000000000000..4d414e531291c9e8fe80390187f0b6e5e096bb0e --- /dev/null +++ b/chunks/json/dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15685,"char_start":13967,"chunk_id":"chk_be55a25ecb418155","chunk_index":8,"chunk_sha256":"dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5","token_estimate":429,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"*Figure 4: NRI and EAL*\n\n![Figure 5: NRI and EAL Populated with Census-Tract Selection](/sites/default/files/2024-09/figure-5-NRI-and-EAL-Populated-with-Census-Tract-Selection.png)\n\n*Figure 5: NRI and EAL Populated with Census-Tract Selection*\n\n- **What information about natural hazard risk does the NRI provide?** - The NRI provides information about the relative risk of a hazard in a particular community. Because the hazard data is scaled to the national level, within a particular hazard the risks can be compared across communities, but it is more difficult to compare within a community across hazard types. For example, the 90th percentile risk of a hurricane will have different expected losses than the 90th percentile risk for a winter storm.\n - **How to select states or counties in the geographic filter area?** - The geographic filter is located in the last square box on the right-hand side of the dashboard (Figure 1, filter box number 3).\n - **To select single or multiple States or Counties** - Open the State or County filter drop-down menu and unselect (All). It nullifies the state/county, and the dashboard's content will disappear. Select State/County one by one, and it will generate the chart and tables for the selected area.\n - **To Select All States or Counties** - Open the State or County filter drop-down menu and select (All). To see all-state results, click \"Reset Button.\"\n - **The map doesn’t move automatically when I select a geographic area in the filter.** - The Tableau map will be fixed when a user pans or zooms in the map. Unfix the map by clicking “Zoom Home” (Figure 6).\n ![Figure 6: How to Unfix the Map](/sites/default/files/2024-09/Figure6-How-to-Unfix-the-Map.png)\n"} diff --git a/chunks/json/dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89.json b/chunks/json/dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89.json new file mode 100644 index 0000000000000000000000000000000000000000..296a2769ecbfb02ce2d85304dae407b561d33a01 --- /dev/null +++ b/chunks/json/dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29787,"char_start":28080,"chunk_id":"chk_53ab89781201a7a7","chunk_index":15,"chunk_sha256":"dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89","token_estimate":427,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"This data field identifies the source of\n\nthe Federal guarantee or insurance of\nthe loan acquired by the Enterprise.\nSince 2001, the Enterprises have been\nreporting loans insured or guaranteed by\nthe Federal Housing Administration,\nDepartment of Veterans Affairs, and\nRural Housing Service using an\nexpanded set of values. To conform to\nHMDA reporting requirements, FHFA\nhas expanded the codes in the single-\nfamily and multifamily Census Tract\nFiles to reflect HMDA’s additional\nFederal loan guarantee or insurance\nsources. (See the expanded codes in the\nsingle-family and multifamily matrices\nin the Appendix.) For single-family\nNational File A, single-family National\nFile B, and the multifamily National\nFile, FHFA has preserved the prior\nPUDB recoding. The description for data\nfield 34 in the multifamily matrix has\nalso been changed from ‘‘Government\nInsurance’’ to ‘‘Federal Guarantee’’ to be\nconsistent with the description in data\nfield 27 of the single-family matrix. A\ntechnical revision has also been made to\nthis data field, as discussed under\nSection IV.E. below.\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00045 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\n41184\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nB. New Data Fields\n\n1. Data Elements Currently Collected\nand Reported But Previously Coded\nDifferently in the PUDB\n\nTo conform to HMDA reporting\nrequirements, FHFA has added the\nfollowing new data fields to the PUDB\nmatrices for data elements that are\ncurrently collected and reported by the\nEnterprises but which had been coded\ndifferently in the PUDB.\n"} diff --git a/chunks/json/dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a.json b/chunks/json/dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a.json new file mode 100644 index 0000000000000000000000000000000000000000..ad2e7d0d536b9c54459ce617a0c7292ceceb647b --- /dev/null +++ b/chunks/json/dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3335,"char_start":1661,"chunk_id":"chk_fa676ba0088fb546","chunk_index":1,"chunk_sha256":"dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"• Option to download the SSR in a new JSON file format. This format is both human-readable and machine-\n\nfriendly, making it ideal for data exchange and integration. It supports seamless interaction with modern RESTful\nAPIs and is available via UCDP Direct Integration.\n\nFeedback on All Property Types\nThe UAD 3.6 SSR aligns with the requirements of UAD 3.6 and with the introduction of the dynamic URAR, which replaces\ntraditional appraisal forms (e.g., the 1004 and 1073), provides a more flexible, data-driven structure. The new report format\nsupports all property types and valuation methods, enabling the SSR to deliver tailored feedback.\n\nAddition of Key Data Points\nIn response to user feedback, the SSR has been enhanced to include critical data elements that enhance transparency and\nsupport decision-making. This includes:\n\n• Fannie Mae Collateral Underwriter® CU Risk Score and Rep & Warrant relief eligibility for URAR submissions to\n\nFannie Mae.\n\n• Freddie Mac Loan Collateral Advisor® LCA Risk Score and Collateral Rep & Warranty relief indicator for URAR\n\nsubmissions to Freddie Mac.\n\nComprehensive Feedback on Errors / Findings\nTo streamline the review process, the UAD 3.6 SSR features a simplified findings structure to help users quickly identify and\nresolve issues. Errors can be clearly referenced by report section and subsection, making it easier to locate and address\nissues.\n\n• System Findings: Ensure the ZIP file and its contents are complete and properly structured.\n\n• UAD Compliance Findings: Verify the XML file complies with the UAD 3.6 specifications.\n\n• GSE Proprietary Findings: Provide feedback based on each GSE’s appraisal requirements.\n"} diff --git a/chunks/json/dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57.json b/chunks/json/dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57.json new file mode 100644 index 0000000000000000000000000000000000000000..ca838e5e232123952f50827f2018f150022fd1da --- /dev/null +++ b/chunks/json/dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11586,"char_start":9966,"chunk_id":"chk_cc62c7880c66df8f","chunk_index":6,"chunk_sha256":"dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"Condition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nMinor cracks to vinyl typical\nfor age.\n\nReported condition is subject\nto repair; see defects table\nand commentary below.\n\nTypical Wear and Tear\n\nWindows same age as house.\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nSump Pump\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nRoof\n\nLocation\nSection of Roof\n\nDescription\nRoof is significantly worn and has damaged\nflashing, but no apparent active leaks.\n\nAffects Soundness or\nStructural Integrity\nYes\n\nRecommended\nAction\nRepair\n\nDwelling Exterior Commentary\n\nCondition Status is reflective of noted repair having been completed.\n\nDwelling Exterior Exhibits\n\nDwelling Front\n\nDwelling Rear\n\nThis is where the Dwelling Front photo would display.\n\nThis is where the Dwelling Rear photo would display.\n\nApparent Defects, Damages, Deficiencies -\nRoof - Damaged Flashing\n\nThis is where the Roof Defect photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 21\nPage 7 of 21\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\nBelow Grade Finish Compared\nto Above\n"} diff --git a/chunks/json/dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d.json b/chunks/json/dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d.json new file mode 100644 index 0000000000000000000000000000000000000000..4a5a0ca2aab78382c265e1f9d8b6c8f65764ea18 --- /dev/null +++ b/chunks/json/dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1186135,"char_start":1184402,"chunk_id":"chk_1b55d3ba8a25662e","chunk_index":704,"chunk_sha256":"dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"2\n\nEnumerated\n\n312\n\n313\n\n314\n\n315\n\n2\n\n2\n\n2\n\n2\n\n73\n\n74\n\n75\n\n76\n\n316\n\n2\n\n77\n\n317\n\n2\n\n78\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition Adjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘Condition’]/@_Amount\n\n10\n\nMoney\n\nAbove Grade Room Count\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘Other’ and\n@_TypeOtherDescription=‘RoomAboveGradeLine1’]/@_Amount\n\n10\n\nMoney\n\nAbove Grade Room Count Total\nRooms\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/RO\nOM_ADJUSTMENT/@TotalRoomCount\n\nAbove Grade Room Count\nBdrms.\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/RO\nOM_ADJUSTMENT/@TotalBedroomCount\n\nAbove Grade Room Count Baths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/RO\nOM_ADJUSTMENT/@TotalBathroomCount\n"} diff --git a/chunks/json/dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61.json b/chunks/json/dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61.json new file mode 100644 index 0000000000000000000000000000000000000000..8cff002e4755e0384d4db7b310298641da3cfb77 --- /dev/null +++ b/chunks/json/dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61.json @@ -0,0 +1 @@ +{"chunk":{"char_end":267147,"char_start":265531,"chunk_id":"chk_cddb34bb7e340f0b","chunk_index":237,"chunk_sha256":"dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0929, FID: 10.056.2) and displays above the image\n\nPage 197\n\nfollowing the FeatureType.\n\no\n\nIn Figure 10 - 15, “Peeling Paint” is an additional caption.\n\nFigure 10 - 15\n\nAdditional Exhibits\n\n• Other images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 10.062.1) = “UnitInteriorExhibit”\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 10.062.2)\n\nUnit Interior – Arcrole Relationships\n\nArcrole relationships establish \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nThere are three arcrole relationships supported in the Unit Interior section.\n\n• DATA_SOURCE to PROPERTY_UNIT_AREA\n• DATA_SOURCE to AccessoryDwellingUnitLegallyRentableIndicator DATA_SOURCE to PROPERTY\n• DEFECT to PROPERTY_UNIT\n\nData source to property unit area\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nProvide the relationship that joins to the applicable instance of PROPERTY_UNIT_AREA (where the ValuationUseType = \"SubjectProperty\")\nto the data source used to determine the area of the unit.\n\nPage 198\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n"} diff --git a/chunks/json/dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753.json b/chunks/json/dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753.json new file mode 100644 index 0000000000000000000000000000000000000000..7c3c2c4a4670a5956c9de8031bbd0158a3e9a1c3 --- /dev/null +++ b/chunks/json/dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753.json @@ -0,0 +1 @@ +{"chunk":{"char_end":577639,"char_start":575514,"chunk_id":"chk_0e2009dca9287415","chunk_index":332,"chunk_sha256":"dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753","token_estimate":532,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"25. 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 of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n\n26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government\nsponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance\ntransaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become\nan intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable)\nshall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this\nappraisal report was prepared.\n"} diff --git a/chunks/json/dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d.json b/chunks/json/dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d.json new file mode 100644 index 0000000000000000000000000000000000000000..c4d2a3cd32972043878bef68ef7033d1e8453b45 --- /dev/null +++ b/chunks/json/dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4850,"char_start":4113,"chunk_id":"chk_656d05831223e323","chunk_index":5,"chunk_sha256":"dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Relationship Between a Related Loan and the Associated Creditor .............................................. 20\n\nRelationship Between an ASSET and the Associated Borrower .................................................. 22\n\nRelationship Between a LIABILITY and the Associated Borrower.............................................. 23\n\nRelationship Between an EXPENSE and the Associated Borrower.............................................. 25\n\nAppendix A: XML Code Sample for Xlink MISMO Arcrole Examples........................................... 27\n\nXML Code Sample .............................................................................................................. 27\n\nData Relationships Using Xlink and MISMO Arcroles\n"} diff --git a/chunks/json/dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5.json b/chunks/json/dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5.json new file mode 100644 index 0000000000000000000000000000000000000000..b5af0a195a31d77ea84d06509a0cf6228f94c2c5 --- /dev/null +++ b/chunks/json/dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":84133,"char_start":82509,"chunk_id":"chk_35685d204699cfd7","chunk_index":47,"chunk_sha256":"dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n1.033\n1.040\n1.048\n1.055\n1.063\n\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n\nReport Label\n\nOrigin of Information by Section\n\nDefinition / Additional Guidance\n\nFeature\n\n•\n•\n•\n•\n\nSite 4.100\nDwelling Exterior 8.056\nOutbuilding 12.020\nUnit Interior 10.056\n\nAs previously entered in the original section:\n•\nExterior Walls and Trim\n•\nFlooring\n•\nFoundation\n• Mechanical System\n•\n• Walls and Ceiling\n• Windows\n•\n\nOther (Describe)\n\nRoof\n\n1.069\n\nFeature\n\n1.075\n\nFeature\n\nLocation\n\nDescription\n\n1.034\n1.041\n1.049\n1.056\n1.064\n1.070\n1.076\n\n1.035\n1.042\n1.050\n1.057\n1.065\n1.071\n1.077\n\nVehicle Storage\n•\n\nVehicle Storage Type 13.005\n\nSubject Property Amenities\n•\n\nAmenity Type 14.009\n\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n\nSite 4.101\nDwelling Exterior 8.057\nOutbuilding 12.021\nUnit Interior 10.057\nVehicle Storage 13.006\nSubject Property Amenities 14.007\n\nSite 4.102\nDwelling Exterior 8.058\nOutbuilding 12.022\nUnit Interior 10.058\nVehicle Storage 13.007\nSubject Property Amenities 14.008\n\nAs previously entered in the original section.\n\nAs previously entered in the original section.\n\nAs previously entered in the original section:\n•\n•\n•\n•\n\nFull Bathroom\nHalf Bathroom\nKitchen\nOther (Describe)\n\nDescription of the defect, damage, or deficiency, as previously entered in\nthe original section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 31 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nReport\nField ID\n\n1.036\n1.043\n1.051\n1.058\n1.066\n1.072\n1.078\n\n1.037\n1.044\n1.052\n1.059\n1.067\n1.073\n1.079\n\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n\nReport Label\n\nOrigin of Information by Section\n"} diff --git a/chunks/json/dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9.json b/chunks/json/dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9.json new file mode 100644 index 0000000000000000000000000000000000000000..3a95ab4fb5ab2658dd8c7b474d24e6b4c81e23cc --- /dev/null +++ b/chunks/json/dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6003,"char_start":4255,"chunk_id":"chk_7f304107edc7d65b","chunk_index":2,"chunk_sha256":"dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf"]},"text":"Any method described in in B3-3.1-07, Verbal Verification of Employment may be used to satisfy the Verbal Verification of\nEmployment requirement in conjunction with validating income using the asset verification report.\n\nLoan Eligibility\n\nTo be eligible for income and employment validation using asset verification reports, loans must meet the following criteria:\n\n•\n\n•\n\nLoan casefile must receive an Approve/Eligible recommendation from DU\n\nLoan casefile must have a debt-to-income ratio less than 45.000%\n\nOpting in to the Capability\n\nIncome and employment validation using asset account data is being offered as an opt-in solution and is intended for lenders\nwho leverage asset verification reports in their loan origination process and who can incorporate the validation achieved within\ntheir loan fulfillment process. In addition to the benefits achieved from digital validation (operational efficiencies), it is important\nfor a lender to consider the following:\n\n• Data Provider Setup: Participating lenders must have entered a contract for the services provided by an\n\nauthorized report supplier or report distributor.\n\n• Data Requirements and Verification of Ownership: Lender must request, from the report supplier, asset\n\nverification reports that contain a minimum of 12-months of account history for at least one borrower identified\nwithin the loan application.\n\n• Regulatory Compliance: Lenders remain responsible for determining what documentation is needed to meet\nthe lender’s obligations under all applicable laws and regulations, including Ability to Repay and the Qualified\nMortgage Rule. As with all loans, we provide no assurance to lenders that the loans meet these requirements, or\nany other obligation under applicable law.\n"} diff --git a/chunks/json/dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9.json b/chunks/json/dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9.json new file mode 100644 index 0000000000000000000000000000000000000000..de10fb925af1754dc3c1b049b5623f4c9a01822b --- /dev/null +++ b/chunks/json/dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4792,"char_start":3250,"chunk_id":"chk_6878d0d8239491d7","chunk_index":2,"chunk_sha256":"dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9","date_utc":"2026-01-27T17:46:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34b0154c2ba22867","text_sha256":"dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9","token_estimate":444,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.pdf/uad-infographic.pdf"]},"text":"Total Bedrooms\n\nList Price\n\nSale Price\n\nTotal Baths - Full | Half\n\nMLS 123456 | Public Record\n.17 Miles N\n$460,000\nSettled Sale\n$460,000\n$0\n\nNet Adjustment Total\n\nAdjusted Price\n\n$8,500\nComparable Weight\n07/22/2019\n08/17/2019\n12\nDetached\nFee Simple\n\n$489,000\nPending\n$489,000\n$5,000\n09/17/2019\n\n12\nDetached\nFee Simple\n\nComparable #2\n\n188 Fallen Oak Ct.\nSmallville VA 12345\n\nComparable #3\n\n210 Cannon Ball Rd.\nSmallville VA 12345\n\n14,950 Sq. Ft.\n\n3,002 Sq. Ft.\n\n0.17 Miles N\n\n17,886 Sq. Ft.\n\n3,260 Sq. Ft.\n\n1,300 Sq. Ft.\nMLS 33A245 | Public Record\n5\n.06 Miles N\n3 | 1\n$449,900\n$489,000\nSettled Sale\n$489,000\n$450,000\n$0\n\n$11,000\n08/05/2019\n09/10/2019\n6\nDetached\nFee Simple\n\n0 Sq. Ft.\nMLS 678A12 | Public Record\n4\n.4 Miles NE\n2 | 1\n$525,000\n$460,000\nSettled Sale\n$460,000\n$520,000\n$23,760\n$0\n\n$483,760\n\nMost\n\n$10,400\n07/02/2019\n08/31/2019\n14\nDetached\nFee Simple\n\n14,950 Sq. Ft.\n\n17,886 Sq. Ft.\n\n$0\n\n13,038 Sq. Ft.\n\n0.06 Miles N\n\n13,038 Sq. Ft.\n\n2,804 Sq. Ft.\n\n1,200 Sq. Ft.\n\n4\n\n2 | 2\n\n$449,900\n\n$450,000\n\n$40,540\n\n$490,540\n\nMost\n\n0.4 Miles NE\n\n16,039 Sq. Ft.\n\n2,816 Sq. Ft.\n\n1,328 Sq. Ft.\n\n4\n\n3 | 1\n\n$525,000\n\n$520,000\n\n$5,400\n\n$525,400\n\nLess\n\nAppraiser Reference ID AA12345\nClient Reference ID 1234567\n\n© 2020 Fannie Mae and Freddie Mac. Trademarks of respective owners.\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction\nof the Federal Housing Finance Agency. Fannie Mae and Freddie Mac Confidential Commercial Information; FOIA Exemption Requested.\n$5,000\n"} diff --git a/chunks/json/dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0.json b/chunks/json/dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0.json new file mode 100644 index 0000000000000000000000000000000000000000..ae7036717399bda9f95f9a0726bbc867e9724000 --- /dev/null +++ b/chunks/json/dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":144746,"char_start":143122,"chunk_id":"chk_9e744e35daecceca","chunk_index":78,"chunk_sha256":"dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"See Seller Credits in Section L\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\n0.00\n\n-2500.00\n\nSellerCredits\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\ntrue\n\n9.036\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n\nSee details in Sections K & L\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n0.00\n\n-1035.00\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\nAdjustmentsAndOtherCredits\n\nIn the following XML snippet, because of their length, certain data points in CASH_TO_CLOSE_ITEM wrap after the provided\nvalue.\n\nFigure 46. XML Snippet - Example of Cash to Close Data for a Purchase.\n\n\n…\n\n \n \n\n\n \n\n\n \n \n\ntrue<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\nSee Total Loan Costs (D) and Total Other Costs (I)<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n8054.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n9712.00\nTotalClosingCosts\n\n\n \n"} diff --git a/chunks/json/dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364.json b/chunks/json/dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364.json new file mode 100644 index 0000000000000000000000000000000000000000..b8355afa4e273c72955721412d3dce70a750eb9b --- /dev/null +++ b/chunks/json/dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32646,"char_start":31037,"chunk_id":"chk_f58b96089babff2d","chunk_index":18,"chunk_sha256":"dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"The person who developed the opinion of value and signed the report.\nNotes:\n•\n\nAll who sign the certification are acting in the capacity of an appraiser, regardless of their level (i.e., Appraiser\nTrainee, Appraiser).\nOnly select this answer when the person is performing the valuation service and signing the report.\nReference the Appraiser Certifications (05.011-05.029).\n\nThe person who performed supervision of the appraisal process and signed the report.\nNotes:\n•\n\nAn appraiser that signs the certification as a Supervisory Appraiser accepts full responsibility for all elements of the\ncertification, for the assignment results, and for the contents of the appraisal report.\nReference the Supervisory Appraiser Certifications (05.031-05.037, 05.048-05.051).\n\n•\n•\n\n•\n\nAssignment Information: Contact Information – Appraiser and Supervisory Appraiser\n\nReport\nField ID\n\n04.011\n04.026\n\nReport Label\n\nWhen to Include\n\nName\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe full name of the appraiser or supervisory appraiser, as it appears on the\nAppraisal Subcommittee website.\nNote: At a minimum, first and last name must be provided.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 17 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nAssignment Information: Contact Information – Appraiser and Supervisory Appraiser\n\nReport\nField ID\n\n04.012\n04.027\n\nReport Label\n\nWhen to Include\n\nDesignation\n\nIf applicable for the\nappraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n"} diff --git a/chunks/json/dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0.json b/chunks/json/dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0.json new file mode 100644 index 0000000000000000000000000000000000000000..5fbff3b26174947882c2a79b3650f0b41794e158 --- /dev/null +++ b/chunks/json/dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20009,"char_start":18368,"chunk_id":"chk_4ba227b25f968f61","chunk_index":10,"chunk_sha256":"dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0","token_estimate":411,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"provides that FHFA publish the PUDB\n\n18 See 59 FR 29514 (June 7, 1994); 60 FR 61846,\n\n62001 (App. F) (Dec. 1, 1995); 61 FR 54322 (Oct.\n17, 1996); 69 FR 59476 (Oct. 4, 2004); FHFA 2010\nOrder, 75 FR at 41189; FHFA Notice of Order, 76\nFR 60031 (Sept. 28, 2011) (FHFA 2011 Order).\n\n19 24 CFR 81.72(b)(3).\n20 12 U.S.C. 4546(d).\n21 12 U.S.C. 2803(j)(2)(B).\n22 CFPB, Disclosure of Loan-Level HMDA Data,\nFinal Policy Guidance, 84 FR 649 (Jan. 31, 2019)\n(CFPB Privacy Guidance); Regulation C, 80 FR at\n66132–66134.\n\n‘‘[s]ubject to privacy considerations, as\ndescribed in section 304(j) of [HMDA],’’\nwhich requires the CFPB to prescribe\ndeletions that are appropriate to protect\nborrowers’ privacy interests. FHFA\ninterprets this provision as authorizing\nFHFA to follow the CFPB’s intended\nprivacy determinations. Where FHFA\ndetermines that privacy or other factors\nin the context of the PUDB call for\ndifferent or more restrictive disclosure\nof HMDA data elements than the CFPB\nPrivacy Guidance, FHFA may\nreasonably make such distinctions.\nAccordingly, FHFA is following the\nCFPB’s intended privacy determinations\nfor the PUDB (with one minor change to\nconform to FHFA’s regulatory definition\nof small multifamily properties).\n\nII. Changes to Enterprise Reporting\nRequirements and PUDB Disclosures\n\nA. HMDA Data Review and New\nReporting Requirements\n\nAs discussed above in Section I.A.,\nFHFA requires the Enterprises to report\nthe HMDA data they collect from loan\nsellers for publication in the PUDB.\nAccordingly, FHFA must periodically\nreview Enterprise data collections to\nascertain whether they contain HMDA\ndata that must be included in the PUDB.\n"} diff --git a/chunks/json/dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18.json b/chunks/json/dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18.json new file mode 100644 index 0000000000000000000000000000000000000000..ca26caf3b7abb9219d96929adc102a66b48a684c --- /dev/null +++ b/chunks/json/dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12104,"char_start":10378,"chunk_id":"chk_08090c96b61c69ee","chunk_index":6,"chunk_sha256":"dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.md"]},"text":"​​Chairman Sherman, Ranking Member Huizenga, and distinguished members of the Subcommittee, thank you for the opportunity to appear at today’s hearing. My name is Dan Coates. I serve as the Senior Associate Director of Risk Analysis and Modeling in the Federal Housing Finance Agency’s (FHFA)...\n - Testimony\n\nSeptember 10, 2019\n\n## [Statement of Dr. Mark A. Calabria, FHFA Director, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-dr.-mark-a.-calabria-fhfa-director-before-the-u.s.-senate-committee-on-banking-housing-0)\n\nTestimony Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs “Housing Finance Reform: Next Steps\" Dr. Mark A. Calabria – Director, Federal Housing Finance Agency Tuesday, September 10, 2019 Chairman Crapo, Ranking Member Brown, and distinguished members of the Committee, thank...\n - Testimony\n\nMay 23, 2018\n\n## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-senate-committee-on-banking-housing-and-1)\n\nStatement of Melvin L. Watt Director, Federal Housing Finance Agency \"Ten Years of Conservatorship: The Status of the Housing Finance System\" Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs May 23, 2018 Chairman Crapo, Ranking Member Brown, and Members of the Committee, thank...\n - Testimony\n\nMay 11, 2017\n\n## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-senate-committee-on-banking-housing-and-0)\n"} diff --git a/chunks/json/dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de.json b/chunks/json/dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de.json new file mode 100644 index 0000000000000000000000000000000000000000..c22ff5f402b646fed0531d0a6805b001a9eec8ec --- /dev/null +++ b/chunks/json/dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1662,"char_start":0,"chunk_id":"chk_1a468625120f56bc","chunk_index":0,"chunk_sha256":"dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de","token_estimate":411,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"S\nU\nB\nJ\nE\nC\nT\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nP\nR\nO\nJ\nE\nC\nT\n\nS\nI\nT\nE\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nUnit #\nCity\nOwner of Public Record\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\nProperty Address\nBorrower\nLegal Description\nAssessor’s Parcel #\nProject Name\nOccupant\nProperty Rights Appraised\nAssignment Type\nLender/Client\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal?\nReport data source(s) used, offering price(s), and date(s).\n\nPhase #\nSpecial Assessments $\n\nTax Year\nMap Reference\n\nR.E. Taxes $\nCensus Tract\n\nPurchase Transaction\n\nRefinance Transaction\n\nState\nCounty\n\nHOA $\n\nOther (describe)\n\nOther (describe)\n\nFee Simple\n\nLeasehold\n\nper year\n\nZip Code\n\nTenant\n\nOwner\n\nAddress\n\nVacant\n\nYes\n\nFile #\n\nNo\n\nper month\n\nI\n did\nperformed.\n\ndid not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\n\nContract Price $\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower?\nIf Yes, report the total dollar amount and describe the items to be paid.\n\nIs the property seller the owner of public record?\n\nNo Data Source(s)\n\nDate of Contract\n\nYes\n\nYes\n\nNo\n\nNote: Race and the racial composition of the neighborhood are not appraisal factors.\n"} diff --git a/chunks/json/dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3.json b/chunks/json/dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3.json new file mode 100644 index 0000000000000000000000000000000000000000..a2cc0b123d276f44d4af4d1e87fe688d81dab9cc --- /dev/null +++ b/chunks/json/dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23820,"char_start":22222,"chunk_id":"chk_e09d665da7c84d06","chunk_index":13,"chunk_sha256":"dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":".PROPERTY\n..STRUCTURE\n...AMENITY\nAmenity Type**\n\nAmenity Type Other Description**\n\nAmenity Exists Indicator**\n\nAmenity Count**\n\nAmenity Detailed Description**\n\n.PROPERTY\n..STRUCTURE\n...CAR_STORAGE\nCar Storage Exists Indicator**\n\nAttachment Type\n\nParking Space Identifier\n\nParking Spaces Count\n\nParking Space Assignment Type\n\n.PROPERTY\n..STRUCTURE\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 11 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\n...CAR_STORAGE\n.…CAR_STORAGE_LOCATION\nCar Storage Location Type**\n\nCar Storage Location Exists Indicator**\n\nParking Spaces Count\n\n.PROPERTY\n..STRUCTURE\n...STRUCTURE_ANALYSIS_EXTENSION\n.…STRUCTURE_ANALYSIS_EXTENSION_SECTION\nExtension Section Organization Name\n…..STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA\n……EFFECTIVE_AGE\nGSE Effective Age Description\n\n.PROPERTY\n..STRUCTURE\n..._UNIT\nFloor Identifier\n\nLevel Count\n\nUnit Identifier\n\n.PROPERTY\n..STRUCTURE\n…OVERALL_CONDITION_RATING_EXTENSION\n....OVERALL_CONDITION_RATING_EXTENSION_SECTION\nExtension Section Organization Name\n.....OVERALL_CONDITION_RATING_EXTENSION_SECTION_DATA\n...…OVERALL_CONDITION_RATING\nGSE Update Last Fifteen Year Indicator\n\n.PROPERTY\n..STRUCTURE\n...CONDITION_DETAIL_EXTENSION\n....CONDITION_DETAIL_EXTENSION_SECTION\nExtension Section Organization Name\n.....CONDITION_DETAIL_EXTENSION_SECTION_DATA\n\nR,T*\n\nR,T*\n\nR,T*\n\nR,T*\n\nR,T*\n\nR,T*\n\nR,T*\n\nR,T*\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n"} diff --git a/chunks/json/dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9.json b/chunks/json/dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9.json new file mode 100644 index 0000000000000000000000000000000000000000..2792ee11194c18eb2a08f4d32870448ea42d89e2 --- /dev/null +++ b/chunks/json/dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1659,"char_start":0,"chunk_id":"chk_bba53a32cad8810a","chunk_index":0,"chunk_sha256":"dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Submission Summary Report (SSR) Guide\nfor UAD 3.6\n\nAugust 2025\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nIntroduction\n\nThe Submission Summary Report (SSR) is a document accessed through the Uniform Collateral Data Portal®\n(UCDP®) that provides a consolidated view of all appraisal report file submissions associated with a loan,\nsubmission status, and rule validation results.\n\nTo support the Uniform Appraisal Dataset (UAD) and Forms Redesign Initiative, which introduced a\nredesigned single, dynamic Uniform Residential Appraisal Report (URAR), the SSR was updated to align with\nthe new flexible URAR format. The UAD 3.6 SSR can be retrieved through UCDP for Fannie Mae and Freddie\nMac (the GSEs) after a submission of a valid UAD 3.6 ZIP file.\n\nEnhancements to the UAD 3.6 SSR\nAdditional SSR File Format Output\nThe UAD 3.6 SSR introduces two enhancements to its output format:\n\n• A comprehensive redesign of the SSR PDF that incorporates color to emphasize submission status and highlight\nkey fields, along with a reorganized layout designed to improve readability. The report also features dynamic fields\nthat appear only when applicable and aligns to the requirements of the UAD 3.6 dataset.\n"} diff --git a/chunks/json/ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee.json b/chunks/json/ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee.json new file mode 100644 index 0000000000000000000000000000000000000000..e2ac4a737858c66628f6287a3c2ca9284432b003 --- /dev/null +++ b/chunks/json/ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":350946,"char_start":349332,"chunk_id":"chk_e2090f4ad1c9f51f","chunk_index":194,"chunk_sha256":"ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"the maximum number of months of regular common\nexpense assessments permitted under the applicable\njurisdiction’s law as of January 14, 2014, may have priority\nover Fannie Mae’s mortgage lien, provided that if the\napplicable jurisdiction’s law as of that date referenced an\nexception for Fannie Mae’s requirements, then no more\nthan six months of regular common expense assessments\nmay have priority over Fannie Mae’s mortgage lien.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 134 of 166\n\nUAD 3.6 Policy\n\nIf the condo or PUD project...\n\nThen...\n\nis located in any other jurisdiction,\n\nno more than six months of regular common expense\nassessments may have priority over Fannie Mae’s\nmortgage lien, even if applicable law provides for a longer\npriority period.\n\nNotwithstanding any provisions to the contrary in the Guide, which do not require the lender to represent or warrant compliance\nwith Fannie Mae project legal document requirements, the condo or PUD project legal documents must evidence compliance\nwith the above priority of common expense assessment requirements.\n\nDelivery Requirements\n\nWhen delivering a loan for a unit located in a project, the lender must provide the Project Type Code and any applicable special\nfeature codes as shown in the following table. The lender must also report all other applicable special feature code(s), including\nthose specified in a variance in the Lender Contract and in the Special Feature Codes document on Fannie Mae's website.\n\nProject Type Code\n\nDescription\n\nE\n\nF\n\nP\n\nQ\n\nR\n\nS\n\nEstablished PUD project\n\nNew PUD project\n\nLimited Review—New condo project\n"} diff --git a/chunks/json/ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e.json b/chunks/json/ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e.json new file mode 100644 index 0000000000000000000000000000000000000000..dda249f43e5abed4e72be99ae0d6c1f7db903dc3 --- /dev/null +++ b/chunks/json/ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":83077,"char_start":81231,"chunk_id":"chk_0c72c4ccd16c6075","chunk_index":44,"chunk_sha256":"ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e","token_estimate":462,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Loan Type: Loan Type is an\n\nunchanged HMDA data element that\nindicates whether the loan was insured\nby the Federal Housing Administration,\nguaranteed by the Department of\nVeterans Affairs, guaranteed by the\nRural Housing Service or the Farm\nService Agency, or Conventional.158 The\ncurrent PUDB Multifamily Census Tract\nFile includes a data element for Federal\n\nacquisition UPB is allocated among the properties\nin the multifamily data collected by the Enterprises.\n\n155 84 FR at 661.\n156 12 CFR 1003.4(a)(8)(i)(A) and (ii).\n157 12 CFR 1003.4(a)(8)(A).\n158 12 CFR 1003.4(a)(2).\n\nGuarantee which conforms with HMDA\nLoan Type. Federal Guarantee will\ncontinue to be disclosed without\nmodification in the PUDB Multifamily\nCensus Tract File, in conformance with\nthe CFPB Privacy Guidance.159\n\nProperty Location: Property Location\n\nis an unchanged HMDA element that\nindicates the State, County, and Census\nTract location of the mortgaged\nproperty.160 These data values are\ncurrently disclosed without\nmodification in the PUDB Multifamily\nCensus Tract File, in conformance with\nthe CFPB Privacy Guidance.161 They\nwill continue to be disclosed in this\nmanner in this File.\n\nType of Purchaser: Type of Purchaser\n\nis a modified HMDA data element that\nindicates the type of purchaser for loans\nsold within the same calendar year as\norigination.162 This includes separate\nvalues for Fannie Mae and Freddie\nMac.163 All Files in the current\nMultifamily PUDB include an\nEnterprise Flag, which is equivalent to\nthe HMDA Type of Purchaser values for\nFannie Mae and Freddie Mac. For\npurposes of the PUDB, the other Type\nof Purchaser values are not relevant\nbecause, by definition, all PUDB loans\nwere purchased by the Enterprises. The\nEnterprise Flag will continue to be\ndisclosed without modification in all\nMultifamily PUDB Files, including the\nCensus Tract File.\n"} diff --git a/chunks/json/ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd.json b/chunks/json/ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd.json new file mode 100644 index 0000000000000000000000000000000000000000..6f2d1e69ec91171655e0003638563b72a248b319 --- /dev/null +++ b/chunks/json/ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16484,"char_start":15550,"chunk_id":"chk_673c6670d55e9d4a","chunk_index":15,"chunk_sha256":"ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd","token_estimate":424,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"4.0(cid:28)(cid:28)\n\nFeature\n4.(cid:20)(cid:19)(cid:19)\n\nLocation\n4.(cid:20)(cid:19)(cid:20)\n\nDescription\n4.(cid:20)(cid:19)(cid:21)\n\nAffects Soundness or\nStructural Integrity\n4.(cid:20)(cid:19)(cid:22)\n\nRecommended\nAction\n4.(cid:20)(cid:19)(cid:23)\n\nSite Valuation Methodology\n\nOpinion of Site Value\n\n4.(cid:20)(cid:19)(cid:24)\n\n#\n4.(cid:20)(cid:19)(cid:26)\n\nAddress\n4.(cid:20)(cid:19)(cid:27)\n\nCounty\n4.(cid:20)(cid:19)(cid:28)\n\nData Source\n4.(cid:20)(cid:20)(cid:19)\n\nReconciliation of Site Value\n\n4.(cid:20)(cid:20)(cid:24)\n\nSite Commentary\n4.(cid:20)(cid:20)(cid:25)\n\nSite Exhibits\n\nPrimary Site Valuation Method\n\n4.(cid:20)(cid:19)(cid:25)\n\nAssessor Parcel\nNumber (APN)\n4.(cid:20)(cid:20)(cid:20)\n\nSite Size\n4.(cid:20)(cid:20)(cid:21)\n\nSale Date\n4.(cid:20)(cid:20)(cid:22)\n\nPrice\n4.(cid:20)(cid:20)(cid:23)\n\n4.(cid:20)(cid:20)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:23)(cid:17)(cid:20)(cid:20)(cid:26)(cid:17)(cid:21)\n"} diff --git a/chunks/json/ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691.json b/chunks/json/ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691.json new file mode 100644 index 0000000000000000000000000000000000000000..17196a14f0ff95d1a7b302edf0d2339a18fe4998 --- /dev/null +++ b/chunks/json/ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16973,"char_start":15687,"chunk_id":"chk_9e7c2584e8f1e904","chunk_index":9,"chunk_sha256":"ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"## [Retired Loss Mitigation Solutions](/programs/retired-loss-mitigation-solutions)\n\n*Page Last Updated: November 1, ​2023​​​​​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36.json b/chunks/json/ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36.json new file mode 100644 index 0000000000000000000000000000000000000000..e61fc842a25c112055c008679bf269d5733e353e --- /dev/null +++ b/chunks/json/ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36.json @@ -0,0 +1 @@ +{"chunk":{"char_end":256217,"char_start":254603,"chunk_id":"chk_5e7ad6308b26ef38","chunk_index":148,"chunk_sha256":"ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 16 of 18\nPage 16 of 18\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4.json b/chunks/json/ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4.json new file mode 100644 index 0000000000000000000000000000000000000000..beb346b701a2a1d911228d4829b984e7b981e134 --- /dev/null +++ b/chunks/json/ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15401,"char_start":13826,"chunk_id":"chk_054d2443081a4603","chunk_index":7,"chunk_sha256":"ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"(i) American Indian or Alaskan Native - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of North and South America (including Central America), and who maintains Tribal affiliation or community attachment;\n\n(ii) Asian - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam;\n\n(iii) Black or African American - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the black racial groups of Africa;\n\n(iv) Hispanic or Latino - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin, regardless of race; and\n"} diff --git a/chunks/json/dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c.json b/chunks/json/dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c.json new file mode 100644 index 0000000000000000000000000000000000000000..af4dd9b4ff87513e1d1378f9d884179118180fd5 --- /dev/null +++ b/chunks/json/dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10376,"char_start":8579,"chunk_id":"chk_4b50e6ee979c24e5","chunk_index":5,"chunk_sha256":"dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"### Introduction\n\nThe Enterprise Public Use Database (PUDB) is released annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ single-family and multifamily mortgage acquisitions. The datasets supply mortgage lenders, planners, researchers, policymakers, and housing advocates with information concerning the flow of mortgage credit in America’s neighborhoods.\n\n### Description\n\n**Single-Family**: The Enterprise PUDB single-family datasets include loan-level records that include data elements on the income, race, and sex of each borrower as well as the census tract location of the property, loan-to-value (LTV) ratio, age of mortgage note, and affordability of the mortgage.\n\nBeginning with data for mortgages acquired in 2018, FHFA ordered that the Enterprise PUDB be expanded to include additional data that is the same as the data definitions used by the regulations implementing the Home Mortgage Disclosure Act, as required by 12 U.S.C. 4543(a)(2) and 4546(d)(1). New since the 2018 PUDB are the inclusion of the borrower’s debt-to-income (DTI) ratio and detailed LTV ratio data at the census tract level.\n\n**Multifamily**: The Enterprise PUDB multifamily property-level datasets include information on the unpaid principal balance and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class files also include information on the number and affordability of the units in the property.\n\nBoth the single-family and multifamily datasets include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. New since the 2018 PUDB is the inclusion of property size data at the census tract level.\n"} diff --git a/chunks/json/ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb.json b/chunks/json/ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb.json new file mode 100644 index 0000000000000000000000000000000000000000..1c283f4b503711c81f9afa12b3f7e60a72c281ec --- /dev/null +++ b/chunks/json/ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":172798,"char_start":171144,"chunk_id":"chk_86927b2dae16e1e0","chunk_index":82,"chunk_sha256":"ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.3.3\n(3) |\n19.3\n\n4.3.2\n\nTable 65. AP Table Reference\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\n• See AP Table on\npage 4 for details\n\n…/AMORTIZATION_\nRULE\n\nAmortizationType\n\nGraduatedPayment\n\nCan this amount\nincrease…?\n\n…/LOAN_DETAIL\n\nPaymentIncreaseIn\ndicator\n\ntrue\n\nRepresented as\n“See AP Table on\npage 4 for details”\nin Loan Terms table\n\nRepresented as\n“YES” on form\n\n4. 4 PREPAYMENT PENALTY\n\nThe Loan Terms table includes a statement about whether the loan includes a prepayment penalty feature. The\nRegulation defines a prepayment penalty as a charge for paying all or part of a transaction’s principal before the\n\nAppendix E: UCD Implementation Guide\n\nPage 75 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\ndate on which the principal is due. No dollar amount is necessary, but the maximum penalty and prepayment\nterm must be provided.\n\n4. 4. 2 DOES THE LOAN HAVE T HESE FEATURES?\n\nThe first column in the Loan Terms table to be completed indicates whether the loan has a prepayment penalty.\n\na. NO—LOAN DOES NOT HAV E A PREPAYMENT PENAL TY\n\nIf the loan does not have a prepayment penalty, it is reflected on the form as illustrated in the figure below,\nbased on the data point shown in the following excerpt.\n\n4.0 Loan Terms\n\n4.3 Monthly Principal & Interest\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.4 Prepayment Penalty\n\n4.5 Balloon Payment\n\n4.3.1 $761.78\n\n4.3.2 NO\n\n4.3.3\n\nDoes the loan have these features?\n4.4.2 NO\n\n4.4.3\n\n4.5.2 NO\n\n4.4.3\n\nFigure 48. Loan Does Not Have Prepayment Penalty\n\nTable 66. Loan Does Not Have Prepayment Penalty Feature\n"} diff --git a/chunks/json/de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c.json b/chunks/json/de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c.json new file mode 100644 index 0000000000000000000000000000000000000000..a453c2a79daedd30646703ba52585b39ff0ebe5a --- /dev/null +++ b/chunks/json/de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":159190,"char_start":157565,"chunk_id":"chk_7a67f46a9e3dfde6","chunk_index":172,"chunk_sha256":"de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 100\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nAssignment Information: Contact Information – Property Data Report\n\nPage 101\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\n2.053\n\nName\n\n1000.0186\n\nFirstName\n\n1000.0188\n\nMiddleName\n\n1000.0187\n\nLastName\n\n1000.0189\n\nSuffixName\n\n2.054\n\n2.055\n\nOccupation\n\n1000.0195\n\nPrimaryOccupationType\n\nCompany Name\n\n1000.0190\n\nFullName\n\n2.056\n\nCompany Address\n\n1000.0191\n\nAddressLineText\n\n1000.0192\n\nCityName\n\n1000.0194\n\nStateCode\n\n1000.0193\n\nPostalCode\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0300, FID: Not on report) =\n“PropertyDataCollector” and PropertyDataIdentifier UID:\n1000.0043, UID: 2.005) = “true” …\n\nDisplay when provided\n\nDisplay when provided\n\nDisplay when provided\n\nDisplay when provided\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n2.057\n\nReference ID\n\n2400.0088\n\nInspectorFileIdentifier\n\nDisplay when provided\n\nSubject Property Inspection\n\n2.058\n\n2.059\n\n2.060\n\nExterior\n\nInterior\n\n1000.0132\n\nPropertyExteriorInspectionMethodType\n\n1000.0133\n\nPropertyInteriorInspectionMethodType\n\nInspection Date\n\n1000.0119\n\nInspectionDate\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nProperty Data Collector\n\nPage 102\n\nAssignment Information and Scope of Work Commentary\n\nThe Assignment Information and Scope of Work Commentary subsection displays only when comments are provided. Any commentary\nmust use ValuationCommentText (UID: 0100.0044, FID: 2.061) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: 2.061) =\n“Assignment”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n"} diff --git a/chunks/json/de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248.json b/chunks/json/de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248.json new file mode 100644 index 0000000000000000000000000000000000000000..2485676bad292ff35b79a3d810d3b37122b7e7b3 --- /dev/null +++ b/chunks/json/de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21871,"char_start":20398,"chunk_id":"chk_c611a31b8194b9c7","chunk_index":12,"chunk_sha256":"de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"- [2022-2024 All Rural Tracts Map](/data/dashboard/dts/all-rural-tracts-map/2023)\n\n- ## High-Needs Counties Interactive Map\n\nThe Duty to Serve High-Needs Counties Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serv High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of \"rural area\" to include all \"colonia census tracts\" that would not otherwise satisfy the definition.\n\n- [2023 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2023)\n - [2022 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2022)\n - [2021 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2021)\n - [2020 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2020)\n - [2018 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2018)\n\n- ## High-Needs Counties with Colonias Tracts Map\n\n- [2023 High-Needs Counties with Colonias Tracts Map](/data/dashboards/dts/high-needs-counties-map-with-colonias-tracts/2023)\n\n*Page Last Updated: 3/21/2025​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​*\n"} diff --git a/chunks/json/de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb.json b/chunks/json/de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb.json new file mode 100644 index 0000000000000000000000000000000000000000..3efed261f1616104169085dc788372e4fe7a00d0 --- /dev/null +++ b/chunks/json/de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16984,"char_start":14380,"chunk_id":"chk_be7a3ccc9520730b","chunk_index":7,"chunk_sha256":"de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_548d208d915f8a07","text_sha256":"de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Underserved_Areas_Data___FHFA_vt5vr.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/16931\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1.json b/chunks/json/de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1.json new file mode 100644 index 0000000000000000000000000000000000000000..78631a430b5d4e0b749c107cac6b2bc1cca3e6bd --- /dev/null +++ b/chunks/json/de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":705465,"char_start":703850,"chunk_id":"chk_987036ab01dd9b19","chunk_index":420,"chunk_sha256":"de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dollar amount\n\nDollar amount\n\nOutbuilding External Depreciation Amount\nCalculated: Outbuilding External Depreciation Percent x sum of all the Area\nType Costs for the outbuilding.\n\nTotal Depreciation for Outbuilding: The lump sum accumulated monetary loss\nin value for the reproduction or replacement cost of the outbuilding from all\ncauses of depreciation.\n\nAppendix F-1: URAR Reference Guide\n\nPage 316 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nManufactured Home Delivery, Installation and Setup for the Outbuilding\n\nCost Approach – Manufactured Home Delivery, Installation and Setup (Outbuilding)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.028 Manufactured\nHome Delivery,\nInstallation, and\nSetup\n\nRequired if\nOutbuilding Type is\nManufactured Home\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nThe total amount associated with the delivery, installation and setup costs for a\nmanufactured home. If the specific amount is unavailable from the invoice,\nprovide a reasonable estimate, and explain in Cost Approach Commentary.\n\nEstimated Outbuilding Cost (Total)\n\nCost Approach – Total Depreciated Cost (Outbuilding)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.036 Total\n\nRequired for each\noutbuilding\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nEstimated Outbuilding Cost: The estimated cost of the outbuilding, including all\ncosts to replace or reproduce the dwelling, the applicable depreciation, and any\napplicable delivery, installation, and setup fee.\n\nCalculated for the outbuilding:\n•\nAdd the following:\n"} diff --git a/chunks/json/de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a.json b/chunks/json/de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a.json new file mode 100644 index 0000000000000000000000000000000000000000..7e415f07fe11adcd45983f03e6f53b7221460503 --- /dev/null +++ b/chunks/json/de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11621,"char_start":9969,"chunk_id":"chk_6136a2076e7e473b","chunk_index":6,"chunk_sha256":"de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a","token_estimate":413,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Condition Status\nTypical Wear and Tear\n\nCondition Comment\nEvidence of possible termite\ninfestation.\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nMinimal wear and tear with\nlimited physical depreciation.\n\nSemi-custom\n\nTypical Wear and Tear\n\nMinimal wear and tear with\nlimited physical depreciation.\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nExterior Walls and Trim\n\nLocation\n\nDescription\n\nLower right corner of\nrear wall\n\nPossible termite infestation\n\nMechanical System\n\nBelow grade area\n\nThe hot water heater is not operational. No\nhot water.\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nNo\n\nNo\n\nInspection\n\nRepair\n\nDwelling Exterior Commentary\n\nThe subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear\nand tear.\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n3,308 Sq. Ft.\n0 Sq. Ft.\n720 Sq. Ft.\n72 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nPartially Below Grade\nInterior and Exterior Access\nWalk Out\n\nLevel 1\n\nAbove Grade\n\nLevel 2\n\nLevel 3\n\nAbove Grade\n\nAbove Grade\n\nFinish\nFinished\n\nUnfinished\n\nFinished\n\nFinished\n\nFinished\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n"} diff --git a/chunks/json/de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b.json b/chunks/json/de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b.json new file mode 100644 index 0000000000000000000000000000000000000000..2ac76781d63dbaba11b7e2c5d478087faa7c30b0 --- /dev/null +++ b/chunks/json/de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":259231,"char_start":257631,"chunk_id":"chk_75f0eca1dd50a764","chunk_index":151,"chunk_sha256":"de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"2\n\n2\n\n5\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Bedrooms Only\n\nPDF Display Format:\nWhole numbers only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Bathroom Only\n\nNumeric\n\nNumeric\n\nNumeric\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nThe sum of this field 2-78 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nCR\n\nCR\n\n334\n\n2\n\n79\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount\nGross Living Area Sq.Ft.\n\nSale Price\nAdjustment\nDescription\n\n335\n\n2\n\n80\n\nSALES\nCOMPARISON\nAPPROACH\n\nGross Living Area Sq.Ft.\nAdjustment\n\nSale Price\nAdjustment Amount\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Gro\nssLivingArea']/@_Description\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n"} diff --git a/chunks/json/de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467.json b/chunks/json/de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467.json new file mode 100644 index 0000000000000000000000000000000000000000..23f253937d35cdfe744d7915e258f5df0470a848 --- /dev/null +++ b/chunks/json/de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62404,"char_start":60802,"chunk_id":"chk_94ccf337b081e3c6","chunk_index":40,"chunk_sha256":"de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"L1. Property and Loan Information\n\nThe Lender will need to provide certain details regarding the loan transaction. These details can include\ninformation around the subject property or borrower residing in a Community Property State, items\nrelated to a Construction Loan, Refinance Type and Program, information on Energy Improvements, and\nthe associated Project Type for the subject property.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n28\n\nWhen a UAD 3.6 Uniform Residential Appraisal Report has single or multiple construction method\ntypes associated with the dwelling, follow the guidance in the tables below:\n\nSingle Construction Method Type\n\nValue Reported in UAD\n\nReport This value in\n\nDU\n\nUCD\n\nULDD\n\nManufactured\n\nManufactured Manufactured\n\nManufactured\n\nOnFrameModular\n\nSiteBuilt\n\nSiteBuilt\n\nModular\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nContainer\n\nSiteBuilt\n\nContainer\n\nContainer\n\nThreeDimensionalPrintin\ngTechnology\n\nSiteBuilt\n\nThreeDimensionalPrintingTe\nchnology\n\nThreeDimensionalPrintingTec\nhnology\n\nMultiple Construction Method Type\n\nValues Reported in UAD\n\nReport This Value in\n\nDU\n\nUCD\n\nULDD\n\nManufactured And SiteBuilt\n\nManufactured\n\nManufactured\n\nManufactured\n\nManufactured And OnFrameModular Manufactured\n\nManufactured\n\nManufactured\n\nManufactured And Modular\n\nManufactured\n\nManufactured\n\nManufactured\n\nManufactured And Container\n\nManufactured\n\nManufactured\n\nManufactured\n\nManufactured And\nThreeDimensionalPrintingTechnology\n\nManufactured\n\nManufactured\n\nManufactured\n\nSiteBuilt And OnFrameModular\n\nSiteBuilt\n"} diff --git a/chunks/json/de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d.json b/chunks/json/de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d.json new file mode 100644 index 0000000000000000000000000000000000000000..17776a529a218192258cd9bc20bee5136cecd1c5 --- /dev/null +++ b/chunks/json/de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":212,"char_start":0,"chunk_id":"chk_aa4f26337615c8e6","chunk_index":0,"chunk_sha256":"de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8034e4e632c21a59","text_sha256":"de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d","token_estimate":73,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Guide_Home_2jvbi6.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://guide.freddiemac.com/app/guide/bulletin/2025-7\"\ndate_accessed: \"2026-01-27T17:46:11.015Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-KZFS9PD]*\n"} diff --git a/chunks/json/de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86.json b/chunks/json/de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86.json new file mode 100644 index 0000000000000000000000000000000000000000..e80f21fa6bf0eec52882fe67c2af4460e1adf83b --- /dev/null +++ b/chunks/json/de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10242,"char_start":8499,"chunk_id":"chk_565923152de04342","chunk_index":5,"chunk_sha256":"de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86","token_estimate":436,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"05.020\n\n9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file.\n\n05.021\n\n10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable\ncondition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the\nsoundness or structural integrity of the property.\n\nUpdate Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nRestricted Appraisal Update Report\n\nHF.001\n\nPage [Page] of [Pages]\n\n10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable\ncondition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or\nstructural integrity of the property.\n\n10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of\nthe improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known\nphysical deficiencies that could affect the soundness or structural integrity of the property.\n\n05.022\n\n11. 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"} diff --git a/chunks/json/de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626.json b/chunks/json/de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626.json new file mode 100644 index 0000000000000000000000000000000000000000..33b4344b24fe5671a7627099987c0c8a266785a4 --- /dev/null +++ b/chunks/json/de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626.json @@ -0,0 +1 @@ +{"chunk":{"char_end":629066,"char_start":627455,"chunk_id":"chk_20802727e8159148","chunk_index":374,"chunk_sha256":"de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n22.15.15\n\nIndicated Value Always required\n\nDollar amount\n\nDefinition / Additional Guidance\n\nThe indicated value of the subject property as determined by the Sales\nComparison Approach method of property valuation.\n\nReconciliation of Sales Comparison Approach\n\nSales Comparison Approach – Reconciliation of Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n22.16.01 Reconciliation\n\nAlways required\n\nFree-form\n\nof Sales\nComparison\nApproach\n\nDefinition / Additional Guidance\n\nReport additional details and analysis to support conclusions, including how\nComparable Weight was determined.\n\nNote: Overall reconciliation of value is reported in the Reconciliation section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 276 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nAdditional Properties Analyzed Not Used\n\nThe Additional Properties Analyzed Not Used subsection displays when relevant:\n•\n• As part of any reconsideration process\n\nInitially, for the appraiser to provide additional context, or\n\nNote: Do not include land sales here. When relevant, these are reported in the Site Valuation Methodology subsection of Site (4.105-4.115), or in\nCost Approach (25.040-25.050).\n\nSales Comparison Approach – Additional Properties Analyzed Not Used\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n22.17.01 #\n\n22.17.02 Property\nAddress\n\nRequired for each\nadditional property\n\nRequired for each\nadditional property\n\n22.17.03 Sale Date\n"} diff --git a/chunks/json/de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157.json b/chunks/json/de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157.json new file mode 100644 index 0000000000000000000000000000000000000000..1f0917fd1b17c2f5aa936969cf4e7bfb6f546cf1 --- /dev/null +++ b/chunks/json/de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157.json @@ -0,0 +1 @@ +{"chunk":{"char_end":52383,"char_start":51778,"chunk_id":"chk_44694cf88eb651fe","chunk_index":54,"chunk_sha256":"de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157","token_estimate":405,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:12)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:13)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:14)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:15)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:3)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:5)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:7)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:8)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:9)(cid:24)\n"} diff --git a/chunks/json/de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2.json b/chunks/json/de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2.json new file mode 100644 index 0000000000000000000000000000000000000000..b652ee7468469fbf03d02b570d3c3c24f52abce1 --- /dev/null +++ b/chunks/json/de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":78312,"char_start":76707,"chunk_id":"chk_63ef85effdb71141","chunk_index":124,"chunk_sha256":"de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"property and assignment types.\n\nThe updated UAD will help the appraiser more accurately report the characteristics of the subject property and comparables, be more\nscalable and flexible than the legacy forms, help appraisers comply with the Uniform Standards of Professional Appraisal Practice (USPAP),\nand better define the Scope of Work.\n\nIn addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is outdated and no longer\nsupported by MISMO. As part of this update, the UAD will conform to the latest MISMO Reference Model (3.6).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 22\n\nOverview\n\nThe primary purpose of the Implementation Guide (iGuide) is to provide designers of the new Uniform Residential Appraisal Report (URAR)\nwith an understanding of the MISMO version 3.6 Reference Model (MISMO v3.6) and how the data will be displayed in a dynamic PDF\ndocument that will replace the following appraisal report forms:\n\nLegacy Appraisal Form Name\n\nFannie Mae Form\n\nFreddie Mac\nForm\n\nUniform Residential Appraisal Report\n\nUniform Residential Appraisal Report (Desktop)\n\nUniform Residential Appraisal Report (Hybrid)\n\nIndividual Condominium Unit Appraisal Report\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report\n\nExterior-Only Inspection Residential Appraisal Report\n\nManufactured Home Appraisal Report\n\nIndividual Cooperative Interest Appraisal Report\n\nExterior-Only Individual Cooperative Interest Appraisal Report\n"} diff --git a/chunks/json/dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496.json b/chunks/json/dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496.json new file mode 100644 index 0000000000000000000000000000000000000000..a0a6e5886310c364979af06a73fad736dc136dcd --- /dev/null +++ b/chunks/json/dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496.json @@ -0,0 +1 @@ +{"chunk":{"char_end":875873,"char_start":874272,"chunk_id":"chk_ac9a6921b3ab2b4e","chunk_index":520,"chunk_sha256":"dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='FloorLocation']/@_Description\n\n20\n\n20\n\n20\n\n20\n\n20\n\n20\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a location factor not on the list materially affects the value of the property, the\nappraiser must select 'Other' and enter a description of the location associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nThis field must indicate the HOA assessment and must be consistent with the HOA fee\nin field 1-26.\n\nString\n\nThis field should indicate the common elements in the subject project.\n\nString\n\nThis field should indicate the recreational facilities in the subject project.\n\nString\n\nThis field should indicate the floor on which the unit is located.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nThis field is required if the value of field e-\n15 (GSE Location Type) is 'Other'.\n\nCR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 152 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"} diff --git a/chunks/json/deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f.json b/chunks/json/deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f.json new file mode 100644 index 0000000000000000000000000000000000000000..805b316de32d49f6d10afc1e66b8120beea712e8 --- /dev/null +++ b/chunks/json/deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":157493,"char_start":155872,"chunk_id":"chk_97e7092a08630b43","chunk_index":91,"chunk_sha256":"deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Site Influence: Specifies an influence on the property.\n\nNote: Photos or images for each site influence may be provided, which display\nin Site Exhibits with the caption “Site Influence”. An additional caption must be\nprovided, including the site influence type and any other descriptive\ninformation as appropriate.\n\n4.030\n\nSite Influence\nCommentary\n\nIf relevant\n\nFree-form\n\nOverall commentary for all site influences.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nSite Influence (Choose all that apply)\n\nAgricultural\n\nAirport\n\nBody of Water\n\nBusy Roadway\n\nA designated area where aircraft take off and land.\nNote: Airport influences can extend to flight paths where landing and take-off patterns may create higher noise levels.\nChoose this answer when reporting on these types of influences.\n\nChoose this answer if there are one or more bodies of water that influence the site.\nNote: If applicable, see also the Water Frontage with Private Access subsection (4.031-4.038).\n\nAppendix F-1: URAR Reference Guide\n\nPage 61 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nCommercial Area\n\nAn area intended to produce income (e.g., office buildings, retail buildings, hospitality).\n\nSite Influence (Choose all that apply)\n\nGolf Course\n\nGreen Space\n\nAn area of protected or conserved land or water on which development is indefinitely set aside.\n\nHigh Density Residential\n\nA densely populated residential area.\n\nHigh Pressure Gas Line\n\nA distribution system with lines in which the gas pressure in the main is higher than the pressure provided to the\ncustomer.\n"} diff --git a/chunks/json/deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1.json b/chunks/json/deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1.json new file mode 100644 index 0000000000000000000000000000000000000000..92be2b4d8e20a5676cab7f45fec134913994a376 --- /dev/null +++ b/chunks/json/deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26872,"char_start":25155,"chunk_id":"chk_b5374cb80a2baf77","chunk_index":14,"chunk_sha256":"deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1","token_estimate":429,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"[[2]]() The National Survey of Mortgage Originations was originally called the National Survey of Mortgage Borrowers. The name of the survey was changed to avoid confusion with the American Survey of Mortgage Borrowers, effective May 9, 2016.\n\n[[3]]() The American Survey of Mortgage Borrowers was originally called the National Survey of Existing Mortgage Borrowers. The name of the survey was changed to avoid confusion with the National Survey of Mortgage Originations, effective March 24, 2016.\n\n[[4]]() FHFA interprets the NMDB program as a whole, including the NSMO, as the “survey” required by the Safety and Soundness Act. The statutory requirement is for a monthly survey. Core inputs to the NMDB, such as a regular refresh of credit-bureau data, occur monthly, though the NSMO is conducted quarterly.​​​​​​\n\n*Pag​e last updated: December 30, 2025*\n\n- **Press Release**\n\n[FHFA Releases NMDB Residential Mortgage Dashboard](/news/news-release/fhfa-releases-nmdbr-residential-mortgage-dashboard) (9/27/2024)\n\n[FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics](/news/news-release/fhfa-releases-data-visualization-dashboard-for-nmdb-outstanding-residential-mortgage-statistics) (7/2/2024)\n\n[F​HFA and CFPB​ Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (12/13/2022)\n\n[​F​HFA and CFPB​ Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (7/29/2021)\n"} diff --git a/chunks/json/debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8.json b/chunks/json/debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8.json new file mode 100644 index 0000000000000000000000000000000000000000..c2e3fe6960e8685cd02a9ec96ce85f805e0b35bd --- /dev/null +++ b/chunks/json/debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1813,"char_start":0,"chunk_id":"chk_061ff41219da262e","chunk_index":0,"chunk_sha256":"debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7159e29d665e98fe","text_sha256":"debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uniform-appraisal-dataset-faqs-servicers.pdf"]},"text":"Uniform Appraisal Dataset FAQs for Servicers\n\nBeginning in 2026, the new Uniform Appraisal Dataset (UAD) 3.6 appraisal format will be used to fulfill some servicing valuation\nrequests through Servicing Management Default Underwriter™ (SMDU™). Although the appraisal report will look different, the\nvaluation data and format returned to servicers will remain the same. Fannie Mae is preparing to adopt the Uniform Appraisal\nDataset (UAD) 3.6 appraisal format as part of an industry-wide update.\n\nYou may be wondering:\n\nDo I need to prepare for the move from UAD 2.6 to UAD 3.6 for valuation requests submitted via\nSMDU?\n\nJul 9, 2025\n\nNo immediate action is required. Fannie Mae uses a variety of valuation products to fulfill requests submitted through SMDU\n(e.g., Short Sales, MI Termination). To ensure consistency, all valuation data returned to servicers via SMDU will continue to be\ndelivered in the existing format, regardless of the underlying valuation product used.\n\nHowever, the UAD 3.6 appraisal PDF will look different from legacy formats. Servicers are encouraged to become familiar with\nthe new Uniform Residential Appraisal Report (URAR) layout to better understand the updated presentation.\n\nWhen will servicers begin seeing UAD 3.6 appraisal reports used for SMDU valuation requests?\n\nWhile the broader industry will begin a limited release of UAD 3.6 appraisal reports in September 2025, Fannie Mae will not use\nUAD 3.6 appraisals to fulfill servicing valuation requests through SMDU until 2026. Initially, UAD 3.6 appraisals will be used\ninternally (e.g., for REO purposes) as part of a phased rollout before expanding to SMDU requests. A future announcement will\nclarify which SMDU servicing valuation requests will utilize UAD 3.6 appraisal reports, along with the timeline for implementation.\n"} diff --git a/chunks/json/debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8.json b/chunks/json/debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8.json new file mode 100644 index 0000000000000000000000000000000000000000..a19e11046039cc31e7eeacf5356665c62ce438b1 --- /dev/null +++ b/chunks/json/debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":67039,"char_start":65407,"chunk_id":"chk_2e746e6bf39f2dae","chunk_index":32,"chunk_sha256":"debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"300000.00\n\nDo not provide this data point unless\nConstructionMethodType = “Other”\n\nMutually exclusive with\nPropertyValuationAmount.\n\nAs shown above in Table 9, UCD v2.0 includes two new data points in PROPERTY_DETAIL describing how the subject\nproperty was built: ConstructionMethodType and ConstructionMethodTypeOtherDescription. Their enumerations align with\nthose added to the Uniform Loan Delivery Dataset (ULDD) in support of the updated Uniform Appraisal Dataset (UAD). The\ntype of construction will be used to support QM calculations.\n\nFigure 13. XML File Snippet-Estimated Property Value and ConstructionMethodType.\n\n\n…\n \n\n\n \n\n\n \n\nOther\n Container\n < PropertyEstimatedValueAmount>300000.00\n\n\n \n\n\n \n\n…\n\n\nii. Appraised Value\n\nWhen an appraisal is used to value the property for a refinance, and the appraisal was submitted to the GSEs’ Uniform\nCollateral Dataset Portal (UCDP), the portal will assign the appraisal a 10-digit “Doc File ID”. This ID is the value to provide for\nAppraisal Identifier. If the appraisal was not submitted to UCDP, do not deliver AppraisalIdentifier.\n\nUCD v2.0 Implementation Guide\n\n- 22 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 10. UCD v2.0 Spec Excerpt Appraised Value and UCDP Doc File ID Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n"} diff --git a/chunks/json/dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4.json b/chunks/json/dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4.json new file mode 100644 index 0000000000000000000000000000000000000000..4acbcdae9627072ee0baeaf870e914158740c2cf --- /dev/null +++ b/chunks/json/dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32893023,"char_start":0,"chunk_id":"chk_06db92f268edc857","chunk_index":0,"chunk_sha256":"dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4","date_utc":"2026-01-27T18:13:00+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_6909d6e55df5969d","text_sha256":"dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_nfu/2024_PUDB_MF_NFU/2024_pudb_mf_nfu_fhlmc.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 3.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 2.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_un\n"} diff --git a/chunks/json/deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656.json b/chunks/json/deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656.json new file mode 100644 index 0000000000000000000000000000000000000000..a4bf955337268cab045a48e60c0d35a5990b9e8a --- /dev/null +++ b/chunks/json/deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656.json @@ -0,0 +1 @@ +{"chunk":{"char_end":325186,"char_start":322809,"chunk_id":"chk_fbfed7907601433f","chunk_index":190,"chunk_sha256":"deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656","token_estimate":595,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of phases\n\nDevelopment Stage\nTotal Phases Count\n\nNumber of phases that exist in the\nproject.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/DEVELOPMENT_STAGE/@_TotalPhas\nesCount\n\n10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of units\n\nCompleted Units\nCount\n\nTotal number of completed living\nunits.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/DEVELOPMENT_STAGE/@Completed\nUnitsCount\n\n10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of units\nsold\n\nUnits Sold Count\n\nTotal number of living units sold.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/DEVELOPMENT_STAGE/@UnitsSoldC\nount\n\n10\n\nNumeric\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nIf field 1-24 (Project Classification Type) is\nindicated, then one and only one of fields 3-42,\n3-43 (values of Project Developer Controls\nProject Management Indicator) must be\nindicated.\nIf field 1-24 (Project Classification Type) is\nindicated, then one and only one of fields 3-42,\n3-43 (values of Project Developer Controls\nProject Management Indicator) must be\nindicated.\nIf field 1-24 (Project Classification Type) is\nindicated, at least one of fields 3-44, 3-45\n(values of Project Design Type) should be\nindicated.\nIf field 1-24 (Project Classification Type) is\nindicated, at least one of fields 3-44, 3-45\n(values of Project Design Type) should be\nindicated.\nIf field 1-24 (Project Classification Type) is\nindicated, at least one of fields 3-44, 3-45\n(values of Project Design Type) should be\nindicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\n"} diff --git a/chunks/json/ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e.json b/chunks/json/ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e.json new file mode 100644 index 0000000000000000000000000000000000000000..21480c777ceab83c496eb5721bbbfd7c6eda51ca --- /dev/null +++ b/chunks/json/ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":517917,"char_start":516213,"chunk_id":"chk_85fd00a33ad7d044","chunk_index":298,"chunk_sha256":"ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 22 of 23\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\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"} diff --git a/chunks/json/dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16.json b/chunks/json/dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16.json new file mode 100644 index 0000000000000000000000000000000000000000..9c253e48d0380fc986579b6e211c67e9da566e4c --- /dev/null +++ b/chunks/json/dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15645,"char_start":14103,"chunk_id":"chk_3d5697a7665053b2","chunk_index":8,"chunk_sha256":"dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_46caa6c58c5a5fc7","text_sha256":"dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16","token_estimate":476,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md"]},"text":"## Meet The Team\n\n- ## Anne Marie Pippin\n\nDeputy Director, DCOR\n\nDivision of Conservatorship Oversight and Readiness (DCOR)\n\n- ## Leah Price\n\nSupervisor, DCOR\n\nOffice of Governance and Strategic Initiatives\n\nOffice of Financial Technology\n\n- ## Tracy Step​han\n\nChief Artificial Intelligence Officer and Associate Director, DCOR\n\nOffice of Governance and Strategic Initiatives\n\nOffice of Financial Technology\n\n## Connect with Us\n\nTo ask questions or request a meeting with the FHFA Office of Financial Technology, please email us at the address below:\n\nImage\n\n![email icon](/sites/default/files/styles/large/public/2023-05/EmailIcon.png?itok=MOhHT-sd)\n\n**Email:** [Fintech@fhfa.gov](mailto:Fintech@fhfa.gov)\n\n*​​Page last updated: August 1, 2024​​​​​*​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138.json b/chunks/json/df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138.json new file mode 100644 index 0000000000000000000000000000000000000000..ee88d7e519b8e22667c95a8ba9f7379839e613bb --- /dev/null +++ b/chunks/json/df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1020865,"char_start":1019244,"chunk_id":"chk_e03f0e2868cdb87e","chunk_index":608,"chunk_sha256":"df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Other’]\n\n/VALUATION_RESPONSE/REPORT/@AppraisalPurposeTypeOtherDescr\niption\n\n4000\n\nString\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnpars\nedAddress\n\nUAD Requirement - Refer to Appendix D Subject Section\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\nUAD Requirement - Refer to Appendix D Subject Section\nThis field contains the name of the lender.\nThis data is referenced more than once on the form (field 6-24) and must be\nrepresented consistently to the extent the available space permits. The printed\nversion of this field must appear completely in this location on the form, but may be\ntruncated in the other locations.\n\nString\n\nString\n\n38\n\nSUBJECT\n\n40\n\n1\n\n39\n\nSUBJECT\n\nIs the subject property currently\noffered for sale or has it been\noffered for sale in the twelve\nmonths prior to the effective date\nof the appraisal?\nYes\nIs the subject property currently\noffered for sale or has it been\noffered for sale in the twelve\nmonths prior to the effective date\nof the appraisal?\nNo\n\nListed Within\nPrevious Year\nIndicator\n\nListed Within\nPrevious Year\nIndicator\n\n41\n\n1\n\ne-2\n\nSUBJECT\n\nReport data source(s) used,\noffering price(s), and date(s).\n\nGSE Days On\nMarket Description\n\nIndicates that the property has been listed\nwithin the previous twelve (12) months.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@Listed\nWithinPreviousYearIndicator=‘Y’]\n\nIndicates that the property has been listed\nwithin the previous twelve (12) months.\n"} diff --git a/chunks/json/df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297.json b/chunks/json/df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297.json new file mode 100644 index 0000000000000000000000000000000000000000..b9c24a4a95b8f971bc0f3a17dcf0e29f52ffc307 --- /dev/null +++ b/chunks/json/df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7191,"char_start":5454,"chunk_id":"chk_9fd68c681d85e330","chunk_index":3,"chunk_sha256":"df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Appendix F-2: Appraisal Update Report Reference Guide\n\nPage 4 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nOverview\n\nThe legacy form 1004D/442 was used for Appraisal Update and/or Completion. In the UAD redesign, the\nCompletion Report and Restricted Appraisal Update Report are separate reports. This Reference Guide only\naddresses the appraisal update.\n\nAppraisal Update and/or Completion Report\n\n1004D\n\n442\n\nLegacy Form Name\n\nFannie Mae Form\n\nFreddie Mac Form\n\nRestricted Appraisal Update Report Section Organization\n\nThis table shows the sections of the Restricted Appraisal Update Report and when they display. For more\ninformation about a section, reference the appropriate chapter in this document.\n\nSection\n#\n\nSection Name\n(Black Tab)\n\nAlways\nDisplays\n\nWhen Section Displays\n\n01\n\n02\n\n03\n\n04\n\n05\n\nSubject Property\n\nOriginal Appraisal\n\nAppraisal Update\n\nAssignment Information\n\nCertifications and Intended Use / User\n\n√\n\n√\n\n√\n\n√\n\n√\n\nTable Column Headings\n\nIn this document, tables are used to define the fields in the Restricted Appraisal Update Report. Column\nheadings are as follows:\n• Report Field ID: A red number identifying the specific location of the field on the report.\n• Report Label: The name of the field as shown on the report.\n• When to Include: The conditionality for when the information is required, expressed in business terms.\n\no Examples: Always required, Required for FHA, If applicable\no Note: When information is required is not always the same as when it displays.\n\n• Allowable Answers / Format\n\no Examples: Yes | No, Free-form, Number, Choose allowable answer(s) from a list or table\n• Definition / Additional Guidance: The definition in business terms, including notes and examples, a list of\n"} diff --git a/chunks/json/df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4.json b/chunks/json/df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4.json new file mode 100644 index 0000000000000000000000000000000000000000..57b0feed870678d2930726a0f7ab9d0d6da3acce --- /dev/null +++ b/chunks/json/df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":807425,"char_start":805722,"chunk_id":"chk_846db08554c752ff","chunk_index":479,"chunk_sha256":"df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nANALYSIS\n\nI did analyze the condominium project\nbudget for the current year.\n\nPROJECT\nANALYSIS\n\nI did not analyze the condominium\nproject budget for the current year.\n\nPROJECT\nANALYSIS\n\nExplain the results of the analysis of the\nbudget (adequacy of fees, reserves, etc.),\nor why the analysis was not performed.\n\nProject Analysis\nBudget Analyzed\nIndicator\n\nProject Analysis\nBudget Analyzed\nIndicator\nProject Analysis\nBudget Analysis\nComment\n\nIndicates that the appraiser analyzed the\nproject's budget.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_BudgetAnalyzedIndicator='Y']\n\nIndicates that the appraiser analyzed the\nproject's budget.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_BudgetAnalyzedIndicator='N']\n\nA free-form text field describing the\nresults of analyzing the project budget.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_BudgetAnalysisComment\n\nPROJECT\nANALYSIS\n\nAre there any other fees (other than\nregular HOA charges) for the use of the\nproject facilities? Yes\n\nProject Analysis\nAdditional Facilities\nFee Indicator\n\nIndicates that the project does impose an\nadditional fee beyond the standard project\nfee.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_AdditionalFacilitiesFeeIndicator='Y']\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nAre there any other fees (other than\nregular HOA charges) for the use of the\nproject facilities? No\n\nProject Analysis\nAdditional Facilities\nFee Indicator\n\nIndicates that the project does impose an\nadditional fee beyond the standard project\nfee.\n\nAre there any other fees (other than\nregular HOA charges) for the use of the\nproject facilities?\nIf Yes, report the charges and describe.\n"} diff --git a/chunks/json/df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216.json b/chunks/json/df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216.json new file mode 100644 index 0000000000000000000000000000000000000000..1789c36deab46d1b97a4e43d41231090dedd8f6f --- /dev/null +++ b/chunks/json/df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216.json @@ -0,0 +1 @@ +{"chunk":{"char_end":337216,"char_start":335595,"chunk_id":"chk_cc239f1b7d59bb2b","chunk_index":199,"chunk_sha256":"df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nDefinition / Additional Guidance\n\nCeiling Style (Choose one or more)\n\nBarrel\n\nBeams\n\nCathedral\n\nCoffered\n\nDrop\n\nFlat\n\nTray\n\nVaulted\n\nA ceiling that is semicircular in cross section and resembles a segment of a barrel.\n\nA ceiling that features exposed joists and / or beams.\n\nA ceiling that features two equally sloping sides that meet in the middle and often conforms to the shape of the roof.\n\nA ceiling that features a series of rectangular, square, or octagon grids with sunken or recessed panels.\n\nA secondary ceiling hung below the main ceiling or joists.\n\nA ceiling with no pitch or change in height.\n\nAn inverted or recessed ceiling that features a center section that is several inches higher than the rest of the ceiling.\n\nA ceiling that features higher than typical open areas with sloping sides.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAllowable Answer\n\nNew or Like New\n\nWalls and Ceiling Condition Status (Choose one)\n\nDefinition / Additional Guidance\n\nThe walls or ceilings are new or like new with no visible signs of use.\nNote: This would be the typical answer when New Construction (3.017) is Yes.\n\nTypical Wear and Tear\n\nThe walls or ceilings are fully functional and exhibit minimal wear and tear, with visible signs of use.\n\nDamaged and Functional\n\nThe walls or ceilings are damaged and exhibit moderate wear and tear but can still function as intended or designed.\nExamples:\n•\n•\n• Wall or ceiling covering materials that are stained or discolored that do not need replacement, only paint or\n\nHoles in drywall\nSmall pieces of drywall missing\n"} diff --git a/chunks/json/df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32.json b/chunks/json/df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32.json new file mode 100644 index 0000000000000000000000000000000000000000..da912e84069b3d90d820d649b8b6aa85fde67437 --- /dev/null +++ b/chunks/json/df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32.json @@ -0,0 +1 @@ +{"chunk":{"char_end":371234,"char_start":369592,"chunk_id":"chk_eee9d81a119c3acd","chunk_index":206,"chunk_sha256":"df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Decision Expiration Dates\n\nConditional Project Approval: expires 9 months from the date of issue.\n\nFinal Project Approval: expires 18 months from the date of issue.\n\nNote: Fannie Mae, in some instances and in its sole discretion, may set a shorter or longer expiration term.\n\nFor information on requesting an extension, see the Project Eligibility Review Service (PERS) Overview on Fannie Mae's website.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 146 of 166\n\nUAD 3.6 Policy\n\nSB4-2.3-01, Eligibility Requirements for Units in PUD Projects (12/10/2025)\n\nIntroduction\n\nThis topic contains information on PUD projects, including:\n\n• PUD Project Requirements\n\n• Eligibility Requirements for Units in PUD Projects\n\nPUD Project Requirements\n\nFor a project to qualify as a PUD, all of the following requirements must be met:\n\n• each unit owner’s membership in the HOA must be automatic and nonseverable,\n\n•\n\nthe payment of assessments related to the unit must be mandatory,\n\n•\n\ncommon property and improvements must be owned and maintained by an HOA for the benefit and use of the unit\nowners, and\n\n•\n\nthe subject unit must not be legally created as part of a condo or co-op project.\n\nZoning is not a basis for classifying a project or subdivision as a PUD. Units in projects or subdivisions simply zoned as PUDs\nthat include the following characteristics are not defined as PUD projects under Fannie Mae’s policies. These projects\n\n• have no common property and improvements,\n\n• do not require the establishment of and membership in an HOA, and\n\n• do not require the payment of assessments.\n\nFannie Mae classifies PUD projects as either\n"} diff --git a/chunks/json/df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c.json b/chunks/json/df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c.json new file mode 100644 index 0000000000000000000000000000000000000000..855b7810d55fd00e74b7cb148f1c7e2db5d9623d --- /dev/null +++ b/chunks/json/df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3269,"char_start":1626,"chunk_id":"chk_4ba5f69fa61610de","chunk_index":1,"chunk_sha256":"df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d6b9a54a1de1ce5b","text_sha256":"df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-april-15-2023.pdf"]},"text":"When a loan casefile is eligible for this option, DU will issue a message stating that DU accepts the value submitted by the lender,\nand that the loan is eligible for value acceptance + property data contingent upon the submission of the property data to the\nFannie Mae Property Data API (API).\n\nNote: The DU messages regarding the value acceptance + property data option will only be issued on new loan casefiles\ncreated on or after April 16, 2023\n\nWhen the lender receives the message stating a loan is eligible for value acceptance + property data, the lender can order the\nproperty data collection from an approved vendor that has access to the API. The lender has the option to provide the vendor the\nDU casefile ID to submit to the API with the property data. When the vendor submits the property data through the API, they will\nreceive a 32-character alphanumeric Property Data ID.\n\nUpon resubmission DU will determine if the property data was submitted to the API by matching the subject property address\nwith one of the following:\n\n▪ The DU casefile ID provided when the property data was submitted to the API, or\n\n▪\n\nthe Property Data ID returned by the API and submitted to DU in the loan application data.\n\n© 2023 Fannie Mae.\n\n3.24.23\n\n1 of 3\n\nWhen DU is able to determine the property data was submitted to the API, the DU message will no longer state it is contingent\nupon submission of the property data to the API, but will continue to state the requirements to deliver the loan to Fannie Mae.\n\nNote: The Property Data ID can be found in the Optional Additional Data section of the Desktop Originator® (DO®)/DU user\ninterface.\n"} diff --git a/chunks/json/df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11.json b/chunks/json/df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11.json new file mode 100644 index 0000000000000000000000000000000000000000..327be2bc230eec20838d21194148da0d09ee4035 --- /dev/null +++ b/chunks/json/df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1104491,"char_start":1102795,"chunk_id":"chk_ca31d84d435e183f","chunk_index":656,"chunk_sha256":"df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Numeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nBoolean\n\nA value of 'Y' indicates there is a carport. A value of 'N' indicates the box was not\nchecked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nThis field should be populated if the value\nindicated in field 1-179 (Amenity Detailed\nDescription) is not equal to 'None'\n\nThis field should have a value of 'Y' if the value\nindicated in field 1-181 (Amenity Type Other\nDescription) is not equal to 'None'\n\nIf field 1-182 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-183, 1-\n186, 1-188 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n182 is not indicated, then at least one of fields 1-\n183, 1-186, 1-188 should be indicated.\nIf field 1-182 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-183, 1-\n186, 1-188 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n182 is not indicated, then at least one of fields 1-\n183, 1-186, 1-188 should be indicated.\n\nThis field should be populated if field 1-183\n(Car Storage Location Exists Indicator = 'Y' and\nCar Storage Location Type = 'Driveway') is\nIf field 1-182 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-183, 1-\n186, 1-188 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n182 is not indicated, then at least one of fields 1-\n183, 1-186, 1-188 should be indicated.\n"} diff --git a/chunks/json/df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146.json b/chunks/json/df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146.json new file mode 100644 index 0000000000000000000000000000000000000000..4ea60592907dc310a9f4a518001693b4a3041b97 --- /dev/null +++ b/chunks/json/df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3229,"char_start":1625,"chunk_id":"chk_6fefcaca65ba9ef1","chunk_index":1,"chunk_sha256":"df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146","token_estimate":401,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"Appendix A‐2: UAD Restricted Appraisal Update Report Delivery Specification\nAppendix B‐2: Restricted Appraisal Update Report Implementation Guide\nAppendix F‐2: Restricted Appraisal Update Report Reference Guide\n\nRestricted Appraisal Update Report\n\nHF.001\n\nPage [Page] of [Pages]\n\nSubject Property\n\nPhysical Address\nCounty\nProperty Rights Appraised\n\n01.001\n\n01.002\n\n01.003\n\n01.001.1\n\nLegal Description\n\n01.004 01.004.1 | 01.004.2\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nReasonable Exposure Time\n\n02.001\n\n02.002\n\n02.003\n\nAppraisal Update\n\nEffective Date\n\n03.001\n\nAppraiser\n\nReference ID\nOriginal Lender\n\n02.004\n\n02.005\n\n02.006\n\nYes No\nHas the market value of the subject property decreased since the effective date of the original appraisal? (cid:133) (cid:133)\n\n03.002\n\nAppraisal Update Commentary\n\n03.003\n\nAppraisal Update Exhibits\n\n03.004.1 | 03.004.2 03.005.1 | 03.005.2 03.006.1 | 03.006.2\n\nAssignment Information\n\nBorrower Name\n\n04.001\n\nContact Information\n\n[Role]/[Role]\n\n04.048 / 04.049\n\nCompany Name\nCompany Address\n\n04.006\n\n04.007\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\n04.011\n\n04.012\n\n04.013\n\n04.014\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\n04.015\n\n04.016\n\n04.017\n\n04.002\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\n04.003\n\n04.004\n\n04.005\n\nCredentials\n\nID\nState\nExpires\n\n04.008\n\n04.009\n\n04.010\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n04.018\n\n04.019\n\n04.020\n\n04.021\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\n04.022\n\n04.023\n"} diff --git a/chunks/json/df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e.json b/chunks/json/df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e.json new file mode 100644 index 0000000000000000000000000000000000000000..794dcff96c007ef3cb03e04486710c7be9372adb --- /dev/null +++ b/chunks/json/df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32490,"char_start":32001,"chunk_id":"chk_2fd6c77d6af59917","chunk_index":46,"chunk_sha256":"df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e","token_estimate":440,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"06 Energy Efficient and Green Features ............................................................................................................................................................................................... 143\n\nOverview ................................................................................................................................................................................................................................................ 143\n"} diff --git a/chunks/json/df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a.json b/chunks/json/df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a.json new file mode 100644 index 0000000000000000000000000000000000000000..c4beff4a8081bcb546a117606186035fe0720797 --- /dev/null +++ b/chunks/json/df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64798,"char_start":63136,"chunk_id":"chk_fa5b0e49f09dabd8","chunk_index":83,"chunk_sha256":"df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a","token_estimate":415,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Photos Up to 8 per page (see next page for sample layout of 8 photos).\n\nGraphs Up to 3 per page to fill 45 picas x 20 picas (allow 6 points space from edge of frame).\n\nLarger\n\nSize proportionately allowing 6 points space from edge of frame, the Section Header (TAB-C),\nSubsection Header (H1), and caption (CAP). Examples include maps, sketches, and documents.\n\nCAP—Captions\n\nCAP\n\nTEXT\n\n9/10 Myriad Pro Bold with Roman x 21 picas 6 points (~59-64 characters\nmax).\n\nINDENT Align left and indent 4 points.\n\nAppendix E: Report Style Guide\n\nPage 30 of 90\n\nVersion 1.4\n\nSAMPLE FULL PAGE PHOTO LAYOUT\n\nAppendix E: Report Style Guide\n\nPage 31 of 90\n\nVersion 1.4\n\nPart 2. Specific Section Details\n\nThis chapter contains details for the formatting of each of the 29 sections possible in the URAR.\n\n“Uniform Residential Appraisal Report” [TITLE] sets 32-point Myriad Pro Regular, align left; 2 picas 2 points to\npage margin above; 6 points space below to\n\nAddress of property [TITLE-ADD] sets below, 12/13 Myriad Pro Black, all caps; 3 picas space below to:\n\nSUMMARY [SUM-HD] sets 14-point Myriad Pro Black (sets above Summary tab line), all caps, offset 5 points to 2-\npoint rule below x 45 picas.\n\nLeft-hand side of page\n\n•\n\n“Opinion of Market Value” sets as TXR-B, TXR\n\no “(Cooperative Interest)” if applicable sets flush right on 22 picas.\n\nRight-hand side of page\n\n•\n\n“Market Value Condition” sets as TXR-B, TXR in right hand column.\n\nFull page width\n\n•\n\n“Final Value Condition Statement” (intro phrase) sets as TXC-B – 9/11 Myriad Pro Regular\nwith Bold intro phrase (initial cap) x 45 picas, with an additional ½ line space below;\nstatement sets Myriad Pro Regular.\n"} diff --git a/chunks/json/df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88.json b/chunks/json/df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88.json new file mode 100644 index 0000000000000000000000000000000000000000..39d9936928026281fbe205a4b32933a72e235194 --- /dev/null +++ b/chunks/json/df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88.json @@ -0,0 +1 @@ +{"chunk":{"char_end":415469,"char_start":413751,"chunk_id":"chk_10a524f34785a670","chunk_index":239,"chunk_sha256":"df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 20 of 21\nPage 20 of 21\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\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"} diff --git a/chunks/json/df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492.json b/chunks/json/df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492.json new file mode 100644 index 0000000000000000000000000000000000000000..cc4fd57464f6447dfd10a21a7c0121e585bf6a29 --- /dev/null +++ b/chunks/json/df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1254388,"char_start":1252746,"chunk_id":"chk_b456abf51bd50850","chunk_index":744,"chunk_sha256":"df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of units for sale\n\nUnits For Sale\nCount\n\nTotal number of living units for sale.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S\nTAGE/@UnitsForSaleCount\n\n10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nNumber of Units\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S\nTAGE/@DataSourceDescription\n\n100\n\nString\n\n432\n\n3\n\n53\n\nPROJECT\nINFORMATION\n\n433\n\n3\n\n54\n\nPROJECT\nINFORMATION\n\nPUD\nWas the project created by the\nconversion of an existing\nbuilding(s) into a PUD?\nYes\n\nPUD\nWas the project created by the\nconversion of an existing\nbuilding(s) into a PUD?\nNo\n\nProject Conversion\nIndicator\n\nIndicates that the project was converted\ninto the current Project Ownership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationTyp\ne=‘PUD’ and @_ConversionIndicator=‘Y’]\n\nProject Conversion\nIndicator\n\nIndicates that the project was converted\ninto the current Project Ownership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationTyp\ne=‘PUD’ and @_ConversionIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n434\n\n3\n\n55\n\nPROJECT\nINFORMATION\n\nPUD\nIf yes, date of conversion\n\nProject Conversion\nDate\n\nSpecifies the date the project was\nconverted into the current Project\nOwnership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConversionDate\n\n12\n\nDate/Time\n\nData Format(s)\nyyyy-mm-dd or yyyy-mm or yyyy\n\nPDF Display Format(s)\ndd/mm/yyyy or mm/yyyy or yyyy\n\n435\n\n3\n\n56\n\nPROJECT\nINFORMATION\n\nPUD\nDoes the project contain any\nmulti-dwelling units?\nYes\n\nProject Contains\nMultiple Dwelling\nUnits Indicator\n"} diff --git a/chunks/json/df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2.json b/chunks/json/df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2.json new file mode 100644 index 0000000000000000000000000000000000000000..23e2225316f803b764f6e495e1ed3b7d01b81f63 --- /dev/null +++ b/chunks/json/df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":733668,"char_start":732067,"chunk_id":"chk_8598c1d72e532d0a","chunk_index":437,"chunk_sha256":"df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 328 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nReconciliation: Requested Condition Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n26.018 Requested\nCondition\nCommentary\n\nRequired if Additional\nClient Requested\nConditions is Yes\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nOverall commentary for client-requested conditions, which could include\ninformation that is not captured in the discrete data, or additional details to\nsupport the discrete data that is provided.\n\nReconciliation of Market Value\n\nThis subsection always displays.\n\nReconciliation: Reconciliation of Market Value\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n26.019 Reconciliation of\n\nAlways required\n\nFree-form\n\nMarket Value\n\nApparent Defects, Damages, Deficiencies\n\nDefinition / Additional Guidance\n\nDescribe or reconcile the different approaches to value and the data used to\narrive at the final property valuation.\n\nAll defects, damages, and deficiencies for the appraisal are redisplayed in the Reconciliation section, along with\nthe estimated cost to repair when applicable. Each defect, damage, or deficiency must be associated with the\nmost appropriate section.\n• Site\n• Dwelling Exterior (for each dwelling)\n• Outbuilding (for each outbuilding)\n• Unit Interior (for each unit or ADU)\n• Vehicle Storage\n• Subject Property Amenities\n\nIf there are no defects, damages, or deficiencies for the appraisal, “None” displays, and the Apparent Defects,\nDamages, Deficiencies table does not display.\n\nReport\nField ID\n\nReport Label\n"} diff --git a/chunks/json/df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb.json b/chunks/json/df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb.json new file mode 100644 index 0000000000000000000000000000000000000000..9c292ee8a6493c51401c57f51b0b0bcf18b4e8a5 --- /dev/null +++ b/chunks/json/df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":60642,"char_start":58960,"chunk_id":"chk_51a86cb0cebe18cc","chunk_index":33,"chunk_sha256":"df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Multiple Parcels\n\nThe table below provides the requirements for when the security property consists of more than one parcel of real estate.\n\n✓\n\nMultiple Parcels Requirements\n\nEach parcel must be conveyed in its entirety.\n\nParcels must be adjoined to the other, unless they comply with the following exception. Parcels that\notherwise would be adjoined, but are divided by a road, are acceptable if the parcel without a residence is\na non-buildable lot (for example, waterfront properties where the parcel without the residence provides\naccess to the water). Evidence that the lot is non-buildable must be included in the loan file.\n\nEach parcel must have the same basic zoning (for example, residential, agricultural).\n\nThe entire property may contain only one primary dwelling unit. Limited additional non-residential\nimprovements, such as a garage, are acceptable. For example, the adjoining parcel may not have an\nadditional dwelling unit. A primary dwelling built across both parcels where the lot line runs under the\nhome is acceptable; however, an ADU built across parcels is not acceptable.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 28 of 166\n\nUAD 3.6 Policy\n\nThe mortgage must be a valid first lien that covers each parcel.\n\nMixed-Use Properties\n\nFannie Mae purchases or securitizes mortgages that are secured by properties that have a business use in addition to their\nresidential use, such as a property with space set aside for a day care facility, a beauty or barber shop, or a doctor’s office.\n\nThe following special eligibility criteria must be met:\n\n•\n\n•\n\n•\n\n•\n\nThe property must be a one-unit dwelling that the borrower occupies as a principal residence.\n"} diff --git a/chunks/json/df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364.json b/chunks/json/df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364.json new file mode 100644 index 0000000000000000000000000000000000000000..29f508fe408361b3b74de20ce731fb6d3f103451 --- /dev/null +++ b/chunks/json/df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364.json @@ -0,0 +1 @@ +{"chunk":{"char_end":635692,"char_start":634034,"chunk_id":"chk_d446cf912a2704f6","chunk_index":378,"chunk_sha256":"df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"There is other information that the appraiser must input directly into the Rental Information section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 280 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nRent Schedule\n\nSubject Property Rental Information\n\n23 Rental Information\n\nA row displays in the Subject Property Rental Information table for each unit for which Include Unit in Rent\nSchedule is Yes, and the “When to Include” column in this chapter reflects this.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n23.01.01 N/A\n\n23.01.02 Currently\n\nRented\n\n23.01.03 Occupancy\n\nDisplays if applicable\nfor each unit\n\nAlways required for\neach unit\n\nAlways required for\neach unit\n\nRent Schedule: Subject Property Rental Information\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nUnit Identifier\nPopulates from the Unit Interior section (10.002) for the unit or ADU.\n\nYes | No\n\nUnit Currently Rented\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n•\n•\n•\n\nTenant\nOwner\nVacant\n\nNote: Populates from the Unit Interior section (10.020) for the unit or ADU.\n\n23.01.04 Monthly Rent\n\nAlways required for\neach unit\n\nDollar amount\n\nMonthly Actual Rent for Unit\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n\nRent Schedule\no\no\n\nSubject Property Rental Information 23.01.04\nActual Income (Monthly) 23.01.13\n\n23.01.05 Month-to-\n\nMonth\n\nRequired if Unit\nCurrently Rented is Yes\n\nYes | No\n\n•\n\n•\n•\n\nComparable Rental Analysis Summary 23.03.22\n\nYes (lease agreement is for a one-month period)\nNo (lease agreement is longer than one month, such as a 12-month lease)\n"} diff --git a/chunks/json/dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b.json b/chunks/json/dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b.json new file mode 100644 index 0000000000000000000000000000000000000000..2ab45040b8e03ad5fcffac320f8aa5441ad971e4 --- /dev/null +++ b/chunks/json/dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":863741,"char_start":862117,"chunk_id":"chk_8d86db59f86e87db","chunk_index":513,"chunk_sha256":"dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nR\n\nR\n\nCR\n\nCR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 150 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n323\n\n324\n\n325\n\n326\n\n327\n\n328\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n6\n\n7\n\n8\n\n9\n\n10\n\n11\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\n\nComparable Listings Price Range Low\n\nComparable Listings Price Range High\n\nComparable Listings\nPrice Range Low\nAmount\nComparable Listings\nPrice Range High\nAmount\n\nSpecifies the low listing value in the\nrange of values within the group of\ncomparable listing properties researched.\nSpecifies the high listing value in the\nrange of values within the group of\ncomparable listing properties researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableListingsPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableListingsPriceRangeHighAmount\n\nNumber of Comparable Sales\n\nComparable Sales\nResearched Count\n\nSpecifies the total number of comparable\nproperty sales researched.\n"} diff --git a/chunks/json/dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff.json b/chunks/json/dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff.json new file mode 100644 index 0000000000000000000000000000000000000000..84dd7f1fb812f588c31114d936e6ed66be37cea1 --- /dev/null +++ b/chunks/json/dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":551111,"char_start":549482,"chunk_id":"chk_f5131bca1255da02","chunk_index":327,"chunk_sha256":"dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Dwelling(s)\n\nDwelling Style\n\nIf relevant\n\nRequired for detached\nproperties when the\nrow is included in the\nsales comparison grid\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nguidance column\n\nDwelling Exterior, for\neach dwelling\n•\n\nDwelling Style\n8.004\n\nYes\n22.05.40\n\nA-Frame\nBarn\nBi-Level\nBungalow\nCape Cod\nChalet\nColonial\nContemporary\nCottage\nCraftsman\nEarth / Berm\nFarmhouse\nGeodesic Dome\nGeorgian\nLog\n\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Mediterranean\n• Modern\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nNeo-Eclectic\nRaised Ranch\nRambler\nRanch\nSouthwest\nSpanish\nSplit Foyer or Entry\nSplit Level\nStilt\nTraditional\nTudor\nVictorian\nOther (Describe)\n\nIf there are multiple dwellings, Dwelling Style displays for each of them\nin the same row.\n\n22.05.12\n22.05.41\n\nTotal Dwelling\nVolume\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of cubic\nfeet\n\nDwelling Exterior, for\neach dwelling\n•\n\nStructure Volume\n8.015\n\nYes\n22.05.42\n\nDwelling Volume for All Dwellings\n•\n\nFor the subject property, calculated: The sum of the Structure\nVolume for all dwellings.\nFor the comparables, report the total volume for all dwellings as a\nsingle number.\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 241 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n"} diff --git a/chunks/json/dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec.json b/chunks/json/dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec.json new file mode 100644 index 0000000000000000000000000000000000000000..4bc0d36f4d6f6b582b501b2a1f1c1a2109f4ce69 --- /dev/null +++ b/chunks/json/dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8858,"char_start":7103,"chunk_id":"chk_bb86b74e151bad76","chunk_index":4,"chunk_sha256":"dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a3584e2909483f25","text_sha256":"dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec","token_estimate":439,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (3).pdf"]},"text":"14. As an appraiser, how can I prepare for UAD 3.6?\n\nThe GSEs have created an appraiser-specific training course, available through appraisal education providers, that\nwill allow appraisers to obtain continuing education (CE) credit. Appraisers should also work with their appraisal\nsoftware vendor to understand specific functionality, vendor-specific training, and testing timeframes.\n\nAppraisers can also review published materials on the GSE websites:\n\n• Training: Industry’s Guide to the New URAR\n\n• Appendices F-1, F2, and F-3: Reference Guides\n\n• Sample Scenario PDFs (Combined)\n\n15. As an appraiser, how will I know whether to perform an appraisal assignment using UAD 2.6 or UAD 3.6?\n\nThis information should be in the Engagement Letter. If not, work with your client to understand the assignment.\nLenders may implement a staged rollout of UAD 3.6 during the transition period, so requirements may vary from\nassignment to assignment and from lender to lender.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nP a g e | 4\n\nURAR\n\n16. Have the Condition and Quality Ratings been updated for UAD 3.6?\n\nThe Condition and Quality Rating scale has not changed, but definitions were rewritten to provide clarity and\nmake it easier to distinguish between the ratings. Interior and Exterior Condition and Quality Ratings have also\nbeen added for a distinction when there are significant differences in the condition status between interior and\nexterior. See Appendix 2 of the URAR Reference Guide or Condition and Quality Rating Definitions for details.\n"} diff --git a/chunks/json/dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19.json b/chunks/json/dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19.json new file mode 100644 index 0000000000000000000000000000000000000000..294385ea8668c00a0bef361607b0b65e0402d224 --- /dev/null +++ b/chunks/json/dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19.json @@ -0,0 +1 @@ +{"chunk":{"char_end":71094,"char_start":70174,"chunk_id":"chk_293faf2d803d4556","chunk_index":74,"chunk_sha256":"dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19","token_estimate":430,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"26.000\n\n26.001\n\n26.002\n\n26.003\n\n26.006\n26.007\n\n26.009\n\n26.074\n\n26.008\n\n26.013\n\n26.075\n\n26.004\n\n26.005\n\n26.010\n\n26.011\n\n26.012\n\n26.014\n\n26.019\n\n26.015\n\n26.018\n\n26.016\n\n26.017\n\n26.021\n\n26.028\n\n26.022\n\n26.029\n\n26.027\n\n26.023\n\n26.030\n\n26.036\n\n26.037\n\n26.042\n\n26.044\n\n26.052\n\n26.058\n\n26.045\n\n26.053\n\n26.059\n\n26.064\n\n26.065\n\n26.071\n\n26.034 - 26.035\n\n26.038\n\n26.046\n26.050 - 26.051\n\n26.054\n\n26.060\n\n26.066\n\n26.020\n\n26.024\n\n26.031\n\n26.039\n\n26.047\n\n26.055\n\n26.061\n\n26.067\n\n26.025\n\n26.026\n\n26.032\n\n26.033\n\n26.040\n\n26.041\n\n26.048\n\n26.049\n\n26.056\n\n26.057\n\n26.062\n\n26.063\n\n26.069\n\n26.070\n\n26.068\n\n26.072\n\n26.073.1 | 26.073.2\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n"} diff --git a/chunks/json/dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190.json b/chunks/json/dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190.json new file mode 100644 index 0000000000000000000000000000000000000000..bb94688d4dafe399cc6de92c75c6a9119795b764 --- /dev/null +++ b/chunks/json/dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190.json @@ -0,0 +1 @@ +{"chunk":{"char_end":128489,"char_start":126913,"chunk_id":"chk_4c3e036b729f9515","chunk_index":122,"chunk_sha256":"dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190","token_estimate":405,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"o 4p6 (~17 characters max, per line, per cell)\n\nSite Value (H1)\n\nSite Valuation Method table\n\n• Set 3 column table x 28 picas 6 points.\n\n• Column 1: 16 picas 6 points wide (~64 characters max, per line, per cell\n\n• Column 2: 7 picas 6 points wide (~30 characters max, per line, per cell\n\n• Column 3: 4 picas 6 points (~17 characters max, per line, per cell)\n\nSITE VALUATION METHOD TABLE\n\n•\n\n•\n\n“Primary Site Valuation Method” sets as TB-B, TB.\n\n“Opinion of Site Value” sets as TB_sub-H1-R in white type.\n\nLand Comparables (H2)\n\nLand Comparables table\n\n• Set 8 column table x 45 picas.\n\n• Column 1:\n\n1 pica 6 points wide (~6 characters max, per line, per cell)\n\n• Columns 2–8:\n\n7 equal columns (~24 characters max, per line, per cell)\n\nAppendix E: Report Style Guide\n\nPage 72 of 90\n\nVersion 1.4\n\n• Column heads set as TCH: “#,” “Address,” “County,” “Data Source,” “Assessor Parcel Number\n\n(APN),” “Site Size,” “Sale Date,” “Price” in 8 column table x 45 picas\n\nLAND COMPARABLES TABLE\n\n• Content sets as TB\n\nFull page width\n\n•\n\n“Reconciliation of Site Value” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45\npicas\n\nGeneral Description (H1)\n\nLeft-hand side of page\n\n•\n\n“Cost Type,” “Cost Data Source” set as TXR-B, TXR\n\no “Quality Rating,” “Effective Date” set as TXR-I, TXR\n\nRight-hand side of page\n\n•\n\n“Cost Method,” “Depreciation Method” set as TXR-B, TXR\n\nCost Approach Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nCost Approach Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Reconciliation” sets as TAB.\n\nApproaches to Value (H1)\n"} diff --git a/chunks/json/dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493.json b/chunks/json/dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493.json new file mode 100644 index 0000000000000000000000000000000000000000..1b4b1f9458e49f4e892f19950c6a9466ec916fa0 --- /dev/null +++ b/chunks/json/dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493.json @@ -0,0 +1 @@ +{"chunk":{"char_end":68649,"char_start":67041,"chunk_id":"chk_84fbb8a1c231d4c9","chunk_index":33,"chunk_sha256":"dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Delivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATE\nRALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DET\nAIL\n\n0.041\n\nAppraisalIdentifier\n\n1234567891\n\n1.014\n\nPropertyValuationAmount\n\n300000.00\n\nMutually exclusive with\nPropertyEstimatedValueAmount.\n\nN O T E : The attribute IdentifierOwnerURI which contained the link to the Uniform Collateral Data Portal (UCDP), along\nwith the data points PropertyValuationMethodType and PropertyValuationMethodTypeOtherDescription, have been\nremoved from UCD v2.0.\n\nFigure 14. XML File Snippet with Appraised Value and Doc File ID.\n\n\n…\n \n\n\n \n\n\n \n\nSiteBuilt\n\n\n \n \n\n\n\n1234567891\n 300000.00\n\n\n\n \n\n\n\n\n \n\n…\n\n\nb. Purchase Transactions\n\nWith purchases, the sale price is used instead of a property valuation amount. The data point(s) used for the sale price in\nthe XML file depend on whether personal property is included in the transaction. The existence and value of the\nPersonalPropertyIncludedIndicator determine which data points to use.\n\nUCD v2.0 Implementation Guide\n\n- 23 -\n\nVersion 1.0\n\nUniform Closing Dataset\n"} diff --git a/chunks/json/dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9.json b/chunks/json/dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9.json new file mode 100644 index 0000000000000000000000000000000000000000..d28b6217477a051cc5ec104c19ca913266980bd1 --- /dev/null +++ b/chunks/json/dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22196,"char_start":18999,"chunk_id":"chk_31b857351ef163c0","chunk_index":11,"chunk_sha256":"dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9","token_estimate":987,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/831\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f.json b/chunks/json/dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f.json new file mode 100644 index 0000000000000000000000000000000000000000..f0f195a93c4e6aacccd923e65ef5f9b485b938b7 --- /dev/null +++ b/chunks/json/dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":306106,"char_start":304479,"chunk_id":"chk_b8080ec5f431afff","chunk_index":175,"chunk_sha256":"dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Version 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nUS\n 12345\n ST\n\n\n \n \n \n\n\n\nPropertySeller\n\n\n\n\n \n\n\n\n…\n\n\n2. REQUIRED IF PARTY TO THE TRANSACTION\n\nThree PARTYs must only be provided if applicable to the transaction. If a Mortgage Broker was party to the transaction, its\ncontact information must be provided. For purchases, participating Listing and/or Selling Real Estate Agents are required.\nOnce the PartyRoleTypes of “MortgageBroker” or “RealEstateAgent” are included in the XML file, all other required data\npoints for the PartyRoleType must also be included.\n\nThe organization and individual contact information for the conditional Mortgage Broker, Listing Real estate Agent and\nSelling Real Estate agent are rendered on 23.0 “Contact Information Table”. The data points used to populate each column\nand row of the “Contact Information” table are shown below.\n\nFigure 117. XML File Conditional Mortgage Broker and Real Estate Agent Data as Rendered on the CD.\n\nContact Information\n\n23.0\n\nMortgage Broker 23.0.2\nPartyRoleType =\n“MortgageBroker”\n\nReal Estate Broker (B) 23.0.3\nPartyRoleType =\n“RealEstateAgent”\nRealEstateAgentType =\n“Selling”\n\nReal Estate Broker (B) 23.0.4\nPartyRoleType =\n“RealEstateAgent”\nRealEstateAgentType =\n“Listing”\n\n23.1.2 Beta Brokerage\nServices\n\n23.1.3 Omega Real Estate\nBroker, Inc.\n\n23.1.4 Alpha Real Estate\nBroker, Inc.\n\n23.2.2\n222 Midtown Circle\nSometown, ST 12343\n"} diff --git a/chunks/json/dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01.json b/chunks/json/dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01.json new file mode 100644 index 0000000000000000000000000000000000000000..ccfb6ff407040b03f28aafa33c8537cc1e1ace3d --- /dev/null +++ b/chunks/json/dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01.json @@ -0,0 +1 @@ +{"chunk":{"char_end":112658,"char_start":111048,"chunk_id":"chk_73645718a2f0ebaf","chunk_index":64,"chunk_sha256":"dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"mm/dd/yyyy\n\nExpiration date of the credential.\n\nFree-form\n\nExplains the details and extent of the assistance provided.\n\n2.052\n\nExpires\n\n2.048\n\nDescription\n\nRequired if Credential\nType is not None\n\nRequired for each\nperson providing\nsignificant real\nproperty appraisal\nassistance\n\nProperty Data Report\n\nThis subsection provides details about the property data report, which is the accumulation of factual\ninformation collected from the observation of a residential property that is completed specifically for mortgage\npurposes, whether in the form of data or a report. This is limited to property characteristics and does not\ninclude opinions of value.\n\nNote: Tax records and MLS listings are data sources and do not constitute a property data report.\n\nA contact (person) displays in this section when the Property Data Collector Role is chosen for the contact. If\nthere is no property data report associated with the appraisal (Property Data Report Used (2.005) is No), do not\nchoose a Role of Property Data Collector, and this subsection does not display.\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for requirements regarding the level of inspection.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nRole: Property Data Collector (Choose if applicable for each Contact)\n\nProperty Data Collector\n\nThe person observing and collecting relevant property characteristics used in preparation of a property data report.\n\nAppendix F-1: URAR Reference Guide\n\nPage 43 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n"} diff --git a/chunks/json/dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167.json b/chunks/json/dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167.json new file mode 100644 index 0000000000000000000000000000000000000000..4ff4020d856f5901bea5bdb80105b7cbf68ac643 --- /dev/null +++ b/chunks/json/dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_8ad2e563936cc685","chunk_index":0,"chunk_sha256":"dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_364302c05932d1d2","text_sha256":"dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/National_Survey_of_Mortgage_Originations__NSMO__Pu_2tbf4t.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/nsmo\"\ndate_accessed: \"2026-01-27T17:54:20.625Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619.json b/chunks/json/e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619.json new file mode 100644 index 0000000000000000000000000000000000000000..ce968264229a2468394270068e1c1ef93107523f --- /dev/null +++ b/chunks/json/e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619.json @@ -0,0 +1 @@ +{"chunk":{"char_end":505045,"char_start":503757,"chunk_id":"chk_6aa92be277f263b9","chunk_index":297,"chunk_sha256":"e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n\nEither field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n\nEither field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n\nEither field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n\nEither field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n\nEither field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\n"} diff --git a/chunks/json/e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6.json b/chunks/json/e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6.json new file mode 100644 index 0000000000000000000000000000000000000000..17e402427cf141a55467386b6a5509edb54b51c8 --- /dev/null +++ b/chunks/json/e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1756,"char_start":0,"chunk_id":"chk_107ef7801467d9c6","chunk_index":0,"chunk_sha256":"e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6","token_estimate":439,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Cooperative Scenario\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for the purchase of a single-level cooperative apartment located less than a half mile from\nthe city center. The subject project comprises of a high-rise structure built in the early 1970s and\ncontains a dry cleaner and some office space on the first floor. The subject building contains a total of\n126 residential units that also have access to a pool and a theater. A garage parking space conveys with\nthe subject property. The project grounds are adorned with landscaping that is beneficial to its value\nand marketability.\n\nKey Characteristics\n\n• Project Information\n\no Property is in a Cooperative Project\no Tax Abatements apply\no Project recently converted from apartment complex\no Project reported Incomplete due to unplanted trees\no Unit Transfer Fees apply\n• Historical Preservation property\n• Updated Kitchen & Bathrooms\n• One parking space included\n• The Sales Comparison Approach section includes Additional Properties Analyzed Not Used\n"} diff --git a/chunks/json/e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229.json b/chunks/json/e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229.json new file mode 100644 index 0000000000000000000000000000000000000000..50813eea85531d63e83fc820cf259f9a02d434fe --- /dev/null +++ b/chunks/json/e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17031,"char_start":15421,"chunk_id":"chk_cae37689e178cc0a","chunk_index":11,"chunk_sha256":"e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"Escrow\n\nEscrowed\nProperty Costs\nover Year 1\nNon-Escrowed\nProperty Costs\nover Year 1\n\nInitial Escrow\nPayment\n\n18.2\n\n18.3\n\n$\n\n$\n\nEstimated total amount over year 1 for\nyour escrowed property costs:\n\nEstimated total amount over year 1 for\nyour non-escrowed property costs:\n\n18.4\n\n$\n\nYou may have other property costs.\nA cushion for the escrow account you\npay at closing. See Section G on page 2.\n\nMonthly Escrow\nPayment\n18.1  will not have an escrow account because  you declined it  your\n\nThe amount included in your total\nmonthly payment.\n\n18.5\n\n$\n\nlender does not offer one. You must directly pay your property\ncosts, such as taxes and homeowner’s insurance. Contact your\nlender to ask if your loan can have an escrow account.\n\nNo Escrow\n\nEstimated\nProperty Costs\n\nover Year 1\nEscrow Waiver Fee\n\n18.6\n\n18.7\n\n$\n\n$\n\nEstimated total amount over year 1. You\nmust pay these costs directly, possibly in\n\none or two large payments a year.\n\nIn the future,\nYour property costs may change and, as a result, your escrow pay-\nment may change. You may be able to cancel your escrow account,\nbut if you do, you must pay your property costs directly. If you fail\nto pay your property taxes, your state or local government may (1)\nimpose fines and penalties or (2) place a tax lien on this property. If you\nfail to pay any of your property costs, your lender may (1) add\nthe amounts to your loan balance, (2) add an escrow account to your\nloan, or (3) require you to pay for property insurance that the lender\nbuys on your behalf, which likely would cost more and provide fewer\nbenefits than what you could buy on your own.\n"} diff --git a/chunks/json/e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71.json b/chunks/json/e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71.json new file mode 100644 index 0000000000000000000000000000000000000000..d77be9709a85c0f8aa811556379397381459b7ea --- /dev/null +++ b/chunks/json/e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8612,"char_start":7972,"chunk_id":"chk_b8d2fbd8b2485d53","chunk_index":10,"chunk_sha256":"e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71","token_estimate":538,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TXR –Text with Rule ............................................................................................................................................ 21\n\nTXR-I – Text with Rule Indented ......................................................................................................................... 21\n\nTXR-II – Text with Rule Double Indented ............................................................................................................ 22\n\nTX-BI – Text Bold Italic ........................................................................................................................................ 22\n"} diff --git a/chunks/json/e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82.json b/chunks/json/e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82.json new file mode 100644 index 0000000000000000000000000000000000000000..6be82f6f597897c1ccca244e54632ec4f8467cc6 --- /dev/null +++ b/chunks/json/e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82.json @@ -0,0 +1 @@ +{"chunk":{"char_end":79151,"char_start":77545,"chunk_id":"chk_173a5348b6857379","chunk_index":44,"chunk_sha256":"e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Summary: Property Description\n\nReport\nField ID\n\n1.025\n\nProperty\nRestriction\n\nWhen there are\nproperty\nrestrictions\n\nSite\n•\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nProperty\nRestriction 4.051\n\n1.026\n\nEncroachment When there are\nencroachments\n\n1.027\n\nZoning\nCompliance\n\nAlways displays\n\n1.028\n\nHUD Data Plate\nAttached\n\n1.029\n\nHUD Label\nPresent for All\nSections\n\nWhen the\nManufactured\nHome section is\nincluded in the\nreport\n\nWhen the\nManufactured\nHome section is\nincluded in the\nreport\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nYes | No\n\nSite\n•\n\nSite\n•\n\nEncroachment\n4.059\n\nZoning\nCompliance\n4.008\n\nManufactured Home\n•\nHUD Data Plate\nAttached 9.010\n\nYes | No\n\nManufactured Home\n•\nLabel Present for\nall Sections 9.016\n\n•\n\n•\n•\n\n•\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n\nAge\nHistoric Preservation\nIncome\nLand Use\nRental\nSale Price\nOther (Describe)\n\nBuilding\nDriveway\nFence\nOverhang\nOther (Describe)\n\nIllegal\nLegal\nLegal Nonconforming\nNo Zoning\n\nNote: If there is more than one manufactured home\non the property:\n•\n\nYes (the HUD Data Plate is attached for all\nmanufactured homes).\nNo (the HUD Data Plate is not attached for at\nleast one manufactured home).\n\nYes (the HUD Label is attached for all sections).\nNo (the HUD Label is missing for at least one of\nthe sections).\n\n1.030\n\nOverall Quality\n\nAlways displays\n\nQ1 to Q6\n\n1.031\n\nOverall\nCondition\n\nAlways displays\n\nC1 to C6\n\nOverall Quality and\nCondition\n•\n\nOverall Quality\n15.000\n\nOverall Quality and\nCondition\n•\n"} diff --git a/chunks/json/e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f.json b/chunks/json/e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f.json new file mode 100644 index 0000000000000000000000000000000000000000..45a08f3d932b2b33ffdd2b78d78ed69a3a0db011 --- /dev/null +++ b/chunks/json/e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1743,"char_start":0,"chunk_id":"chk_8d9b8a2e323120b5","chunk_index":0,"chunk_sha256":"e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b37aee83dd99f77b","text_sha256":"e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac___FHFA_yu76yj.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/fannie-mae-and-freddie-mac\"\ndate_accessed: \"2026-01-27T17:54:20.417Z\"\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 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Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840.json b/chunks/json/e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840.json new file mode 100644 index 0000000000000000000000000000000000000000..8eb75acfefff3a7732d3c1c3e105140fbc53ddaa --- /dev/null +++ b/chunks/json/e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840.json @@ -0,0 +1 @@ +{"chunk":{"char_end":309522,"char_start":307889,"chunk_id":"chk_ff1ceb897600af22","chunk_index":181,"chunk_sha256":"e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to describe\nthe source of information.\n\n10\n\nCOST APPROACH\n\nQuality Rating from Cost\nService\n\nCost Service Quality\nRating Description\n\nSpecifies the quality rating of the\nitemized building cost information\nprovided by the cost estimating\nservice.\n\n408\n\n3\n\n11\n\nCOST APPROACH\n\nEffective Date of Cost\nData\n\nGSE Cost Data\nSource Effective Date\nDescription\n\nThe effective date of the cost data\nprovided by the construction cost\nservice used to determine the cost\napproach to value.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@SiteEstimatedV\nalueComment\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS[@_Type='Reprod\nuction']\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS[@_Type='Replac\nement']\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@DataSourceDes\ncription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@CostServiceQu\nalityRatingDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/COST_ANALYS\nIS_EXTENSION/COST_ANALYSIS_EXTENS\nION_SECTION[@ExtensionSectionOrganizatio\nnName='UNIFORM APPRAISAL\nDATASET']/COST_ANALYSIS_EXTENSION\n_SECTION_DATA/COST_APPROACH_DAT\nA_SOURCE/@GSECostDataSourceEffectiveDa\nteDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\n1\n\n1\n\n20\n\n10\n\nEnumerated\n\nEnumerated\n\nString\n\nString\n\n12\n\nString\n\n409\n\n410\n\n411\n\n412\n\n413\n\n414\n\n415\n\n416\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n12\n\nCOST APPROACH\n\nComments on Cost\nApproach\n\nCost Analysis\nComment\n\n13\n\nCOST APPROACH\n\nEstimated Remaining\nEconomic Life\n\n14\n\nCOST APPROACH Opinion of Site Value\n"} diff --git a/chunks/json/e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d.json b/chunks/json/e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d.json new file mode 100644 index 0000000000000000000000000000000000000000..27ed2372b21de4360b2059ce6a7c2f521fdfac8e --- /dev/null +++ b/chunks/json/e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1786,"char_start":0,"chunk_id":"chk_0ed1bd63a66b242b","chunk_index":0,"chunk_sha256":"e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d","token_estimate":447,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Condominium Scenario (Condo1)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for the refinance of a condominium apartment in a midrise building. The subject unit\ncontains two bedrooms, two full bathrooms, a fireplace, and a private balcony. The unit contains 1,092\nsq. ft. and is located on the second floor of the building. Its kitchen and bathrooms were renovated with\nhigh-end finishes. The floorplan meets local expectations for flow and utility. Due to its many updates,\nthe subject unit shows nicely. It also contains two separately deeded garage parking spaces.\n\nKey Characteristics\n\n• Hybrid assignment\n\no\n\nInterior and exterior inspection via Property Data Report\n\n• Parties associated with this transaction:\n\no AMC\no Appraiser with a designation, appraiser did not perform physical inspection\n\n• Project Information\n\no Subject building contains a convenience store on the first floor\no Observed Deficiencies have been noted (balconies on the building)\no Special Assessment identified for balcony repair\no Known legal actions were noted\n"} diff --git a/chunks/json/e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813.json b/chunks/json/e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813.json new file mode 100644 index 0000000000000000000000000000000000000000..a0610f32f30c435ddbe177c2b2d4a7ad288ede36 --- /dev/null +++ b/chunks/json/e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1245348,"char_start":1242953,"chunk_id":"chk_7585d69ef72a5b48","chunk_index":739,"chunk_sha256":"e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813","token_estimate":599,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Garage’]/@PricePerSquareFootAmo\nunt\n\n9\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nPrice Per Square\nFoot Amount\n\nNew Improvement\nCost Amount\n\nNew Improvement\nType Other\nDescription\n\nSquare Feet Count\n\nPrice Per Square\nFoot Amount\n\nNew Improvement\nCost Amount\n\nNew Improvement\nCost Amount\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 204 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n407\n\n408\n\n409\n\n410\n\n411\n\n412\n\n413\n\n414\n\n415\n\n416\n\n417\n\n418\n\n419\n\n420\n\n421\n\n422\n\n423\n\n424\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n38\n\n39\n\n40\n\n41\n\n42\n\n43\n\n44\n\n45\n\n26\n\nCOST APPROACH\n\nCost-New Improvements\nGarage/Carport\nCost\n\n27\n\nCOST APPROACH Total Estimated Cost-New\n\n29\n\nCOST APPROACH Physical Depreciation\n\n31\n\nCOST APPROACH Functional Depreciation\n\n33\n\nCOST APPROACH External Depreciation\n\n34\n\nCOST APPROACH Total Depreciation\n\n35\n\nCOST APPROACH\n\n36\n\nCOST APPROACH\n\nDepreciated Cost of\nImprovements\n\n\"As-Is\"` Value of Site\nImprovements\n\nNew Improvement\nCost Amount\n\nNew Improvement\nTotal Cost Amount\n\nDepreciation\nPhysical Amount\n\nDepreciation\nFunctional Amount\n\nDepreciation\nExterior Amount\n\nDepreciation Total\nAmount\n\nNew Improvement\nDepreciated Cost\nAmount\nSite Other\nImprovements As Is\nAmount\n\nThe dollar value of total estimated costs\nto reproduce new the property\nimprovement. (CALCULATED\nThe dollar value of the total costs to\nreproduce new the improvements on the\nsubject property.\nThis element specifies the Physical\ndepreciation amount of the subject\nproperty.\nThis element specifies the Functional\ndepreciation amount of the subject\nproperty.\nThis element specifies the Exterior\ndepreciation amount of the subject\nproperty.\nSpecifies the total amount of depreciation\nfor the property improvements. This\namount includes physical, functional and\nexternal depreciation. (CALCULATED\nRESULTS FIELD)\nSpecifies the reproduction costs of the\nimprovements after depreciation has been\ntaken into account.\nThe dollar value contributed by other \"as\nis\" improvements located on the subject\nproperty site.\n"} diff --git a/chunks/json/e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52.json b/chunks/json/e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52.json new file mode 100644 index 0000000000000000000000000000000000000000..11d66b897a29ce61e4f09d7ba3bd2581977ccf2a --- /dev/null +++ b/chunks/json/e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18581,"char_start":15544,"chunk_id":"chk_2d7c3bbf51808828","chunk_index":8,"chunk_sha256":"e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e15e7e10c4f35593","text_sha256":"e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52","token_estimate":799,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/No_FEAR_Report___U_S__FEDERAL_HOUSING_fvpo0j.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/326\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/reports\\/no-fear-report\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/e07f424ad684205a1b073b7fa7d58031b48286d29cb3e32e92bba26fdc62280e.json b/chunks/json/e07f424ad684205a1b073b7fa7d58031b48286d29cb3e32e92bba26fdc62280e.json new file mode 100644 index 0000000000000000000000000000000000000000..d4abf7c7167e4482402b567edecb6a8b25b0a8e5 --- /dev/null +++ b/chunks/json/e07f424ad684205a1b073b7fa7d58031b48286d29cb3e32e92bba26fdc62280e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":668081,"char_start":666447,"chunk_id":"chk_2133e1c23d74d4f7","chunk_index":395,"chunk_sha256":"e07f424ad684205a1b073b7fa7d58031b48286d29cb3e32e92bba26fdc62280e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e07f424ad684205a1b073b7fa7d58031b48286d29cb3e32e92bba26fdc62280e","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"APPRAISER\nCERTIFICATION\n\nAppraiser\nor State License #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[\n@_Type=‘License’]/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nor Other (describe)\n\nAppraiser License\nType Other\nDescription\n\nA free form text field used to capture\nadditional information when Other is\nselected for Appraisal License Type.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[\n@_Type=‘Other’]/@_TypeOtherDescription\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[\n@_Type=‘Other’]/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState\n\nAppraiser License\nState\n\nThe state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/\n@_State\n\n50\n\n50\n\n25\n\n20\n\n2\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nAt least one of the fields 6-13, 6-14, 6-\n16 (Appraiser License Identifier and\nvalues of Appraiser License Type) is\nrequired unless the value of field 6-15\nis 'trainee'.\n\nAt least one of the fields 6-13, 6-14, 6-\n16 (Appraiser License Identifier and\nvalues of Appraiser License Type) is\nrequired unless the value of field 6-15\nis 'trainee'.\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n"} diff --git a/chunks/json/e08438619dd619359e99cc7ceabf6632577091dede5b48ad68be6ed8384519a0.json b/chunks/json/e08438619dd619359e99cc7ceabf6632577091dede5b48ad68be6ed8384519a0.json new file mode 100644 index 0000000000000000000000000000000000000000..35539427b3844010247cf71240813228b97b3f98 --- /dev/null +++ b/chunks/json/e08438619dd619359e99cc7ceabf6632577091dede5b48ad68be6ed8384519a0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":379992,"char_start":378373,"chunk_id":"chk_3400a992129c5fec","chunk_index":222,"chunk_sha256":"e08438619dd619359e99cc7ceabf6632577091dede5b48ad68be6ed8384519a0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e08438619dd619359e99cc7ceabf6632577091dede5b48ad68be6ed8384519a0","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The current phase number of a multi-\nphase development project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier\n\n20\n\n21\n\n22\n\nSUBJECT\n\nMap Reference\n\nSUBJECT\n\nCensus Tract\n\nMap Reference\nIdentifier\n\nCensus Tract\nIdentifier\n\nA reference to a regionally specific map\ndocument that assists in locating a\nproperty. May refer to locally available\npublished map products (e.g. Thomas\nMap in CA) or a county tax map.\n\nIdentifies census tract as defined by the\nU.S. Census Bureau where subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@MapReferenceI\ndentifier\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@CensusTractId\nentifier\n\nSUBJECT\n\nOccupant\nOwner\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType=‘OwnerOccupied’]\n\n10\n\n30\n\n25\n\n15\n\nThe legal phase number of the subject unit.\n\nThis data is referenced more than once on the form (fields 1-19, 3-14), and should be\nrepresented consistently.\n\nString\n\nString\n\nString\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-22, 1-23,\n1-24 (values of Property Current\nOccupancy Type) must be indicated.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 82 of 211\n\nDocument Version 1.4\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\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"} diff --git a/chunks/json/e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07.json b/chunks/json/e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07.json new file mode 100644 index 0000000000000000000000000000000000000000..abe60acc1eb868201b3857d1a7b6af5e37771f68 --- /dev/null +++ b/chunks/json/e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13714,"char_start":11593,"chunk_id":"chk_542c283a40eeda3e","chunk_index":6,"chunk_sha256":"e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"mortgage; (B) the loan-to-value ratio of\nthe mortgage, which shall reflect any\nsecondary liens on the relevant\nproperty; (C) the terms of the mortgage;\n(D) the creditworthiness of the\nborrower; and (E) any other relevant\ndata, as determined by the Director.’’\nFHFA is continuing to assess the\nmortgage data elements that are needed\nto implement section 1324(b)(6), and\nwill issue a subsequent Order,\napplicable to the PUDB for 2009, that\nimplements this section after it has\ncompleted its analysis.2\n\nSection 1323, as amended, also\nincludes a new paragraph (d) which\nstates that data submitted under this\nsection by an Enterprise shall be made\npublicly available no later than\nSeptember 30 of the year following the\nyear to which the data relates. 12 U.S.C.\n4543(d).3\n\nC. Description of Enterprise Reporting\nand PUDB Matrices\n\nFrom 1993 to 2005, HUD took a\n\nnumber of regulatory and administrative\nactions to establish and maintain a\nPUDB, and to withhold from disclosure\nin the PUDB certain Enterprise mortgage\ndata that HUD had determined to be\nproprietary information and to release to\nthe public Enterprise mortgage data that\nHUD had determined to be non-\nproprietary. FHFA’s revisions discussed\nin this Notice of Order have been made\nto the PUDB matrices as set forth in\nHUD’s October 4, 2004 Final Order. See\n69 FR 59476. The PUDB matrices are\ndata dictionaries, attached as an\nAppendix to this Notice of Order, which\ndescribe the data fields provided in the\npublic release of the data in the PUDB.\n\nThe PUDB contains Enterprise single-\n\nfamily and multifamily mortgage loan-\nlevel data, including data elements that\nhave been determined to lose their\nproprietary character when categorized\nin ranges or otherwise adjusted or\nrecoded. For single-family mortgage\ndata, there are three separate files: a\nCensus Tract File that identifies the\ncensus tract location of the mortgaged\nproperties; a National File A containing\nloan-level data on owner-occupied one-\nunit properties but without census tract\nidentifiers; and a National File B\ncontaining unit-level data on all single-\nfamily properties without census tract\n"} diff --git a/chunks/json/e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc.json b/chunks/json/e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc.json new file mode 100644 index 0000000000000000000000000000000000000000..31cd817a18ea521ebbe277cfd060df45803024da --- /dev/null +++ b/chunks/json/e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22180,"char_start":21452,"chunk_id":"chk_783afa02ae8a1a3b","chunk_index":22,"chunk_sha256":"e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc","token_estimate":414,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Financing Arrangement\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:22)\n\nYear\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:26)\n\nVersion\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:27)\n\nRating\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:28)\n\nScore\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:22)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n"} diff --git a/chunks/json/e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69.json b/chunks/json/e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69.json new file mode 100644 index 0000000000000000000000000000000000000000..fe643697c64a47df223bdebc957283524e475bad --- /dev/null +++ b/chunks/json/e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69.json @@ -0,0 +1 @@ +{"chunk":{"char_end":356926,"char_start":355154,"chunk_id":"chk_0d286ababbfb135d","chunk_index":290,"chunk_sha256":"e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69","token_estimate":443,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Arcrole relationships establish “relationships” or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using “xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nThere are four arcrole relationships relevant to the Prior Sales and Transfer History section.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 273\n\n• Subject Property\n\no DATA_SOURCE to SALES_HISTORY\no DATA_SOURCE to PriorSalesOrTransfersIndicator\n\n• Sales Comparable\n\no DATA_SOURCE to SALES_HISTORY\no DATA_SOURCE to PriorSalesOrTransfersIndicator\n\nDATA_SOURCE to SALES_HISTORY (Subject Property)\n\nWhen the data source is associated with a subject property, provide the relationship that joins the applicable instance of SALES_HISTORY\nwhere the ValuationUseType = \"SubjectProperty\" and there are prior sales or transfers.\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n0800.0042 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_SALES_HISTORY\n\n0800.0043 RELATIONSHIP\n\n0800.0044 RELATIONSHIP\n\n0800.0037\n\nSALES_HISTORY\n\n0700.0124 DATA_SOURCE\n\n@xlink:from\n\n@xlink:to\n\n@xlink:label\n\n@xlink:label\n\nDATA_SOURCE_n\n\nSALES_HISTORY_n\n\nSALES_HISTORY_n\n\nDATA_SOURCE_n\n\nDATA_SOURCE to SALES_HISTORY (Sales Comparable)\n\nWhen the data source is associated with a sales comparable, provide the relationship that joins the applicable instance of SALES_HISTORY\nwhere the ValuationUseType = \"SalesComparable\" and there are prior sales or transfers.\n"} diff --git a/chunks/json/e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268.json b/chunks/json/e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268.json new file mode 100644 index 0000000000000000000000000000000000000000..93ac78488a5ef9a2d6b67a0a9a8a55d86d6ffe1c --- /dev/null +++ b/chunks/json/e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268.json @@ -0,0 +1 @@ +{"chunk":{"char_end":279234,"char_start":277519,"chunk_id":"chk_c315e5fc4590110b","chunk_index":164,"chunk_sha256":"e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268","token_estimate":429,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Note: If Yes, provide the source of information and additional details in\nManufactured Home Commentary (9.026).\n\nIndicates whether the manufactured home is attached to a permanent\nfoundation.\n\nNotes:\n•\n\n•\n\nAdditional information about the foundation is reported in the Exterior\nFeatures table in the Dwelling Exterior section.\nIf the foundation area is readily accessible, a photo must be provided,\nwhich displays in Manufactured Home Exhibits. A caption must be\nprovided indicating “Foundation” and any other descriptive information\nas appropriate.\n\n9.004\n\nTowing Hitch,\nWheels, Axels\nRemoved\n\nAlways required\n\nYes | No\n\nIndicates whether the towing hitch, wheels, and axles have been removed from\nthe frame of the manufactured home.\nNote: If No, reference published guidelines by the GSEs, government agencies,\nor other identified secondary market participants for specific guidance.\n\n9.005 Manufactured\n\nAlways required\n\nSingle or Multi\n\nHome Width\n\nSingle (including multi-story single-width homes)\n\n•\n• Multi (manufactured in multiple sections and joined on site)\n\n9.006\n\nSkirting\n\nAlways required\n\nYes | No\n\nSkirting Exists: Indicates whether a non-structural enclosure of the foundation\ncrawl space exists.\n\n9.006\n\nSkirting\n\nRequired if Skirting\nExists is Yes\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAsbestos\nBrick\nCement Board\nConcrete Block\nEngineered Wood\nFiberglass\nLog\n\nSkirting Material\n•\n•\n•\n•\n•\n•\n•\n• Metal\n•\nPoured Concrete\n•\nVinyl\n• Wood\n•\nNote: If the skirting is readily accessible, a photo must be provided, which\ndisplays in Manufactured Home Exhibits. Provide a caption indicating “Skirting”\nand any other descriptive information as appropriate.\n"} diff --git a/chunks/json/e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840.json b/chunks/json/e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840.json new file mode 100644 index 0000000000000000000000000000000000000000..95129d20dafe2cb7c4381ecca026ff2afc5753b5 --- /dev/null +++ b/chunks/json/e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840.json @@ -0,0 +1 @@ +{"chunk":{"char_end":233205,"char_start":231607,"chunk_id":"chk_04ada8338a8c4aaf","chunk_index":119,"chunk_sha256":"e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. MAPPI NG GUI DANCE\n\na. 6.1 | 6.1.1 Closing Costs - even though the same data points are used for 9.1 | 9.1.1 J. TOTAL CLOSING\n\nCOSTS (Borrower-Paid), they appear only once in the XML file.\n\nb. 6.1.2 Loan Costs - even though the same data points are used for 7.8 | 7.8.1 D. TOTAL LOAN COSTS\n\n(Borrower-Paid), they appear only once in the XML file.\n\nc. 6.1.3 Other Costs even though the same data points are used for 8.18 | 8.18.1 I. TOTAL OTHER COSTS\n\n(Borrower-Paid), they appear only once in the XML file.\n\nAppendix E: UCD Implementation Guide\n\nPage 105 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n6.0 Costs at Closing\n\nd. 6.1.4 Lender Credits - even though the same data points are used for 9.3 | 9.3.2 Lender Credits, they\n\nappear only once in the XML file. Lender Credits is a subsection of Total Closing Costs so is in the same\nINTEGRATED_DISCLOSURE_SECTION_SUMMARY container.\n\ne. See V. Consolidated Mapping Guidance entries for Document Specific Data and Repeatable Containers.\n\n6. 2 CASH TO CLOSE\n\nThe representation on the Closing Disclosure of row 6.2 Cash to Close varies depending on whether this is a\npurchase or non-seller transaction. This value is also influenced by the total for Section K (11.0.1) on the\nSummaries of Transactions table. When this amount equals the total for Section L (12.0.1), the value for 6.2.1 is\n“0.” Figure 73 illustrates row 6.2 Cash to Close for a purchase transaction when cash is due from the\nborrower(s). The data points providing 6.2.1 Cash to Close amount are shown in the table below.\n\nCosts at Closing\n\n6.0\n\n6.1 Closing Costs\n\n6.1.1$9,712.10\n"} diff --git a/chunks/json/e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30.json b/chunks/json/e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30.json new file mode 100644 index 0000000000000000000000000000000000000000..af685da79b7c66f358fe7a8dd430fe0ed0f7e9cf --- /dev/null +++ b/chunks/json/e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30.json @@ -0,0 +1 @@ +{"chunk":{"char_end":362891354,"char_start":0,"chunk_id":"chk_7c64a156f20cc928","chunk_index":0,"chunk_sha256":"e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30","date_utc":"2026-01-27T18:12:58+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_b275ae6bb2151c12","text_sha256":"e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_sf_nfb/2024_PUDB_SF_NFB/2024_pudb_sf_nfb_fnma.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 1 | record_num_sf_nfb: 10000001 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 7 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000002 | metro: 0 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000003 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 1 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 2\nenterprise: 1 | record_num_sf_nfb: 10000004 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 5 | race_ethnicity_borr: 3 | race_ethnicity_coborr: 3 | sex_borr: 2 | sex_coborr: 1 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 1\nenterprise: 1 | record_num_sf_nfb: 10000005 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000006 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 1 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 2\nenterprise: 1 | record_num_sf_nfb: 10000007 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000008 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000009 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000010 | metro: 1 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000011 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 3 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 3 | race_ethnicity_coborr: 3 | sex_borr: 2 | sex_coborr: 1 | occupancy_sf_nfb: 3 | units_num: 1 | unit_own_occ: 2 | afford_sf: 4\nenterprise: 1 | record_num_sf_nfb: 10000012 | metro: 1 | tract\n"} diff --git a/chunks/json/e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34.json b/chunks/json/e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34.json new file mode 100644 index 0000000000000000000000000000000000000000..88de429194b2d1dd47692f06256da37b0fa50ff1 --- /dev/null +++ b/chunks/json/e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31035,"char_start":29423,"chunk_id":"chk_420215c75a184e6f","chunk_index":17,"chunk_sha256":"e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"For FHA, USDA, and VA, refer to the appropriate government agency appraisal\nguidelines.\n\nFree-form\n\nFor FHA, USDA, and VA, refer to the appropriate government agency appraisal\nguidelines.\n\nthe Lender, Client, or\nAMC\n\nAlways required for\nthe Lender, Client, or\nAMC\n\n04.007 Company\n\nAddress\n\nAMC Credentials\n\nAMC licensing information must be provided when required by the jurisdiction in which the subject property is\nlocated. If the client is not an AMC, or if not provided, this information does not display in this subsection.\n\nAssignment Information: Contact Information – AMC Credentials\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n04.008\n\nID\n\nIf applicable\n\nFree-form\n\n04.009\n\nState\n\nIf applicable\n\n2-letter USPS state\ncode\n\nDefinition / Additional Guidance\n\nCredential number issued by the state, referred to by the Appraisal\nSubcommittee (ASC) as “state registration tracking number.”\n\nState for the AMC credential that applies to the assignment.\n\n04.010 Expires\n\nIf applicable\n\nmm/dd/yyyy\n\nExpiration date for the AMC credential.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 16 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nAppraiser and Supervisory Appraiser\n\nThis portion of the Contact Information subsection shows details about the Appraiser and Supervisory\nAppraiser, if applicable. Contacts display in this subsection when Role is Appraiser or Supervisory Appraiser.\n\nAllowable Answer\n\nAppraiser\n\nSupervisory Appraiser\n\nAssignment Information: Role - Appraiser and Supervisory Appraiser\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4.json b/chunks/json/e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4.json new file mode 100644 index 0000000000000000000000000000000000000000..0c43475c723fb5b9a990d6f9bc203f80ded40826 --- /dev/null +++ b/chunks/json/e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4253,"char_start":2070,"chunk_id":"chk_ab4feb97657b7221","chunk_index":1,"chunk_sha256":"e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4","token_estimate":545,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf"]},"text":"Income Types Eligible for Validation from Authorized Providers\n\nThe following income types are eligible for income validation using an asset verification report obtained from an authorized\nprovider. Wage income is also eligible for employment validation.\n\nWage Income & Employment\n\nNon-Wage Income\n\nAuthorized Report Providers\n\n▪ Base\n ▪ Bonus\n ▪ Overtime\n ▪ Commission\n\n▪ Alimony\n ▪ Child Support\n ▪ Disability\n ▪ Pension\n ▪ Social Security\n ▪ VA Benefit (Non-Education)\n\n▪ AccountChek by Informative Research\n ▪ Blend\n ▪ Finicity, a Mastercard Company\n ▪ FinLocker\n ▪ Plaid\n ▪ PointServ\n\nEmployment Validation\n\nA borrower’s employment may be validated when DU can attribute a direct deposit transaction history within the asset report\ndata to a borrower’s employment income source entered in DU. When employment is validated, the validation satisfies the\nSelling Guide requirement for verbal verification of employment described in B3-3.1-07, Verbal Verification of Employment.\nIf the loan will not close by the close-by date, employment validation can be updated if a lender obtains a more recent asset\nverification report and resubmits to DU for evaluation. If the updated asset data meets employment validation requirements, DU\n\n© 2024 Fannie Mae\n\n1 of 4\n\nwill provide employment validation with an updated close-by-date 15-days from the current as of date of the new report. Note\nthat this will result in a reevaluation of income validation based on the new asset verification report and could result in a new\noutcome such as the loss of income validation.\n\nAlternatively, lenders can order a supplemental deposit-based verification report from the same report supplier that provided the\ninitial report and manually confirm that evidence of the most recent deposit related to employment is present and that it\nmatches the direct deposit description from the original asset verification report as referenced in the DU message. This manual\nemployment confirmation process (outside of DU) will not result in relief from representations and warranties. For more\ninformation regarding deposit-based verification reports, a lender should contact their authorized report provider.\n"} diff --git a/chunks/json/e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac.json b/chunks/json/e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac.json new file mode 100644 index 0000000000000000000000000000000000000000..c013cd2315114f348794fcb69e71548af81e3a74 --- /dev/null +++ b/chunks/json/e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27126,"char_start":25520,"chunk_id":"chk_0451e82affb47a65","chunk_index":8,"chunk_sha256":"e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md"]},"text":"[Learn more **](/applications-technology/applications-technology)\n\n![Fannie Mae events booth](/sites/g/files/koqyhd181/files/2020-01/events-img_4735-850x480_0.jpg)\n\n### News & Events\n\nJanuary 27, 2026\n\n[In Case You Missed It: Policy Updates](/in-case-you-missed-it-policy-updates)\n\nJanuary 26, 2026\n\n[Available Now in Broad Production: UAD 3.6 and Forms Redesign](/news-events/available-now-broad-production-uad-36-and-forms-redesign)\n\nDecember 18, 2025\n\n[Controlling For Collateral Defects](/originating-underwriting/loan-quality/quality-insider/december-2025)\n\n[View all News & Trends **](/news-events)\n\n### Initiative Updates\n\nSeptember 26, 2024\n\n[Reconsideration of Value](/initiative-updates/reconsideration-value-rov)\n\nFEBRUARY 14, 2024\n\n[Attorney Opinion Letter](/initiative-updates/attorney-opinion-letter)\n\n[View all of our initiatives](/initiative-updates)\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"} diff --git a/chunks/json/e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7.json b/chunks/json/e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7.json new file mode 100644 index 0000000000000000000000000000000000000000..15f7c119c4ad89a70e55cb97a5f20aa0ba8d5172 --- /dev/null +++ b/chunks/json/e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":523291,"char_start":521357,"chunk_id":"chk_431b565523fe69d3","chunk_index":308,"chunk_sha256":"e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7","token_estimate":484,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@Pa\nrkingSpaceIdentifier\n\nUNIT\nDESCRIPTION\n\nFinished area above grade\ncontains\nRooms\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalRoomCount\n\n283\n\n2\n\n81\n\nUNIT\nDESCRIPTION\n\nFinished area above grade\ncontains\nBedrooms\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBedroomCount\n\n7\n\n2\n\n8\n\n8\n\n7\n\n2\n\n2\n\nEnumerated\n\nA separate car storage location element must be populated for each box that is checked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nEnumerated\n\nEnumerated\n\nString\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bedrooms Only\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\n284\n\n2\n\n82\n\nUNIT\nDESCRIPTION\n\nFinished area above grade\ncontains\nBath(s)\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBathroomCount\n\n5\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bathrooms Only\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\nIf field 2-72 (Car Storage Exists\nIndicator = 'N') is indicated than none\nof fields 2-73, 2-74, 2-75 (Car Storage\nLocation Exists Indicator = 'Y' and\nvalues of Car Storage Location Type),\nfields 2-77, 2-78 (values of Parking\nSpace Assignment Type), field 2-76\n(Parking Spaces Count), field 2-79\n(Parking Spaces Identifier) should be\nindicated. If field 2-72 is not indicated\nthen at least one of fields 2-73, 2-74, 2-\n75 (Car Storage Location Exists\nIndicator = 'Y' and values of Car\nStorage Location Type) should be\nindicated.\n"} diff --git a/chunks/json/e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252.json b/chunks/json/e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252.json new file mode 100644 index 0000000000000000000000000000000000000000..159b95df7cb4545d5ab526290b02d7df752e7549 --- /dev/null +++ b/chunks/json/e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252.json @@ -0,0 +1 @@ +{"chunk":{"char_end":524687,"char_start":523057,"chunk_id":"chk_cbba08a099dc652d","chunk_index":311,"chunk_sha256":"e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Uniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Project Information\n\nNone, Existing, or\nProposed\n\nProject Information\n•\nSpecial\nAssessment\nAmount Type\n18.072\n\n22.02.04\n22.02.09\n\nSpecial\nAssessments\n\nWhen Special\nAssessment\nAmount Type\nfor the subject\nproperty is\nExisting or\nProposed, or if\nrelevant\n(special\nassessments\nfor any\ncomparable\nare known to\nthe appraiser)\n\nRequired when the\ncomparable is in a\ncondo, co-op, condop,\nor PUD and:\n•\nSpecial\nAssessment\nAmount Type for\nsubject property\nis Existing or\nProposed, or\nThe row is\nincluded in the\nsales comparison\ngrid\n\n•\n\nSite\n\nThe Site subsection always displays on the sales comparison grid.\n\nNo\n\n•\n•\n•\n\nNone\nExisting\nProposed\n\nNotes:\n•\n\n•\n\nThe appraiser must analyze and report project special assessments\nfor the subject and comparables.\nIf the subject unit’s special assessment has been paid in full, this\nmust be addressed in Reconciliation of Sales Comparison Approach\n(22.16.01).\n\n• When included, provides support for the Project Information\n\nadjustment (22.02.05).\n\nAppendix F-1: URAR Reference Guide\n\nPage 227 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Site\n"} diff --git a/chunks/json/e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8.json b/chunks/json/e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8.json new file mode 100644 index 0000000000000000000000000000000000000000..83b0f3c185cff42c31c352f003fcb238c9ea6497 --- /dev/null +++ b/chunks/json/e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49727,"char_start":48065,"chunk_id":"chk_24fd06e57ad751c6","chunk_index":25,"chunk_sha256":"e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"ClosingCostSourceType: Identifies the source or contributor of funds used for\n\nthe closing cost.\n\nIf a borrower provided $500 toward his/her closing costs from his/her checking\naccount, this would be communicated with ClosingCostContributionAmount =\n“500,” ClosingCostFundsType = “CheckingSavings,” and\nClosingCostSourceType = “Borrower.”\n\nDownPaymentAmount: The dollar amount of the borrower’s Down Payment\nType. Collected on the URLA in Section II (Source of Down Payment).\n\nDownPaymentType: Specifies the general names (type) of items commonly\n\nused for a down payment by the borrower(s) in a mortgage loan transaction.\nThis may be collected on the URLA in Section II (Source of Down Payment).\n\nDownPaymentSourceType: Specifies the entity providing funds for the down\n\npayment.\n\nIf a local agency provided a $3,000 grant toward the borrower’s down\npayment, this would be communicated with DownPaymentAmount = “3000,”\nDownPaymentType = “Grant,” and DownPaymentSourceType =\n“LocalAgency.”\n\nMICurrentAnnualPremiumAmount: The current dollar amount paid per year for\n\nmortgage insurance.\n\nMIPremiumPaymentType: Defines how the premium payment is paid.\n\nMIPremiumSourceType: Defines the source of the MI premium payment.\n\nA loan with a $2,000 annual premium for mortgage insurance paid by the\nborrower through an escrow account would be communicated with\nMICurrentAnnualPremiumAmount = “2000,” MIPremiumPaymentType =\n“Escrowed,” and MIPremiumSourceType = “Borrower.”\n\nNotes: Refer to each GSE’s Implementation Guide for instructions on accepted\n\nvalid values and usage.\n\n7. Sensitive Information\n\nSee Section VI. V3.0 Reference Model Features Not Used in the ULDDS.\n"} diff --git a/chunks/json/e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4.json b/chunks/json/e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4.json new file mode 100644 index 0000000000000000000000000000000000000000..08c27afb6b6c91ba60a7d774a000aeead8bbeee4 --- /dev/null +++ b/chunks/json/e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3554,"char_start":1894,"chunk_id":"chk_2101b48554747200","chunk_index":1,"chunk_sha256":"e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5c230171c77d6892","text_sha256":"e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4","token_estimate":415,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Use_Database___FHFA.md"]},"text":"Both the single-family and multifamily datasets include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. New since the 2018 PUDB is the inclusion of property size data at the census tract level.\n\n### History\n\nPrior to 2010, the Enterprise single-family PUDB consisted of three files: Census Tract, National A, and National B files. With the 2010 Enterprise PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The single-family Census Tract file includes information on the location of the property based on the 2010 Census for acquisition years 2012 through 2021, and the 2020 Census beginning with the 2022 acquisition year. The National files contain other information but lack detailed geographic information in order to protect Enterprise proprietary data. The multifamily datasets also consist of a Census Tract file, and a National file without detailed geographic information.\n\n### Current Release Notes\n\nHistorically, the Enterprise PUDB has been released in TXT (text) format without a header row. The 2024 Enterprise PUDB release presents the data in two formats. The 2024 release includes the TXT format without a header row that has been used historically. The 2024 release also presents the same data in CSV (Comma Separated Value) format with a header row. *Note that FHFA plans to discontinue publication of the TXT format version beginning with the 2025 Enterprise PUDB release in September 2026, so that only the CSV format with a header row will be available in future years*.\n"} diff --git a/chunks/json/e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb.json b/chunks/json/e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb.json new file mode 100644 index 0000000000000000000000000000000000000000..af3c02dc217d819088f1024cb744e87234f73f23 --- /dev/null +++ b/chunks/json/e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32662,"char_start":31047,"chunk_id":"chk_47459b0e6d6bdc0b","chunk_index":19,"chunk_sha256":"e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb","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":"$(2,000)\n\nPatio | Porch\n\nIndoor\nFireplace - 2\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached 626 Sq. Ft.\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached\n\nDriveway | 4 | Asphalt\nGarage | 2 | Attached\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached\n\n$10,000\n\n$895,000\n\n$895,000\n\n$905,000\n\n—\n\n$905,000\n\n$(5,500)\n\n$566\n\n$899,500\n\nLess\n\n$827,000\n\n—\n\n$835,000\n\n$83,650\n\n$619\n\n$918,650\n\nLess\n\n$899,000\n\n—\n\n$905,000\n\n$(12,250)\n\n$548\n\n$892,750\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$900,000\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 16 of 24\nPage 16 of 24\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\n8675309 Jenny Ln\nAnytown, IL 54321\n\n23412 Josephine St\nAnytown, IL 54321\n\nThis is where the Dwelling\nFront photo would display.\n\nThis is where the\nComparable 4 photo\nwould display.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nTransfer Terms\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSame Builder as Subject\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nCommon Amenities/Services\n\nSite\n\nSite Owned in Common\n\nSite Size\n\nNeighborhood Name\n\nSite Influence (Location)\n"} diff --git a/chunks/json/e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54.json b/chunks/json/e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54.json new file mode 100644 index 0000000000000000000000000000000000000000..6a4614a7ec83284276f4c2a4760ae228bcc47b61 --- /dev/null +++ b/chunks/json/e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":530076,"char_start":528336,"chunk_id":"chk_3b511448b8c783c7","chunk_index":301,"chunk_sha256":"e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2.3 |\n23.1.1\n\nLender (Name)\n\n“NotePayTo”\n\n23.5.1\n\nLender Contact\n\n“NotePayTo”\n\n23.1.1\n\n23.5.2\n\n23.1.3\n\nMortgage Broker\nName\nMortgage Broker\nContact\nReal Estate Broker\n(B) Name\n\n“MortgageBroke\nr”\n“MortgageBroke\nr”\n“RealEstateAgen\nt”\n\n“ClosingAgent” is equivalent to\nSettlement Agent\nLEGAL_ENTITY\n“ClosingAgent” is equivalent to\nSettlement Agent\nINDIVIDUAL\nINDIVIDUAL_AND_LEGAL_ENTITY, as\napplicable\nSelect applicable role for the\ntransaction\nINDIVIDUAL_AND_LEGAL_ENTITY, as\napplicable\nUse “Other” with\nOtherTypeDescription value if\napplicable\n\n“Property Seller” is equivalent to\nSeller\nINDIVIDUAL AND LEGAL_ENTITY, as\napplicable\n“NotePayTo” is closest to the\ndefinition of “Lender” in the Reg\nLEGAL_ENTITY\n“Note Pay To” is closest to the\ndefinition of “Lender” in the Reg\nINDIVIDUAL\nLEGAL_ENTITY\n\nINDIVIDUAL\n\n“RealEstateAgent” is equivalent to\n“Real Estate Broker”\n\nAppendix E: UCD Implementation Guide\n\nPage 248 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nV. Consolidated Mapping Guidance\n\nTopic\n\nGuidance\n\nTable 160. Consolidated Mapping Guidance\n\n23.5.5\n\nReal Estate Broker\n(B) Contact\n\n“RealEstateAgen\nt”\n\n23.1.4\n\nReal Estate Broker\n(S) Name\n\n“RealEstateAgen\nt”\n\n23.5.4\n\nReal Estate Broker\n(S) Contact\n\n“RealEstateAgen\nt”\n\nRealEstateAgentType = “Selling”\nmust be used to fully identify this\nfield\nLEGAL_ENTITY\n“RealEstateAgent” is equivalent to\n“Real Estate Broker”\nRealEstateAgentType = “Selling”\nmust be used to fully identify this\nfield\nINDIVIDUAL\n“RealEstateAgent” is equivalent to\n“Real Estate Broker”\nRealEstateAgentType = “Listing”\nmust be used to fully identify this\nfield\nLEGAL_ENTITY\n“RealEstateAgent” is equivalent to\n“Real Estate Broker”\nRealEstateAgentType = “Listing”\nmust be used to fully identify this\nfield\nINDIVIDUAL\n"} diff --git a/chunks/json/e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396.json b/chunks/json/e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396.json new file mode 100644 index 0000000000000000000000000000000000000000..f0a3ac6ac25eef46414b63f5203cd600f40d5590 --- /dev/null +++ b/chunks/json/e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8548,"char_start":7068,"chunk_id":"chk_b5d2a1de842e7541","chunk_index":4,"chunk_sha256":"e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_16420b94ef371d43","text_sha256":"e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Pu_alr1i.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - [Uniform Appraisal Dataset (UAD) Aggregate Statistics](/data/uad)\n - Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)\n\n# Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)\n\n### Version 2.1 (2/4/2025)\n"} diff --git a/chunks/json/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.json b/chunks/json/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.json new file mode 100644 index 0000000000000000000000000000000000000000..3cac2957be222f3cead8b0df90cfc8c5ad5cfc47 --- /dev/null +++ b/chunks/json/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16330,"char_start":14300,"chunk_id":"chk_c97819ef10cadf77","chunk_index":7,"chunk_sha256":"e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f","token_estimate":508,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"After considering these various\noptions, FHFA has decided to define\n‘‘high-cost’’ loans by reference to the\nHMDA rate spread. The HMDA rate\nspread is a data field reported by\nlenders pursuant to HMDA that is\nreleased annually by the Federal\nFinancial Institutions Examination\nCouncil (FFIEC). These loans are\nidentified in Federal Reserve Board\n(FRB) analyses as ‘‘higher-priced’’\n\nVerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00036 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\28SEN1.SGM 28SEN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nN\nV\nT\nP\nS\n5\nK\nS\nD\nn\no\n\ns\nt\nr\ne\nb\no\nr\ns\n\nFederal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices\n\n60033\n\nloans.3 For 2010 and beyond, the HMDA\nrate spread represents the difference\nbetween the Annual Percentage Rate\n(APR) and a survey-based estimate of\nAPRs currently offered on prime\nmortgage loans of a comparable type.\nFor mortgage loans with an application\ndate prior to October 1, 2009, the\nminimum rate spread that must be\nreported by lenders for first liens is\ngenerally 3.0 percent. For mortgage\nloans with an application date on or\nafter October 1, 2009, the minimum rate\nspread that must be reported by lenders\nfor first liens is 1.5 percent.4 See 12 CFR\n203.4(a)(12). FHFA will use the HMDA\nrate spread data in FHFA’s databases to\nselect the ‘‘high-cost’’ loans for\ninclusion in National File C.\n\nFHFA has adopted the HMDA rate\nspread definition as the definition of\n‘‘high-cost’’ because it has a logical\nrelation to heightened cost by virtue of\nbeing a rate spread, is simple and\nwidely understood, and because the\nEnterprises have purchased significant\nnumbers of such loans, it appears to\ndivide loans into categories in a way\nthat meaningfully implements the\nstatutory purpose.5 Further, because the\nEnterprises may continue to purchase\nloans with HMDA rate spreads, the\nEnterprises and FHFA have processes to\ncapture this loan data for inclusion in\nthe PUDB and for performing the\ncomparative analysis, thereby enabling\nimplementation of the HERA\nrequirement.\n"} diff --git a/chunks/json/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.json b/chunks/json/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.json new file mode 100644 index 0000000000000000000000000000000000000000..df8a15e570350a99052005b180b8f51d35130a4a --- /dev/null +++ b/chunks/json/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.json @@ -0,0 +1 @@ +{"chunk":{"char_end":545280,"char_start":543677,"chunk_id":"chk_f35ac77137b598b8","chunk_index":314,"chunk_sha256":"e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Level and Room Detail\n\nLevel in Unit\nLevel B1\n\nQuality and Condition\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nBelow Grade\nVacant\nNo\n1\n1\n0\n\n0 Sq. Ft.\n0 Sq. Ft.\n704 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nYes\nAssessor Record\nYes\nExterior Access Only\nNo\n\nYes No\n \n\nGrade Level Detail\nPartially Below Grade\nExterior Access Only\nWalk Out\n\nFinish\nFinished\n\nArea\n704 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Bedroom\n1 - Kitchen\n1 - Living Room\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel B1\n\nBath - Full\nLevel B1\n\nUpdate Status\nFully Updated\n\nTime Frame\n5-10 years\n\nFully Updated\n\n5-10 years\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nQuality Comment\nStandard builder grade\ncabinets, materials, and\nappliances\n\nStandard builder grade\ncabinets, materials, and\nappliances\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted.\n\nTypical Wear and Tear\n\nNo damage or condition\nissues noted.\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 10 of 22\nPage 10 of 22\n\nUnit Interior - ADU (continued)\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCeramic Tile\n\nLaminate\n\nWalls and Ceiling\n\n8 Ft. | Flat\n"} diff --git a/chunks/json/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.json b/chunks/json/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.json new file mode 100644 index 0000000000000000000000000000000000000000..d1ad22889723779ef17d05072b1ef7c026c8ee99 --- /dev/null +++ b/chunks/json/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":65114,"char_start":63377,"chunk_id":"chk_06736581c8b971ea","chunk_index":53,"chunk_sha256":"e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"09.025\n\n[Role]\n\n09.026\n\n[Signature]\n\n09.028\n\n[Contact name]\n\n09.027\n\n09.029\n\nDate of Signature\nand Report\nLevel\n\n2200.0136\n2200.0147\n\nPartyRoleType\n\n2400.0041\n2400.0042\n2400.0043\n2400.0044\n\nFirstName\nLastName\nMiddleName\nSuffixName\n\nWhen PartyRoleType (UID: 2200.0136) = \"Appraiser\" or PartyRoleType\n(UID: 2200.0147) = \"AppraiserSupervisor\" display “Appraiser” first and,\nwhen applicable, “Supervisory Appraiser” below the appraiser (Figure 09\n– 2)\nArcrole\n\nFirstName and LastName always display.\nMiddleName and SuffixName display when provided.\n\n2200.0002\n\nExecutionDate\n\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\"\n\n2400.0051\n\nAppraiserLicenseType When PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\"\n\n09.030\n\nID\n\n2400.0054\n\nLicenseIdentifier\n\n09.031\n\nState\n\n2400.0055\n\nLicenseIssuingAuthority\nStateCode\n\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\" AND\nAppraiserLicenseType <> \"None\"\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\" AND\nAppraiserLicenseType <> \"None\"\n\nReport\nField ID\n\nReport Label\nName\n\nUnique ID\n\nMISMO Data Point\nName\n\nDisplay Rules\n\n09.032\n\nExpires\n\n2400.0053\n\nLicenseExpirationDate\n\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\" AND\nAppraiserLicenseType <> \"None\"\n\nSignature\n\nFigure 09 - 1\n\nPage 54\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML data, specific\ninstances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n"} diff --git a/chunks/json/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.json b/chunks/json/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.json new file mode 100644 index 0000000000000000000000000000000000000000..6f5dcf44186de509a45d8b2ddaf13d916363d28d --- /dev/null +++ b/chunks/json/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29348,"char_start":28675,"chunk_id":"chk_67f1629e1f4ebfd0","chunk_index":30,"chunk_sha256":"e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f","token_estimate":421,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"10.056.1 | 10.056.2\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:54)(cid:79)(cid:74)(cid:71)(cid:80)(cid:83)(cid:78)(cid:1)(cid:51)(cid:70)(cid:84)(cid:74)(cid:69)(cid:70)(cid:79)(cid:85)(cid:74)(cid:66)(cid:77)(cid:1)(cid:34)(cid:81)(cid:81)(cid:83)(cid:66)(cid:74)(cid:84)(cid:66)(cid:77)(cid:1)(cid:51)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)(cid:1)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n"} diff --git a/chunks/json/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.json b/chunks/json/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.json new file mode 100644 index 0000000000000000000000000000000000000000..52e05be027822c9c6992eb35561df6fe36fceeed --- /dev/null +++ b/chunks/json/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":287553,"char_start":285819,"chunk_id":"chk_7a65af8d6d9d7aa6","chunk_index":169,"chunk_sha256":"e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The financing program for which the manufactured home is designed to be\neligible, as shown on a label in the home that identifies it as being eligible for\ndesignated financing options.\n•\n•\n•\nNotes:\n•\n\nFannie Mae MH Advantage\nFreddie Mac CHOICEHome\nOther (Describe)\n\nIf there are no certifications, do not select an answer and this subsection\ndoes not display.\nA photo of each certification label must be provided, which displays in\nManufactured Home Exhibits with the caption “Manufactured Home\nCertification”. An additional caption may be provided to further identify\nthe photo.\n\n•\n\n9.019\n\nIdentifier\n\nRequired for each\nidentified certification\n\nFree-form\n\nIdentifies the manufactured home's eligibility for the associated financing\nprogram (e.g., Freddie Mac CHOICEHome Number, Fannie Mae MH Advantage\nIdentification Number).\n\nInvoice Information\n\nThis subsection displays when the property is new construction (New Construction (3.017) is Yes).\n\nReport\nField ID\n\n9.020\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nManufactured Home – Dwellings – Invoice Information\n\nPurchased from\nRetailer\n\nRequired if New\nConstruction is Yes\n\nYes | No\n\nIndicates whether the manufactured home was purchased from a retailer.\n\n9.021\n\nRetailer Name\n\nRequired if Purchased\nfrom Retailer is Yes\n\nFree-form\n\n9.022\n\nRetailer’s Invoice\nReviewed\n\nRequired if Purchased\nfrom Retailer is Yes\n\nYes | No\n\nIndicates whether the appraiser reviewed and analyzed the retailer’s invoice.\n\nNote: A photo or image of the invoice may be provided, which displays in\nManufactured Home Exhibits. An additional caption must be provided\nindicating “Retailer’s Invoice” and any other descriptive information as\nappropriate.\n"} diff --git a/chunks/json/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.json b/chunks/json/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.json new file mode 100644 index 0000000000000000000000000000000000000000..af59f12f48ae6eb9b89c3a918b0885dc5c877cd8 --- /dev/null +++ b/chunks/json/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49769,"char_start":48100,"chunk_id":"chk_5d5f48402589593c","chunk_index":28,"chunk_sha256":"e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c","token_estimate":417,"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":"Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 23 of 24\nPage 23 of 24\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\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"} diff --git a/chunks/json/e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b.json b/chunks/json/e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b.json new file mode 100644 index 0000000000000000000000000000000000000000..99d81c440c927f0b11cf59cb036ebe294e610f04 --- /dev/null +++ b/chunks/json/e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6702,"char_start":4997,"chunk_id":"chk_929842b348291160","chunk_index":3,"chunk_sha256":"e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"o Appraisal 3 is optional, can be revised, and can be deleted if not required.\n\n• Within each sequence, up to two additional reports, either a Restricted Appraisal Update Report or a Completion\n\nReport, can be submitted. The reports are automatically assigned to the corresponding URAR in that sequence.\n\no Restricted Appraisal Update Report can be revised or deleted, if not required.\n\no Completion Report can be revised or deleted, if not required.\n\nA URAR “anchors” each appraisal sequence. You must first submit the URAR before submitting a corresponding Restricted\nAppraisal Update Report or Completion Report.\n\nLoan Metadata – Document File ID\n\nAppraisal 1 – Appraisal Report (URAR)\n\nRequired\n\nUpdate or Completion Report\n\nUpdate or Completion Report\n\nAppraisal 2 – Appraisal Report (URAR)\n\nUpdate or Completion Report\n\nUpdate or Completion Report\n\nAppraisal 3 – Appraisal Report (URAR)\n\nUpdate or Completion Report\n\nUpdate or Completion Report\n\nTool Tip: The layout of the UCDP UAD 3.6 “Appraisal: View/Edit” page is designed to mirror the sequence structure of a\nsubmission. Each appraisal sequence is represented by a separate tab in the UI. Once a new URAR is submitted to UCDP, you\ncan submit the corresponding update and/or completion report file under the same tab associated with that sequence. For\nmore details on uploading appraisal sequences in the UCDP UI, refer to the UCDP User Guide | Fannie Mae or the UCDP\nUser Guide | Freddie Mac.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n"} diff --git a/chunks/json/e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d.json b/chunks/json/e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d.json new file mode 100644 index 0000000000000000000000000000000000000000..17333ea54c50bd1eb1d68e70667ea37801a90fc6 --- /dev/null +++ b/chunks/json/e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1710,"char_start":0,"chunk_id":"chk_477b6a4a25b39727","chunk_index":0,"chunk_sha256":"e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d","date_utc":"2026-01-27T17:54:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_223c8a445333d03a","text_sha256":"e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/_FHFA_AT_A_GLANCE___FHFA_p5jwtp.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about\"\ndate_accessed: \"2026-01-27T17:54:20.238Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.json b/chunks/json/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.json new file mode 100644 index 0000000000000000000000000000000000000000..097f9bf594ec9379227a72836b31613cde025670 --- /dev/null +++ b/chunks/json/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10402,"char_start":8746,"chunk_id":"chk_980c696c106e27b2","chunk_index":7,"chunk_sha256":"e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"Purpose: Direct appraisers to use section commentary only for text pertinent to the section and instruct\nusers to use discrete data fields rather than stating, “See attached addendum”, “See Addenda” or variations\nof those terms.\n\nIntegration with UAD Compliance API\n\n7.\n\nIntegrate with the GSEs’ UAD Compliance API to check data early and often to verify the data complies\nwith the UAD specification for conditionality and completeness.\n\nPurpose: Provides the ability to check and correct data early in the process to improve efficiency. This API\nwill check to ensure the XML is well formed based on the UAD Subschema; follows conditionality, cardinality,\nand completeness of the UAD Specification.\n\nSingle Source for Data Entry\n\n8. Have a single source of data entry when data displays in multiple areas of the report.\n\nPurpose: To minimize discrepancies and maximize data consistency throughout the report.\n\n• Data should flow to all appropriate areas.\n• Provide an alert or notice of the fields that are being pre-populated or changed.\n\nFor example, the subject property Quality and Condition ratings entered in the Overall Quality and\nCondition section should repopulate to the Sales Comparison Approach.\n\nTerminology\n\n9. Leverage the GSEs’ Guides to communicate unacceptable appraisal practices and flag unsupported\n\nassumptions, veiled language, or specific words for the appraiser.\nPurpose: To raise awareness of potentially prohibited language and/or practices.\n\nFocus on text fields where commentary, analysis, and descriptions are provided. For examples, reference the\nFannie Mae Selling Guide and Freddie Mac Single-Family Seller/Servicer Guide.\n"} diff --git a/chunks/json/e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e.json b/chunks/json/e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e.json new file mode 100644 index 0000000000000000000000000000000000000000..4c1d3ecd62c2f35a0a3a2cb9000d8b02430b0549 --- /dev/null +++ b/chunks/json/e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1740,"char_start":0,"chunk_id":"chk_220c9a4d5e191d51","chunk_index":0,"chunk_sha256":"e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6e497fb14fb24e0f","text_sha256":"e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Duty_to_Serve_Performance_Data___FHFA_tdui4f.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/duty-to-serve/performance-data\"\ndate_accessed: \"2026-01-27T17:54:20.568Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d.json b/chunks/json/e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d.json new file mode 100644 index 0000000000000000000000000000000000000000..0050a743ff64e6321f5853de3f07f8338fd6211e --- /dev/null +++ b/chunks/json/e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":74104,"char_start":72192,"chunk_id":"chk_6ab78cfee1476c8b","chunk_index":76,"chunk_sha256":"e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d","token_estimate":478,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Appraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nUniform Residential Appraisal Report\n\nHF.001\n\nPage [Page] of [Pages]\n\n29.000\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\n29.001\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153.json b/chunks/json/e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153.json new file mode 100644 index 0000000000000000000000000000000000000000..974ef94a01e09e11eb112eb064e1e0264a77b4f0 --- /dev/null +++ b/chunks/json/e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14412,"char_start":11152,"chunk_id":"chk_dc09dc66476e5d81","chunk_index":6,"chunk_sha256":"e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_62f60d587da08a14","text_sha256":"e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153","token_estimate":815,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHLBank_Targeted_Mission_Activities___U_S__FEDERAL_by92zc.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13411&order=field_release_date&sort=asc) Report Attachment October 15, 2025 [2024 Federal Home Loan Bank Targeted Mission Report](/reports/fhlbank-targeted-mission-activities/2024) [Read Report](/document/2024-FHLB-Targeted-Mission-Report.pdf) October 17, 2024 [2023 FHLBank Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities/2023) [Read Report](/document/2023-fhlb-targeted-mission-activities-report-final.pdf) November 08, 2023 [2022 FHLBank Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities/2022) [Read Report](/document/2022-FHLB-Targeted-Mission-Report.pdf) September 27, 2022 [2021 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2021) [Read Report](/document/2021-lihcda-fhlbanks-report) October 12, 2021 [2020 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2020) [Read Report](/document/2020-low-income-housing-and-community-development) September 30, 2020 [2019 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2019) [Read Report](/document/2019-low-income-housing-and-community-development) October 08, 2019 [2018 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2018) [Read Report](/document/2018-low-income-housing-and-community-development) September 28, 2018 [2017 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2017) [Read Report](/document/2017-low-income-housing-and-community-development) October 02, 2017 [2016 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2016) [Read Report](/document/2016-low-income-housing-comm-dev) October 03, 2016 [2015 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2015) [Read Report](/document/2015-low-income-housing-comm-dev) October 20, 2015 [2014 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2014) [Read Report](/document/2014-low-income-housing-and-community-development) October 07, 2014 [2013 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2013) [Read Report](/document/2013-low-income-housing-and-community-development) October 29, 2013 [Low-Income Housing and Community Development Activities - FHLB System - 2012](/reports/fhlbank-targeted-mission-activities/2012) [Read Report](/document/low-income-housing-and-community-development-2011-0) April 19, 2013 [Low-Income Housing and Community Development Activities of the Federal Home Loan Bank System - 2011](/reports/fhlbank-targeted-mission-activities/2011) [Read Report](/document/low-income-housing-and-community-development-2011)\n"} diff --git a/chunks/json/e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80.json b/chunks/json/e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80.json new file mode 100644 index 0000000000000000000000000000000000000000..f5bb58328c170ea9f2b0cb6a920c7e6f18873178 --- /dev/null +++ b/chunks/json/e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80.json @@ -0,0 +1 @@ +{"chunk":{"char_end":352903,"char_start":351326,"chunk_id":"chk_eef84a0e3b513714","chunk_index":194,"chunk_sha256":"e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"11.0.1 Sum of items Due from the Borrower at Closing (K) and\n\n12.0.1 Sum of items Paid Already by or on Behalf of Borrower at Closing (L).\n\n13.0 CALCULATION section discloses the total amount due From or To the Borrower(s) at closing (13.3.1),\ncalculated as the difference between the section K and L subtotals (K less L). This amount must equal the\nCalculating Cash To Close table final amount (10.9.2). If subtotal K is more than subtotal L, then money is\nrequired from the Borrower and the “From Borrower” box is checked.\n\nAppendix E: UCD Implementation Guide\n\nPage 161 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 – 16.0 Summaries of Transactions - UPDATED\n\nSummaries of Transactions\nBORROWER’S TRANSACTION\n\n11.0 K. Due from Borrower at Closing\n\n0111.1 Sale Price of Property\n\n0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1\n\n0311.3 Closing Costs Paid at Closing (J)\n\n0411.4 Credit Card Balance to Finance Bank\n\n11.5 Adjustments (between borrower and seller)\n\n05 Tenant Security Deposit\n\n06 $500 Principal Reduction for exceeding legal\nlimits P.O.C. Lender\n\n11.3.1\n\n11.4.1\n\n11.5.1\n\n(11.0 – 16.0) Use this table to see a summary of your transaction\n\nSELLER’S TRANSACTION\n\n11.0.1 $252,347.30\n11.1.1 $240,000.00 0114.1 Sale Price of Property\n\n14.0 M. Due to Seller at Closing\n\n14.1.1\n 0214.2 Sale Price of Any Personal Property Included in Sale 14.2.1\n\n14.0.1\n\n$10,167.30\n$2,000.00\n\n14.3 (adjustments between borrower and seller)\n\n14.3.1\n\n$100.00 03\n\nAdjustments for Items Paid by Seller in Advance\n\nAdjustments for Items Paid by Seller in Advance\n"} diff --git a/chunks/json/e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0.json b/chunks/json/e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0.json new file mode 100644 index 0000000000000000000000000000000000000000..b2a78041647c76f6846d0a4c60d001a4dc5c9aad --- /dev/null +++ b/chunks/json/e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18199,"char_start":15501,"chunk_id":"chk_7fded4dbc67c83b8","chunk_index":9,"chunk_sha256":"e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0","token_estimate":801,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34886\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"\\/news\\/testimony\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"better_exposed_filters\":{\"datepicker\":true,\"datepicker_options\":[]},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5.json b/chunks/json/e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5.json new file mode 100644 index 0000000000000000000000000000000000000000..1a60ca49961e0d941aa83386692a33ebc4bb5eb2 --- /dev/null +++ b/chunks/json/e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":189523,"char_start":187782,"chunk_id":"chk_b5906df714801d92","chunk_index":110,"chunk_sha256":"e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5","token_estimate":436,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nNumeric\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nNumeric\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n247\n\n2\n\n11\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 1)\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g.,\n123 Main Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_St\nreetAddress\n\n60\n\nString\n\n248\n\n2\n\n12a\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty City\n\nThe city in which the subject property\nis located.\n\n/VALUATION_RESPONSE/PROPERTY/@_C\nity\n\n40\n\nString\n\n249\n\n2\n\n12b\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty State\n\nThe state in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/@_St\nate\n\n2\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28). The following address elements must be\nincluded in this field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or\npost-directional indicator)\n· Address unit designator and number (if applicable)\nThis data is referenced more than once on the form (fields 1-6, 2-11, 6-19) and\nmust be represented consistently to the extent that the available space permits.\n"} diff --git a/chunks/json/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.json b/chunks/json/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.json new file mode 100644 index 0000000000000000000000000000000000000000..6c60a67f716fc64290ceef4502be78844c64951b --- /dev/null +++ b/chunks/json/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7987,"char_start":7310,"chunk_id":"chk_26c9f5d4d7937eaa","chunk_index":11,"chunk_sha256":"e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9","token_estimate":604,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 21\n\n05 Completion Status ..................................................................................................................................................................................................... 23\n\nOverview ................................................................................................................................................................................................................................... 23\n"} diff --git a/chunks/json/e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a.json b/chunks/json/e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a.json new file mode 100644 index 0000000000000000000000000000000000000000..a7bdccba0a7ab774a3825e341d09e62326a0b194 --- /dev/null +++ b/chunks/json/e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1082055,"char_start":1080405,"chunk_id":"chk_620916a7746c3744","chunk_index":643,"chunk_sha256":"e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-139, 1-140, 1-141\n(values of Attachment Type) should be\nindicated.\nOne and only one of fields 1-139, 1-140, 1-141\n(values of Attachment Type) should be\nindicated.\nOne and only one of fields 1-139, 1-140, 1-141\n(values of Attachment Type) should be\nindicated.\nOne and only one of fields 1-142, 1-143, 1-144\n(values of Building Status Type) should be\nindicated.\nOne and only one of fields 1-142, 1-143, 1-144\n(values of Building Status Type) should be\nindicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 181 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n150\n\n151\n\n152\n\n1\n\n1\n\n1\n\n144\n\nIMPROVEMENTS Under Const.\n\nBuilding Status\nType\n\nSpecifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatus\nType='UnderConstruction']\n\n17\n\nEnumerated\n\n145\n\nIMPROVEMENTS Design (Style)\n\nStructure Design\nDescription\n\nA free-form text field used to describe the\nstructure's design.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@_DesignDescri\nption\n\n20\n\nString\n\ne-8\n\nIMPROVEMENTS Year Built\n\nGSE Year Built\nEstimation Indicator\n\nIndicates that the Year Built is estimated.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_E\nXTENSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSection\nOrganizationName='UNIFORM APPRAISAL\nDATASET']STRUCTURE_EXTENSION_SECTION_DATA/STRUCTUR\nE_INFORMATION/@GSEYearBuiltEstimationIndicator\n"} diff --git a/chunks/json/e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4.json b/chunks/json/e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4.json new file mode 100644 index 0000000000000000000000000000000000000000..9966983ca8eaf2d6a5868791f1c0ad87e5eef428 --- /dev/null +++ b/chunks/json/e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":351852,"char_start":350237,"chunk_id":"chk_37105ac154ec14cb","chunk_index":287,"chunk_sha256":"e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"FID: 21.006) with ValuationAnalysisCategoryType (UID: 1600.0009, FID: 21.006) = “SubjectPriorSalesAndTransferHistory”\n\nFigure 21 - 1\n\n➢ When there are one or more prior sales or transfers for the subject property, PriorSalesOrTransfersIndicator (UID: 0800.0005, FID:\n21.000) = “true”, information is required for each prior sale or transfer and must display on a separate line in the detail table.\n\nSubject Transfer History detail table:\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 270\n\n• Transfer Terms - When OwnershipTransferTransactionType (UID: 0800.0018, FID: 21.002)\n\no = “DeedTransferOnly”, display “Deed Transfer Only”\no = “Sale”, do not display OwnershipTransferTransactionType, display SaleType (UID 0800.0013, FID: 21.002) (e.g., Typically\n\nMotivated, Short Sale, Estate Sale, etc.)\n\n• Date – Display OwnershipTransferDate (UID: 0800.0011, FID: 21.003)\n• Amount – Display OwnershipTransferTransactionAmount (UID: 0800.0012, FID: 21.004) when provided, else display\n\nOwnershipTransferAmountNotAvailableReasonType (UID: 0800.0009, FID: 21.004)\n\n• Data Source – DataSourceType (UID: 0700.0125, FID: 21.005) Display one or more data sources for each sale or transfer. When there\n\nare multiple data sources display them stacked. (Figure 21 - 2)\n\no A relationship is required for each subject property data source. (See Arcroles/Data Relationships)\n\n• Analysis of Prior Sale and Transfer History of Subject Property – A comment is required in ValuationCommentText (UID: 1600.0008,\n\nFID: 21.006) with ValuationAnalysisCategoryType (UID: 1600.0009, FID: 21.006) = “SubjectPriorSalesAndTransferHistory”.\n"} diff --git a/chunks/json/e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e.json b/chunks/json/e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e.json new file mode 100644 index 0000000000000000000000000000000000000000..0f832f7159c50b572845fd2e0d9ccfe5314d7f33 --- /dev/null +++ b/chunks/json/e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1269471,"char_start":1267860,"chunk_id":"chk_adb5c1e5bf3eedec","chunk_index":752,"chunk_sha256":"e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor.\n\n50\n\n50\n\nString\n\nString\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\nName\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_Name\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_CompanyName\n\n50\n\n55\n\n50\n\nString\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n"} diff --git a/chunks/json/e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9.json b/chunks/json/e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9.json new file mode 100644 index 0000000000000000000000000000000000000000..1c7e8d046508c190128a25f64f445ea26783f641 --- /dev/null +++ b/chunks/json/e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":63134,"char_start":61487,"chunk_id":"chk_5eaf61bd5a68a36e","chunk_index":82,"chunk_sha256":"e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9","token_estimate":412,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“DDD table” refers to the Apparent Defects, Damages, Deficiencies table in\nthe relevant sections.\n\nTCH\n\nTCH (DDD TABLE)\n\nTB_sub-H1 – Dark Gray Bar in table\n\nUsed in table subsections.\n\nTEXT\n\n8/9 Myriad Pro Bold sets drop out white in cell with gray fill, 40% black.\n\nINDENT Align left and indent 4 points.\n\nTB_SUB-H1\n\nTB_sub-H1-R - Dark Gray Bar in table align right\n\nTwo cells used to show subtotal and totals.\n\nTEXT\n\n8/9 Myriad Pro Bold sets drop out white in cell with gray fill, 40% black.\n\nINDENT Align right in cell.\n\nTB_SUB-H1-R\n\nTB_SUB-H1-R\n\nTB-SCA_sub-H1 – Dark Gray Bar in Comparable Grids\n\nUsed in Sales Comparison Approach subsections.\n\nTEXT\n\n8/9 Myriad Pro Bold sets drop out white in row with gray fill, 80% black.\n\nINDENT Align left and indent 4 points.\n\nTB-SCA_SUB-H1\n\nAppendix E: Report Style Guide\n\nPage 29 of 90\n\nVersion 1.4\n\nTB-SCA_sub-H1-ADJ - Dark Gray Bar in Comparable Grids – Adjustable Row\n\nUsed in Sales Comparison Approach subsections.\n\nTEXT\n\n8/9 Myriad Pro Bold sets drop out white in row with gray fill, 80% black;\ncells defined by drop out white rules. Adjustment cells show drop out white\ntype $ (with adjustment amount).\n\nINDENT Align left and indent 4 points.\n\nTB-SCA_SUB-H1-ADJ\n\nTB-SCA_H2 - Light Gray Bar in Comparable Grids\n\nUsed in Sales Comparison Approach and Comparable Rental Analysis in table sub-subsections.\n\nTEXT\n\n8/9 Myriad Pro Bold in cell with gray fill, 10% black.\n\nINDENT Align left and indent 4 points.\n\nTB-SCA_H2\n\nImages (portrait or landscape) must be sized to properly display the content and maintain the aspect ratio. Typical\nlayouts are listed below but are not limited to these examples.\n"} diff --git a/chunks/json/e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe.json b/chunks/json/e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe.json new file mode 100644 index 0000000000000000000000000000000000000000..befabb390ca3f7f6f7e4febceb6ef4c25b1b64f4 --- /dev/null +++ b/chunks/json/e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":149520,"char_start":147295,"chunk_id":"chk_dcbcfbdd32f959c0","chunk_index":68,"chunk_sha256":"e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe","token_estimate":556,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"NegativeAmortization\nMaximumLoanBalance\nAmount\n\n222000\n\nROF as “$220,000”\n\n4. 2 I NTEREST RATE\n\nInterest Rate is the basis for calculating the periodic payments of principal and interest for which the\nborrower(s) is obligated.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $162,000\n\n4.1.2 NO\n\n4.1.3\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 NO\n\n4.2.3\n\nAppendix E: UCD Implementation Guide\n\nPage 63 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 35. Loan Terms Table – Interest Rate\n\n4. 2. 1 I NTEREST RATE PERCEN T\n\nThe Regulation requires that the interest rate applicable for the transaction be disclosed. Implementers need to\nselect one of four possible data points for Interest Rate. The four data points in bolded blue are mutually\nexclusive; only one is provided in the XML file. The data point used to represent the interest rate percent\ndepends on loan type, features, and whether the rate is known at consummation, as shown in the following\ntable.\n\nTable 49. Four Mutually Exclusive Data Points for Interest Rate\n\nLoan Characteristic\n\nData Points Used in UCD File\n\nExample XML\nValues\n\nFixed Rate Loan – No Temporary\nBuydown\n\nFixed Rate Loan – Temporary\nBuydown but Not Reflected in Note\nTerms\n\nFixed Rate Loan – Temporary\nBuydown Reflected in Note Terms\n\nStep Rate Loan\n\nARM – Rate Known at Consummation\n\nARM – Rate Not Known at\nConsummation\n\nARM – Temporary Buydown\nReflected in Note Terms\n\nLoan with Precomputed Interest Rate\nbased on application of multiple\ninterest rates to different portions of\nloan principal balance\n\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ Note Rate Percent\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ Buydown Reflected In Note Indicator\n▪ Note Rate Percent\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ Buydown Reflected In Note Indicator\n▪ Buydown Initial Effective Interest Rate Percent\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ Note Rate Percent\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ Note Rate Percent\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ DisclosedFullyIndexedRatePercent (the index value\n"} diff --git a/chunks/json/e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43.json b/chunks/json/e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43.json new file mode 100644 index 0000000000000000000000000000000000000000..c49edb60e57d822eb65db7fcd920fa3d69629c3e --- /dev/null +++ b/chunks/json/e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9461,"char_start":7821,"chunk_id":"chk_455dbf25614337b0","chunk_index":5,"chunk_sha256":"e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43","token_estimate":408,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"$\n\n49\n\nsq. ft.\n\n47\n\n$ 48\n\ne-25; e-2\n\n51\n\nDESCRIPTION\n\n+(-) $ Adjustment\n\n53\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n67\n\n69\n\n71\n\n73\n\n52\ne-26; e-27; e-28\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\n60\n\n62\n\ne-5; e-6; e-7\n\n66\n\n68\n\ne-17; 70\n\n72\n\n74 Total Bdrms. Baths\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n75\n\n76\n\n77\n\n79 sq. ft.\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n85\n\n87\n\n89\n\n91\n\n93\n\n95\n97\n99\n\n101\n + -\n\n102\n\n$ 103\n\nNet Adj. 103a %\nGross Adj. 103b %\n\n$ 104\n\n53\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n67\n\n69\n\n71\n\n73\n\n74\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n111\n\n112\n\n109\n\n108\n\nMy research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\nData source(s) 110\nMy research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\nData source(s) 113\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARABLE SALE # 3\n118\n119\n120\n121\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales 122\n\nCOMPARABLE SALE # 1\n118\n119\n120\n121\n\nCOMPARABLE SALE # 2\n118\n119\n120\n121\n\nSUBJECT\n114\n115\n116\n117\n\nITEM\n\nSummary of Sales Comparison Approach 123\n\nIndicated Value by Sales Comparison Approach $ 124\nIndicated Value by: Sales Comparison Approach $ 125\n128\n\nCost Approach (if developed) $ 126\n\nIncome Approach (if developed) $ 127\n"} diff --git a/chunks/json/e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f.json b/chunks/json/e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f.json new file mode 100644 index 0000000000000000000000000000000000000000..646ea05dacfe7aa431b19c101ade3716537deccd --- /dev/null +++ b/chunks/json/e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21421,"char_start":19814,"chunk_id":"chk_bdb0362dbf02fe88","chunk_index":12,"chunk_sha256":"e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Derived Field\n\nApplicable to the\nEnterprise UAD\nrecords only. This\nfield is not available\nfor the FHA UAD\nrecords.\n\nFederal Housing Finance Agency\n\n16\n\nUAD PUF Version 2.1 Data Dictionary\n\nReferences\n\nUniform Appraisal Dataset\nhttps://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\nhttps://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad\n\nUniform Mortgage Data Program Uniform Appraisal Dataset Specification Appendix A: GSE Appraisal Form Mapping, Version Date: February 2, 2022.\nhttps://singlefamily.fanniemae.com/media/17311/display\n\nUniform Mortgage Data Program Uniform Appraisal Dataset Specification Appendix D: Field-Specific Standardization Requirements. Document 1.7, Version Date: February 2, 2022.\nhttps://singlefamily.fanniemae.com/media/21731/display\n\nFederal Housing Finance Agency\n\n17\n\nFrequency Distribution and Summary Statistics for Enterprise UAD PUF\n\nUAD PUF Version 2.1 Data Dictionary\n\nN\n\nMean\n\nMedian\n\nMin\n\nMax\n\nP1\n\nP5\n\nP10\n\nP25\n\nP50\n\nP75\n\nP90\n\nP95\n\nP99\n\ncontract_price\n\n746,237 336,383 305,000\n\n5,000 1,705,000 65,000 115,000 145,000 205,000 305,000 425,000 575,000 685,000\n\n895,000\n\nappraised_value\n\n1,481,868 369,936 325,000\n\n5,000 1,705,000 75,000 125,000 155,000 215,000 325,000 465,000 645,000 725,000 1,275,000\n\nsales_range_high\n\n1,354,062 450,439 395,000\n\n5,000 1,705,000 95,000 145,000 185,000 265,000 395,000 585,000 725,000 875,000 1,705,000\n\nsales_range_low\n\n1,351,084 317,387 275,000\n\n5,000 1,705,000 45,000 85,000 125,000 175,000 275,000 395,000 565,000 695,000 1,095,000\n\nmedian_adjustment\n\n1,481,842\n"} diff --git a/chunks/json/e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2.json b/chunks/json/e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2.json new file mode 100644 index 0000000000000000000000000000000000000000..23d090278142635040b1f07f8540b96f7a327afd --- /dev/null +++ b/chunks/json/e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1231567,"char_start":1229956,"chunk_id":"chk_840255099e1f5aef","chunk_index":731,"chunk_sha256":"e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND\nITION_OF_APPRAISAL[@_Type=‘SubjectToRepairs’]\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be\npopulated for each box that is checked.\n\n378\n\n379\n\n380\n\n2\n\n2\n\n2\n\n132\n\nRECONCILIATION\n\nThe appraisal is made “subject to\nthe following required\ninspection”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND\nITION_OF_APPRAISAL[@_Type=‘SubjectToInspections’]\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be\npopulated for each box that is checked.\n\n133\n\nRECONCILIATION Comment Area\n\nValuation\nReconciliation\nConditions\n\nA free-form text field used to summarize\nand clarify the conditions of the subject\nproperty upon which its valuation is\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Con\nditionsComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n134\n\nRECONCILIATION Market Value\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a valid\nproperty valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmo\nunt\n\n12\n\nMoney\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be represented\nconsistently.\n"} diff --git a/chunks/json/e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007.json b/chunks/json/e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007.json new file mode 100644 index 0000000000000000000000000000000000000000..b10a739db046c0b7b2b052a13ff71b7673107403 --- /dev/null +++ b/chunks/json/e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7694,"char_start":5702,"chunk_id":"chk_bdea8da35a924d40","chunk_index":3,"chunk_sha256":"e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007","token_estimate":498,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"I. Background\n\nA. Establishment of FHFA\n\nEffective July 30, 2008, Division A of\n\nHERA, Public Law 110–289, 122 Stat.\n2654 (2008), amended the Safety and\nSoundness Act and created FHFA as an\nindependent agency of the Federal\nGovernment. HERA transferred the\nsafety and soundness supervisory and\noversight responsibilities over the\nEnterprises, the Federal Home Loan\nBanks (Banks), and the Office of Finance\nfrom the Office of Federal Housing\nEnterprise Oversight (OFHEO) and the\nFederal Housing Finance Board,\nrespectively, to FHFA. HERA also\ntransferred the charter compliance\nauthority, the responsibility to establish,\nmonitor and enforce the affordable\nhousing goals, the responsibility to\nmaintain the PUDB, and the\nresponsibility to oversee Enterprise data\nreporting, from HUD to FHFA.\n\nFHFA is responsible for ensuring that\n\nthe Enterprises operate in a safe and\nsound manner, including maintenance\nof adequate capital and internal\ncontrols, that their operations and\nactivities foster liquid, efficient,\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00042 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41181\n\ncompetitive, and resilient national\nhousing finance markets, and that they\ncarry out their public policy missions\nthrough authorized activities. See 12\nU.S.C. 4513.\n\nThe Enterprises are government-\n\nsponsored enterprises (GSEs) chartered\nby Congress for the purpose of\nestablishing secondary market facilities\nfor residential mortgages. See 12 U.S.C.\n1716 et seq.; 12 U.S.C. 1451 et seq.\nSpecifically, Congress established the\nEnterprises to provide stability in the\nsecondary market for residential\nmortgages, respond appropriately to the\nprivate capital market, provide ongoing\nassistance to the secondary market for\nresidential mortgages, and promote\naccess to mortgage credit throughout the\nnation. Id.\n"} diff --git a/chunks/json/e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a.json b/chunks/json/e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a.json new file mode 100644 index 0000000000000000000000000000000000000000..38d7a8b354f016f1d98ec479816e9ce7a052fbce --- /dev/null +++ b/chunks/json/e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":848667,"char_start":847002,"chunk_id":"chk_8df66f7f785b0592","chunk_index":504,"chunk_sha256":"e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UNIT\nIMPROVEMENTS\n\nDoes the property generally conform to\nthe neighborhood (functional utility,\nstyle, condition, use, construction, etc.)?\nYes\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nhysicalDeficiency' and @_ExistsIndicator='N']\n\n1\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nhysicalDeficiency']/@_Comment\n\n4000\n\nString\n\nThis field should contain a description of physical deficiencies or adverse conditions\nthat affect the livability, soundness, or structural integrity of the property.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C\nonformsToNeighborhood' and @_ExistsIndicator='Y']\n\nUNIT\nIMPROVEMENTS\n\nDoes the property generally conform to\nthe neighborhood (functional utility,\nstyle, condition, use, construction, etc.)?\nNo\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C\nonformsToNeighborhood' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nUNIT\nIMPROVEMENTS\n\nDoes the property generally conform to\nthe neighborhood (functional utility,\nstyle, condition, use, construction, etc.)?\nIf No, describe\n"} diff --git a/chunks/json/e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a.json b/chunks/json/e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a.json new file mode 100644 index 0000000000000000000000000000000000000000..9a5e8c3b2be84bb5fb1594025c0638953d9ce28c --- /dev/null +++ b/chunks/json/e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":644168,"char_start":642541,"chunk_id":"chk_a0258bfbb6873232","chunk_index":383,"chunk_sha256":"e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other Real Property Rental Income\n\nRent Schedule: Opinion of Market Income – Other Real Property Rental Income\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n23.01.22 N/A\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nOther Income Type\n•\n•\n\nNone (there is no other real property rental income)\nNon-Tenant Parking (open or covered parking spaces are rented or leased\nto someone other than the occupants of the property units)\nStorage\nOther (Describe)\n\n•\n•\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n\nRent Schedule\no\no\n\nActual Income (Monthly) 23.01.15\nOpinion of Market Income (Monthly) 23.01.22\n\nNotes:\n•\n\n•\n\nOnly select a valid value (other than None) if there is actual or market\nincome associated with it.\nIf there is other real property rental income (actual or market), provide a\ndescription and details in Rental Analysis Commentary 23.04.01.\n\n23.01.23 N/A\n\nRequired for each\nOther Income Type\n\nDollar amount\n\n23.01.24 Subtotal\n\nAlways required\n\nDollar amount\n\n23.01.25 Total\n\nAlways required\n\nDollar amount\n\nOther Market Income\nNote: If an Other Income Type is selected, both the Other Actual Income and\nOther Market Income must be provided.\n\nTotal Other Market Income\nCalculated: The sum of Other Market Income for all income types.\n\nTotal Market Income\nCalculated: Total Monthly Market Rent + Total Other Market Income\n\nAppendix F-1: URAR Reference Guide\n\nPage 285 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nComparable Rental Properties\n"} diff --git a/chunks/json/e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7.json b/chunks/json/e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7.json new file mode 100644 index 0000000000000000000000000000000000000000..5314a6e62fd8d18c813a965bd24987e5560a2a4f --- /dev/null +++ b/chunks/json/e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1711,"char_start":0,"chunk_id":"chk_bd3744b72885389c","chunk_index":0,"chunk_sha256":"e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1ab6b983690007f8","text_sha256":"e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Policy___FHFA_wh72h5.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy\"\ndate_accessed: \"2026-01-27T17:48:00.998Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c.json b/chunks/json/e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c.json new file mode 100644 index 0000000000000000000000000000000000000000..cb5c2f54acf0cfaf8aee922a253a535375c4cf2e --- /dev/null +++ b/chunks/json/e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12462,"char_start":10782,"chunk_id":"chk_8315b4663191457a","chunk_index":6,"chunk_sha256":"e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_01262f3c594c67e9","text_sha256":"e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/The_Ombudsman___FHFA_5mybwl.md"]},"text":"The Office of the Ombudsman will honor requests not to disclose the identity of a person submitting a complaint or appeal, or the information or materials provided by a party, except to appropriate reviewing officials or as required by law.\n\n## How to Contact the Ombudsman\n\nComplaints and appeals must be submitted in writing and include the information above. No specific form is required.\n\nElectronic submissions may be made at:\n\n[File A Complaint](/contact/ombudsman)\n\nOr sent by email to: [Ombudsman@fhfa.gov](mailto:Ombudsman@fhfa.gov)\n\nSubmissions may be sent by U.S. mail to:\n\n**Ombudsman**\n**Federal Housing Finance Agency**\n**Constitution Center**\n**400 7th Street, SW**\n**Washington, D.C. 20219**\n\nFor information on Accessibility and Section 508 of the Rehabilitation Act, click on this link\n[Accessibility Page](/about/fhfa-policies/accessibility)\n\nIf you have a disability and the format of any material on our Web pages interferes with your ability to access the information, please contact the Agency’s webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov) or at 202-649-3031.\n\nProcedures of the FHFA Office of the Ombudsman may be found here: [Ombudsman Procedures](/sites/default/files/2024-11/Ombudsman-Procedures.pdf)\n\n## Resources for Making Complaints on Matters Outside FHFA Ombudsman Authority\n\n**To report suspected fraud or find resources about suspected fraud:**\n\n- Contact the FHFA Office of Inspector General at 800-793-7724 **or** visit the [FHFA OIG website](http://www.fhfaoig.gov/ReportFraud); or\n- Visit [FHFA's Fraud Prevention page](/programs/fraud-prevention)\n**To submit complaints about institutions other than housing GSEs:**\n"} diff --git a/chunks/json/e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0.json b/chunks/json/e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0.json new file mode 100644 index 0000000000000000000000000000000000000000..ceec6fb69805d5fca3b0bbdd9db69a0ab4c84379 --- /dev/null +++ b/chunks/json/e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4874,"char_start":3217,"chunk_id":"chk_173bdf48c11cf259","chunk_index":2,"chunk_sha256":"e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0","token_estimate":415,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"30+ year asphalt shingle roof.\n\nRoof\n\nNewOrLikeNew\n\nUpgraded meeting Energy Star® requirements.\n\nWindows\n\nLow E thermal\n\nC2\n\nQ3\n\nTwoToThreeFeet\n\n1\n\nSubject meets requirements for CHOICEHome® and MH Advantage and features a poured concrete perimeter foundation and skirting, Low E thermal windows, a 30-year roof, aluminum siding and synthetic stone accents.\n\nCentralized\n\nElectric\n\nOther\n\nHeat Pump\n\nWaterHeater\n\nfalse\n\nPropertyPhoto\n\n\\\\Images\\MH2_Dwelling_Front.jpg\n\nimage/jpeg\n\nPropertyAccess\n\n\\\\Images\\MH2_Street_Access.jpg\n\nimage/jpeg\n\nDwellingFront\n\n\\\\Images\\MH2_Dwelling_Front.jpg\n\nimage/jpeg\n\nSalesComparableMap\n\n\\\\Images\\MH2_Comp_Map.jpg\n\nimage/jpeg\n\nFloorPlan\n\n\\\\Images\\MH2_FloorPlan.png\n\nimage/png\n\nSiteInfluence\n\n\\\\Images\\MH2_Street_Access.jpg\n\nimage/jpeg\n\nView\n\n\\\\Images\\MH2_Street_Access.jpg\n\nimage/jpeg\n\nPark\n\nSiteInfluence\n\n\\\\Images\\MH2_Park.jpg\n\nimage/jpeg\n\nDwellingRear\n\n\\\\Images\\MH2_Dwelling_Rear.jpg\n\nimage/jpeg\n\nSkirting\n\nManufacturedHomeExhibit\n\n\\\\Images\\MH2_Skirting.png\n\nimage/png\n\nManufacturedHomeFinancingProgramEligibilityCertification\n\n\\\\Images\\MH2_ChoiceHome.png\n\nimage/png\n\nManufacturedHomeFinancingProgramEligibilityCertification\n\n\\\\Images\\MH2_MHAdvantage.png\n\nimage/png\n\nSection 1\n\nManufacturedHomeHUDCertificationLabel\n\n\\\\Images\\MH2_Certification_Label_1.jpg\n\nimage/jpeg\n\nSection 2\n\nManufacturedHomeHUDCertificationLabel\n\n\\\\Images\\MH2_Certification_Label_2.jpg\n\nimage/jpeg\n\nManufacturedHomeHUDDataPlate\n\n\\\\Images\\MH2_HUD_Data_Plate.jpg\n\nimage/jpeg\n\n2022-03-14\n\nPhysical\n\nPhysical\n\nfalse\n\n25.165173\n\n-51.328125\n\nMain Road to the North, East Main Road to the East, West Main Road to the West, and Southern Highway to the South.\n"} diff --git a/chunks/json/e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954.json b/chunks/json/e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954.json new file mode 100644 index 0000000000000000000000000000000000000000..f32d80ddeefe76a0381812d7496eb2c3057b504c --- /dev/null +++ b/chunks/json/e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10373,"char_start":8680,"chunk_id":"chk_a4f55ceb3b2b4211","chunk_index":5,"chunk_sha256":"e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc369abd05ecb9dc","text_sha256":"e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Advisory_Bulletins___FHFA_6rseul.md"]},"text":"October 31, 2024\n\n## [AB 2024-05: Affordable Housing Program: Determining the Need for Affordable Housing Program Subsidy in Rental Projects](/advisory-bulletin/ab-2024-05)\n - Federal Home Loan Banks\n\nSeptember 27, 2024\n\n## [AB 2024-03: FHLBank Member Credit Risk Management](/advisory-bulletin/ab-2024-03)\n - Fannie Mae, Freddie Mac, Other\n\nJune 28, 2024\n\n## [AB 2024-02: Enterprise Operational Event Reporting](/advisory-bulletin/ab-2024-02)\n - Fannie Mae, Freddie Mac\n\nAugust 17, 2023\n\n## [AB 2023-04: Supplemental Guidance to Advisory Bulletin 2021-03: Framework for Adversely Classifying Loans, Other Real Estate Owned, and Other Assets and Listing Assets for Special Mention](/advisory-bulletin/ab-2023-04)\n - Federal Home Loan Banks\n\nApril 17, 2023\n\n## [AB 2023-03: FHLBank Changes to Internal Market Risk Models](/advisory-bulletin/ab-2023-03)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n\nJanuary 13, 2023\n\n## [AB 2023-02: Supplemental Guidance to Advisory Bulletin 2017-02 - Information Security Management](/advisory-bulletin/ab-2023-02)\n - Fannie Mae, Freddie Mac\n\nJanuary 12, 2023\n\n## [AB 2023 - 01: Valuation of Mortgage Servicing Rights for Managing Counterparty Credit Risk](/advisory-bulletin/ab-2023-01)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n\nDecember 21, 2022\n\n## [Model Risk Management Guidance](/advisory-bulletin/ab-2022-03)\n - Fannie Mae, Freddie Mac\n\nFebruary 10, 2022\n\n## [Artificial Intelligence/Machine Learning Risk Management](/advisory-bulletin/ab-2022-02)\n - Fannie Mae, Freddie Mac\n\nFebruary 8, 2022\n\n## [Insider Trading Risk Management](/advisory-bulletin/ab-2022-01)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n"} diff --git a/chunks/json/e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586.json b/chunks/json/e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586.json new file mode 100644 index 0000000000000000000000000000000000000000..4e3c919a764acf7d043dbcf7ee0088efe8cc7a55 --- /dev/null +++ b/chunks/json/e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586.json @@ -0,0 +1 @@ +{"chunk":{"char_end":242114,"char_start":240441,"chunk_id":"chk_8bd37c5e45c74904","chunk_index":137,"chunk_sha256":"e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\n…\n\n\n\n\n \n\n\n\n6.5000\n\nUCD v2.0 Implementation Guide\n\n- 106 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 73. XML Snippet - High Cost Mortgage Data.\n\n\n\n\n \n\n\n\n…\n\n\n\n3. QUALIFIED MORTGAGES (QM)\n\nReg Z implements TILA, which prohibits lenders from making a higher-priced mortgage loan without regard to the\nconsumer’s ability to repay (ATR) the loan, and Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer\nProtection Act (Dodd-Frank Act), which generally require lenders to make a reasonable, good faith determination of a\nconsumer’s ATR. Reg Z establishes certain protections from liability under this requirement for “qualified mortgages”.\n\nA qualified mortgage falls into a category of loans that have certain, more stable features that help make it more likely\nthat the borrower is able to afford the loan. The QM label indicates that the lender met certain requirements and is assumed\nto have followed the ability-to-repay rule. The GSEs collect Reg Z ATR and QM data on closing transaction fees and loan costs.\nNone of these are on the Closing Disclosure.\n\nTable 50. UCD v2.0 Spec Excerpt - QM Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QU\nALIFIED_MORTGAGE/ QUALIFIED_MORTGAGE_DETAIL\n"} diff --git a/chunks/json/e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac.json b/chunks/json/e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac.json new file mode 100644 index 0000000000000000000000000000000000000000..8dcbdebf7a89f33dcd4d35cde6957e0df44f52e9 --- /dev/null +++ b/chunks/json/e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":224060,"char_start":222216,"chunk_id":"chk_a20ff6bb2dbc7667","chunk_index":130,"chunk_sha256":"e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac","token_estimate":461,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Postal Code\n\nThe postal code (zip code in the US)\nof the subject property. Zip code may\nbe either 5 or 9 digits.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@PropertyPostalCode\n\n292\n\n2\n\n47\n\nSALES\nCOMPARISON\nAPPROACH\n\nProximity to Subject\n\nProximity To Subject\nDescription\n\nA free-form text field used to describe\nthe proximity of a comparable\nproperty to the subject property.\n\n293\n\n2\n\n48\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced\nproperty.\n\n294\n\n2\n\n49\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price/Gross Liv.\nArea\n\nSales Price Per Gross\nLiving Area Amount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This\nis a ratio between the sales price and\nan area, but it is a monetary value\nrather than a factor or rate.\n(CALCULATED RESULTS FIELD)\n\n295\n\n2\n\ne-25\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Data Source\nDescription\n\nA data source used for information\nabout the sale and characteristics of\nthe comparable property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@ProximityToSubjectDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@PropertySalesAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@SalesPricePerGrossLivingAreaAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEDataSourceDescription\n"} diff --git a/chunks/json/e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a.json b/chunks/json/e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a.json new file mode 100644 index 0000000000000000000000000000000000000000..bf2066c2caaaa366dcebe830a1fc5beb13aa1baa --- /dev/null +++ b/chunks/json/e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16485,"char_start":15219,"chunk_id":"chk_8745f2cf3c636cec","chunk_index":9,"chunk_sha256":"e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca1db67b9626334c","text_sha256":"e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__3lunn.md"]},"text":"#### Utility Allowances Letters\n\nYear Fannie Mae Freddie Mac 2024-Present [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Fannie-Mae-121523.pdf) [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Freddie-Mac-121523.pdf) 2015-2023 [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Fannie-Mae-082715.pdf) [[PDF]](/sites/default/files/2024-02/Group-Homes-Freddie-Mac-2252016.pdf)\n\n[Affordable Housing and Community Investment page](/programs/affordable-housing)\n\n*Page last updated: December 23, 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"} diff --git a/chunks/json/e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81.json b/chunks/json/e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81.json new file mode 100644 index 0000000000000000000000000000000000000000..6b48a559a6c8adde95f82aed0b73249c5fb29223 --- /dev/null +++ b/chunks/json/e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81.json @@ -0,0 +1 @@ +{"chunk":{"char_end":628381,"char_start":626672,"chunk_id":"chk_363df8e8ccf931e0","chunk_index":361,"chunk_sha256":"e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nAppraiser Reference ID AA234567Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024Appraisal Update Scenario (AU1)\n\nRestricted Appraisal Update Report\n\nPage 3 of 3\n\nCertifications (continued)\n\nSignature\n\nAppraiser\nAllan Appraiser\nAllan Appraiser\n\n03/20/2020\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n1234456A\nVA\n03/31/2022\n\nAppraiser Reference ID AA234567 Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024Appraisal Update Scenario (AU1)\n\nCompletion Report Scenario 1 – Repair (CR1)\n\nIntroduction\n\nThe appraisal was initially made subject to repair as the hot water heater did not appear to be\noperational. The property was later reinspected, and the water heater is reported to have been\nrepaired. However, additional damage was noted as the carpet within the basement was damaged due\nto a water leak prior to the repair of the hot water heater. Thus, the carpet is required to be replaced as\nthis may have impacted the original assignment results.\n\nNote: It is not typical for a Completion Report to identify new issues. This scenario is intended to be an\nexample of what the report and XML would reflect in the rare instance when this occurs.\n\nKey Characteristics\n\n• Multiple defects noted\n\no Original: Water heater non-operational\no New: Carpet damage due to water leak\n\n• Market Value Condition remains Subject to Repair\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the completion report.\n"} diff --git a/chunks/json/e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70.json b/chunks/json/e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70.json new file mode 100644 index 0000000000000000000000000000000000000000..91efc3cde137cefdb31d206e8ed4cd43d1aa197b --- /dev/null +++ b/chunks/json/e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70.json @@ -0,0 +1 @@ +{"chunk":{"char_end":196091,"char_start":194321,"chunk_id":"chk_6f0e08e73a95abc5","chunk_index":110,"chunk_sha256":"e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Disaster Mitigation\n\nThe appraiser must identify and include in the appraisal report disaster mitigation features for the subject property and the\ncomparable sale(s) designed to prevent or reduce impacts and risks caused by a natural disaster. Examples of preventative\nmeasures include fire-resistant exterior walls, a fortified roof, impact resistant glass, and flood vents.\n\nHighest and Best Use\n\nFannie Mae will only purchase or securitize a loan that represents the highest and best use of the site as improved. If the current\nimprovements clearly do not represent the highest and best use of the site as an improved site, that must be indicated on the\nappraisal report.\n\nFor improvements to represent the highest and best use of a site, they must be legally permitted, financially feasible, physically\npossible, and maximally productive (must provide more profit than any other use of the site would generate) on the effective date\nof the appraisal report. All of those criteria must be met if the improvements are to be considered as the highest and best use of a\nsite.\n\nThe appraiser’s highest and best use analysis of the subject property should consider the property as improved, recognizing the\nexisting improvements should continue in its current use until it is financially feasible to renovate or remove the existing\nstructure(s) and redevelop the site to a new use.\n\nIf the use of comparable sales demonstrates that the improvements are reasonably typical and compatible with market demand\nfor the market area, and the present improvements add value to the subject property so that its value is greater than the\nestimated vacant site value, the appraiser should consider the existing use as reasonable and probable reporting it as the highest\nand best use.\n"} diff --git a/chunks/json/e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b.json b/chunks/json/e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b.json new file mode 100644 index 0000000000000000000000000000000000000000..f69269622f1daf0c3cf65a56ae15b5263d35de9c --- /dev/null +++ b/chunks/json/e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":702884,"char_start":701272,"chunk_id":"chk_5f390a3fd8f073eb","chunk_index":416,"chunk_sha256":"e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"33\n\n34\n\n35\n\n36\n\n37\n\n38\n\n39\n\n40\n\n41\n\n42\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n\n38\n\n39\n\n24\n\nSUBJECT\n\nOccupant\nVacant\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY[@_CurrentOccupancyType='Vacant']\n\n25\n\nSUBJECT\n\nSpecial Assessments $\n\nProperty Tax Total\nSpecial Tax Amount\n\nThe total of all of the property's special\nreal estate taxes for this tax year (Property\nTax Year Identifier) across all tax\njurisdictions and authorities. This is the\namount assessed for the tax year, not the\namount paid. (see Property Tax Special).\n\n/VALUATION_RESPONSE/PROPERTY/_TAX/@_TotalSpecialTaxAmount\n\nSUBJECT\n\nHOA $\n\nProject Per Unit Fee\nAmount\n\nThe amount charged to each unit by the\nproject management.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE/@_Am\nount\n\nSUBJECT\n\nHOA $\nper year\n\nProject Per Unit Fee\nPeriod Type\n\nSpecifies the period about which the fees\nper unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri\nodType='Annually']\n\nSUBJECT\n\nHOA $\nper month\n\nProject Per Unit Fee\nPeriod Type\n\nSpecifies the period about which the fees\nper unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri\nodType='Monthly']\n\nSUBJECT\n\nProperty Rights Appraised\nFee Simple\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType='FeeSimple']\n\nSUBJECT\n\nProperty Rights Appraised\nLeasehold\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n"} diff --git a/chunks/json/e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4.json b/chunks/json/e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4.json new file mode 100644 index 0000000000000000000000000000000000000000..128b726bb018d6bd2356b08386933765442bccbe --- /dev/null +++ b/chunks/json/e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21932,"char_start":20489,"chunk_id":"chk_5ecf6fa1600c1dec","chunk_index":13,"chunk_sha256":"e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"---\n\n## **July 2021**\n\n## **​Multifamily Radon Standards​​**\n\nDate: 7/20/2021\n\nTime: 1:00 PM​​\n\n## **Duty to Serve Proposed 2022-2024 Underserved Markets Plans**\n\nDate: 7/12/2021 - 7/14/2021\n\nTime: 1:00 PM​\n\n​[Rural Housing Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-rural-housing)\n\n[Affordable Housing Preservation Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-affordable-housing-preservation)​\n\n[Manufactured Housing Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-manufactured-housing)\n\n---\n\n## **June 2021**\n\n## **Closing the Gap to S​ustainable Homeownership**\n\nDate: 6/29/2021\n\nTime: 1:00 PM​​\n\nAgenda and Video​​\n\n## **Single Family Small Lender Access Listening Session**\n\nDate: 6/3/2021\n\nTime: 1:00 PM​\n\nLocation: Online Event\n\n[Single Family Small Lender Access Listening Session Agenda, Transcript, and Video](/news/videos/single-family-small-lender-access)​\n\n---\n\n## **May 2021**\n\n## **Protecting Borrowers in the COVID Environment Joint with CFPB**\n\nDate: 5/13/2021\n\nTime: 1:00 PM\n\nLocation: Online Event\n\n[Protecting Borrowers in the COVID Environment Listening Session Agenda, Transcript, Presentations, and Video](/news/videos/protecting-borrowers-during-the-covid-pandemic)\n\n---\n\n## **April 2021**\n\n## **Multifamily Small Lender Access**\n\nDate: 4/30/2021\n"} diff --git a/chunks/json/e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0.json b/chunks/json/e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0.json new file mode 100644 index 0000000000000000000000000000000000000000..ee412c3de47b23311dbac0119144d8b73eee6159 --- /dev/null +++ b/chunks/json/e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3513,"char_start":1905,"chunk_id":"chk_901c6472de37ec21","chunk_index":1,"chunk_sha256":"e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_519c636eac748f6b","text_sha256":"e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-20-2024.pdf"]},"text":"Additional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and\nDescription\n\nURL\n\nOnline HUD Handbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400\n0-1\n\nHUD Mortgagee Letters\n\nhttps://www.hud.gov/hudclips/letters/mortgagee\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n\nCHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\nVA Lenders Handbook\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\n© 2024 Fannie Mae. Trademarks of Fannie Mae.\n\n1.3.24\n\n1 of 2\n\nDocument Name and\nDescription\n\nURL\n\nVA Circulars\n\nVA Loan Limits\n\nhttps://www.benefits.va.gov/HOMELOANS/resources_circulars.asp\n\nhttps://www.va.gov/housing-assistance/home-loans/loan-limits/\n\nVA Regional Loan Centers: Contact\nInformation\n\nFor More Information\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\nMore information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.\nAdditionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should\ncontact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers\nshould contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage\nbrokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342).\n"} diff --git a/chunks/json/e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a.json b/chunks/json/e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a.json new file mode 100644 index 0000000000000000000000000000000000000000..40e5fd92ed0734b085692e4ff70d10eae9c51b40 --- /dev/null +++ b/chunks/json/e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":443833,"char_start":442124,"chunk_id":"chk_550c814701510183","chunk_index":256,"chunk_sha256":"e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 11 of 22\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend\n\nThis is where the Price Trend graph would display.\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Information Data Source Property Management\n\nMandatory Fees (HOA, PUD, or Co-op)\n\nCompany\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\n$284\n\nClubhouse\nFitness Area\nInground Pool\nRecreation Area\nSnow Removal\nNone\n\nProject Factors and Impact to Value/Marketability\n\nProject Factor\nDeveloper/Sponsor in Control\n\nKnown Legal Actions\n\nUnit Special Assessments\n\nUnit Tax Abatements or Exemptions\n\nDetail\nNo\n\nNone\n\nNone\n\nNone\n\nProject Information Commentary\n\nProject amenities are typical to the market.\n\nImpact\n\nComment\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 12 of 22\n\nProject Information (continued)\n\nProject Information Exhibits\n\nCommon Amenity or Service - Project Pool\n\nThis is where the Project Pool photo would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nOff Market\n\nMLS\n\nListing ID\nFQ999999\n\nFQ999956\n\nStart Date\n03/15/2019\n\n02/01/2019\n\nEnd Date\n04/15/2019\n\n02/16/2019\n\nDOM\n30\n\n15\n\nTotal DOM 45\n\nStarting\nList Price\n$875,000\n\n$1,350,000\n\nCurrent or\nFinal List Price\n\n$875,000\n\n$1,350,000\n\nAnalysis of Subject Property Listing History The subject is currently under contract for $866,000. Days on market appears to be typical for\nthe area.\n"} diff --git a/chunks/json/e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3.json b/chunks/json/e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3.json new file mode 100644 index 0000000000000000000000000000000000000000..f9b19bb9d424b04011fb502b1653d3f0b2f17878 --- /dev/null +++ b/chunks/json/e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1629,"char_start":0,"chunk_id":"chk_5383a4ae7cf88a43","chunk_index":0,"chunk_sha256":"e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3","date_utc":"2026-01-27T17:45:42+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_262a63420723d7af","text_sha256":"e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae.md"]},"text":"---\ntitle: \"Uniform Appraisal Dataset | Fannie Mae\"\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:45:42.728Z\"\nselector: \".container.color-trigger--white.fm-layout--placemat.swoosh-right.rag-highlight-border\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Uniform_Appraisal_Dataset___Fannie_Mae\"\n---\n\nDelivering\n\n# Uniform Appraisal Dataset\n\nImproving the quality and consistency of appraisal data\n\nFannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.\n\n**Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users**\n\nMeet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD.\n\n[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae_3_20people_20talking.svg)\n\n[Announcements](#uad-announcements)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae_plug.svg)\n\n[Get Started with UAD 3.6](#uad-36-resources)\n"} diff --git a/chunks/json/e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01.json b/chunks/json/e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01.json new file mode 100644 index 0000000000000000000000000000000000000000..bcc047bfd5052645cf148046e5cd65c2909ae145 --- /dev/null +++ b/chunks/json/e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01.json @@ -0,0 +1 @@ +{"chunk":{"char_end":513183,"char_start":511570,"chunk_id":"chk_203a3e16d34c87e7","chunk_index":304,"chunk_sha256":"e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Primary Financing Type\nis only applicable to\ncomparables\n\nYes\n22.01.27\n\nPrimary Financing Type\n•\n•\n•\n•\n•\n•\n\nConventional (includes Jumbo and portfolio lending)\nFHA\nPrivate\nUSDA\nVA\nOther (Describe)\n\n22.01.05\n22.01.28\n\nSales\nConcessions\n\nAlways\n\nRequired if Listing\nStatus is Settled Sale\n\nYes | No\n\n22.01.05\n22.01.28\n\nSales\nConcessions\n\nAlways\n\nRequired if Known\nSales Concessions is\nYes\n\nYes | No\n\nSales Contract\n•\n\nKnown Sales\nConcessions\n20.008\n\nSales Contract\n•\n\nSales Concession\nAmount Known\n20.009\n\nYes\n22.01.29\n\nYes\n22.01.29\n\nKnown Sales Concessions: Indicates whether there are sales concessions.\n•\n•\n\nYes (indicate whether the amount is known)\nNo (the appraiser is not aware of any sales concessions, and “No”\ndisplays)\n\nSales Concession Amount Known: Indicates whether the appraiser is\naware of the specific sales concession amount.\n•\n•\n\nYes (provide the amount)\nNo (“Unknown” displays)\n\nAppendix F-1: URAR Reference Guide\n\nPage 222 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nSales Comparison Approach: General Information\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\n22.01.05\n22.01.28\n\nSales\nConcessions\n\nAlways\n\nRequired if Sales\nConcessions Amount\nKnown is Yes\n\nDollar amount\n\nSales Contract\n•\n\nTotal Sales\nConcessions\n20.009\n\nYes\n22.01.29\n\nTotal Sales Concessions: The sales concession amount known to the\nappraiser.\n\n22.01.30\n\nContract Date Always\n\nRequired if Listing\nStatus is Pending or\nSettled Sale\n"} diff --git a/chunks/json/e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb.json b/chunks/json/e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb.json new file mode 100644 index 0000000000000000000000000000000000000000..6e75a268432a23241aa1c225b0d48be598ec968f --- /dev/null +++ b/chunks/json/e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13848,"char_start":12278,"chunk_id":"chk_b5d36f608dae1971","chunk_index":7,"chunk_sha256":"e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4435ce779f140fb4","text_sha256":"e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb","token_estimate":480,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Career_Opportunities___FHFA_519q7e.md"]},"text":"FHFA seeks energetic, highly motivated students to apply to our student and recent graduate positions. Selected students will join a team that helps stabilize the nation's housing market and makes significant contributions to FHFA's mission. Students will receive on-the-job training, exposure to a fast-paced environment, and gain valuable experience.\n\n[Read More](/about/careers/student-and-recent-graduates)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46.json b/chunks/json/e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46.json new file mode 100644 index 0000000000000000000000000000000000000000..078cf32558b819d4ceafaaa22a5b170f58aeb622 --- /dev/null +++ b/chunks/json/e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1644,"char_start":0,"chunk_id":"chk_de86b27809bdb006","chunk_index":0,"chunk_sha256":"e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7ff2afae800ac38c","text_sha256":"e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-ucd-release-notes.pdf"]},"text":"UCD Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nThis Uniform Closing Dataset (UCD) Collection Solution Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read,\nall-in-one document. See the 2023 Release Notes Summary to review an archive of the enhancements to UCD in 2023.\n\nLooking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.\n\nOct. 24, 2024\n\nJust Released\n\nEffective\nDate\n\nOctober 28\n\nImpacted Area\n\nUCD Findings Report\nscreen\n\nDescription\n\nThe Batch ID and the File Name will be added to the top of the UCD Findings Report page in the UCD Collection Solution.\nThis information will be included on every submission to assist in troubleshooting invalid submissions where there is no\nCasefile ID generated. The Batch ID and the File Name is already currently included in the UCD Findings Report XML version,\nand no changes will be made to the XML version.\n\nOctober 28\n\nData Quality Edits\n\nTo further refine UCD data quality, 8 new warning edits will be added to validate the reasonableness of the following date\nfields: Closing Date, Current Rate Set Date, Disbursement Date and Integrated Disclosure Issued Date.\n\nThe edits will be issued if the dates provided are greater than 24 months in the past or greater than 24 months in the future.\n\nOctober 28\n\nRemoval of Edit\n\nWe will be removing warning edit 2018.\n\nEdit 2018: The Ability to Repay (ATR) Method Type has been set to \"Exempt\" for this loan. Please verify the exemption is due\nto loan program or property usage.\n"} diff --git a/chunks/json/e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02.json b/chunks/json/e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02.json new file mode 100644 index 0000000000000000000000000000000000000000..efe63f616f66cde9b8f039365b464c26afd16791 --- /dev/null +++ b/chunks/json/e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8292,"char_start":6549,"chunk_id":"chk_7fa2c2ffccd0ba26","chunk_index":4,"chunk_sha256":"e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02","token_estimate":436,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 4 of 20\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 20\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\n\nConverted Area\n\n1\nRanch\n2-3 Ft.\n2020\nManufactured\nSite Built\nNone\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ3\n\nExterior Condition Rating\n\nC2\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nDetail\nAluminum | Synthetic Stone\n\nPoured Concrete | Crawl\nSpace\n\nAsphalt\nEstimated Age: 1-10 years\n\nQuality Comment\n\nThe subject has a crawl space\nset on a poured concrete\nperimeter footer.\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\n30+ year asphalt shingle roof. New or Like New\n\nCondition Comment\n\nThe roof was installed\nat manufacturing and\ninstallation/set-up 2 years\nago and is in like new\ncondition.\n\nWindows\n\nLow E thermal\n\nUpgraded meeting Energy\nStar® requirements.\n\nNew or Like New\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nHeat Pump\n\nCentralized\n\nDetail\nElectric\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nSubject meets requirements for CHOICEHome® and MH Advantage and features a poured concrete perimeter foundation and skirting, Low E\nthermal windows, a 30-year roof, aluminum siding and synthetic stone accents.\n"} diff --git a/chunks/json/e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56.json b/chunks/json/e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56.json new file mode 100644 index 0000000000000000000000000000000000000000..0346c1789252da3a3cc8b80188f48a2c14de0094 --- /dev/null +++ b/chunks/json/e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56.json @@ -0,0 +1 @@ +{"chunk":{"char_end":432898,"char_start":431180,"chunk_id":"chk_2a50c485d0feaae6","chunk_index":256,"chunk_sha256":"e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56","token_estimate":430,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Examples:\n•\n•\n• Monthly maintenance fees\n\nAssociation fees\nBoard fees\n\nDo not include:\n•\n•\n•\n\nDiscretionary fees\nSpecial assessments\nFees for private utilities\n\n18.012 Common\n\nAmenities /\nServices\nIncluded\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nChoose one or\nmore allowable\nanswers from\ntable (Common\nAmenities /\nServices)\n\n18.012 Common\n\nAmenities /\nServices\nIncluded\n\nRequired if Common\nAmenities / Services\nIncluded is Boat Slip or\nUnit Storage\n\n18.013 Utilities Included Required if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nCommon Amenities / Services: Services, features, or facilities available to\nresidents and / or guests of a project, whether leased or owned by the project.\nNotes:\n•\n•\n\nInclude the amenity if its use is specific to project residents and guests.\nIf there is more than one of the same amenity, such as multiple pools,\nselect the Common Amenity or Service once, and provide details in Project\nInformation Commentary.\nDo not include individual unit amenities, as they are captured in the\nSubject Property Amenities section (14.001-14.004).\nPhotos or images may be provided for each identified amenity, which\ndisplay in Project Information Exhibits with the caption “Common\nAmenity or Service”. An additional caption must be provided including the\namenity type, location, and any other descriptive information as\nappropriate.\n\n•\n\n•\n\nIdentify and include details about any leased amenities, including the impact on\nvalue and marketability, in Project Information Commentary.\n"} diff --git a/chunks/json/e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733.json b/chunks/json/e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733.json new file mode 100644 index 0000000000000000000000000000000000000000..8ac6cecb16cd60f8363340174358557f88a6583c --- /dev/null +++ b/chunks/json/e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733.json @@ -0,0 +1 @@ +{"chunk":{"char_end":637417,"char_start":635694,"chunk_id":"chk_9787224e3cb189d4","chunk_index":379,"chunk_sha256":"e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733","token_estimate":431,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"23.01.06 Lease Start\n\nIf available when\nMonth to Month is No\n\nmm/yyyy\n\nLease Start Date\n\nAppendix F-1: URAR Reference Guide\n\nPage 281 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nRent Schedule: Subject Property Rental Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n23.01.07 Rent Control\n\nAlways required for\neach unit\n\nYes | No\n\nUnit Subject to Rent Control: Indicates whether the unit is subject to rent\ncontrol.\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n•\n\nRent Schedule – Subject Property Rental Information 23.01.07\nComparable Rental Analysis 23.03.16 if the row is included in the rental\ncomparison grid.\n\n23.01.08 Rent\n\nConcessions\n\nRequired if Unit\nCurrently Rented is Yes\n\nYes | No\n\nIndicates whether monetary concessions are included in the terms of the lease\nfor the unit.\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n•\n\nRent Schedule – Subject Property Rental Information 23.01.08\nComparable Rental Analysis 23.03.17 if the row is included in the rental\ncomparison grid.\n\n23.01.09 Utilities /\nServices\nIncluded\n\nRequired if Unit\nCurrently Rented is Yes\n\nYes | No\n\nUtilities / Services Included: Indicates whether any utilities and services (e.g.,\nelectric, heat, water, or internet) are included in the rent for the unit.\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n•\n\nRent Schedule – Subject Property Rental Information 23.01.09\nComparable Rental Analysis 23.03.15 if the row is included in the rental\ncomparison grid.\n"} diff --git a/chunks/json/e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d.json b/chunks/json/e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d.json new file mode 100644 index 0000000000000000000000000000000000000000..759659480feefffe1e8e7d1db70b760d80db6c7c --- /dev/null +++ b/chunks/json/e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23762,"char_start":23049,"chunk_id":"chk_36cb903184cf75db","chunk_index":24,"chunk_sha256":"e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d","token_estimate":402,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\n8.000\n\n8.001\n\n8.002\n"} diff --git a/chunks/json/e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea.json b/chunks/json/e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea.json new file mode 100644 index 0000000000000000000000000000000000000000..5f103d1cf77edbea472dfc8439135d0302238f50 --- /dev/null +++ b/chunks/json/e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18276,"char_start":16577,"chunk_id":"chk_28fb478bd1e49a02","chunk_index":18,"chunk_sha256":"e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"CityName\nPostalCode\nStateCode\nCountyName\n\nAlways displays\n\nAlways displays\n\nPage 11\n\nRestricted Appraisal Update Report: Subject Property - General Information\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point\nName\n\nDisplay Rules\n\n01.001.1 No Label\n\n1400.0828\n\nImageCategoryType\n\n01.003\n\nProperty Rights\nAppraised\n\n2900.0052\n\nPropertyEstateType\n\n01.004\n\nLegal Description\n\n2900.0059\n\nParcelsLegalDescription\n\nNote: When the property is located in more than one county, provide\nthe county that corresponds to the Physical Address, and provide\nfurther details in Appraisal Update Commentary.\nAlways displays.\nDelivered with ImageCategoryType = “PropertyPhoto”\nDisplay when PropertyInProjectIndicator (UID: 2900.0056, FID: Not on\nreport) = “false” OR ProjectLegalStructureType (UID: 2900.0055, FID:\nNot on report) = “Condominium”\nAlways displays.\nThe legal description is required either in text format or an image.\n− When an image is provided ImageCategoryType (UID: 1400.0522,\n\nFID: 01.004.1) = “LegalDescription”\n\nFigure 1 - 1\n\nLegal Description\n\nThe Legal Description subsection always displays. The legal description is required either in text format or as an image.\n\n• When Legal Description - ParcelsLegalDescription (UID: 2900.0059, FID: 01.004) is provided, the text displays. (Figure 1 - 2)\n\nFigure 1 - 2\n\nPage 12\n\n• When an image is provided for Legal Description, it must be delivered using ImageCategoryType (UID: 1400.0522 FID: 01.004.1) =\n\n“LegalDescription” and the image displays within the subsection below the gray bar. (Figure 1 - 3)\n\n• An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0524, FID: 01.004.2) and displays above the image in\n"} diff --git a/chunks/json/e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea.json b/chunks/json/e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea.json new file mode 100644 index 0000000000000000000000000000000000000000..9d3a8248e6d8b4659d68e7f16133f88ea55ebab1 --- /dev/null +++ b/chunks/json/e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":812308,"char_start":810694,"chunk_id":"chk_db522d08dca42678","chunk_index":482,"chunk_sha256":"e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_CompetitiveProjectComparisonDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nAre there any special or unusual\ncharacteristics of the project (based on\nthe condominium documents, HOA\nmeetings, or other information) known\nto the appraiser?\nYes\n\nAre there any special or unusual\ncharacteristics of the project (based on\nthe condominium documents, HOA\nmeetings, or other information) known\nto the appraiser?\nNo\n\nAre there any special or unusual\ncharacteristics of the project (based on\nthe condominium documents, HOA\nmeetings, or other information) known\nto the appraiser?\nIf Yes, describe and explain the effect\non value and marketability.\n\nUNIT\nIMPROVEMENTS\nUNIT\nIMPROVEMENTS\n\nUnit Charge $ per month\n\nper month X 12 = $ per year\n\nUNIT\nIMPROVEMENTS\n\nAnnual assessment charge per year per\nsquare feet of gross living area = $\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nNone\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nHeat\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nAir Conditioning\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nElectricity\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nGas\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nWater\n\nProject Analysis\nSpecial\nCharacteristics\nIndicator\n\nProject Analysis\nSpecial\nCharacteristics\nIndicator\n"} diff --git a/chunks/json/e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190.json b/chunks/json/e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190.json new file mode 100644 index 0000000000000000000000000000000000000000..fb314755f34926316ece42c621fa85a0054f842f --- /dev/null +++ b/chunks/json/e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36152,"char_start":34319,"chunk_id":"chk_97ae9a5f09f3823d","chunk_index":20,"chunk_sha256":"e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190","token_estimate":459,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 19 of 19\nPage 19 of 19\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"} diff --git a/chunks/json/e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034.json b/chunks/json/e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034.json new file mode 100644 index 0000000000000000000000000000000000000000..1c663e8e1672ad537e75101d79906e0adef3175a --- /dev/null +++ b/chunks/json/e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3875,"char_start":3189,"chunk_id":"chk_a96785acbd901db7","chunk_index":4,"chunk_sha256":"e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034","token_estimate":622,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Completion Report Section Organization................................................................................................................................................................................... 8\n\nHeader and Footer ........................................................................................................................................................................................................... 9\n\nOverview ..................................................................................................................................................................................................................................... 9\n"} diff --git a/chunks/json/e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749.json b/chunks/json/e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749.json new file mode 100644 index 0000000000000000000000000000000000000000..8637a30b838cd8a1fc837a14c18ec2784a0ae1eb --- /dev/null +++ b/chunks/json/e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749.json @@ -0,0 +1 @@ +{"chunk":{"char_end":707,"char_start":0,"chunk_id":"chk_e623c36b1b934ed8","chunk_index":0,"chunk_sha256":"e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c5ff74317790cabb","text_sha256":"e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749","token_estimate":177,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/smdu-release-769-impact-memo.pdf","below_target_min_tokens"]},"text":"Servicing Management Default Underwriter (SMDUTM)\n\n7.69 Integration Impact Memo – Final\n\nFannie Mae is scheduled to implement SMDU Release 7.69 on April 21, 2023. SMDU will be unavailable during that time. Once\nSMDU Release 7.69 is implemented, it will include the updates and functionality described below.\n\nApril 17, 2023\n\nAuto Decisioning (AD)\n\n• Maintenance Only\n\n• As part of the upcoming SMDU Release 7.70, Rule Version (DD 282) will begin to be utilized in Pre-Qualification,\n\nStructuring-Trial, and First Time Final requests to accommodate Lender Letter (LL-2023-04) Payment Deferral updates.\n\nCase Management (CM)\n\n• Maintenance Only\n\nFannie Mae Confidential\n\n© 2023 Fannie Mae 4.17.23 Page 1 of 1\n"} diff --git a/chunks/json/e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa.json b/chunks/json/e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa.json new file mode 100644 index 0000000000000000000000000000000000000000..e12d7760fe5e08eeffd626333f6b5b3777fc5aee --- /dev/null +++ b/chunks/json/e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":183926,"char_start":182314,"chunk_id":"chk_0bf90f4202ebbd29","chunk_index":89,"chunk_sha256":"e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"▪ Designates the\nlast number in\nthe year range\n▪ Represented as\n“30”on form\n\n▪ Designates the\nfirst number in\nthe year range\n▪ Represented as\n“8-“ on form\n\nRepresented as\n“Years” on form\n\nThe Projected Payments table must disclose at least one, but no more than four separate payment ranges.\nFigure 53 illustrates the table with the maximum number of columns (4).\n\nA “payment range” is the minimum and maximum possible payment amount for a given period and applies only\nto the Principal & Interest payment (row 5.2) and the Estimated Total Periodic Payment (row 5.5). Dollar\namounts in payment ranges are rounded to the nearest whole dollar.\n\nPayment ranges are disclosed when:\n\na. The P&I payment can change when the interest rate adjusts based on the value of an external index. In this\ncase, the minimum payment is the initial payment and the maximum payment is the payment that would be\nin force if the interest rate increased by the maximum amount at each adjustment.\n\nb. Multiple b. Payment Change Events occur in a single projected payment period. If there is more than one\n\nchange to a periodic payment within one year, these payment change events are grouped together into one\nrange of payments (min and max) that would apply during the year in which the events occur. A new year\n(and column) starts on the next anniversary of the first scheduled payment due date.\n\na. PAYMENT RANGE TABLE POSITION\n\nThe payment structure for the loan dictates the column in which a given payment or payment range should\nappear.\n\nAppendix E: UCD Implementation Guide\n\nPage 82 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n"} diff --git a/chunks/json/e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8.json b/chunks/json/e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8.json new file mode 100644 index 0000000000000000000000000000000000000000..229e004a8ff5de304a32692b4cac692ba88f98cc --- /dev/null +++ b/chunks/json/e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1736,"char_start":0,"chunk_id":"chk_27885fbf422c9d76","chunk_index":0,"chunk_sha256":"e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_25221ac256a1087f","text_sha256":"e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Partner_Agency_Engagements___FHFA_l7pmkm.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/partner-agency-engagements\"\ndate_accessed: \"2026-01-27T17:48:01.966Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7.json b/chunks/json/e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7.json new file mode 100644 index 0000000000000000000000000000000000000000..ff5686afd1ddef4041cb916fcdd1485f249fa515 --- /dev/null +++ b/chunks/json/e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9154,"char_start":7623,"chunk_id":"chk_9fdde74a7770f4a7","chunk_index":3,"chunk_sha256":"e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7","token_estimate":499,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Release Test Cases\n\n- [DU V.12.0 September 2025 Release Test Cases](/media/document/zip/du-v120-september-2025-release-test-cases)\n- [DU V.12.0 May 2025 Release DU Message Test Cases related to Income Calculator](/media/document/zip/du-v120-may-2025-release-du-message-test-cases-related-income-calculator)\n- [DU V.12.0 May 2025 Release Test Cases](/media/document/zip/du-v120-may-2025-release-test-cases)\n- [DO Cloud Migration Test Cases](/media/document/zip/do-cloud-migration-test-cases)\n- [DU V.12.0 January 2025 Release Test Cases](/media/document/zip/du-v120-january-2025-release-test-cases)\n- [DU V.11.1 July 2024 Release Test Cases](/media/document/zip/du-v111-july-2024-release-test-cases)\n- [Data Validation Update Release Test Cases](/media/document/zip/data-validation-update-release-test-cases-archived)\n- [DU V.11.1 April 2024 Release Test Case](/media/document/zip/du-v111-april-2024-release-test-case)\n- [DU V.11.1 February 2024 Release Test Cases](/media/document/zip/du-v111-february-2024-release-test-cases)\n- [2024 Loan Limits Test Cases](/media/document/zip/2024-loan-limits-test-cases)\n- [DU V.11.1 November 2023 Release Test Cases](/media/document/zip/du-v111-november-2023-release-test-cases)\n- [DU V.11.1 August 2023 Release Test Cases](/media/document/zip/du-v111-august-2023-release-test-cases)\n- [DU V.11.1 April 2023 Release Test Cases](/media/document/zip/du-111-april-2023-release-changes)\n- [DU V.11.1 January 2023 Release Test Cases](/media/document/zip/du-111-january-2023-release-changes)\n"} diff --git a/chunks/json/e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84.json b/chunks/json/e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84.json new file mode 100644 index 0000000000000000000000000000000000000000..f42c1b544e983bf1d9a2e4e0aa4ae10fc2093301 --- /dev/null +++ b/chunks/json/e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84.json @@ -0,0 +1 @@ +{"chunk":{"char_end":343199,"char_start":341768,"chunk_id":"chk_2f733efd4fa6d9b6","chunk_index":188,"chunk_sha256":"e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 156 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.A Alternative Calculating Cash To Close Table\n\nCalculating Cash to Close\n\n10.A (Alternative) Use this table to see what has changed from your Loan Estimate.\n\n10.10 Loan Amount\n\nLoan Estimate\n\nFinal\n\nDid this change?\n\n10.10.1\n\n$150,000 10.10.2 $150,000.00 10.10.3 NO\n\n10.10.4\n\n10.1 Total Closing Costs (J)\n\n10.1.1\n\n-$5,099 10.1.2\n\n-$5,757.57 10.1.3 YES\n\n10.1.4 ● See Total Loan Costs (D) and Total Other\n\nCosts (I)\n\n10.2 Closing Costs Paid Before Closing 10.2.1\n\n$0\n\n10.2.2\n\n$435.00\n\n10.2.3 YES\n\n10.2.4 ● You paid these Closing Costs before\n\nclosing\n\n10.11 Total Payoffs and Payments (K) 10.11.1\n\n-120,000 10.11.2 -$115,000.00 10.11.3 YES\n\n10.11.4 ● See Payoffs and Payments (K)\n\n10.9 Cash to Close\n\n10.9.1\n$24,901\n10.9.3From To\nBorrower\n\n10.9.2\n$29,677.43\n10.9.4From To\nBorrower\n\n10.3\nClosing Costs Financed (Paid from your Loan Amount)\n\n10.3.2\n$5,322.57\n\nFigure 89. Alternative Calculating Cash to Close Table\n\nWith the exception of the Cash to Close Totals (10.9) and Closing Costs Financed (which are described below,\nAlternative Cash to Close table line items are disclosed according to the following pattern (also illustrated in the\nfigure above.)\n\n1. Disclose the cash to close line items in the order illustrated\n\n2. Provide the applicable amount from the corresponding line item in the Loan Estimate’s Calculating Cash\n"} diff --git a/chunks/json/e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a.json b/chunks/json/e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a.json new file mode 100644 index 0000000000000000000000000000000000000000..e06a573c2f86e7945e91382cd43b14fda1a4a9b8 --- /dev/null +++ b/chunks/json/e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":83388,"char_start":81787,"chunk_id":"chk_861a5fa883e19c38","chunk_index":127,"chunk_sha256":"e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Always\n\nNever\n\nNever\n\nNever\n\nNever\n\nDisaster Mitigation\n\nWhen there are Disaster Mitigation Features\n\nNever\n\nEnergy Efficient and Green\nFeatures\n\nWhen there are known renewable energy\ncomponents, building certifications, or efficiency\nratings\n\nSketch\n\nDwelling Exterior\n\nAlways\n\nAlways\n\nNever\n\nNever\n\nFor properties with multiple dwellings,\nthe section repeats for each dwelling.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSection # Section Header\n\nWhen Section Displays on Report\n\nWhen Section Displays Multiple Times\n\nPage 26\n\n9\n\nManufactured Home\n\nWhen there is a manufactured home on the\nproperty\n\n• If the manufactured home is a dwelling, the section\n\ndisplays after the applicable Dwelling Exterior\nsection.\n\n•\n\nIf the manufactured home is an ADU, the section\ndisplays after the applicable Outbuilding section for\nthe ADU.\n\nFor properties with multiple\nmanufactured homes (dwellings or\noutbuildings), the section repeats for\neach manufactured home.\n\n10\n\nUnit Interior\n\n• If the unit is in a dwelling, the section displays after\n\nthe applicable Dwelling Exterior section.\n\n• If the unit is in an outbuilding, the section displays\n\nafter the applicable Outbuilding section.\n\nFor properties with multiple units, or\nproperties with ADU(s), the section\nrepeats for each unit or ADU.\n\n11\n\nFunctional Obsolescence\n\nAlways\n\nNever\n\n12\n\nOutbuilding\n\nWhen there is an outbuilding on the property\n\nFor properties with multiple\noutbuildings, the section repeats for\neach outbuilding.\n\n13\n\n14\n\n15\n\n16\n\n17\n\n18\n\nVehicle Storage\n\nSubject Property Amenities\n\nOverall Quality & Condition\n\nHighest and Best Use\n"} diff --git a/chunks/json/e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd.json b/chunks/json/e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd.json new file mode 100644 index 0000000000000000000000000000000000000000..387f444fb071378a9d8d291f63753cc38b4de649 --- /dev/null +++ b/chunks/json/e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4996,"char_start":4378,"chunk_id":"chk_289e0d4f2e258aea","chunk_index":7,"chunk_sha256":"e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Section 3: Financial Information – Real Estate................................................................................... 25\n\nSection 4: Loan and Property Information .......................................................................................... 26\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n1\n\nSection 5: Declarations ....................................................................................................................... 26\n\nSection 6: Acknowledgements and Agreements ................................................................................. 26\n"} diff --git a/chunks/json/e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6.json b/chunks/json/e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6.json new file mode 100644 index 0000000000000000000000000000000000000000..e736b0fecfb3749f2638d1da64440c8ead8dc753 --- /dev/null +++ b/chunks/json/e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25250,"char_start":23652,"chunk_id":"chk_a895e87c66f6a36f","chunk_index":14,"chunk_sha256":"e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Property Address\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\n700 1st Ave, NW\nUnit 1206\nWashington, DC 20001\n\n700 1st Ave, NW\nUnit 1211\nWashington, DC 20001\n\n700 1st Ave, NW\nUnit 1103\nWashington, DC 20001\n\nComparable #3\n1350 Riverside Ave, NW\nUnit 1627\nWashington, DC 20001\n\n$585,000\n\n$585,000\n\n$600,000\n\n—\n\n$600,000\n\n$(5,000)\n\n$496\n\n$595,000\n\nMost\n\n$615,000\n\n—\n\n$621,000\n\n$(35,200)\n\n$457\n\n$585,800\n\nLess\n\n$570,000\n\n—\n\n$570,000\n\n$22,800\n\n$533\n\n$592,800\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$595,000\n\nReconciliation of Sales Comparison Approach\n\nThe Comparable Sales selected for use in this report were selected for their similar characteristics and location. While comparing each\nproperty to the subject I found the following: Comp #1 is the most similar to the subject; it is located in the same building and on the same\nfloor level as the subject. Further, it is the most similar in size, condition, and quality. Comp #2 is larger in size but still located in the same\nbuilding; its condition and quality are similar to the subject. Comp #3 is from a competing project located close to the subject; it is slightly\nsmaller in size, in similar condition, and the project amenities are effectively equal to those of the subject project. Comp #3 is not a historically\ndesignated property.\n\nAdditional Properties Analyzed Not Used\n\n#\n1\n\n2\n\n3\n\n4\n\n5\n\nProperty Address\n2700 Bar Harbor Ave, NW\nUnit 1009\nWashington, DC 20001\n"} diff --git a/chunks/json/e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5.json b/chunks/json/e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5.json new file mode 100644 index 0000000000000000000000000000000000000000..d053d2ac6c152968b23edc82860b98241825aa18 --- /dev/null +++ b/chunks/json/e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":513261,"char_start":511648,"chunk_id":"chk_91fd1803cef1be50","chunk_index":292,"chunk_sha256":"e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"25.1 TO\n\n01 Rho Se rvicing to pay off existing loan\n\n02 Beta Card, Inc. to pay down credit card balance\n\n03 Principal re duction for e xceeding legal limits to Michael Jones P.O.C. Ficus Bank ($5,000)\n\n25.2 K. TOTAL PAYOFFS AND PAYMENTS\n\n25.1.1 AMOUNT\n\n$124,000.00\n\n$5,000.00\n\n25.2.1 $129,000.00\n\nFigure 142. Principal Reduction as Tolerance Cure-New\n\nTable 158. Principal Reduction as Tolerance Cure-New\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst instance of CLOSING_ADJUSTMENT_ITEM\n\n25.1.1 …P.O.C. Lender\n\n$5,000.00\n\n.../CLOSING_ADJUST\nMENT_ITEM_DETAIL\n\nClosingAdjustmentIt\nemAmount\n\nROF as “$5,000.00”\n\n25.1\n\nPrincipal\nReduction for…\n\nClosingAdjustmentIt\nemType\n\nOther\n\nROF as “for principal\nreduction”\n\nClosingAdjustmentIt\nemTypeOtherDescri\nption\n\nPrincipalReduction\n\n@gse:DisplayLabelT\next\n\nfor exceeding legal\nlimits\n\nROF as “for exceeding\nlegal limits”\n\nClosingAdjustmentIt\nemPaidOutsideOfCl\nosingIndicator\n\ntrue\n\nIntegratedDisclosur\neSectionType\n\nPayoffsAndPayments\n\nROF as “P.O.C.”\n\nFullName\n\nFicus Bank\n\nROF “Ficus Bank”\n\nPrincipal\nReduction for\nexceeding legal\nlimits…\n\n…to Michael Jones\nP.O.C. Ficus\nBank…\n\n25.1 N/A\n\n25.1 …P.O.C. Ficus\nBank…\n\n…/CLOSING_ADJUST\nMENT_ITEM/CLOSIN\nG_ADJUSTMENT_ITE\nM_PAID_BY/INDIVID\nUAL/NAME\n\nAppendix E: UCD Implementation Guide\n\nPage 241 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n25.0 Payoffs and Payments - UPDATED\n\nTable 158. Principal Reduction as Tolerance Cure-New\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n25.1 … for exceeding\n"} diff --git a/chunks/json/e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd.json b/chunks/json/e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd.json new file mode 100644 index 0000000000000000000000000000000000000000..c9d949fe8c3cf5fbdba7eb7816552a784cd08a40 --- /dev/null +++ b/chunks/json/e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27055,"char_start":25339,"chunk_id":"chk_a4a0b94b89769a89","chunk_index":15,"chunk_sha256":"e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd","token_estimate":429,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Quality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nQ3\n\nC2\n\nQ3\n\nC3\n\n$10,000\n\nPatio | Porch\n\nDeck | Porch\n\n$(5,000)\n\nDriveway | 4 | Pavers\nGarage | 2 | Attached\n400 Sq. Ft.\n\nDriveway | 2 | Concrete\nGarage | 2 | Attached\n400 Sq. Ft.\n\n$0\n\n—\n\n—\n\n$285,000\n\n$275,000\n\n—\n\n$270\n\n$195\n\n$285,270\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$275,000\n\nReconciliation of Sales Comparison Approach\n\nThe comparables selected represent the best available market activity in the prior 6 months. Comparables 1, 3, and 4 are CHOICEHomes or\nMHAdvantage.\n\nComparable #1 is similar to the subject in age, quality and condition. However, was given less weight due to the water view, superior lot size\nand living area. The view is a full view of a non-navigable pond with access limited to the properties that have direct waterfront.\n\nComparable #2 was given less weight as it does not have the finishes and upgrades that the subject and other comparables have, has not been\nupdated, and has less living area as compared to the subject.\n\nComparable #3 was given most weight as it is similar to the subject in age, quality and condition and is the most comparable in living area.\n\nComparable #4 was also given most consideration as it represents the most recent market activity, is similar in living area and most similar\nin quality, condition, features and amenities. Comp #4 receives a location adjustment as it is located within a mile of a large lake with public\naccess, boat ramp, and rentable dock space and boat storage.\n"} diff --git a/chunks/json/e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9.json b/chunks/json/e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9.json new file mode 100644 index 0000000000000000000000000000000000000000..d64f664168d69a1345ba6dff43c248c73231afee --- /dev/null +++ b/chunks/json/e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29029,"char_start":26872,"chunk_id":"chk_e4f02b800a3c3d28","chunk_index":19,"chunk_sha256":"e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9","token_estimate":539,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"Federal Housing Finance Agency\n\n8\n\nUAD PUF Version 2.1 Data Documentation\n\nFHFA elected to release data in this manner as some users may wish to merge year-specific information\nderived from other data sources, such as the Home Mortgage Disclosure Act (HMDA) data, to the\nAppraisal-Level PUF. The HMDA data file for 2020 and 2021 includes the 2010 vintage of census tracts,\nwhile the data file for 2022 includes the 2020 vintage of census tracts.\n\nIn Version 2.0 of the Enterprise Appraisal-Level PUF, geographic information was updated based on\nimproved geocoding capabilities for appraisal records between 2013 to 2021.\n\n7. UAD Appraisal-Level PUF Format\n\nThe UAD Appraisal-Level PUF format is described below. Users should consult the UAD Appraisal-\nLevel PUF Dictionary for a full list of data fields.\n\n7a. File Format\n\nThe UAD Appraisal-Level PUF includes one record per appraisal of a subject property associated with a\nmortgage loan acquired by the Enterprises. In other words, the rows represent an appraisal while the\ncolumns include information about the property, comparable properties, borrower(s), neighborhood, and\nappraisal process. The UAD Appraisal-Level PUF is available as year-specific files as well as a\ncombined file.\n\nThe UAD Appraisal-Level PUFs are available in CSV, R, SAS, and Stata formats.\n\n7b. Key Administrative and Geographic Data Fields\n\nUsers should note the following important data fields in the UAD Appraisal-Level PUF\n\nField\nrecord_id\n\nyear\n\ntract_2010\n\ntract_2020\n\nweight\n\nDefinition\nA unique ID for each appraisal record. FHFA created this data field that has\nno relationship to any unique id data fields in the original UAD appraisal\nrecords.\nThe year in which the appraisal was conducted. This data field is used to\nstratify the sample.\nThe 2010 census tract for the appraised property for appraisals conducted\nfrom 2013 through 2021.\nThe 2020 census tract for the appraised property for appraisals conducted in\nyear 2022.\nThe sampling weight for the appraisal record, based on stratification by year\nand sample random sampling within a year. Currently, the weight is the same\nvalue for all records in a given year.\n"} diff --git a/chunks/json/e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d.json b/chunks/json/e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d.json new file mode 100644 index 0000000000000000000000000000000000000000..57f67929ebb451ad24b638651342d410027a53d9 --- /dev/null +++ b/chunks/json/e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":187326,"char_start":185725,"chunk_id":"chk_20d49630df31b649","chunk_index":109,"chunk_sha256":"e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Encroachments affecting the subject property are identified in this subsection using the most appropriate\ndescription from the list provided. The appraiser must identify encroachments by neighboring properties on the\nsubject property in addition to any encroachments of the subject property on a neighboring property.\n\nThere is one row in the Site Features table for each Encroachment. If there are no encroachments, this row does\nnot display.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.058\n4.059\n\nEncroachment\n(Detail)\n\nIf applicable\n\nSite: Site Features - Encroachment\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nBuilding\nDriveway\nFence\nOverhang\nOther (Describe)\n\nEncroachment: An intrusion on a property when a stationary object crosses a\nneighboring property line (e.g., fence, shed, garage, tree).\n•\n•\n•\n•\n•\nNote: Photos or images may be provided for encroachments, which display in\nSite Exhibits with the caption “Encroachment”. An additional caption must be\nprovided, including the encroachment type and any other descriptive\ninformation as appropriate.\n\nAppendix F-1: URAR Reference Guide\n\nPage 73 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Site Features - Encroachment\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nReport\nField ID\n\n4.059\n\nReport Label\n\nWhen to Include\n\nEncroachment\n(Detail)\n\nRequired for each\nencroachment\n\n4.060\n\nEncroachment\n(Impact)\n"} diff --git a/chunks/json/e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e.json b/chunks/json/e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e.json new file mode 100644 index 0000000000000000000000000000000000000000..ebd93ff18ab23c18a70b06e98ca34fc0d062d6b5 --- /dev/null +++ b/chunks/json/e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":329218,"char_start":327577,"chunk_id":"chk_1bed5bf0a4021636","chunk_index":181,"chunk_sha256":"e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n•\n\nthe lender believes an appraisal is warranted based on additional information the lender has about the property or\nsubsequent events.\n\nNote: The lender may not exercise a value acceptance + property data offer if an appraisal is obtained for the transaction.\n\nRepresentations and Warranties\n\nWhen a loan casefile is eligible for value acceptance + property data and the offer is exercised by the lender, Fannie Mae accepts\nthe value estimate submitted by the lender as the value for the subject property. See Selling Guide A2-2-06, Representations and\nWarranties on Property Value for more information.\n\nProperty Data Collection\n\nThe property data collection consists of a visual observation of the interior and exterior areas of the subject property. It must be\nperformed by a trained and vetted property data collector and must adhere to the Uniform Property Dataset (UPD). This dataset\nconsists of all required, conditionally required, and optional data elements for the property data collection of subject property\ndata including photos and a floor plan conforming to the ANSI® standard. See Above and Below Grade Area(s) in SB4-1.3-05,\nDwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report for ANSI standards, and the Property Data\nCollection User Guide and Uniform Property Dataset (UPD) Specification for more information.\n\nAfter the property data collection is completed, it must be successfully submitted to Fannie Mae's Property Data Application\nProgramming Interface (API). See Fannie Mae's website for more information about the UPD and the Fannie Mae Property Data\nAPI and access.\n"} diff --git a/chunks/json/e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d.json b/chunks/json/e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d.json new file mode 100644 index 0000000000000000000000000000000000000000..6daf05637d68e1885d3543731b4cf7b280787188 --- /dev/null +++ b/chunks/json/e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":90190,"char_start":88503,"chunk_id":"chk_d3d08c5a1b81862a","chunk_index":52,"chunk_sha256":"e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004/70\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nREQUIREMENT\n\nPage 52 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nINSTRUCTION\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nGarage/Carport\nThe appraiser should indicate the type of\nparking and number of spaces for each type\nidentified for the subject property and each\ncomparable property.\n\nReporting Format:\nThe appraiser should utilize the below\nabbreviations, in the order that they are listed,\npreceded by the number of parking spaces\nwithout spaces or delimiters.\n\nIf there is no off-street parking, the appraiser\nshould enter “None”.\n\nThe appraiser may include all parking types if\nall types are present. If all types are not\npresent, only the appropriate abbreviations\nshould be included.\n\nga\ngd\n\ngbi\n\ncp\n\ndw\n\nAttached Garage\nDetached Garage\n\nBuilt-In Garage\n\ncarport\n\ndriveway\n\nExamples:\n\n• 2ga2dw\n\n• 1ga2gd1dw\n\n• 1cp\n\n• 1ga1gd1gbi1cp2dw\n\n• None\n\nGarage/Carport (for Condominiums)\nThe appraiser should indicate the type of\nparking and number of spaces for each type\nidentified for the subject property and each\ncomparable property\n\nReporting Format:\nThe appraiser should utilize the below\nabbreviations preceded by the number of\nparking spaces without spaces or delimiters\nbetween the types.\n"} diff --git a/chunks/json/e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16.json b/chunks/json/e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16.json new file mode 100644 index 0000000000000000000000000000000000000000..9ce77cc4461432b91642ac939e0820d0d9b778e7 --- /dev/null +++ b/chunks/json/e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13828,"char_start":10495,"chunk_id":"chk_ea1853951407dc24","chunk_index":6,"chunk_sha256":"e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e169cd9642b15146","text_sha256":"e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16","token_estimate":1033,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Quality___FHFA_9k6xws.md"]},"text":"Sign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/856\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945.json b/chunks/json/e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945.json new file mode 100644 index 0000000000000000000000000000000000000000..8c19e412f9308c5dc84c82b73115c7524797039a --- /dev/null +++ b/chunks/json/e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945.json @@ -0,0 +1 @@ +{"chunk":{"char_end":291232,"char_start":288876,"chunk_id":"chk_a4b5f992bbb2314e","chunk_index":161,"chunk_sha256":"e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945","token_estimate":589,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When a non-manufactured home is used as a comparable sale:\n\n•\n•\n\n•\n\nThe appraisal must include a clear rationale for its inclusion.\nThe appraisal must include supported and well-documented adjustments to account for differences in construction method,\ndesign, and market appeal.\nIn markets where condo projects with manufactured homes are more common, at least two comparables should be\nmanufactured homes located in a condominium project. In markets where condo projects with manufactured homes are\natypical, the appraiser may select comparables from a mixture of manufactured homes and manufactured home condos\nprovided the appraiser is able to provide adequate written explanation and make appropriate adjustments.\n\n• An appraiser that is unable to locate sales of manufactured homes that are truly comparable to the subject property may\ndecide it is appropriate to use either older sales of similar manufactured homes or sales of similar manufactured homes\nthat are located in a competing market to establish a baseline for the “sales comparison analysis” and determine sound\nadjustments to reflect the differences between comparable sales that are available and the subject property.\nThe appraiser must not create comparable sales by combining vacant land sales with the contract purchase price of the\nhome. This type of information may be used as additional supporting documentation.\n\n•\n\nMH Advantage Appraisal Comparable Selection Requirements\n\nMH Advantage properties are built to meet construction, architectural design, and energy efficiency standards that are more\nconsistent with site-built homes. Accordingly, for MH Advantage properties, appraisers must use other MH Advantage properties\n(homes that have an MH Advantage Sticker or the CHOICEHome® label) for the comparable sales. However, if fewer than three\nMH Advantage sales or its equivalent (CHOICEHome®) are available, then the appraiser must supplement those comparable sales\nwith the best and most appropriate sales available. Such sales must include a minimum of two site-built homes in recognition of\nthe design standards for MH Advantage. There is no requirement to include a factory-built home sale(s) that is not MH\nAdvantage, but if used, the appraiser must note why it was selected as a comparable sale, based on an assessment of the\nphysical features of the subject property.\n"} diff --git a/chunks/json/e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a.json b/chunks/json/e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a.json new file mode 100644 index 0000000000000000000000000000000000000000..901071c2a5c48fa36648f2b889b83b0fd19afd06 --- /dev/null +++ b/chunks/json/e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":101641,"char_start":99781,"chunk_id":"chk_bc797c112dea3c81","chunk_index":56,"chunk_sha256":"e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a","token_estimate":465,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"PRINCIPALAND\nINTEREST PAYMENT\nPERIODICADJUSTMENT\nRULES\n\nRATE OR PAYMENT\nCHANGEOCCURRENCE\n\nEach child ADJUSTMENT container has up to four child containers of similar structure: one\nto specify index rules, one to articulate the rules in effect for the life of the conversion\noption or loan, one to identify the rules applicable to “First” and “Subsequent” change\nperiods, and one to communicate associated rules that also are in effect for specified time\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 43 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nperiods. The RATE_OR_PAYMENT_CHANGE_ OCCURRENCE container holds data points\nthat communicate values resulting from the execution of each of the applicable rules.\n\n1. Index_Rules / Index_Rule\n\nThe INDEX_RULE contains data points specifying the index used to govern changes in\nthe interest rate or principal and interest payment. The data points it contains include\nthe index source, lookback period, rounding rules, calculation methods, and index\naveraging rules. While multiple Index Rules can be identified for each potential\nadjustment to a loan (conversion, adjustable rate, or adjustable payments), typically\nthere is only one.\n\nExample IV-7. Use of INTEREST_RATE_ADJUSTMENT / INDEX_RULE for an ARM\n\nThe interest rate adjustment is based on a 1-year LIBOR index published daily in\nthe Wall Street Journal with lookback period of 25 days.\n\nData Point\nIndexSourceType\n\nInterestAndPaymentA\ndjustmentIndexLeadD\naysCount\n\nDefinition\nSpecifies the type and source of\nindex to be used to determine the\ninterest rate at each adjustment.\nThe number of days prior to an\ninterest rate effective date used to\ndetermine the date for the index value\nwhen calculating a new interest rate\non a loan.\n"} diff --git a/chunks/json/e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65.json b/chunks/json/e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65.json new file mode 100644 index 0000000000000000000000000000000000000000..da99c1928084dc0230ecd44ca3be428f93795c60 --- /dev/null +++ b/chunks/json/e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65.json @@ -0,0 +1 @@ +{"chunk":{"char_end":325471,"char_start":323870,"chunk_id":"chk_a1a0f8315f2a210e","chunk_index":192,"chunk_sha256":"e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Room\nCondition Status)\n\nDefinition / Additional Guidance\n\nThe condition status of the kitchen or bathroom.\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNotes:\n•\n\nIf there are varying condition statuses for the individual kitchen or\nbathroom, choose the one that best explains the Interior Condition\nRating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Unit Interior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Unit Interior) subsection.\n\n•\n\n•\n\n10.042 Condition\nComment\n\nFree-form\n\nIf needed to describe\nthe current condition\nof each kitchen and\nbathroom in the unit\n\nA brief description of the current condition of the kitchen or bathroom as of\nthe effective date. For further expansion of commentary, use Unit Interior\nCommentary (10.061).\n\nWhen the item will cause the Market Value Condition of the appraisal (26.009)\nto be subject to repair, the appraiser must also reference the Apparent\nDefects, Damages, Deficiencies table.\n\nAllowable Answer\n\nFully Updated\n\nPartially Updated\n\nNot Updated\n\nRoom Update Status (Choose one for each kitchen or bathroom)\n\nDefinition / Additional Guidance\n\nThe kitchen or bathroom has been completely modernized, renovated, refinished, or remodeled to a like new condition.\nNote: This includes gut rehabs, new additions, or new construction (3.017).\n"} diff --git a/chunks/json/e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087.json b/chunks/json/e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087.json new file mode 100644 index 0000000000000000000000000000000000000000..d9b344bc8db4415d2eab2bf3b3fd648c1bf1ba68 --- /dev/null +++ b/chunks/json/e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087.json @@ -0,0 +1 @@ +{"chunk":{"char_end":886124,"char_start":884510,"chunk_id":"chk_381a85b33ab8917b","chunk_index":526,"chunk_sha256":"e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"358\n\n3\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Finish Square Footage)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n359\n\n3\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Exit Type)\n\nGSE Basement Exit\nType\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBasementExitType\n\n2\n\n2\n\n2\n\n5\n\n6\n\n5\n\n5\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nEnumerated\n\nAllowable Values\n C1\n C2\n C3\n C4\n C5\n C6\n\nNumeric\n\nNumeric\n\nNumeric\n\nString\n\nNumeric\n\nNumeric\n\nThis data is referenced more than once on the form for the subject property, and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Rooms Only.\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bedrooms Only.\n"} diff --git a/chunks/json/e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a.json b/chunks/json/e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a.json new file mode 100644 index 0000000000000000000000000000000000000000..e836a989139b665d6030d706b65023baf85c5630 --- /dev/null +++ b/chunks/json/e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_2acb4f5176dddac0","chunk_index":0,"chunk_sha256":"e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_93274c1ae641603b","text_sha256":"e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Family_Guarantee_Fees_Report___U_S__FEDERAL_88840q.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/single-family-guarantee-fees\"\ndate_accessed: \"2026-01-27T17:47:58.365Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8.json b/chunks/json/e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8.json new file mode 100644 index 0000000000000000000000000000000000000000..da876d8ce4ba3bf4d949446653b30bb76eb54252 --- /dev/null +++ b/chunks/json/e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20397,"char_start":19002,"chunk_id":"chk_c51491bcaf3cb083","chunk_index":4,"chunk_sha256":"e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1d287c681abb2186","text_sha256":"e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8","token_estimate":347,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Integrated_Vendor_List___Fannie_Mae_mb141.md"]},"text":"[]()\n\n- [Home](/)\n - Integrated Vendor List\n\n# Integrated Vendor List\n\nFannie Mae partners with technology and industry vendors across the mortgage lifecycle to enable mutual customers access to our suite of solutions. The list below is a comprehensive view of all integrated and non-integrated companies across Single Family.\n\n**New!** Click here to access the current [property data collection: fulfillment providers list](/property-data-collection-fulfillment-providers).\n\n[]()\n\nName\n\nFannie Mae Product Interface - Any - Asset Validation Report Provider Asset Validation Report Supplier Credit Information Provider Desktop Originator Desktop Underwriter EarlyCheck eClose eNote eVault Income and Employment Validation Report Provider Income and Employment Validation Report Supplier Income Calculator Mission Score API Mortgage Insurance Pricing & Execution - Whole Loan Browse Price Pricing & Execution - Whole Loan Make Commitment Pricing & Execution - Whole Loan Manage Commitment Property Data API Servicing Management Default Underwriter Tax Transcript Validation Report Provider Tax Transcript Validation Report Supplier UAD 3.6 Appraisal Software Provider UAD 3.6 Compliance Rules API Uniform Closing Dataset File Creation Uniform Closing Dataset File Delivery Uniform Collateral Data Portal for UAD 2.6 Uniform Collateral Data Portal for UAD 3.6 Uniform Loan Delivery Dataset\n"} diff --git a/chunks/json/e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da.json b/chunks/json/e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da.json new file mode 100644 index 0000000000000000000000000000000000000000..5e5741eb630f941acb0adeab8c0f1a8386687536 --- /dev/null +++ b/chunks/json/e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":155870,"char_start":154253,"chunk_id":"chk_1f03bc260c84694a","chunk_index":90,"chunk_sha256":"e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A low-capacity road designed as a non-through street that ends in a circle typically used for vehicle turn around; features a\nlow rate of speed and unregulated pedestrian access.\n\nA low-capacity road or series of roads that end abruptly with no specified area for vehicle turn around and only one means\nof entry and exit; features a low rate of speed and unregulated pedestrian access (e.g., non-through street).\n\nA moderate- to low-capacity road primarily designed to provide direct access to individual residential properties; typically\nfeatures single lane, low rates of speed and unregulated pedestrian access (e.g., neighborhood or residential road).\n\nA low-capacity road primarily designed to provide direct access to agricultural properties and larger acreage residential\nproperties; typically present in areas of low population density with low rates of speed and unregulated pedestrian access\n(e.g., county road).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nSite Influence\n\nThe appraiser must fully consider all of the influences that impact the value and marketability of a property’s\nsite and location. These may be onsite or offsite, and sometimes may not be visible from the property or may\neven be located some distance away.\n\nThe appearance of the Site Influence table varies based on the details of the property being appraised.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.025\n\nInfluence\n\nAlways required\n\nSite: Site Influences\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Site\nInfluence)\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7.json b/chunks/json/e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7.json new file mode 100644 index 0000000000000000000000000000000000000000..d4c650f82972c767d9205c821f1f1d711aeef062 --- /dev/null +++ b/chunks/json/e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":381276,"char_start":379658,"chunk_id":"chk_6fe029b82a92067f","chunk_index":219,"chunk_sha256":"e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nLocation\n\nDescription\n\nRoof\n\nSection of Roof\n\nRoof is significantly worn and has\ndamaged flashing, but no apparent\nactive leaks.\n\nAs Is Overall Condition Rating\n\nC5\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nEstimated Cost to\nRepair\n\nYes\n\nRepair\n\n$1,500\n\nTotal Cost\n\n$1,500\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 2 of 21\nPage 2 of 21\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBetty Borrower\nBob Borrower\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nYes No\n \n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nDEF Bank\n200 Elm St\nAnytown, VA 12346\n\nXYZ Appraisal Management\nCompany\n300 Maple Ave\nAnytown, VA 12345\n\nAgatha Appraiser\nSRA\nABC Appraisal Co.\n123 Main St\nAnytown, VA 12345\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n10/10/2020\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n"} diff --git a/chunks/json/e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571.json b/chunks/json/e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571.json new file mode 100644 index 0000000000000000000000000000000000000000..438637712212f9471965a35cdc37355270c05629 --- /dev/null +++ b/chunks/json/e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571.json @@ -0,0 +1 @@ +{"chunk":{"char_end":714206,"char_start":712590,"chunk_id":"chk_6dea3ddfb941f142","chunk_index":423,"chunk_sha256":"e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Seller Is Owner\nIndicator\n\nIndicates that the seller is the owner of the\nproperty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne\nrIndicator='N']\n\nCONTRACT\n\nContract\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@DataSourceD\nescription\n\nCONTRACT\n\nIs there any financial assistance (loan\ncharges, sales concessions, gift or\ndownpayment assistance, etc.) to be paid\nby any party on behalf of the borrower?\nYes\n\nSales Concession\nIndicator\n\nIndicates that someone made concessions\nfor the current sales contract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess\nionIndicator='Y']\n\n9\n\n10\n\n1\n\n1\n\n25\n\n1\n\nMoney\n\nUAD Requirement - Refer to Appendix D Contract Section\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nString\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nUAD Requirement - Refer to Appendix D Contract Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\nAllowable Values PDF Display\n Comp Grid Page 1\nREOSale REO REO sale\nShortSale Short Short sale\nCourtOrderedSale CrtOrd Court ordered sale\nEstateSale Estate Estate sale\nRelocationSale Relo Relocation sale\nNonArmsLengthSale NonArm Non-arms length sale\nArmsLengthSale ArmLth Arms length sale\n"} diff --git a/chunks/json/e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411.json b/chunks/json/e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411.json new file mode 100644 index 0000000000000000000000000000000000000000..273ff43f370603dca8787d6ede1243f31756c4ca --- /dev/null +++ b/chunks/json/e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411.json @@ -0,0 +1 @@ +{"chunk":{"char_end":364902,"char_start":363292,"chunk_id":"chk_296e48beba65bbb2","chunk_index":202,"chunk_sha256":"e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Supporting data points are shown in the following table. The dollar amounts of liabilities that must be paid off as\npart of the closing transaction are represented by data points in the LIABILITY structure. LiabilityType identifies\nthe liability and PayoffAmount provides the amount being paid off. LIABILITY repeats for each payoff item that is\nrepresented on the form. IntegratedDisclosureSubsectionType is not needed because 11.4 does not have a\nheading under Section K.\n\nTable 110. Borrower Payoffs and Payments\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\n11.4\n\nCredit Card Balance\n\n11.4.1 N/A - XML\n\n…/LIABILITY/LIABILI\nTY_DETAIL\n\nLiabilityType\n\nOpen30DayCharge\nAccount\n\nROF as “Credit Card\nBalance”\n\n@gse:DisplayLabelT\next\n\nCredit Card Balance\n\n…/LIABILITY_DETAIL\n/EXTENSION/OTHE\nR\n\ngse:IntegratedDiscl\nosureSectionType\n\nDueFromBorrower\nAtClosing\n\nNot Shown\n\n11.4\n\nCredit Card Balance\nto _____\n\n…/LIABILITY/LIABILI\nTY_HOLDER/NAME\n\n11.4.1 Credit Card Balance\n\n($)\n\n…/LIABILITY/PAYOF\nF\n\nFullName\n\nFinance Bank\n\nROF as “to Finance\nBank”\n\nPayoffAmount\n\n2000.00\n\nROF as “$2,000.00”\n\n11. 5 ADJUSTMENTS - UPADATED\n\nNon-prorated items for which the Borrower is reimbursing the Seller at closing are disclosed under the heading\nAdjustments. Examples include the balance in the seller’s reserve account held for an existing loan (if assigned\nto the borrower(s) in a loan assumption), any rent the borrower would collect after closing for a period prior to\nclosing, and the treatment of any tenant security deposit.\n\nAppendix E: UCD Implementation Guide\n"} diff --git a/chunks/json/e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172.json b/chunks/json/e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172.json new file mode 100644 index 0000000000000000000000000000000000000000..508f5140582c7e652395816e5d1ea5b8c1b27c37 --- /dev/null +++ b/chunks/json/e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31382,"char_start":29748,"chunk_id":"chk_285e83062f20b926","chunk_index":18,"chunk_sha256":"e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172","token_estimate":417,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Local Road | Asphalt\n\nPastoral | Full\n\nPastoral | Full\n\nLocal Road\n| Asphalt\n\nPastoral | Full\n\nRural Road\n| Gravel\n\nAgricultural | Full\n\n1979\n\nColonial\n\n1980\n\nColonial\n\n$0\n\n1984\n\nColonial\n\n$0\n\n1938\n\nFarmhouse\n\nForced Warm Air | Electric\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nEnergy Efficient And Green Features\n\nRenewable Energy\nComponent\n\nEfficiency Rating\n\nSolar\n\nHERS | 65\nHome Energy Score | 7\n\n$0\n\nNone\n\nNone\n\n$0\n\nSolar\n\nHERS | 65\nHome Energy Score | 8\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nLocation of ADU\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n5\n\n3 | 1\n\n5\n\n3 | 1\n\n3\n\n$0\n\n2 | 1\n\n$30,000\n\n3,228 Sq. Ft.\n\n$0\n\n3,562 Sq. Ft.\n\n$(20,640)\n\n1,856 Sq. Ft.\n\n$115,840\n\n1,581 Sq. Ft.\n\n$(9,480)\n\n1,000 Sq. Ft.\n\n$13,760\n\n616 Sq. Ft.\n\n395 Sq. Ft.\n\n$4,420\n\n281 Sq. Ft.\n\n$6,700\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n$53,760\n\n$12,320\n\nStandalone ADU\n\nDwelling\n\n1\n\n1 | 0\n\n$0\n\n$0\n\nDwelling\n\n1\n\n1 | 0\n\n$0\n\n$0\n\nADU/Garage\n\n1\n\n1 | 0\n\n$0\n\n$0\n\n500 Sq. Ft.\n\n$(1,840)\n\n0 Sq. Ft.\n\n$18,560\n\n625 Sq. Ft.\n\n$(6,440)\n\n0 Sq. Ft.\n\n500 Sq. Ft.\n\n$(20,000)\n\n0 Sq. Ft.\n\n5\n\n3 | 1\n\n3,304 Sq. Ft.\n\n1,344 Sq. Ft.\n\n0\n\n1 | 0\n\n464 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nRoof\n\nCondition\n\nQ4\n\nAluminum\n\nComposition\n\nC3\n\nQ4\n\nVinyl\n\nMetal\n\nC3\n\nQ4\n\nAluminum\n\nComposition\n\nC3\n\nQ2\n\nCement Board\n\nMetal\n\nC2\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3.json b/chunks/json/e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3.json new file mode 100644 index 0000000000000000000000000000000000000000..606e46015bf0a265b7e093401accb7e95046dcc0 --- /dev/null +++ b/chunks/json/e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":71458,"char_start":69696,"chunk_id":"chk_4a191249e523929f","chunk_index":39,"chunk_sha256":"e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The value of the solar panels must not be included in other debt secured by real estate in the CLTV ratio\ncalculation because the documented lease or power purchase agreement status takes priority.\n\nThe property must maintain access to an alternate source of electric power that meets community\nstandards.\n\nThe lease or power purchase agreement must indicate that\n\n•\n\n•\n\nany damage that occurs as a result of installation, malfunction, manufacturing defect, or the\nremoval of the solar panels is the responsibility of the owner of the equipment and the owner\nmust be obligated to repair the damage and return the improvements to their original or prior\ncondition (for example, sound and watertight conditions that are architecturally consistent with\nthe home);\n\nthe owner of the solar panels agrees not to be named loss payee (or named insured) on the\nproperty owner’s property insurance policy covering the residential structure on which the panels\nare attached. As an alternative to this requirement, the lender may verify that the owner of the\nsolar panels is not a named loss payee (or named insured) on the property owner’s property\ninsurance policy; and\n\n•\n\nin the event of foreclosure, the lender or assignee has the discretion to\n\no\n\nterminate the lease/agreement and require the third-party owner to remove the\nequipment;\n\no become, without payment of any transfer or similar fee, the beneficiary of the borrower’s\n\nlease/agreement with the third party; or\n\no enter into a new lease/agreement with the third party, under terms no less favorable\n\nthan the prior owner.\n\nAny exceptions to coverage on the title insurance policy for recorded instruments relating to the solar\npanels must comply with Selling Guide B7-2-05, Title Exceptions and Impediments.\n"} diff --git a/chunks/json/e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc.json b/chunks/json/e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc.json new file mode 100644 index 0000000000000000000000000000000000000000..e4b71bee85fdcc707c4f60b232a640dae5a785cd --- /dev/null +++ b/chunks/json/e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":103754,"char_start":102151,"chunk_id":"chk_ffc2f6d4aa1c7691","chunk_index":58,"chunk_sha256":"e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Introduction\n\nThis topic contains information on the definition of market value and alternate opinion(s) of value.\n\n• Overview\n• Definition of Market Value\n• Alternate Opinion(s) of Value\n\nOverview\n\nAn opinion of market value that meets the market value definition below is required for Uniform Residential Appraisal Report\n(URAR). In addition to developing an opinion of market value for the subject property, the lender may also request an alternate\nopinion of value. The appraiser must develop and communicate each opinion of value in accordance with the Uniform Standards\nof Professional Appraisal Practice (USPAP).\n\nDefinition of Market Value\n\nMarket value is the most probable price that a property should bring in a competitive and open market under all conditions\nrequisite to a fair sale with the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected\nby undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from\nseller to buyer under conditions whereby:\n\n• buyer and seller are typically motivated;\n\n• both parties are well informed or well advised, and each acting in what they consider to be in their own best interest;\n\n•\n\na reasonable time is allowed for exposure in the open market;\n\n• payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and\n\n•\n\nthe price represents the normal consideration for the property sold unaffected by special or creative financing or sales\nconcessions granted by anyone associated with the sale.\n"} diff --git a/chunks/json/e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914.json b/chunks/json/e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914.json new file mode 100644 index 0000000000000000000000000000000000000000..3d2dd0bf8fb4f1608396b452d2bc30d4bd18bf73 --- /dev/null +++ b/chunks/json/e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914.json @@ -0,0 +1 @@ +{"chunk":{"char_end":303837,"char_start":302001,"chunk_id":"chk_efadac936416a5d5","chunk_index":167,"chunk_sha256":"e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914","token_estimate":459,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n•\n\n$300 annual ground rent/5.75% capitalization rate = $5,217.39 (rounded to $5,200)\n$100,000 fee simple value – $5,200 leased fee value = $94,800 (leasehold value)\n\nLeasehold Value Requested Condition Commentary\n\nWhen a leasehold property is held by a community land trust, the appraiser must, in addition to providing a leasehold value as\noutlined above, include the following details in the Requested Condition Commentary within the Reconciliation section of the\nappraisal report:\n\n•\n•\n•\n\na detailed description of the leasehold value development,\nthe development of the capitalization rate, and\nan expanded discussion of the comparable sales used and considered.\n\nThe following statement must also be provided:\n\n“This appraisal is made on the basis of the hypothetical condition that the property rights being appraised are the leasehold\ninterest without resale and other restrictions that are removed by the Community Land Trust Ground Lease Rider.”\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 115 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-07, Non-Residential Use Appraisal Requirements for Mixed-Use\nProperties (06/04/2025)\n\nIntroduction\n\nThis topic contains information on special appraisal considerations for mixed-use properties with non-residential use(s),\nincluding:\n\n• Overview\n• Non-Residential Use Appraisal Requirements for Mixed-Use Properties\n• Non-Residential Use Reporting\n\nOverview\n\nFannie Mae purchases or securitizes mortgage loans secured by properties that have a business use in addition to their residential\nuse provided that special eligibility criteria are met. These business uses can include, but are not limited to, properties with space\nset aside for day care facilities, beauty or barber shops, or doctor’s offices. For eligibility criteria, see SB2-3-04, Special Property\nEligibility Considerations.\n"} diff --git a/chunks/json/e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b.json b/chunks/json/e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b.json new file mode 100644 index 0000000000000000000000000000000000000000..8b618081967913ec42265a85baae0ca3188fdce1 --- /dev/null +++ b/chunks/json/e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37029,"char_start":35374,"chunk_id":"chk_a991f54f81ae01c7","chunk_index":21,"chunk_sha256":"e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b","token_estimate":413,"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":"Depreciated site improvements include 2 decks, dock, utilities to site and electric to water front, fencing, and driveway.\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 25 of 30\nPage 25 of 30\n\nCost Approach (continued)\n\nCost Approach Exhibits\n\nMap of Land Comparables\n\nThis is where the Map of Land Comparables image would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$445,000\n\nIncome Approach\n\nCost Approach\n$459,500\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$445,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n45 Days\n09/25/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\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 26 of 30\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nOutbuilding - Barn\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nExterior Walls and Trim\n\nEntire Exterior\n\nThe overall structure is showing deterioration;\nmajor issues include holes in the wall of the\nbuilding.\n\nNo\n\nNone\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c.json b/chunks/json/e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c.json new file mode 100644 index 0000000000000000000000000000000000000000..eb32116348c1da79d3a06dcc6a49cd91c855b4ce --- /dev/null +++ b/chunks/json/e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":190525,"char_start":188926,"chunk_id":"chk_9fbdeb8b3fc0d9bb","chunk_index":93,"chunk_sha256":"e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 84 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 72. P&I Payments for 30-Year Fixed Rate Loan with Private MI\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.2.2\n\nYears 1 – 7\nPrincipal & Interest\n($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\n761.78\n\nROF as “$761.78”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.2.5\n\nYears 8 – 30\nPrincipal & Interest\n($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\n761.78\n\nROF as “$761.78”\n\nEnd of PROJECTED_PAYMENT Instances\n\n2. P& I PAYMENT I NCREASES\n\nPayment frequency and number of b. Payment Change Events determine how many columns must be disclosed.\nThe values of the following data points can be leveraged to establish whether more than one column is required\nand to identify additional data points that may be used to determine payment change year ranges and amounts.\n\nTable 73. Data Points Indicating Impact to P&I Payment\n\nForm Field ID\n\nData Point Name\n\nImplications\n\n4.5.2\n\nBalloonIndicator\n\n4.3.3\n\nInterestOnlyIndicator\n\n3.6 | 5.3 | 5.3 MIRequiredIndicator\n\nWhen true, more than one column is required; balloon payment\ndisclosed as last column.\n\nWhen true, more than one column is required; return to\namortizing payments is captured as a new column.\n\nWhen true, does not change the P&I payment, but does change\nthe Estimated Total Payment, so a new column is required when\nMI is no longer required.\n\n4.1.3\n"} diff --git a/chunks/json/e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737.json b/chunks/json/e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737.json new file mode 100644 index 0000000000000000000000000000000000000000..a9b14b449f94247991c157094eeb1d9d63f4e43f --- /dev/null +++ b/chunks/json/e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737.json @@ -0,0 +1 @@ +{"chunk":{"char_end":415825,"char_start":414177,"chunk_id":"chk_72320d5bf33302d3","chunk_index":243,"chunk_sha256":"e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737","token_estimate":412,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Site Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nThis data is referenced more than once on the form for the subject property, and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Site Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n94\n\n1\n\ne-6\n\nPROJECT SITE\n\nView\n\n(View Type)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp\ne\n\n19\n\nEnumerated\n\n95\n\n1\n\ne-7\n\nPROJECT SITE\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt\nherDescription\n"} diff --git a/chunks/json/e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad.json b/chunks/json/e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad.json new file mode 100644 index 0000000000000000000000000000000000000000..fe5487c43313e814d6a1dea571f3bf1160bc5060 --- /dev/null +++ b/chunks/json/e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7530,"char_start":6160,"chunk_id":"chk_4620cca9fa9a90e4","chunk_index":10,"chunk_sha256":"e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Useful Links: ...................................................................................................................................... 60\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n2\n\nFannie Mae Implementation Guide Revision History\n\nDocument Date\n\nVersion No.\n\nDescription\n\nAugust 8, 2025\n\n2.6.1\n\nSeptember 28, 2022\n\n2.6\n\nJune 29, 2021\n\n2.5\n\nDecember 18, 2019\n\n2.4\n\nMay 15, 2019\n\n2.3\n\nFebruary 26, 2019\n\n2.2\n\nJanuary 17, 2019\n\n2.1\n\nRemoved outdated Useful Link for “Training on the\nDU Spec or Redesigned 1003” in Appendix B.\nAdded guidance for Construction Method Type in\nSection 9.\nModified Context diagram to include Shared Equity\nAmount to support subsidies.\n\nUpdated document to reflect the recent DU Spec\n1.8.3 publication.\nRemoved the FAQs section to an independent\ndocument: Frequently Asked Questions for the DU\nSpec\n\nMinor formatting changes throughout document.\nUpdated Chapter 4: Section 1b\n\nFAQs: Updated 15, 20, 22, 24, 26, 30, 37, 38, 41, 42\nand added 2 new.\n\nUpdated Chapter 6: 1a, 2a, 3a, L1, L3, L4\n\nMinor formatting changes throughout document.\nUpdated Chapter 2: Credit Request paragraph.\nUpdated Chapter 4: Section names corrected to\nmatch redesigned URLA.\nFAQs: Updated 5, 7, 8, 9, 11, 14, 15, 22, 23, 28, 30,\n31, 32, and added 11 new.\nUpdated Chapter 6: Updated all diagrams for legend\nchange and content.\n"} diff --git a/chunks/json/e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400.json b/chunks/json/e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400.json new file mode 100644 index 0000000000000000000000000000000000000000..dbd8ec757ae6a3830ec011e7d4fcbfbf04ab7ad3 --- /dev/null +++ b/chunks/json/e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400.json @@ -0,0 +1 @@ +{"chunk":{"char_end":116988,"char_start":114131,"chunk_id":"chk_ac766fa0b94ade83","chunk_index":68,"chunk_sha256":"e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400","token_estimate":715,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of the sanitary sewer service if present and\nnot public. If no sanitary sewer service is present, indicate 'None' in the\ndescription field.\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the street type. The value 'None' should be indicated\nif none is present.\n\nString\n\nString\n\nIf utilities are present, at least one of fields 1-\n99, 1-100 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-101 (Site\nUtility Non Public Description).\nIf field 1-100 (Site Utility Non Public\nIndicator) is indicated, this field is required. If\nno utilities are present 'None' must be\npopulated.\nIf utilities are present, at least one of fields 1-\n102, 1-103 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-104 (Site\nUtility Non Public Description).\nIf utilities are present, at least one of fields 1-\n102, 1-103 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-104 (Site\nUtility Non Public Description).\nIf field 1-103 (Site Utility Non Public\nIndicator) is indicated, this field is required. If\nno utilities are present 'None' must be\npopulated.\nIf utilities are present, at least one of fields 1-\n105, 1-106 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-107 (Site\nUtility Non Public Description).\nIf utilities are present, at least one of fields 1-\n105, 1-106 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-107 (Site\nUtility Non Public Description).\nIf field 1-106 (Site Utility Non Public\nIndicator) is indicated, this field is required. If\nno utilities are present 'None' must be\npopulated.\nIf utilities are present, at least one of fields 1-\n108, 1-109 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-110 (Site\nUtility Non Public Description).\nIf utilities are present, at least one of fields 1-\n108, 1-109 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-110 (Site\nUtility Non Public Description).\nIf field 1-109 (Site Utility Non Public\nIndicator) is indicated, this field is required. If\nno utilities are present 'None' must be\npopulated.\n"} diff --git a/chunks/json/e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff.json b/chunks/json/e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff.json new file mode 100644 index 0000000000000000000000000000000000000000..641b5a4ea193c3b5ceac65a2de04bd59bd8a9ff5 --- /dev/null +++ b/chunks/json/e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1284177,"char_start":1282522,"chunk_id":"chk_0f4329e2dbf8104a","chunk_index":761,"chunk_sha256":"e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"45\n\n2\n\n10\n\n50\n\n50\n\nString\n\nString\n\nString\n\nString\n\nString\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nDate of Signature\n\nSupervisor Report\nSigned Date\n\nIndicates the date the supervisor signed\nthe report.\n\n/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate\n\n10\n\nDate/Time\n\nThis field contains the lender/client company name. This data is referenced more\nthan once on the form (refer to field 1-36) and must be represented consistently, to\nthe extent the available space permits. The printed version of this field must appear\ncompletely in at least one location on the form, but may be truncated in the other\nlocation\n\nThis address information is treated differently from other address fields on the\nappraisal form in order to accommodate lender requirements.\n\nThis is a free text field which should contain the supervisory appraiser’s company\nname.\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if there is a\nsupervisory appraiser\n\nShould conform to USPS (Pub 28). The following address elements should be\nincluded in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\n\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• City\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• USPS two-letter state or territory representation\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• 5-digit ZIP Code or ZIP+4\n"} diff --git a/chunks/json/e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787.json b/chunks/json/e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787.json new file mode 100644 index 0000000000000000000000000000000000000000..39a0949d2169e44fd94a07fde3d9194caac27d81 --- /dev/null +++ b/chunks/json/e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787.json @@ -0,0 +1 @@ +{"chunk":{"char_end":781219,"char_start":779616,"chunk_id":"chk_2a1b3b3e427c1bd3","chunk_index":465,"chunk_sha256":"e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Limited windows and doorways, constructed\nof lower-grade materials and featuring\nminimal or no trim and finish.\nBasic roof design, usually low-pitch and\nsingle roofline; may possess inconsistent\nrooflines if additions are present; features\nlow-grade or alternate roof materials.\nExterior walls constructed using economy or\nlow-grade materials and featuring minimal\ncorners; usually a basic rectangular shape.\n\nAppendix F-1: URAR Reference Guide\n\nPage 350 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nAppendix 3: ANSI Examples\n\nThis Appendix shows examples of applying the ANSI measurement standard.\n\nANSI Example 1: Cape Cod with Finished Below Grade Area and Second Floor\n\nThis is an example of a cape cod-style house with some finished area below grade and on the second floor.\n\nDwelling Exterior\n\nThe Dwelling Exterior section provides context with Dwelling Style and Year Built, in addition to the picture of\nthe home.\n\nAppendix F-1: URAR Reference Guide\n\nPage 351 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nUnit Interior\n\nStandard and nonstandard finished areas are reported separately in the Area Breakdown subsection. They are\nonly combined in the Level and Room Detail table.\n\nUnit Interior Commentary is used to more fully describe the standard and nonstandard finished areas, including\na description as to why the area is nonstandard.\n\nAppendix F-1: URAR Reference Guide\n\nPage 352 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nSketch\n\nAppendix F-1: URAR Reference Guide\n\nPage 353 of 375\n\nVersion 1.3\n"} diff --git a/chunks/json/e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0.json b/chunks/json/e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0.json new file mode 100644 index 0000000000000000000000000000000000000000..203db9397e479c96866ffbc15410fe3d9a809072 --- /dev/null +++ b/chunks/json/e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38014,"char_start":35601,"chunk_id":"chk_ba4f40ad86b6e2b3","chunk_index":21,"chunk_sha256":"e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0","token_estimate":603,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 23\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Sales Comparable Map would display.\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 23\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$775,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$770,000\n$775,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n60-90 Days\n09/08/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 23\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"} diff --git a/chunks/json/e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c.json b/chunks/json/e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c.json new file mode 100644 index 0000000000000000000000000000000000000000..40cc86c561ec6dd2cc92194b61492792d25fe0a4 --- /dev/null +++ b/chunks/json/e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8853,"char_start":7179,"chunk_id":"chk_0efe1acee6072697","chunk_index":4,"chunk_sha256":"e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf77b94d152cdbdc","text_sha256":"e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c","token_estimate":419,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2019.pdf"]},"text":"01=11th District cost of funds; 02=Other cost of funds;\n03=LIBOR; 04=1 year constant Treasury Rate; 99=Not\nan ARM\nMargin added to the index used for the calculation of\nthe interest on an ARM. 9999=Not Applicable\nDate when prepayment penalty ends; report 9999-12-\n31 if not applicable\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n\n47\n\nBorrower1Race3Type\n\nRace3\n\nBorrower1 Race3 Type\n\n48\n\nBorrower1Race4Type\n\nRace4\n\nBorrower1 Race4 Type\n\n49\n\nBorrower1Race5Type\n\nRace5\n\nBorrower1 Race5 Type\n\n50\n\nBorrower2EthnicityType\n\nCoEth\n\nBorrower2 Ethnicity Type\n\n51\n\nBorrower2Race2Type\n\nCoRace2\n\nBorrower2 Race2 Type\n\n52\n\nBorrower2Race3Type\n\nCoRace3\n\nBorrower2 Race3 Type\n\n53\n\nBorrower2Race4Type\n\nCoRace4\n\nBorrower2 Race4 Type\n\n54\n\nBorrower2Race5Type\n\nCoRace5\n\nBorrower2 Race5 Type\n\n55 HOEPALoanStatusType\n\nHOEPA\n\nHOEPA Loan Status Type\n\n56\n\nLienPriorityType\n\nLienStatus\n\nLien Priority Type\n\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\n\nAcqTyp\nAff1\nAff2\nAff3\nAff4\nBed1\nBed2\nBed3\nBed4\nCICA\nCoop\nFeatureID\nFedInsbltyPlan\nGeog\nGSEREO\nIncRat\nRent1\nRent2\nRent3\n"} diff --git a/chunks/json/e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1.json b/chunks/json/e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1.json new file mode 100644 index 0000000000000000000000000000000000000000..08884fc63e7bda55dcf46bb6a9fa5bd3d8c65580 --- /dev/null +++ b/chunks/json/e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":327158,"char_start":325514,"chunk_id":"chk_22d602eed65b37ed","chunk_index":188,"chunk_sha256":"e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,\nopinions, statements, conclusions, and the appraiser’s certification.\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),\nis qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.\n\n8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the\nAppraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted.\n\n9. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\nAdditional Supervisory Appraiser Certifications\n"} diff --git a/chunks/json/e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33.json b/chunks/json/e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33.json new file mode 100644 index 0000000000000000000000000000000000000000..211fe6e945f48168155d2c4a867a9b3a27a9f843 --- /dev/null +++ b/chunks/json/e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10682,"char_start":8795,"chunk_id":"chk_0e039226e50395f7","chunk_index":5,"chunk_sha256":"e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_833832bcbd7b659d","text_sha256":"e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33","token_estimate":472,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Representation_and_Warranty_Framework___FHFA_7tfg5e.md"]},"text":"FHFA and the Enterprises have engaged in a multi-year effort since 2012, to improve the Representation and Warranty Framework (Framework). Prior to this effort, the Enterprises had significant discretion to determine whether or not a loan had underwriting defects and what constituted an appropriate remedy for a defective loan. This generated uncertainty for lenders and can contribute to increased credit overlays that affect lending costs and may reduce access to credit. The objective of the Framework has been to enhance transparency and certainty for lenders by clarifying when a mortgage loan may be subject to repurchase.\n\nThe first improvements to the Framework took effect in January 1, 2013 with the introduction of representation and warranty relief for underwriting the borrower and property when a loan meets certain payment history requirements, such as 36 consecutive on-time monthly payments made by the borrower.\n\nAdditional enhancements to the Framework were announced in 2014, such as adjusting the payment history requirement to allow up to two delinquencies of 30 days or less within the first 36 months after loan purchase and allowing lenders to stand in for an insurer when mortgage insurance is rescinded after delivery.\n\nThe Enterprises took additional steps in 2015 to finalize improvements to the Framework, categorizing loan origination and servicing defects and the appropriate remedies available to address them.\n\nIn February 2016, the final piece of the Framework was completed – the independent dispute resolution (IDR) program. Developed cooperatively by Fannie Mae, Freddie Mac, FHFA and the lending community, IDR is designed as a way to resolve contested loan-level disputes about repurchase requests. Under this program, a neutral third party will determine whether a breach of representations and warranties exists to support a repurchase request.\n"} diff --git a/chunks/json/e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a.json b/chunks/json/e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a.json new file mode 100644 index 0000000000000000000000000000000000000000..3513477f471cbeb9e3198c4cae8587fa0e82e035 --- /dev/null +++ b/chunks/json/e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1628,"char_start":0,"chunk_id":"chk_ed9a057b1bba6b67","chunk_index":0,"chunk_sha256":"e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a","token_estimate":407,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"Unit # 7\nOwner of Public Record 12\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a\n 2\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\nProperty Address 6\nBorrower 11\nLegal Description 14\nAssessor’s Parcel # 15\nProject Name 18\nOccupant Owner Tenant Vacant\nProperty Rights Appraised Fee Simple Leasehold Other (describe) 32\nAssignment Type Purchase Transaction Refinance Transaction Other (describe) 36\nLender/Client 37\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No\nReport data source(s) used, offering price(s), and date(s). e-2; 41\n\nPhase # 19\nSpecial Assessments $ 25\n\nTax Year 16\nMap Reference 20\n\nR.E. Taxes $ 17\nCensus Tract 21\n\nState 9\nCounty 13\n\nper year per month\n27\n\nHOA $ 26\n\nZip Code 10\n\nAddress 38\n\nS\nU\nB\nJ\nE\nC\nT\n\nCity 8\n\n34\n\n29\n\n23\n\n24\n\n30\n\n22\n\n33\n\n31\n\n35\n\n39\n\n28\n\n40\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nP\nR\nO\nJ\nE\nC\nT\n\nS\nI\nT\nE\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\n42\n\nI did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\n43\nperformed. e-3; 44\n\nContract Price $ 45\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No\nIf Yes, report the total dollar amount and describe the items to be paid. 52a; e-4; 52b\n"} diff --git a/chunks/json/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.json b/chunks/json/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.json new file mode 100644 index 0000000000000000000000000000000000000000..f362980b87351ec5f422a1593138da7cb428dc20 --- /dev/null +++ b/chunks/json/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.json @@ -0,0 +1 @@ +{"chunk":{"char_end":212242,"char_start":210318,"chunk_id":"chk_b4b27e1566e12b61","chunk_index":204,"chunk_sha256":"e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844","token_estimate":481,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"\n \n\n\n\nHERS\nRESNET\n62\n\n\n\n\n\n\nEnergy Efficient and Green Features Commentary\n\nThe Energy Efficient and Green Features Commentary subsection displays only when comments are provided, and the Energy Efficient and\nGreen Features section is included on the report.\n\nComments must use ValuationCommentText (UID: 0100.0044, FID: 6.016) AND ValuationAnalysisCategoryType (UID: 0100.0045, FID: 6.016) =\n“EnergyEfficiencyAndGreenFeatures”.\n\n\n\nEnergyEfficiencyAndGreenFeatures\nAdditional commentary may be added here.\n\n\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nEnergy Efficient and Green Features Exhibits\n\nThe Energy Efficient and Green Features Exhibits subsection displays only when images are provided, and the Energy Efficient and Green\nFeatures section is included on the report. All text must display above the image in bold font. (Figure 6 - 6)\n\nPage 149\n\n•\n\n•\n\nImage must be delivered using ImageCategoryType (UID: 1400.0638, FID: 6.017.1) =\n“EnergyEfficientAndGreenFeaturesExhibit”.\nImage caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 6.017.2).\n\n\n\nDescriptive caption for exhibit.\nEnergyEfficientAndGreenFeaturesExhibit\nzip://location/EnergyEfficientAndGreenExhibit.jpg\nimage/jpeg\n"} diff --git a/chunks/json/e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487.json b/chunks/json/e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487.json new file mode 100644 index 0000000000000000000000000000000000000000..4b58742fe21f759a01c80fb460d322df58730037 --- /dev/null +++ b/chunks/json/e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487.json @@ -0,0 +1 @@ +{"chunk":{"char_end":704487,"char_start":702886,"chunk_id":"chk_1c15a805e8717cef","chunk_index":417,"chunk_sha256":"e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY[@_RightsType='Leasehold']\n\nSUBJECT\n\nProperty Rights Appraised\nOther\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType='Other']\n\nMoney\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only. If there are no special assessments applicable to the subject\nproperty, the appraiser should enter zero (0) in this data field.\n\nUAD Requirement - Refer to Appendix D Subject Section\nWhole dollars only. If there are no mandatory HOA fees applicable to the subject\nproperty, appraiser must enter zero (0) in this data field.\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nSUBJECT\n\nProperty Rights Appraised\nOther (describe)\n\nProperty Rights\nType Other\nDescription\n\nA free form text field used to collect\nadditional information when Other is\nselected for Property Rights Type.\n\n/VALUATION_RESPONSE/PROPERTY/@_RightsTypeOtherDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nSUBJECT\n\nAssignment Type\nPurchase Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType='Purchase']\n\nSUBJECT\n\nAssignment Type\nRefinance Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType='Refinance']\n"} diff --git a/chunks/json/e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d.json b/chunks/json/e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d.json new file mode 100644 index 0000000000000000000000000000000000000000..53a6e9a65fb2e2267659e9e5dc8c81d0a064a277 --- /dev/null +++ b/chunks/json/e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":425800,"char_start":424732,"chunk_id":"chk_69a9146f9181d4fb","chunk_index":240,"chunk_sha256":"e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.3.3 (2) Can go as high as <$>…\n4.3.3 (2) …in year <#>\n\n19.8 Maximum Payment <$>…\n19.8 …starting at <#> payment\n\n▪ Only concerned with first adjustment\n▪ Describes change events in terms of years\n\n▪ Describes both first & subsequent adjustments\n▪ Describes change events in terms of months\n\nAppendix E: UCD Implementation Guide\n\nPage 198 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nC. FOR MORE I NFORMAT I ON\n\n19.0 Reg §1026.38(m), pp. 80127, 80359, 80036; 38(m)-1 = Cross Reference to §1026.37(i) pp. 80118-19,\n\n80345-6, 79970-2; 37-1 p. 79970; 37(o); 37(i)-1 p. 79970; 37(i)(5)-5 p. 80346; Sample Form H-24(C), p.\n80149.\n\n19.1 §1026.37(i)(1) p. 80118, 79970; §1026.37(a)(10)(ii)(B) p. 80113\n\n19.2 §1026.37(i)(2) p. 80118, 79970; §1026.37 (i)-2.\n\n19.3 §1026.37(i)(3) p. 80118, 79970; §1026.37(a)(10)(ii)(C) p. 80113\n\n19.4 §1026.37(i)(4) p. 80118 ,79970; §1026.37(i)(2)(iv) p. 80345; §1026.37(a)(10)(ii)(E) p. 80113;.\n\n19.5 §1026.37(i)(5)-1 pp. 80118, 80345, 79970.f\n\n19.6 §1026.37(i)(5)(i) p. 80119, 79970; 37(i)(5)-2 p. 80346.\n"} diff --git a/chunks/json/e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be.json b/chunks/json/e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be.json new file mode 100644 index 0000000000000000000000000000000000000000..a9f1953cde2193ac8d0eb778ab5145557d234ae7 --- /dev/null +++ b/chunks/json/e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":257154,"char_start":255499,"chunk_id":"chk_690768cc3a6fdde8","chunk_index":231,"chunk_sha256":"e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be","token_estimate":413,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unit Interior: Quality and Condition – Kitchen and Bathroom Details\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n10.037\n\nRoom\n\n0700.0035\n\nRoomType\n\n0700.0121\n\nLevelType\n\nDisplay for each Kitchen and Bath in unit\n\n10.038\n\nUpdate Status\n\n0700.0036\n\nRoomUpdateStatusType\n\nDisplay for each Kitchen and Bath in unit\n\n10.039\n\nTime Frame\n\n0700.0034\n\nRoomUpdatedTimeframeType\n\nDisplay when RoomUpdateStatusType = \"FullyUpdated\" OR\n\"PartiallyUpdated\"\n\n10.040\n\nQuality Comment\n\n0700.0044\n\nRoomQualityDescription\n\nDisplay when provided\n\n10.041\n\nCondition Status\n\n0700.0033\n\nRoomConditionStatusType\n\nDisplay for each Kitchen and Bath in unit\n\n10.042\n\nCondition Comment\n\n0700.0113\n\nRoomConditionAdditionalDescription\n\nDisplay when provided\n\n10.043\n\nOverall Update Status for\nBathrooms\n\n0700.0117\n\nOverallBathroomsUpdateStatusType\n\nAlways display\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 10 - 10\n\nPage 187\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 188\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nInterior Features\n\nThe Interior Features table provides specifics about the interior quality and condition ratings. It includes a row for each of the following:\n\nPage 189\n\n• Flooring\n• Walls and Ceiling\n• Other, if provided\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n10.044\n\nFlooring\n\n0700.0046\n\nImprovementComponentType = “Flooring”\n\nAlways displays\n\nUnit Interior: Quality and Condition\n\n10.045\n\nDetail\n\n0700.0041\n\nFlooringType\n\nDisplay when ImprovementComponentType = \"Flooring\"\n\n- When there are multiple types of flooring in the unit, each flooring type displays on a\n"} diff --git a/chunks/json/e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d.json b/chunks/json/e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d.json new file mode 100644 index 0000000000000000000000000000000000000000..4e635932d95fae6c56f87b807a97dfb045b8620d --- /dev/null +++ b/chunks/json/e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17771,"char_start":15596,"chunk_id":"chk_2f07ffe56c7e8fa6","chunk_index":9,"chunk_sha256":"e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2669302acf0b4029","text_sha256":"e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_System___FHFA_rv5zt.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/791\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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Metal galvanized roofs\ncan deteriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nDwelling Exterior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 10 of 29\n\nDwelling Exterior - Building 2 (continued)\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nApparent Defects, Damages, Deficiencies - Roof\n\nThis is where the Dwelling 2 Rear photo would display.\n\nThis is where the Dwelling 2 Roof Defect photo would display.\n\nUnit Interior - Building 2 - Unit 2\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n864 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n"} diff --git a/chunks/json/e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c.json b/chunks/json/e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c.json new file mode 100644 index 0000000000000000000000000000000000000000..63eace12a3f34472e268abb28d4dc1dac358e259 --- /dev/null +++ b/chunks/json/e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58773,"char_start":57167,"chunk_id":"chk_5c980de7c19d7b43","chunk_index":33,"chunk_sha256":"e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Predefined text that\ndisplays when\nPersonal Onsite\nInspection Performed\nis Yes\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 30 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Certifications and Intended Use / User\n\nReport\nField ID\n\n09.014\n\nAppraiser Certifications: Cert 6 (Personal Onsite Inspection by Appraiser)\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nI certify that I\ndid not perform\na personal\nonsite inspection\n…\n\nPredefined text that\ndisplays when\nPersonal Onsite\nInspection Performed\nis No\n\n09.015 Description:\n\nRequired when\nPersonal Onsite\nInspection Performed\nis No\n\nFree-form\n\nDescribes how the appraiser determined that the conditions or requirements\nstated in the original appraisal report have been satisfied.\n\nAdditional Appraiser Certifications\n\nAdditional appraiser certifications may be added when relevant.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAdditional Appraiser Certifications\n\nAlways required\n\nYes | No\n\nAdditional Appraiser Certifications\nIndicates whether there are additional appraiser certifications.\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\n09.018 N/A\n\nDisplays when\nAdditional Appraiser\nCertifications is Yes\n\nFree-form\n\nAdditional Appraiser Certification Text\nAdditional certifications that are required, such as designations.\n\nNote: Additional appraiser certifications cannot be contrary to, and should not\nrepeat, the predefined appraiser certification text.\n\nAppendix F-3: Completion Report Reference Guide\n"} diff --git a/chunks/json/e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5.json b/chunks/json/e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5.json new file mode 100644 index 0000000000000000000000000000000000000000..e01d6cbf955015e475efee9ff85588f1ed9e4f0c --- /dev/null +++ b/chunks/json/e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":552756,"char_start":551113,"chunk_id":"chk_921bffd3719942db","chunk_index":328,"chunk_sha256":"e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Adjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Dwelling(s)\n\n22.05.13\n22.05.43\n\nWindow\nSurface Area\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\n22.05.14\n22.05.45\n\nFunctional\nIssues\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.05.15\n22.05.47\n\nDisaster\nMitigation\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nDwelling Exterior, for\neach dwelling\n• Window Surface\nArea 8.016\n\nFunctional\nObsolescence\n•\n\nFunctional Issue\n11.000\n\nYes\n22.05.44\n\nYes\n22.05.46\n\nDisaster Mitigation\n• Mitigation Feature\n\nYes\n22.05.48\n\n5.000\n\n22.05.16\n22.05.49\n\nHeating\n\nAlways\n\nAlways required\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nDwelling Exterior, for\neach dwelling\n•\n\nHeating System\nType 8.049\n\nYes\n22.05.50\n\nWindow Surface Area for all Dwellings\n•\n\nFor the subject property, calculated: The sum of the Window\nSurface Area for all dwellings.\nFor the comparables, report the total window surface area for all\ndwellings as a single number.\n\n•\n\n•\n•\n•\n•\n•\n•\n•\n\nNone\nCeiling Height\nFloor Plan\nNonconformity\nOverimprovement\nUnderimprovement\nOther (Describe)\n\nNone\nEnclosed Soffits\nFire Resistant Decking\nFire Resistant Exterior Walls\nFlood Vents\nFortified Roof\nFraming Anchoring or Bracing\nImpact Resistant Glass\nImpact Resistant Shingles\nNoncombustible Perimeter\nStorm Shelter\nStorm Shutters\n"} diff --git a/chunks/json/e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553.json b/chunks/json/e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553.json new file mode 100644 index 0000000000000000000000000000000000000000..e9f51594b2b001bd4d87d98a0e1febef512a1c5d --- /dev/null +++ b/chunks/json/e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3773,"char_start":2140,"chunk_id":"chk_4b0f739ff6263011","chunk_index":1,"chunk_sha256":"e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a3584e2909483f25","text_sha256":"e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (3).pdf"]},"text":"Individual Cooperative Interest Appraisal Report (2090)\n\n3. Are form numbers going away?\n\nYes. With the new URAR, the data that describes the subject property drives the appraisal report, not a form type\nor number. Use the Functioning Without Form Numbers document to:\n\n• Help understand how the URAR's dynamic structure along with discrete and repeatable data replaces the\n\nlegacy form numbers\n\n• Assist with transitioning to the redesigned report\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nP a g e | 2\n\n4. What is the process for completing an appraisal update or completion report under UAD 3.6?\n\nIf the appraisal report was completed using a legacy form, the 1004D / 442 would be used, but if completed on\nthe new URAR, the new Completion Report and/or new Restricted Appraisal Update Report would be used.\nThese are now individual reports, each with their own accompanying specification. Refer to Appendix D-2 and D-\n3 for examples of the new reports.\n\n5. When is it acceptable to use the legacy Single Family Comparable Rent Schedule (1007 / 1000)?\n\nIn most situations, estimating the monthly market rent will be part of the appraisal assignment and included in\nthe new URAR under the Rental Information section.\n\nWhen the need arises to establish a monthly market rent after the URAR has been completed, then the original\nappraiser must be engaged to amend the original URAR to include the Rental Information section.\n"} diff --git a/chunks/json/e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780.json b/chunks/json/e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780.json new file mode 100644 index 0000000000000000000000000000000000000000..87a2fe3d264991b053dc30071c8552ed7376d710 --- /dev/null +++ b/chunks/json/e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8702,"char_start":7061,"chunk_id":"chk_000655bdc1a8cee4","chunk_index":4,"chunk_sha256":"e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780","token_estimate":469,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n#### Search & Filter\n\nKeyword\n\nPublished Date From:\n\nTo:\n\n## Search & Filter\n\nKeyword\n\nPublished Date From:\n\nTo:\n\n# Videos\n\n- Video\n\nFebruary 25, 2025\n\n## [FHFA House Price Index for 2024 Q4](/media/video/fhfa-house-price-index-for-2024-q4)\n\n![Preview image for the video \"FHFA House Price Index for 2024 Q4\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n"} diff --git a/chunks/json/e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145.json b/chunks/json/e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145.json new file mode 100644 index 0000000000000000000000000000000000000000..4bd6a52f3f31fefea1a549c6e4b5c6fab9d60838 --- /dev/null +++ b/chunks/json/e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145.json @@ -0,0 +1 @@ +{"chunk":{"char_end":230635,"char_start":228975,"chunk_id":"chk_7a40af03ee9864fb","chunk_index":215,"chunk_sha256":"e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The DwellingExteriorDefectsExistIndicator (UID: 0300.0097, FID: 8.055) triggers the following:\n\n• When false, display “None” below the subsection header (gray bar) and the table does not display.\n\n• When true, display static text in italics (FID: 8.055), “The items listed below represent the As Is condition as of the effective date of this\n\nreport” below the subsection header (gray bar) in italics and the following data is required (Figure 8 – 6):\n\no Feature - DefectComponentLabelType (UID: 3900.0060, FID: 8.056)\n\n▪ Display each feature on a separate row. When the same feature has multiple defects, repeat the entire row.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no Location - DefectItemLocationType (UID: 3900.0158, FID: 8.057)\n\no Description - DefectItemDescription (UID: 3900.0057, FID: 8.058)\n\no Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0056, FID:\n\n8.059)\n\no Recommended Action - DefectItemRecommendedActionType (UID: 3900.0059, FID: 8.060)\n\nFigure 8 - 6\n\nPage 166\n\nDwelling Exterior Commentary\n\nThe Dwelling Exterior Commentary subsection displays only when comments are provided. Any commentary must use\nStructureValuationCommentText (UID: 0300.0096, FID: 8.061).\n\nDwelling Exterior Exhibits\n\nThe Dwelling Exterior Exhibits subsection displays only when images are provided. All text displays above the image in bold font.\n• Deliver images of Noncontinuous Area using ImageCategoryType (UID: 1400.0638, FID: 8.047.1) = “NoncontinuousArea”.\n• Deliver images of Dwelling Exterior Defects using DefectComponentLabelType (UID: 0300.0101, FID: 8.056.1) include an image caption\n"} diff --git a/chunks/json/e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e.json b/chunks/json/e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e.json new file mode 100644 index 0000000000000000000000000000000000000000..c8ad80abe4abb26025e34911da5ce037ab6e7745 --- /dev/null +++ b/chunks/json/e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":66476,"char_start":64800,"chunk_id":"chk_0c5afb154b0c9b17","chunk_index":84,"chunk_sha256":"e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e","token_estimate":419,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Left-hand side of page\n\n•\n\n“Effective Date of Appraisal,” “Assignment Reason,” “Borrower Name,” “Current Owner of\nPublic Record,” “Contract Price,” “Listing Status” set as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Property Valuation Method,” “Appraiser Name” set as TXR-B, TXR.\n\nProperty Description (H1)\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n“Construction Method,” “Attachment Type,” and “Structure Design” set as TXR-B, TXR.\n\n“Yes” ”No” (Y/N) followed by “Planned Unit Development (PUD),” “Condominium,”\n“Cooperative,” “Condop,” “Observed Project Deficiencies,” “Subject Site Owned in Common”\nset initial cap as CK1.\n\n“Units Excluding ADUs,” “Accessory Dwelling Units,” “Property Rights Appraised” set initial\ncap TXR-B, TXR.\n\n“Yes” ”No” (Y/N) followed by “Is the highest and best use of the subject property as improved\n(or as proposed per plans and specifications) the present use?” sets sentence case as CK1.\n\nAppendix E: Report Style Guide\n\nPage 32 of 90\n\nVersion 1.4\n\n•\n\n“Property Restriction,” “Encroachment,” “Zoning Compliance,” “HUD Data Plate Attached,”\n“HUD Label Present for All Sections” set as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Overall Quality” and “Overall Condition” set as TXR-B, TXR at top of right-hand column.\n\n• Below – Photo of Subject Property sets on right, adjacent to Property Description, no caption\n\n(maximum size 22 picas x\n13 picas 3 points).\n\nApparent Defects, Damages, Deficiencies Requiring Action (H1)\n\n• Heading (as above) sets as H1.\n\n•\n\n•\n\n•\n\n•\n\n•\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed\nbelow represent the As Is condition as of the effective date of this report”.\n"} diff --git a/chunks/json/e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561.json b/chunks/json/e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561.json new file mode 100644 index 0000000000000000000000000000000000000000..df6e75cdd2aa4913fc9ca5c7c7319489dcaf3ba2 --- /dev/null +++ b/chunks/json/e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561.json @@ -0,0 +1 @@ +{"chunk":{"char_end":633744,"char_start":631917,"chunk_id":"chk_5c9bc2b1e1f363fb","chunk_index":364,"chunk_sha256":"e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561","token_estimate":457,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics\nof the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender\nidentity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the\npresent or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other\nbasis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and\nlimiting conditions herein.\n\n6. I certify that I did perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in the\noriginal appraisal have been satisfied.\n\n7. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n"} diff --git a/chunks/json/e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e.json b/chunks/json/e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e.json new file mode 100644 index 0000000000000000000000000000000000000000..5201437078c1be0ab60e5404f3cd43d8b2ebc9f8 --- /dev/null +++ b/chunks/json/e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5259,"char_start":3614,"chunk_id":"chk_1efce7318e91096e","chunk_index":2,"chunk_sha256":"e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":" Major components or rooms that have been recently updated, but which do not\n\nconstitute a full‐home renovation/remodel.\n\nExamples of major components include but are not limited to a combination of (one or more):\n\n\n\n\n\nNewer roof\nSome newer mechanicals\nNew / newer floor coverings\nRemodeled kitchen or bathroom(s)\n\nA dwelling in C4 condition may have experienced some periodic updating but most\ncomponents are near the middle of their life cycle. Common deferred maintenance resulting\nfrom typical use is apparent but presents no immediate impact.\n\nExamples include, but are not limited to:\n Minor damage to walls or trim (interior or exterior)\n Worn floor finishes or carpet that shows age\n\n\nKitchen or bathrooms that are dated but fully functional\n\nA dwelling in C5 condition has items that will need to be repaired, rehabilitated, or replaced in\nthe near future for the dwelling to remain useable and functional.\n\nExamples include, but are not limited to:\n\n\n\n\nRoofing that is significantly worn, cupped, or curled but with no apparent active leaks\nSeverely worn, damaged, or missing floor coverings\nFunctional kitchen or bathroom that may be in disrepair (e.g., damaged or missing\ncabinets or countertops).\n\nA dwelling in C6 condition is not useable or functional in its current state, and will require\nimmediate repairs, rehabilitation, or replacement of key components.\n\nExamples include, but are not limited to:\n\n\n\nActive roof leaks\nDamaged or missing exterior components that allow weather intrusion into the dwelling\nwith resultant structural impact or damage\nDamaged or failing foundation\nNo functional kitchen or bathrooms\n"} diff --git a/chunks/json/e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14.json b/chunks/json/e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14.json new file mode 100644 index 0000000000000000000000000000000000000000..241b74be4ead8b7fa1d360325a752c42f32d713f --- /dev/null +++ b/chunks/json/e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14.json @@ -0,0 +1 @@ +{"chunk":{"char_end":932050,"char_start":930628,"chunk_id":"chk_e7c73bf8b5b20319","chunk_index":554,"chunk_sha256":"e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nThe sum of this field 3-78 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nThe sum of this field 3-80 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nCR\n\nT\n\nCR\n\nR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 160 of 211\n\nDocument Version 1.4\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n419\n\n3\n\n82\n\n420\n\n421\n\n422\n\n3\n\n3\n\n3\n\ne-17\n\n83\n\n84\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction Adjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='Quality']/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nGSE Age\nEstimation Indicator\n\nIndicates whether the age of the property\nis estimated.\n"} diff --git a/chunks/json/e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789.json b/chunks/json/e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789.json new file mode 100644 index 0000000000000000000000000000000000000000..3b68e9acf061d54c710523076b22099be7000bef --- /dev/null +++ b/chunks/json/e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12552,"char_start":10804,"chunk_id":"chk_20933a1c33177c5a","chunk_index":6,"chunk_sha256":"e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"Rental Income\n\nThe Selling Guide states that if the borrower does not own a principal residence and does not have a current housing expense,\nrental income from the subject property cannot be used, and rental income from a new non-subject property (new or newly\nplaced in service less than a year) cannot be used.\n\nThe following updates will be made in DU to remind lenders of this requirement:\n\n▪ The documentation messages for subject rental income and non-subject rental income will be updated.\n\n▪ The message issued requiring the amount of the rental housing expense to be verified and documented will also be\n\nissued on 2- to 4-unit principal residence transactions.\n\n▪ A new message will be issued when the borrower does not have a present housing expense disclosed on the loan\napplication and subject property rental income provided on the loan application is used to qualify the borrower.\n\nOther Employment Income\n\nThe message issued when an employment income type of Other is provided on the loan application will now be issued anytime\nthat income type is provided for the primary employment for a borrower who is not self-employed. This message will also be\nupdated to remind lenders that if the other employment income is business income and the borrower’s ownership share is less\nthan 25%, the most recent two years of signed individual federal income tax returns and the most recent two years of IRS\nSchedule K-1 need to be obtained.\n\nThe messages issued on second jobs for borrowers who are not self-employed will also be updated with this same reminder.\n\nNote: Any employer on the loan application where the borrower has indicated they are self-employed but the ownership\nshare is less than 25% are not considered self-employed by DU.\n"} diff --git a/chunks/json/e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363.json b/chunks/json/e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363.json new file mode 100644 index 0000000000000000000000000000000000000000..08524750f24db75359338b74277091d1cb3910ed --- /dev/null +++ b/chunks/json/e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1738,"char_start":0,"chunk_id":"chk_4c75ffa08c2d82b8","chunk_index":0,"chunk_sha256":"e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e28f853a51952cd8","text_sha256":"e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Chief_FOIA_Officer_Report___U_S__FEDERAL_HOUSING_8uekob.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/chief-foia-officer-report\"\ndate_accessed: \"2026-01-27T17:47:57.147Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec.json b/chunks/json/e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec.json new file mode 100644 index 0000000000000000000000000000000000000000..b2e9bdc30df73e0fca7644da83843f817f3d4f28 --- /dev/null +++ b/chunks/json/e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34688,"char_start":32979,"chunk_id":"chk_6cedaebae3cca40f","chunk_index":35,"chunk_sha256":"e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"SubjectToCompletionFeatureLocation\nDescription\n\nDisplay when\nPropertyImprovementsCompletedPerPlansIndicator = “false”\n\n05.005\n\nComparison to Original\nPlans/Specs\n\n05.006\n\nComment\n\n2800.0005\n\n2800.0006\n\nSubjectToCompletionFeatureCompari\nsonType\nSubjectToCompletionFeatureIncomple\nteOrInconsistentDescription\n\nDisplay when\nPropertyImprovementsCompletedPerPlansIndicator = “false”\n Display when\nPropertyImprovementsCompletedPerPlansIndicator = “false”\n\nExample 1: Construction is completed in a manner consistent with the original plans. (figure 05 - 1)\n\nFigure 05 - 1\n\nExample 2: Construction in not complete. Commentary must be provided. (Figure 05 - 02)\n\nFigure 05 -02\n\nPage 25\n\nExample 3: Construction completed in a manner not consistent with plans. Each feature not consistent with the original plans and specifications must\ndisplay in the table. (Figure 05 - 3)\n\nFigure 05 - 3\n\nPage 26\n\n06 Completion Report Commentary\n\nThe Completion Report Commentary section displays when comments are provided. Any commentary must use AppraisalCompletionCommentText (UID:\n2800.0007, FID: 06.001)\n\nPage 27\n\n\n\nCommentary provided here.\n\n\n\n07 Completion Report Exhibits\n\nThe Completion Report Exhibits section displays when images are provided. All text must display above the image in bold font.\n\nPage 28\n\nItemized List of Repairs\n\n•\n\nImages provided for Itemized List of Repairs are delivered in the IMAGE container located in the instance of the DEFECT container that represents\nthe given defect and the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on report) = “false”,\n"} diff --git a/chunks/json/e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5.json b/chunks/json/e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5.json new file mode 100644 index 0000000000000000000000000000000000000000..41a4d0f43ee6c4552d6cd4f6d1b0acc1c572dfc1 --- /dev/null +++ b/chunks/json/e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1710,"char_start":0,"chunk_id":"chk_afbf906e44458f01","chunk_index":0,"chunk_sha256":"e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f020c5588b01629a","text_sha256":"e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Media_Library___FHFA_yi2d9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/media\"\ndate_accessed: \"2026-01-27T17:54:20.328Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1.json b/chunks/json/e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1.json new file mode 100644 index 0000000000000000000000000000000000000000..1496dcea653a0590fe72d519cffa6787ac2698f3 --- /dev/null +++ b/chunks/json/e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32862,"char_start":31277,"chunk_id":"chk_efd9b8501a8c8214","chunk_index":17,"chunk_sha256":"e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1","token_estimate":396,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"ADDRESS OF PROPERTY APPRAISED\n19 ___________________________________________________\n20a, 20b, 20c __________________________________________\nAPPRAISED VALUE OF SUBJECT PROPERTY $ 21 __________\n\nLENDER/CLIENT\nName 22 _____________________________________________\nCompany Name 23 _____________________________________\nCompany Address 24 ___________________________________\n _____________________________________\nEmail Address 26 ______________________________________\n\nSignature ___________________________________________\nName 27 ___________________________________________\nCompany Name 28 __________________________________\nCompany Address 29 _________________________________\n 30a, 30b 30c_________________________\nTelephone Number 31 ________________________________\nEmail Address 32 ____________________________________\nDate of Signature 33 _________________________________\nState Certification # 34 ________________________________\nor State License # 35 _________________________________\nState 36 ___________________________________________\nExpiration Date of Certification or License 37 ______________\nSUPERVISORY APPRAISER\n\nSUBJECT PROPERTY\n Did not inspect exterior of subject property\n38\n39\n Did inspect exterior of subject property from street\n\nDate of Inspection 40 _______________________________\n\nCOMPARABLE SALES\n41\n Did not inspect exterior of comparable sales from street\n Did inspect exterior of comparable sales from street\n42\n\nDate of Inspection 43 _______________________________\n\nFreddie Mac Form 2055 March 2005 226\n\nPage 6 of 6\n\nFannie Mae Form 2055 March 2005\n"} diff --git a/chunks/json/e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59.json b/chunks/json/e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59.json new file mode 100644 index 0000000000000000000000000000000000000000..ca7bb086ae0d545b4093070983e519171d3f3019 --- /dev/null +++ b/chunks/json/e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10389,"char_start":8630,"chunk_id":"chk_5f6afc8ed921fd48","chunk_index":5,"chunk_sha256":"e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_676030b0a9cff2d2","text_sha256":"e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Rulemaking_and_Federal_Register___FHFA_llq98u.md"]},"text":"- **Advance Notice of Proposed Rulemaking.**\n\nIn this optional step, we publish initial analysis of the subject and ask for public comment.\n - **Proposed Rule.**\n\nThe proposed regulatory language is published in the [Federal Register](http://www.gpo.gov/fdsys/browse/collection.action?collectionCode=FR), including justification and analysis behind the rule as well as our response to any advance public comment.\n - **Public Comment.**\n\nAfter publication in the Federal Register, a public comment period begins. Depending on the complexity of the rule, comment periods could be for 30 to 60 days, or even as much as 180 days.\n - **Final Rule.**\n\nAfter the comment period, we publish our response to issues raised by public comments and an updated analysis and justification for the rule, including and analysis of any new information from public comments.\n In some cases, we may publish a second draft proposed rule. This and any subsequent drafts also appear in the Federal Register.\n\nOnce we have analyzed and satisfied public concerns on every draft, the rule can be found by clicking Rules & Notices and is published in the [Code of Federal Regulations](http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR).\n\n## Ex Parte Communications in Connection with FHFA Rulemakings\n\nFHFA encourages public and transparent participation in its process for rulemakings conducted in accordance with the Administrative Procedure Act. FHFA's [Policy on Communications with Outside Parties in Connection with FHFA Rulemakings](/sites/default/files/documents/Ex-Parte-Communications-Public-Policy_3-5-19.pdf) provides guidance as to how the public should make written and oral communications, including at meetings, to FHFA during this process.\n"} diff --git a/chunks/json/e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48.json b/chunks/json/e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48.json new file mode 100644 index 0000000000000000000000000000000000000000..7f0bea6cc3c461658ddc19a820e2a0948ba08bf0 --- /dev/null +++ b/chunks/json/e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6855,"char_start":5125,"chunk_id":"chk_e82270da635c4b6e","chunk_index":3,"chunk_sha256":"e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48","date_utc":"2026-01-27T17:47:14+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3a94cd501f6e2a24","text_sha256":"e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae6/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae6.md"]},"text":"[**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide)\n\nThis document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.\n\n[**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report)\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.\n\n[**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification)\n\nThis document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.\n\n[**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide)\n\nThe Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.\n\n[**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout)\n\nThis zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.\n"} diff --git a/chunks/json/e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222.json b/chunks/json/e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222.json new file mode 100644 index 0000000000000000000000000000000000000000..9e3ae8e237d4bc8593ec3881395ae955fe060787 --- /dev/null +++ b/chunks/json/e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9311,"char_start":7065,"chunk_id":"chk_49ea4b67f4d8624d","chunk_index":4,"chunk_sha256":"e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_044166ef44f6a6e4","text_sha256":"e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222","token_estimate":560,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Update On The Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)\n\n# Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)\n\nOn May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.\n"} diff --git a/chunks/json/e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560.json b/chunks/json/e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560.json new file mode 100644 index 0000000000000000000000000000000000000000..446d1ae59d2e43fea7cedc8a37263beb3dd48ca3 --- /dev/null +++ b/chunks/json/e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19698,"char_start":18140,"chunk_id":"chk_dee16b29e279aec7","chunk_index":10,"chunk_sha256":"e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nN/A\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nN/A\n\nT\n\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 8 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\nLiving Unit Count\n\nGross Living Area Square Feet Count\n\nGross Living Area Square Feet Data Source Description\n\nTotal Room Count\n\nTotal Bedroom Count\n\nTotal Bathroom Count\n\nStructure Accessory Unit Exists Indicator**\n\nAttachment Type\n\n.PROPERTY\n..STRUCTURE\n...STRUCTURE_DATA_SOURCE\nData Source Type\n\nData Source Type Other Description\n\n.PROPERTY\n..STRUCTURE\n...EXTERIOR_FEATURE\nExterior Feature Type**\n\nExterior Feature Description**\n\n.PROPERTY\n..STRUCTURE\n...FOUNDATION\nFoundation Type**\n\nFoundation Exists Indicator**\n\n.PROPERTY\n..STRUCTURE\n...FOUNDATION\n…._CONDITION\nFoundation Condition Type**\n\nFoundation Condition Exists Indicator**\n\n.PROPERTY\n..STRUCTURE\n...FOUNDATION_FEATURE\nFoundation Feature Type**\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\nT\n\nR\n\nT\n\nR\n\nT\n\nR\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nT\n\nR\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nR\n\nN/A\n\nR\n\nR\n\nR\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nN/A\n\nR\n\nR\n\nR\n\nN/A\n\nN/A\n\nN/A\n\nR\n\nN/A\n\nR\n\nR\n\nR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n"} diff --git a/chunks/json/e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c.json b/chunks/json/e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c.json new file mode 100644 index 0000000000000000000000000000000000000000..267c6c3f85a48630a1274686d81ade9c2e5f86c9 --- /dev/null +++ b/chunks/json/e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8668,"char_start":7100,"chunk_id":"chk_e83b11756071bdaf","chunk_index":4,"chunk_sha256":"e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ced4bd0de2a3ad55","text_sha256":"e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer_Progress_Report___U_S__FEDERA_z38x0r.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Credit Risk Transfer Progress Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Credit Risk Transfer Progress Report\n\nThe Report provides a comprehensive picture of how Fannie Mae and Freddie Mac (the Enterprises) transfer a substantial portion of credit risk to the private sector through a variety of transactions in both the single-family and multifamily markets.\n"} diff --git a/chunks/json/e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab.json b/chunks/json/e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab.json new file mode 100644 index 0000000000000000000000000000000000000000..0df16a1a98291215a2eb59146a71812345358d3c --- /dev/null +++ b/chunks/json/e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab.json @@ -0,0 +1 @@ +{"chunk":{"char_end":445439,"char_start":443835,"chunk_id":"chk_f62b7f5aa2f382c6","chunk_index":257,"chunk_sha256":"e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Sales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$866,000\n04/10/2019\nTypically Motivated\nNo\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nThe subject’s sales contract was analyzed with no seller concessions reported.\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nTransfer Terms\nTypically Motivated\n\nDate\n08/16/2016\n\nAmount\n$750,000\n\nData Source\nAssessor Record\n\nAnalysis of Prior Sale and Transfer History of Subject Property Sale from builder to current owner.\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nData Source\nAssessor Record\n\nDate\n12/12/2018\n\nAmount\n$725,000\n\n2\n\n3\n\n4\n\n5\n\nNone\n\nNone\n\nTypically Motivated\n\n05/30/2017\n\n$715,000\n\nNone\n\nMLS\n\nMLS\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comparables #1 and #4 are the only properties that have had a transfer\nwithin the past two years.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 13 of 22\n"} diff --git a/chunks/json/e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685.json b/chunks/json/e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685.json new file mode 100644 index 0000000000000000000000000000000000000000..7738be0514cb7be78aa34a6c61ed1a0c95e216e6 --- /dev/null +++ b/chunks/json/e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685.json @@ -0,0 +1 @@ +{"chunk":{"char_end":178877,"char_start":177237,"chunk_id":"chk_4955e0777c508241","chunk_index":184,"chunk_sha256":"e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685","token_estimate":410,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Always displays\n−\n\nEach SiteInfluenceType displays once (Figure 4 - 6), unless:\n\no ApparentEnvironmentalCondition\no\n\nBodyOfWater\n\nDisplay when EnvironmentalConditionType <> \"None\" AND\n(SiteInfluenceProximityType = \"Bordering\" OR \"Offsite\")\n− Display Proximity followed by a “|” then the Distance and Unit of Measure\n(Feet, Kilometers, Meters, Miles) in same cell (e.g., Offsite | 1 Mile)\nFor distances less than one mile display a leading zero to the left of the\ndecimal point, e. g., Offsite | 0.02 Mile\n\n−\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nSite: Site Influence\n\n1500.0018\n\nEnvironmentalConditionProximityType\n\nDisplay when EnvironmentalConditionType <> \"None\"\n\n1500.0076\n\nBodyOfWaterProximityType\n\nDisplay when SiteInfluenceType = \"BodyOfWater\"\n\n1500.0086\n\nSiteInfluenceProximityType\n\nDisplay when SiteInfluenceType <> \"BodyOfWater\"\n\nPage 122\n\n1500.0068\n\nSpecialAirportHazardZoneType\n\n1500.0084\n\nInfluenceMeetsPolicyRequirementsIndicator\n\n4.027\n\nDetail\n\n1500.0016\n\nEnvironmentalConditionType\n\n1500.0073\n\nBodyOfWaterType\n\nDisplay when GovernmentAgencyAppraisalIndicator = \"true\" AND\nSiteInfluenceType = \"Airport\"\nDisplay when GovernmentAgencyAppraisalIndicator = \"true\" AND\n(SiteInfluenceType = \"LocalDistributionLine\" OR\n\"OverheadElectricPowerTransmissionLine\" OR \"HighPressureGasLine\")\nDisplay when EnvironmentalConditionType <> \"None\"\n−\n\nIf <> \"None\", display a separate \"Apparent Environmental Condition\" row\nin the Site Influence table for each environmental condition\nIf \"None\", do not display a row for \"Apparent Environmental Conditions\"\n"} diff --git a/chunks/json/e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13.json b/chunks/json/e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13.json new file mode 100644 index 0000000000000000000000000000000000000000..4a0a1230c943b47c07c2ea4e8beb02b855142efb --- /dev/null +++ b/chunks/json/e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12276,"char_start":10643,"chunk_id":"chk_67575b555168c139","chunk_index":6,"chunk_sha256":"e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4435ce779f140fb4","text_sha256":"e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Career_Opportunities___FHFA_519q7e.md"]},"text":"## Federal Employee Viewpoint Survey\n\n​The Federal Employee Viewpoint Survey (FEVS) is a tool that allows employees to share their experience in critical work areas. The survey results provide agency leadership with insight into areas of success, as well as areas where improvements are needed.\n\n[**2024 FEVS Results**](/sites/default/files/2025-03/2024-FHFA-FEVS-Results_0.pdf)\n\n[**​Previous Survey Results**](/careers/employee-survey-results)\n\n## Additional Information\n\n- ![woman meditating at desk](/sites/default/files/2024-08/careers-benefits_0.jpg)\n\n## Benefits\n\nWe cultivate a workplace that is respectful and fair. Our comprehensive benefits are generous - helping you to reach your individual goals by supporting your professional growth, health, well-being, and your personal needs.\n\n[Read More](/about/careers/benefits)\n\n- ![woman sitting in wheelchair smiling looking at laptop](/sites/default/files/2024-08/careers-reasonable-accomodations.jpg)\n\n## Reasonable Accommodations and Personal Assistance Services\n\nFHFA provides reasonable accommodations to qualified employees and job applicants with disabilities. FHFA also provides personal assistance services to qualified employees with disabilities where appropriate. Employees and job applicants requiring reasonable accommodations or personal assistance services should contact [ReasonableAccommodations@fhfa.gov](mailto:ReasonableAccommodations@fhfa.gov).\n\n[Read More](/about/careers/reasonable-accommodation)\n\n- ![Graduates throwing cap in air](/sites/default/files/2024-08/students-and-recent-graduates-careers_1.jpg)\n\n## Students & Recent Graduates\n"} diff --git a/chunks/json/e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07.json b/chunks/json/e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07.json new file mode 100644 index 0000000000000000000000000000000000000000..9d47eb40a34c8100060977680b633a7d5b976542 --- /dev/null +++ b/chunks/json/e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9040,"char_start":7419,"chunk_id":"chk_0749961f34e2c159","chunk_index":4,"chunk_sha256":"e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"Jul 10, 2023\n\nLock MBS Pools Prior\nto Settlement Date\n\nChanges are not permitted to MBS Pools in the days immediately preceding the settlement date. To systematically support\nthis policy and prevent inadvertent changes by users, MBS Pools will be locked in Loan Delivery as follows:\n\n•\n\nFannie Majors®– pools will be locked at 7:00 pm ET two business days prior to the settlement date.\n\n• Single-Issuer – pools will be locked at 7:00 pm ET one business day prior to the settlement date.\n\nJul 24, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n© 2023 Fannie Mae Page 3 of 5\n\n• Edits related to Closing Data changing to fatal severity.\n• New warning edits related to Investor, Pool, Closing Data, and DU Compare\n\nAug 28, 2023\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• New warning edits related to Closing Data.\n\nSep 1, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\nSep 25, 2023\n\nEdit Updates\n\n• Edits related to Shared Equity and Resale Restrictions are changing from warning to fatal severity.\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• Edits related to Mortgage Insurance and Closing data are changing from warning to fatal severity.\n\nOct 30, 2023\n\nCPM Edits\n\nIn accordance with Selling Guide Announcement (SEL-2023-02):\n"} diff --git a/chunks/json/e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0.json b/chunks/json/e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0.json new file mode 100644 index 0000000000000000000000000000000000000000..02576f7afcd87b7fab590d35fb65babe0b83840c --- /dev/null +++ b/chunks/json/e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28222,"char_start":27588,"chunk_id":"chk_00262ab8c4aed937","chunk_index":44,"chunk_sha256":"e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0","token_estimate":520,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Financial Sales Concessions (H1) ........................................................................................................................ 58\n\nSales Contract Analysis (H1) ............................................................................................................................... 58\n\nSales Contract Exhibits (H1) ................................................................................................................................ 58\n\nPrior Sale and Transfer History ...................................................................................................................... 58\n"} diff --git a/chunks/json/e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e.json b/chunks/json/e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e.json new file mode 100644 index 0000000000000000000000000000000000000000..153e299218b56ba8ce5bd7da1ec910641f3b7965 --- /dev/null +++ b/chunks/json/e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13205,"char_start":11588,"chunk_id":"chk_d5583fba58f1c4cb","chunk_index":7,"chunk_sha256":"e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e","token_estimate":405,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TCH\n\nTB\n\nScore\nScore\n\nCheck #A\n\nCheck #A\n\nH1\n\nEnergy Efficient and Green Features Impact to Value/Marketability\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nTXR-B\n\nImpact to Value/Marketability\nImpact to Value/Marketability\n\nTXC-B\n\nDescription\nDescription\n\nEnergy Efficient and Green Features Commentary\nEnergy Efficient and Green Features Commentary\n\nH1\nTXC\n\nH1\n\nEnergy Efficient and Green Features Exhibits\nEnergy Efficient and Green Features Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nHDR-L\n\nTAB\n\nSketch\n\nTXC-I\n\nSketch or Floor Plan Not Available\n\nTXR-B\n\nMeasurement Standard\n\nSketch Commentary\n\nH1\n\nTXC\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nHDR-R\n\n2 COLUMN PAGE FORMAT\n\nTAB\n\nDwelling Exterior - [Structure Identifier]\n\nTXR-B\n\nTXR-B\n\nTXC-B\n\nTXC-B\n\nH1\n\nTXR-B\n\nTXC-I\n\nSubject Property Units in\nStructure\nStructure Design\nFloors in Building\nDwelling Style\nFront Door Elevation\nTownhouse End Unit\nTownhouse Back to Back\nUnits Above or Below\nTownhouse Location\nYear Built\nConstruction Method\nConverted Area\nConverted Area and Similarity\nto Rest of Living Area\nFactory Built Certification\nStructure Volume\nWindow Surface Area\nAttic\nRemaining Economic Life\nEffective Age\n\nCommentary on Remaining Economic Life\n"} diff --git a/chunks/json/e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0.json b/chunks/json/e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0.json new file mode 100644 index 0000000000000000000000000000000000000000..4ff4cdc9a59be13e69a929ef251e8da512741e48 --- /dev/null +++ b/chunks/json/e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":72915,"char_start":71253,"chunk_id":"chk_8e6978e4b7742c93","chunk_index":88,"chunk_sha256":"e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0","token_estimate":424,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Right-hand side of page\n\n•\n\n•\n\n“Attachment Type,” “Units Excluding ADUs,” “Accessory Dwelling Units,” “Dwellings\nContaining Units,” “Special Tax Assessments” set as TXR-B, TXR.\n\n“Description of Special Tax Assessments and Impact to Value/Marketability” set as TXC-B1\n(bold lead in to Myriad Pro Regular text).\n\nOwnership Rights (H1)\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n“Property Rights Appraised” set as TXR-B, TXR followed by “Community Land Trust,” “Native\nAmerican Lands” set as TXR-I, TXR.\n\n“Ground Rent Annual Amount” set as TXR-B, TXR, followed by “Renewable,” “Term,”\n“Expires” set as TXR-I, TXR.\n\n“Description of Ground Rent and Impact to Value/Marketability”: Sets as TXC-B1 (bold lead in\nto Myriad Pro Regular text).\n\nAppendix E: Report Style Guide\n\nPage 36 of 90\n\nVersion 1.4\n\nRight-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n“All Rights Included in Appraisal,” set as TXR-B, TXR.\n\n“Rights Not Included” sets as TXR-I, TXR.\n\n“Mineral Rights Leased,” sets as TXR-B, TXR.\n\n“Description of Rights Not Included”: sets as TXC-B1 (bold lead in to Myriad Pro Regular text).\n\nLegal Description (H1)\n\n• Either an image or text.\n\n•\n\n•\n\nImage sizes to full page width (45 picas wide).\n\nIf text, set as TXC (Myriad Pro Regular), below the H1 x 45 picas.\n\nSubject Property Commentary (H1)\n\n• Set Commentary as TXC x 45 picas.\n\nSubject Property Exhibits (H1)\n\n• Subsection does not display if there are no exhibits.\n\n“Site” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Total Site Size” and “Dimensions,” sets as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Number of Parcels” sets as TXR-B, TXR and indented sub information “Contiguous,”\n“Elements Dividing Parcels” set as TXR-I, TXR.\n"} diff --git a/chunks/json/e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f.json b/chunks/json/e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f.json new file mode 100644 index 0000000000000000000000000000000000000000..36dd65ffed4b2eb0ec5894676228fedbd2b73a8b --- /dev/null +++ b/chunks/json/e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":966697,"char_start":965096,"chunk_id":"chk_12456b53c76f7cfb","chunk_index":576,"chunk_sha256":"e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Money\n\nString\n\nMoney\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis data is referenced more than once on the form, and must be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only\n\nPDF Display Format:\nWhole numbers only.\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 164 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\n121\n\nINCOME\n\nGross Rent Multiplier\n\nGross Rent\nMultiplier Factor\n\nSpecifies the Gross Rent Multiplier for\nthe subject property. (e.g. Actual Sales\nPrice divided by Actual Gross Monthly\nRent = Gross Rent Multiplier (GRM))\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/\n@GrossRentMultiplierFactor\n\n122\n\nINCOME\n\nIndicated Value of Income Approach\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Income Approach method\nof property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/\n@ValueIndicatedByIncomeApproachAmount\n\nData Point Field\nLength\n\n9\n\n12\n\nFormat\n\nNumeric\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nThis data is referenced more than once on the form (field 3-125), and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole numbers only.\n\nImplementation Notes\n\nConditionality Description\n"} diff --git a/chunks/json/e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa.json b/chunks/json/e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa.json new file mode 100644 index 0000000000000000000000000000000000000000..15760eddf9fe37f6f9fad67437ebf07f425a0dbf --- /dev/null +++ b/chunks/json/e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":455715,"char_start":454116,"chunk_id":"chk_c4469c1d59ec7992","chunk_index":258,"chunk_sha256":"e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"20.1 and 20.3 INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE holds the data points specifying the margin, floor\nand ceiling interest rates and the date of the first rate change. The reason the “Lifetime” rule is used is that\nthese terms are known at the time the loan is closed and are in effect for the entire life of the loan.\nCeilingRatePercent and FirstRateChangeMonths Count are disclosed in both the Loan Terms and AIR Tables, but\nappear in the XML file only once.\n\nAppendix E: UCD Implementation Guide\n\nPage 211 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\n20.4 and 20.6 INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE qualified by a value of “First” for\nAdjustmentRuleType, provides the data points used to represent the rate cap in place for the first adjustment\nperiod (when the rate adjusts for the first time). AdjustmentRuleType = “First” and “PerChangeRateAdjustment\nFrequency Months Count” support values disclosed in both the Loan Terms and AIR Tables, but appear in the\nXML file only once.\n\n20.5 and 20.7 The second instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE is qualified by the\ndata point AdjustmentRuleType = “Subsequent” and represents the rate cap in place for the second and all\nsubsequent adjustment periods, as well as the number of months between changes.\n\n20. 1 – 20. 7 STEP RATE LOAN\n\nWhen the interest rate on the loan changes based on a schedule rather than on an external index, the loan is a\nstep rate loan. For example: 30-year Mortgage with Step Rate | Rate increases by 1% every year for 3 years then\nremains fixed thereafter\n"} diff --git a/chunks/json/e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919.json b/chunks/json/e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919.json new file mode 100644 index 0000000000000000000000000000000000000000..4610715ed7bca970343132b03037a8fc3c581bb7 --- /dev/null +++ b/chunks/json/e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11959,"char_start":10341,"chunk_id":"chk_73af0876b2cbfdc5","chunk_index":5,"chunk_sha256":"e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"the iGuide or UAD Spec for more information.\n\n• Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or\n\nUSDA appraisals.\n\n• Field Names in the Reference Guide use business terminology and are in italics.\n\no Field Names provide additional clarity to the Report Label, and express conditionality (“When to\n\ninclude”) in business terms.\n\no Field Names in the Reference Guide are similar to, but not the same as, the MISMO Data Point\n\nName in the iGuide and UAD Spec.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 6 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nKey Concepts\n\nIntended Use of the Completion Report\n\nOverview\n\nThe intended use of the Completion Report is to confirm whether the conditions stated in the original appraisal\nreport have been met. The Completion Report does not provide an opinion of value.\n\nSections of the Completion Report\n\nThe Completion Report can be used for:\n•\n• Completion Status (new construction or incomplete construction).\n\nItems the appraiser identifies as needing repair.\n\nRepair Items\n\nIf there are repair items, they can display in one of two sections of the Completion Report:\n\n• The Itemized List of Repairs section shows Defects, Damages, or Deficiencies from the original appraisal that\n\nrequired repair.\n\n• The New Observed Items for Repair section provides space to report items that were observed in a\n\nsubsequent inspection.\n\nIf there are no repair items identified in the original appraisal or upon a subsequent inspection, neither section\ndisplays, and the appraiser completes the Completion Status section.\n"} diff --git a/chunks/json/e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193.json b/chunks/json/e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193.json new file mode 100644 index 0000000000000000000000000000000000000000..6d6f989b1e5765e178148da08fce0418c575a1b4 --- /dev/null +++ b/chunks/json/e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5283,"char_start":3498,"chunk_id":"chk_bc1c1a870a1c61e7","chunk_index":2,"chunk_sha256":"e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"Apr. 24, 2023\n\nMBS Enhancements\n\nFannie Mae released the second phase of MBS enhancements for Loan Delivery, enabling lenders to address most MBS\nissues in real time within the application. These enhancements relate to post-submission exceptions that may have\npreviously required manual resolution with Fannie Mae's Acquisition Operations team. No action will be required to begin\nusing these MBS enhancements, and there will be no changes to the import or MBS Pool submission processes. For more\ninformation, view the Loan Delivery Enhancements for MBS overview.\n\nApr. 24, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• New informational edits related to Property Data – Condo Project Manager (CPM)\n• New warning edits related to Appraisal\n• New fatal edit related to Lien Type\n• Edits related to Appraisal, Property Data, Down Payment, Closing Cost, Commitment, and Underwriting are\n\nchanging severity\n\nMay 22, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• New fatal edit related to Loan Program.\n• Edits related to Property Data-CPM and Loan Program changing from informational to warning severity.\n• Edits related to Special Feature Codes changing from warning to fatal severity.\n\n© 2023 Fannie Mae Page 2 of 5\n\nMay 22, 2023\n\nCPM Edits\n\nPer the Selling Guide Announcement (SEL-2023-02), we are requiring lenders to use CPM for all condo projects being\nreviewed under the Full Review Process. Lenders will be required to deliver the CPM Project ID number at delivery for\nprojects when CPM was used, including loans delivered in projects with a Fannie Mae Approval.\n"} diff --git a/chunks/json/e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94.json b/chunks/json/e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94.json new file mode 100644 index 0000000000000000000000000000000000000000..d546f2ff628e98c2aeafd8319efce223a79f0498 --- /dev/null +++ b/chunks/json/e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":176262,"char_start":174588,"chunk_id":"chk_611180150ea0cdad","chunk_index":97,"chunk_sha256":"e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Since MI has terminated, “0.00” is provided for this and all\nsubsequent instances of PROJECTED_PAYMENT.\n\nIn the following XML snippet, because of their length, certain data points in PROJECTED_PAYMENT wrap after the provided\nvalue.\n\nFigure 52. XML Snippet-Example of Projected Payments Table Year Range Data.\n\n\n…\n \n \n \n\n\n \n\n…\n\n (See Figure 50)\n \n\n\n\n\n\nMonthly\n5\n1\nYearly\n356.00\n1472<\n\n/ProjectedPaymentEstimatedTotalMaximumPaymentAmount>\n\n109.00\n1007.35<\n\n/ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount>\n\n\n \n\n30\n6\n 356.00\n"} diff --git a/chunks/json/e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235.json b/chunks/json/e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235.json new file mode 100644 index 0000000000000000000000000000000000000000..99b916053d1391197b0bb37d4630e98df41c25e8 --- /dev/null +++ b/chunks/json/e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235.json @@ -0,0 +1 @@ +{"chunk":{"char_end":227089,"char_start":225477,"chunk_id":"chk_a067702829a15726","chunk_index":115,"chunk_sha256":"e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Figure 71 illustrates a case where there are two additional items: homeowner’s association dues and ground\nrent. Ground rent is itemized and the text “and additional costs” is added to indicate the other cost component\n(homeowner’s association dues). Only the ground rent is escrowed. Following the same approach described in\nC. Multiple Property Tax or Homeowners Insurance Cost Items NEW form-rendering is as follows:\n\n5.0 Projected Payments\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\n5.6.1 $356\n5.6.2 a month\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5  Other: Ground Rent and\n\nadditional costs\n\nIn escrow?\nYES\nSOME\nSOME\n\nSee Escrow Account on page 4 for details. You must pay for other\nproperty costs separately.\n\nFigure 71. More than One Other Property Cost Item\n\nTable 88 shows that all Other property cost components must be included in UCD. An instance of\nESTIMATED_PROPERTY_COST_COMPONENT is delivered for each additional item, indicating whether the item is\n\nAppendix E: UCD Implementation Guide\n\nPage 102 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n“Escrowed” or “Not Escrowed.” Implementers must evaluate each associated value of\nProjectedPaymentEscrowedType to determine the appropriate response to render on the form for In escrow?\n\nID\n\nForm Field\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 88. More than One Other ETI&A Item\n\n5.6.5\n\n…  Other:\n_____\n\n5.6.5\n\nIn escrow?\n\nInstance of ESTIMATED_PROPERTY_COST_COMPONENT\n"} diff --git a/chunks/json/e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958.json b/chunks/json/e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958.json new file mode 100644 index 0000000000000000000000000000000000000000..a7839958a145cb41a89a6adc407a6ade9bed460d --- /dev/null +++ b/chunks/json/e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958.json @@ -0,0 +1 @@ +{"chunk":{"char_end":207915,"char_start":206238,"chunk_id":"chk_aabccd331bde84e0","chunk_index":116,"chunk_sha256":"e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"999.702\n\nucd:FEE_DETAIL_EXTENSION\n\nMISMO construct enabling addition of data points to FEE_DETAIL. Holds all\ninstances of ucd:FeeItemType and ucd:FeeItemTypeOtherDescription.\n\n999.169/999.171/99\n9.172\n\nFEE_PAID_TO/LEGAL_ENTITY/LE\nGAL_ENTITY_DETAIL\n\nHolds the non-individual, unparsed name of the entity receiving the fee\npayment.\n\n999.173\n\nFEE_PAYMENTS\n\n999.174\n\nFEE_PAYMENT\n\nMISMO construct. Plural of singular child container FEE_PAYMENT holds at\nleast 1 and up to 5 sequential occurrences of FEE_PAYMENT.\n\nHolds data points identifying the payor entity, when paid relative to closing,\nand associated amount(s). Multiple instances of FEE_PAYMENT are provided\nwhen the payment was shared by more than one entity or a portion was paid\nbefore and at closing. At least one and up to five sequential instances are\nprovided.\n\n1. GSE REQUIREMENTS FOR FEE INFORMATION\n\nThe TRID Regulation describes the types of fees that should be provided in each section of the Loan Costs and Other Costs\n\ntables.\n\nFigure 66. CD Sections Supported by FEE Container Structure.\n\nA. Origination\nCharges\nAll charges the\nborrower or others\npaid to the lender and\nany loan originator for\noriginating and\nextending the credit.\n\nB. Services Borrower\nDid Not Shop For\nServices required by the\nlender and provided by\nentities other than the\nlender or mortgage broker,\nfor which the borrower\ncould or did not shop.\n\nC. Services Borrower\nDid Shop For\nServices that the lender\nrequires in connection with\nthe loan for which the\nborrower may shop.\n\nE. Taxes and Other\nGovernment Fees\nFor recording of documents\nand transfer taxes assessed\nagainst the purchase price\nof a real estate contract or\nthe loan amount.\n"} diff --git a/chunks/json/e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61.json b/chunks/json/e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61.json new file mode 100644 index 0000000000000000000000000000000000000000..acffc007a0cfd8fa80788db0b02165f638ffe811 --- /dev/null +++ b/chunks/json/e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61.json @@ -0,0 +1 @@ +{"chunk":{"char_end":546512,"char_start":544844,"chunk_id":"chk_1a095099a9253c55","chunk_index":322,"chunk_sha256":"e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format (when the source is an MLS listing):\nMLS Organization # Listing\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\n315\n\n2\n\n108\n\nPRIOR SALE\nHISTORY\n\nDate of Prior Sale/Transfer\nCOMPARABLE\n\nGSE Prior Sale\nDate\n\nThe date of the prior sale of the subject or\ncomparable properties.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N’]/PRIOR_SALES\n/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa\nleDate\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nAt least one instance of this field is\nrequired (i.e. for at least one comp) if\nfield 2-101 (Comparable Has Prior\nSales Indicator = 'Y') is indicated.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 105 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\n316\n\n2\n\n109\n\nPRIOR SALE\nHISTORY\n\nPrice of Prior Sale/Transfer\nCOMPARABLE\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRIOR_SALE\nS/@PropertySalesAmount\n"} diff --git a/chunks/json/e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29.json b/chunks/json/e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29.json new file mode 100644 index 0000000000000000000000000000000000000000..2356e36fc6d92a2df363cd85602189c075e2d304 --- /dev/null +++ b/chunks/json/e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29.json @@ -0,0 +1 @@ +{"chunk":{"char_end":631915,"char_start":630167,"chunk_id":"chk_8c2d27ca5850f0e4","chunk_index":363,"chunk_sha256":"e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID LN32942301Client Reference ID 456-8124Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Repair (CR1)\n\nCompletion Report\n\nCompletion Report Exhibits\n\nPage 2 of 3\n\nItemized List of Repairs - Mechanical System - Water Heater\n\nNew Observed Items for Repair - Flooring - Basement Carpeting\n\nThis is where the Water Heater photo would display.\n\nThis is where the Carpet photo would display.\n\nMary Jones\nMichael Jones\n\nAppraiser Fee\n\n$0\n\nAssignment Information\n\nBorrower Name\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nABC Mortgage Company\n456 Somewhere Ave\nSometown, NV 55555\n\nAmy Appraiser\nXYZ Appraisal Company\n22 A Street NE\nWashington DC 10001\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n08/21/2009\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n3333333333\nMD\n10/21/2010\n\nAppraiser Reference ID LN32942301Client Reference ID 456-8124Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Repair (CR1)\n\nCompletion Report\n\nIntended Use\n\nPage 3 of 3\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the\nappraisal report referenced above have been met.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the\nsubject property, or other parties involved in this transaction.\n"} diff --git a/chunks/json/e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689.json b/chunks/json/e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689.json new file mode 100644 index 0000000000000000000000000000000000000000..04472cc5df3f6c5db81ab4c6a3ba94a42ef7683e --- /dev/null +++ b/chunks/json/e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10327,"char_start":8681,"chunk_id":"chk_bec055b1c9277d49","chunk_index":5,"chunk_sha256":"e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5f4e47606b8eea0a","text_sha256":"e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Equal_Employment_Opportunity_and_the_No_FEAR_Act___8tmqme.md"]},"text":"[FHFA EEO Anti-Harassment Policy Statement](/document/fhfa-eeo-anti-harassment-policy-statement)\n\n[FHFA EEO Affirmative Employment Plan](/document/fhfa-eeo-affirmative-employment-plan)\n\n## ​NO FEAR ACT (AS AMENDED)\n\nEqual Employment Opportunity Data Posted Pursuant to Title III of the[Notification and Federal Employee Antidiscrimination and Retaliation Act of 2002 (No FEAR Act)](https://www.govinfo.gov/content/pkg/PLAW-107publ174/html/PLAW-107publ174.htm), Public Law 107-174, and [Elijah E. Cummings Federal Employee Antidiscrimination Act of 2020](https://home.treasury.gov/system/files/306/Elijah-E-Cummings-Federal-Employee-Antidiscrimination-of-2020.pdf), H.R. 6395, Title XI, Subtitle B (Sections 1131-1138).\n\nThe No FEAR Act is intended to increase the accountability of Federal agencies for acts of discrimination or reprisal against employees, former employees, and applicants. It became law on May 15, 2002, and became effective on October 1, 2003.\n\n[No FEAR Act Data Reporting](/reports/no-fear-report)\n\n[2024 No FEAR Act Notice](/document/2024-no-fear-act-notice)\n\nThe No FEAR Act requires each Federal agency to post on its website certain summary statistical data related to equal employment opportunity complaints filed against it. Section 301(b) of the No FEAR Act and 29 CFR 1614.704 describe the specific data to be posted.\n\nEvery quarter FHFA updates and publishes the No FEAR Act data. In addition, OEOF submits a yearly report to congress regarding NO FEAR.\n\nIf you have questions or concerns about whistleblower rights, contact the Office of Special Counsel at [www.osc.gov](http://www.osc.gov/) or call (202) 804-7000.\n"} diff --git a/chunks/json/e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c.json b/chunks/json/e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c.json new file mode 100644 index 0000000000000000000000000000000000000000..943dff4dd2a40f9abee41adcd44269589d4f9d53 --- /dev/null +++ b/chunks/json/e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22827,"char_start":20981,"chunk_id":"chk_0b2162b0f5064b5c","chunk_index":12,"chunk_sha256":"e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c","token_estimate":461,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"#### Mortgage Industry Fraud (fraud committed by mortgage professionals)\n\n**Air Loans** – An air loan is a loan made based on fictitious collateral. To make air loans, broker may invent fake borrowers and properties, establish accounts for payments, and maintain custodial accounts for escrows. They may establish fraudulent contacts for fictitious employers, appraisers, credit agencies, and others to deceive creditors who attempt to verify information on loan applications.\n\n**Appraisal**– Appraisal fraud is committed when a property is fraudulently valued either above or below its true market value. Appraisal fraud may occur as a result of efforts to ensure that a property’s value appears consistent with an agreed purchase price, permitting the transaction to move forward, but fraudsters also commit appraisal fraud in order to profit from the difference in the fraudulent and true property values in a subsequent transaction.\n\n**Shotgunning** – Shotgunning fraud aims to secure multiple loans on a single property from different financial institutions without each other’s knowledge. Possible at both the purchase or refinancing stages, the fraudster aims to receive the loan disbursements simultaneously, then abscond with the proceeds, leaving the lenders to allocate losses and determine who holds the collateral.\n\n**Real Estate Owned (REO) Fraud** – REO fraud occurs after a property has entered the foreclosure process, and the financial institution which took the property as collateral must maintain, market, and sell the home to recoup losses from the unpaid mortgage. Fraudsters may take advantage of this stage through a variety of schemes such as fraudulent billing for fictitious maintenance charges, kickbacks arranged through non-arm’s length transactions, and laying the groundwork for flipping or flopping schemes.\n"} diff --git a/chunks/json/e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891.json b/chunks/json/e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891.json new file mode 100644 index 0000000000000000000000000000000000000000..b4f74ad6771ea50cf4f96e975487a2c52fac961e --- /dev/null +++ b/chunks/json/e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891.json @@ -0,0 +1 @@ +{"chunk":{"char_end":213661,"char_start":211918,"chunk_id":"chk_07f684c354db1ce7","chunk_index":119,"chunk_sha256":"e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891","token_estimate":436,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Zoning for an ADU\n\nIf it is determined that the property contains an ADU that is not allowed under zoning (where an ADU is not allowed under any\ncircumstance), the property is eligible under the following additional conditions:\n\n•\n\n•\n•\n•\n•\n\nThe lender confirms that the existence will not jeopardize any future property insurance claim that might need to be filed\nfor the property.\nThe illegal use conforms to the subject neighborhood and to the market.\nThe property is appraised based upon its current use.\nThe appraisal report states that the improvements represent a use that does not comply with zoning (“illegal” use).\nThe appraisal report demonstrates that the improvements are typical for the market through an analysis of at least two\ncomparable sales with the same non-compliant zoning use. Aged, settled sale(s) with the same non-compliant zoning use\nare acceptable if recent sales are not available. At a minimum, the appraisal report must include a total of three settled\nsales.\n\nSee SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best Use, for subject property zoning information.\n\nAdditions without Permits\n\nIf the appraiser identifies an addition(s) that does not have the required permit, the appraiser must comment on the quality and\nappearance of the work and its impact, if any, on the market value of the subject property.\n\nProperties with Outbuildings\n\nA lender must give special consideration to properties with outbuildings to ensure the property is residential in nature.\nDescriptions of all outbuildings must be reported in the applicable sections of the appraisal report and considered in the Sales\nComparison Approach. Any nonresidential use must be reported in the applicable section of the report.\n"} diff --git a/chunks/json/e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9.json b/chunks/json/e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9.json new file mode 100644 index 0000000000000000000000000000000000000000..c51eed4f225ea744abbd82f20347077683368d04 --- /dev/null +++ b/chunks/json/e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":135769,"char_start":134149,"chunk_id":"chk_a784bbce4bd4f93d","chunk_index":76,"chunk_sha256":"e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Additional photographs are required when the subject property has any of the following:\n\nExterior photographs\n\nInterior photographs\n\na non-residential use,\nan outbuilding,\n\n•\n•\n• water frontage with private access,\n•\n•\n\nviews that impact value or marketability, or\na physical defect, damage, or deficiency.\n\nThe subject property and all comparables must be appropriately identified and\ndescribed.\nPhotographs of comparable rentals utilized in the appraisal report are not required.\n\nAt a minimum, the appraisal report must include interior photographs of the following\nparts of the subject property:\n\nall kitchens;\nall bathrooms;\n\n•\n•\n• main living areas of the property (such as living room, family room, dining room,\n\nall bedrooms, etc.);\n\n• below-grade area(s), including all finished and unfinished rooms;\n•\nany physical defect, damage, and deficiency, if present; and\n•\nexamples of recent updates, such as restoration, remodeling, and renovation, if\npresent.\n\nNote: Interior photographs of proposed or under construction properties may be taken at\nthe time of the completion inspection and included with the Completion Report.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 57 of 166\n\nUAD 3.6 Policy\n\nNote: For the Restricted Appraisal Update Report, a photograph of the front of the subject property must be included. See SB4-\n1.2-04, Age of Appraisal and Restricted Appraisal Update Requirements for additional requirements. For Completion Report\nrequirements and exhibits, see SB4-1.2-05, Requirements for Verifying Completion and Postponed Improvements.\n\nAppraiser Certifications and Limiting Conditions\n"} diff --git a/chunks/json/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.json b/chunks/json/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.json new file mode 100644 index 0000000000000000000000000000000000000000..1f46932a97dfb94ddfeca90fb05b418a6f63c4ee --- /dev/null +++ b/chunks/json/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7827,"char_start":1462,"chunk_id":"chk_8b31826bd7829392","chunk_index":1,"chunk_sha256":"e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f","token_estimate":3406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Revision History ........................................................................................................................................................................... ii\nContents ...................................................................................................................................................................................... 3\nI. Introduction .............................................................................................................................................................................. 1\nA. Uniform Closing Dataset Background ................................................................................................................................. 1\nB. UCD v2.0 Scope ................................................................................................................................................................... 1\n1. What’s Been Added ......................................................................................................................................................... 1\n2. What’s Been Retired ....................................................................................................................................................... 1\n3. What’s the Same ............................................................................................................................................................. 2\nC. UCD v2.0 Implementation Guide Purpose .......................................................................................................................... 2\nII. I-Guide Format ......................................................................................................................................................................... 3\nA. Document Organization ...................................................................................................................................................... 3\nB. XML File Data Payload A to Z Chapter Organization ........................................................................................................... 3\n1. XML File Container Structure .......................................................................................................................................... 3\n2. Rendered CD ................................................................................................................................................................... 4\n3. UCD v2.0 Spec Excerpts ................................................................................................................................................... 4\n4. UCD XML File Snippets .................................................................................................................................................... 7\nC. Documentation Conventions .............................................................................................................................................. 8\nIII. XML File Handling ................................................................................................................................................................... 9\nA. XML File Metadata and Embedded CD PDF File ................................................................................................................ 10\n1. XML File Structure Overview ......................................................................................................................................... 10\n2. Identifying the XML File for Processing ......................................................................................................................... 10\nB. Embedded CD PDF File ...................................................................................................................................................... 13\nIV.\n"} diff --git a/chunks/json/e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc.json b/chunks/json/e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc.json new file mode 100644 index 0000000000000000000000000000000000000000..d00251555569afdcac7103cad6d569c029d9f66b --- /dev/null +++ b/chunks/json/e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":833628,"char_start":831812,"chunk_id":"chk_3d71464cba3be592","chunk_index":495,"chunk_sha256":"e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc","token_estimate":454,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Car Storage\nNone\n\nCar Storage Exists\nIndicator\n\nIndicates if there is any car storage\navailable for a residence such as a garage,\ncarport or driveway.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@_E\nxistsIndicator\n\n10\n\n1\n\n2\n\n1\n\n2\n\n1\n\n16\n\n1\n\n12\n\n1\n\n20\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nFormat\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the cooling method used, if 'Other' is indicated. If no\ncooling, 'None' should be indicated.\n\nBoolean\n\nA value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not checked.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) should be entered.\n\nThis field should be populated if field 2-56\n(Cooling Other Indicator = 'Y') is indicated.\n\nThis field should be indicated if the value of\nfield 2-59 (Amenity Count) is greater than\nzero.\n\nBoolean\n\nA value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is not\nchecked.\n\nThis field should be indicated if the value of\nfield 2-61 (Amenity Count) is greater than\nzero.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nString\n\nPDF Display Format:\nWhole numbers only.\n\nBoolean\n\nString\n\nBoolean\n\nString\n\nBoolean\n\nString\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nIf none, then zero (0) should be entered.\n\nA value of 'Y' indicates a deck/patio exists, a value of 'N' indicates the box is not\nchecked.\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the patio/deck. If there is no patio or deck,\nindicate 'None'.\nA value of 'Y' indicates a porch/balcony exists, a value of 'N' indicates the box is not\nchecked.\n"} diff --git a/chunks/json/e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52.json b/chunks/json/e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52.json new file mode 100644 index 0000000000000000000000000000000000000000..82ad518fea2f7811e52c5e1e60f4f6e99a19849c --- /dev/null +++ b/chunks/json/e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52.json @@ -0,0 +1 @@ +{"chunk":{"char_end":257629,"char_start":256096,"chunk_id":"chk_d8a4e068b1b965a7","chunk_index":150,"chunk_sha256":"e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/ROOM_ADJUSTMENT/@TotalRoomCount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/ROOM_ADJUSTMENT/@TotalBedroomCou\nnt\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/ROOM_ADJUSTMENT/@TotalBathroomCou\nnt\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Oth\ner' and\n@_TypeOtherDescription='RoomAboveGradeLi\nne2']/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the overall condition of the property.\n\n2\n\nEnumerated\n\nAllowable Values\n C1\n C2\n C3\n C4\n C5\n C6\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-73 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nThe sum of this field 2-74 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n"} diff --git a/chunks/json/e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc.json b/chunks/json/e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc.json new file mode 100644 index 0000000000000000000000000000000000000000..88e4c34a7aa7fb30f86aa2b2a4a58c9fd2cf752a --- /dev/null +++ b/chunks/json/e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8904,"char_start":7080,"chunk_id":"chk_b157f173ff583105","chunk_index":4,"chunk_sha256":"e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Programs](/programs)\n - Loss Mitigation\n\nProgram\n\n# Loss Mitigation\n\n## Help for Homeowners Affected by Natural Disasters\n\nFHFA, Fannie Mae, and Freddie Mac have come together to get the word out about mortgage relief options for those affected by natural disasters. Our goal is to make sure you have time to focus on your safety. Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement.\n"} diff --git a/chunks/json/e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214.json b/chunks/json/e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214.json new file mode 100644 index 0000000000000000000000000000000000000000..c95dfcb8d9af3b537d5b0690bd104789606b8c60 --- /dev/null +++ b/chunks/json/e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214.json @@ -0,0 +1 @@ +{"chunk":{"char_end":746,"char_start":0,"chunk_id":"chk_79568ca1003da362","chunk_index":0,"chunk_sha256":"e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214","token_estimate":462,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"Uniform Appraisal Dataset (UAD)\n\nAppraisal-Level\n\nPublic Use File (PUF)\n\nVersion 2.1\n\nData Documentation\n\nFebruary 4, 2025\n\nUAD PUF Version 2.1 Data Documentation\n\nTable of Contents\n\n1. Overview ................................................................................................................................................... 1\n\n2. About the UAD ......................................................................................................................................... 1\n\n3. Universe of UAD Appraisal Records Eligible for UAD Appraisal-Level PUF ....................................... 2\n\n3a. Overview of Universe for the UAD Appraisal-Level PUF ................................................................. 2\n"} diff --git a/chunks/json/e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9.json b/chunks/json/e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9.json new file mode 100644 index 0000000000000000000000000000000000000000..beb652f702d899f7aa540fab47a1036bb2e2ac6c --- /dev/null +++ b/chunks/json/e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1607,"char_start":0,"chunk_id":"chk_df4132fb18f06cff","chunk_index":0,"chunk_sha256":"e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"PhysicalMeasurement\n\nAssessorRecord\n\nPreviousAppraisalFile\n\nMLS\n\n2021-06-01\n\nMarshall & Swift\n\nGood\n\nCostService\n\nW12348\n\nMLS\n\nW19434\n\nMLS\n\nW58278\n\nMLS\n\nOther\n\nSubject Sale\n\n124523\n\nMLS\n\n123453\n\nMLS\n\n178643\n\nMLS\n\n193032\n\nMLS\n\nLocal MLS\n\nSmokey Bear Gazette\n\n123 Anywhere St\n\nSomecity\n\nAlpine\n\n12345\n\nTN\n\nDriveway\n\nOther\n\nPavers\n\n4\n\nfalse\n\n400\n\nAttached\n\nGarage\n\n2\n\nNone\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nNone\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\nfalse\n\n2020\n\nfalse\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\n2020\n\nfalse\n\n2020-09-01\n\nXYZ Homes\n\nfalse\n\nfalse\n\ngaelw43232790-er293/gbelw43232790-er293\n\nThe subject is a manufactured home that was built to HUD Code and structurally designed and constructed to accommodate site-built features. Specifically, for the subject, the attached garage and front porch which were constructed at the time of installation.\nCHOICEHome and MH Advantage manufactured homes are constructed with features and characteristics that exceed the minimum HUD Code. This may include drywall interiors, elevated roof pitch, higher standard energy efficiency features, greater R-value insulation, and upgraded plumbing fixtures and cabinetry. Each MH Advantage or CHOICEHome must have at least two of the following features: attached garage or carport, roof dormers or porch. These homes may also have solid surface counters and vaulted, tray, or beamed ceilings along with other quality upgrades.\n\nMultiWide\n\nSouth\n\ntrue\n\nZone1\n\nZoneI\n\nSAB032251MLAX\n\nFannieMaeMHAdvantage\n\nCH1000001\n\nFreddieMacCHOICEHome\n\nere32498213\n\nere32498214\n\nPouredConcrete\n\nNone\n\nCarpet\n\nNewOrLikeNew\n\nUpgraded Carpet\n\nLaminate\n\nNewOrLikeNew\n"} diff --git a/chunks/json/e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7.json b/chunks/json/e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7.json new file mode 100644 index 0000000000000000000000000000000000000000..4ab546e79cf9d21dbd584f437a9f5cdbab5948fe --- /dev/null +++ b/chunks/json/e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":45698,"char_start":45215,"chunk_id":"chk_e8a1443c1fd49299","chunk_index":70,"chunk_sha256":"e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 220\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 221\n"} diff --git a/chunks/json/e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b.json b/chunks/json/e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b.json new file mode 100644 index 0000000000000000000000000000000000000000..5092627d988f21f69354560899f51e848ac8a7ea --- /dev/null +++ b/chunks/json/e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37029,"char_start":35336,"chunk_id":"chk_62f1f071a0156131","chunk_index":24,"chunk_sha256":"e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"RELAT IONSHIP BET WEEN AN ASSET AND T HE ASSOCIAT ED BORROWER\n\nThe following example provides details about the xlink arcrole relationship needed to define a data\nrelationship between an asset and the borrower associated with that asset.\n\nThe figure below (Figure 9) shows an example of an asset that will be linked to the associated borrower that\nowns the asset. Note some assets will have multiple borrowers with relationships to them. These are known\nas joint assets.\n\nASSET And ROLE Containers Identifying Endpoints Of\nRelationships\n\nASSETS\n ASSET\n\nSequence Number = “1”\n xlink:label = “ASSET_1”\n ASSET_DETAIL\n AssetType = CheckingAccount\n AssetOrMarketValueAmount = 15000\n\nPARTIES\n PARTY\n\nINDIVIDUAL\n NAME\n FirstName = John\n LastName = Smith\n\nROLE\n\nSequence Number = “1”\n xlink:label = “BORROWER_1”\n ROLE DETAIL\n\nParty Role Type = Borrower\n\nFigure 9. Establishing Endpoints of Relationship\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 22 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nThe table below (Table 9) shows the endpoints that will makeup the xlink arcrole relationship for the\nrelationship.\n\nCONTAINER\n\nXPath For Container\n\nASSET\nROLE\n\nDEAL/ASSETS/ASSET\nDEAL/PARTIES/PARTY/ROLES/ROLE\n\nTable 9. Identifying Endpoints in the Relationship\n\nSequence\nNumber\n1\n1\n\nXlink:label\n\nASSET_1\nBORROWER_1\n\nThe table below (Table 10) shows a breakdown of the detailed components of the relationship used to\nrelate a related asset to a borrower for that loan.\n\nXPath\n\nAttribute\n\nxlink:label\n\nValue\n\nNotes\n\nRELATIONSHIPS CONTAINER\n\nFirst instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/\n/RELATIONSHIPS/RELAT\nIONSHIP\n"} diff --git a/chunks/json/e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c.json b/chunks/json/e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c.json new file mode 100644 index 0000000000000000000000000000000000000000..10aaa303d1205be1f46a5d102052a620c31f4405 --- /dev/null +++ b/chunks/json/e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3746,"char_start":0,"chunk_id":"chk_79d99489d008760e","chunk_index":0,"chunk_sha256":"e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9c615d2cd25ff8f","text_sha256":"e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c","token_estimate":937,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2023.pdf"]},"text":"2023 FHLBank Public Use Database\n\nEffective January 1, 2019\n\nBusiness Name\n\nDefinition\n\nNew Field Name (2019-Present)\n\nYear\nLoanCharacteristicsID\nBank\nFIPSStateNumericCode\nFIPSCountyCode\nCoreBasedStatisticalAreaCode\n\nPrevious Field Name\n(Prior to 2019)\nYear\nAssigned ID\nBank\nFIPSStateCode\nFIPSCountyCode\nMSA\n\nYear\nLoan Characteristics ID\nBank\nFIPS State Numeric Code\nFIPS County Code\nCore Based Statistical Area Code\n\nCensusTractIdentifier\n\nTract\n\nCensus Tract Identifier\n\nCensusTractMinorityRatioPercent\n\nMinPer\n\nCensus Tract Minority Ratio Percent\n\n1\n2\n3\n4\n5\n6\n\n7\n\n8\n\n9\n10\n\nCensusTractMedFamIncomeAmount\nLocalAreaMedianIncomeAmount\n\nTraMedY\nLocMedY\n\nCensus Tract Median Family Income Amount\nLocal Area Median Income Amount\n\n11\n\nTotalMonthlyIncomeAmount\n\nIncome\n\nTotal Monthly Income Amount\n\n12 HUDMedianIncomeAmount\n\nCurAreY\n\nHUD Median Income Amount\n\n13\n\nLoanAcquisitionActualUPBAmt\n\n14\n\nLTVRatioPercent\n\n15 NoteDate\n16\n17\n\nLoanAcquistionDate\nLoanPurposeType\n\nUPB\n\nLTV\n\nMortDate\nAcquDate\nPurpose\n\nLoan Acquisition Actual UPB Amount\n\nLTV Ratio Percent\n\nNote Date\nLoan Acquisition Date\nLoan Purpose Type\n\n18\n\nProductCategoryName\n\nProduct\n\nProduct Category Name\n\n19 MortgageType\n\nFedGuar\n\nMortgage Type\n\n20\n21\n\nScheduledTotalPaymentCount\nLoanAmortizationMaxTermMonths\n\nTerm\nAmorTerm\n\nScheduled Total Payment Count\nLoan Amortization Max Term Months\n\n22 MortgageLoanSellerInstType\n\nSellType\n\nMortgage Loan Seller Inst Type\n\n23\n24\n\nBorrowerCount\nBorrowerFirstTimeHomebuyer\n\n25\n\nBorrower1Race1Type\n\nNumBor\nFirst\n\nBoRace\n\nBorrower Count\nBorrower First Time Homebuyer Indicator\n\nBorrower1 Race 1 Type\n\nYear Loan Was Reported\nUnique Record ID (not actual loan number)\nName of Federal Home Loan Bank District\n2 Digit FIPS State Code\n3 Digit FIPS County Code\nThe Property's Five Digit numeric CBSA; 99999 if\nstate/county/tract combo is not in a CBSA or MSA\nThe property's Census Tract of Block Numbering Area\n(BNA)\nThe percentage of the property's census tract\npopulation that is minority.\nThe property's census tract median family income.\nThe property's median income for the area based on\nthe most recent decennial census.\nThe total monthly qualifying income used for\nunderwriting in whole dollars for all borrowers on the\nloan.\nCurrent median income for a family of four for the area\nas established by HUD\nThe Amount of unpaid principal balance in whole\ndollars when acquired by the FHLBank.\nThe loan-to-value ratio of the mortgage at time of\norigination.\nYear the mortgage was originated.\nYear the mortgage was acquired.\nPurpose of Loan: 1 = Purchase, 2 = No-Cash Out\nRefinancing, 3 = Second Mortgage, 4 = New\nConstruction, 5 = Rehabilitation or Home\nImprovement, 6 = Cash-out Refinancing, 7 = Other\nProduct type of Mortgage: 01=Fixed Rate, 02=ARM,\n03=No Longer in Use, 04=GPM/GEM, 05=Reverse\nAnnuity Mortgage, 06=Other, 07-98=Reserved for\nfuture use\nType of Mortgage and whether the mortgage is\nguaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA\nRural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-\nFHA\nTerm of the Mortgage in Months\nFor Amortizing Mortgages, term of amortization in\nmonths; 998 if non-amortizing loan\nType of Institution from which the FHLBank acquired\nthe mortgage. 01=Insured depository institution,\n02=Housing Associate, 03=Insurance Company, 04=Non-\nFederally Insured CU, 05=Non-Depository CDFI,\n06=Other FHLBank, 09=Other\nNumber of Borrowers\nNumeric code indicating whether borrower is a first\ntime homebuyer. 0 = No, 1 = Yes\nNumeric code indicating the race of the Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby Borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership)\n"} diff --git a/chunks/json/e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9.json b/chunks/json/e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9.json new file mode 100644 index 0000000000000000000000000000000000000000..d4336ceddc89556f9de9b0787d6f9465fee0bd1f --- /dev/null +++ b/chunks/json/e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7101,"char_start":5388,"chunk_id":"chk_089e226f166e260e","chunk_index":3,"chunk_sha256":"e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a3584e2909483f25","text_sha256":"e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (3).pdf"]},"text":"10. How are property characteristics described and identified?\n\nUAD 3.6 provides standardized data fields and enumerations to define the property, helping lenders and other\nend users better understand the property’s characteristics to verify property eligibility and determine overall\ncollateral risk.\n\n11. Does UAD 3.6 support land only appraisals?\n\nNo, these appraisals are not in scope of the UAD and Forms Redesign project.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nP a g e | 3\n\n12. What is the UAD Compliance API?\n\nThe appraiser, through their appraisal software provider, has the ability to run the UAD compliance rules through\nan API. Fannie Mae and Freddie Mac created UAD Compliance APIs to evaluate the XML for compliance with the\nUAD Delivery Specification. The rules check for data completeness, validity (format and data type), and\nreasonableness.\n\nThe UAD Compliance API does not include Loan Collateral Advisor® or Collateral Underwriter® messages or\nfindings, such as eligibility, risk scores or appraisal quality.\n\nTo see a full list of the rules that are run by the UAD Compliance API, download Appendices H-1, H-2, and H-3.\n\n13. What are the Uniform Loan Delivery Dataset (ULDD) requirements that are related to UAD 3.6?\n\nFor lenders that deliver loans to the GSEs, the ULDD Phase 5 update includes enhancements to align ULDD\nproperty data points with UAD 3.6. These updates must be implemented by July 28, 2025. For more information,\nsee the Fannie Mae and Freddie Mac ULDD webpages.\n"} diff --git a/chunks/json/e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b.json b/chunks/json/e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b.json new file mode 100644 index 0000000000000000000000000000000000000000..7107bab219d659cfc1031654479b64edc67c43f3 --- /dev/null +++ b/chunks/json/e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":60176,"char_start":58470,"chunk_id":"chk_2145841a012185dc","chunk_index":35,"chunk_sha256":"e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Page 32 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nSales\nComparison\nApproach\nSection\n\nAddress\nThe appraiser must enter the physical\naddress of the subject property and each\ncomparable sale. Refer to “Property Address”\nand “Unit#” (if applicable) data fields in the\nSubject section for the requirements on\ncompleting this field.\n\nReporting Format:\nProperty Address – Text\nUnit # (if applicable) – Text\nCity – Text\nState – 2-letter USPS abbreviation\nZIP Code – 5-digit ZIP Code or ZIP+4 code\n(either with or without the dash)\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nProximity to Subject\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nThe appraiser must enter the proximity of the\ncomparable sales to the subject property,\nexpressed as a distance in miles. The\ndistance between the subject property and\neach comparable property is to be measured\nusing a straight line between the properties.\nThe direction of the comparable property in\nrelation to the subject property must be\nexpressed.\n\nIf the address for a comparable property is not\nfound by the appraiser’s mapping program,\nthe appraiser must choose a location on the\nmap as close as possible to the address of the\ncomparable property to derive an accurate\ndistance calculation.\n"} diff --git a/chunks/json/e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1.json b/chunks/json/e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1.json new file mode 100644 index 0000000000000000000000000000000000000000..61a8cb0e9a21cde8c00d36ece36789d8db898764 --- /dev/null +++ b/chunks/json/e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1271079,"char_start":1269473,"chunk_id":"chk_672cc2694cff86c6","chunk_index":753,"chunk_sha256":"e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms vendor\nsoftware.\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n\nAppraiser Street\nAddress\n\nThe street address of the appraiser.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_StreetAddress\n\n50\n\nString\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAppraiser City\n\nThe city in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_City\n\n70\n\nString\n\nAppraiser State\n\nThe state in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_State\n\n2\n\nString\n\nShould conform to USPS (Pub 28). The following address elements should be\nincluded in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• City\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• USPS two-letter state or territory representation\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAppraiser Postal\nCode\n\nThe postal code (zip code in US) of the\naddress of the appraiser. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_PostalCode\n\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nTelephone Number\nAppraiser\nEmail Address\n\nContact Point Value\n\nContact Point Value\n"} diff --git a/chunks/json/e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128.json b/chunks/json/e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128.json new file mode 100644 index 0000000000000000000000000000000000000000..73a520dd05c0811229671ffa839ece556beb073f --- /dev/null +++ b/chunks/json/e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1096233,"char_start":1094633,"chunk_id":"chk_1248221a96ea5ff0","chunk_index":651,"chunk_sha256":"e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"172\n\nIMPROVEMENTS\n\nAmenities\nPatio/Deck\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Patio']/@_ExistsIndicator\n\n173\n\nIMPROVEMENTS\n\nAmenities\nPatio/Deck Description\n\nAmenity Detailed\nDescription\n\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Patio']/@_DetailedDescription\n\n174\n\nIMPROVEMENTS\n\nAmenities\nPorch\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Porch']/@_ExistsIndicator\n\n175\n\nIMPROVEMENTS\n\nAmenities\nPorch Description\n\nAmenity Detailed\nDescription\n\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Porch']/@_DetailedDescription\n\n176\n\nIMPROVEMENTS\n\nAmenities\nPool\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Pool']/@_ExistsIndicator\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nBoolean\n\nIf none, then zero (0) should be entered.\nA value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is not\nchecked.\nUAD Instruction - Refer to Appendix D Improvements Section\n\nThis field should be indicated if the value of\nfield 1-171 (Amenity Count) is greater than\n\nString\n\nPDF Display Format:\nWhole numbers only.\n"} diff --git a/chunks/json/e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99.json b/chunks/json/e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99.json new file mode 100644 index 0000000000000000000000000000000000000000..6ed95ce6e551b8c47d77aecec4233b4b906d8df6 --- /dev/null +++ b/chunks/json/e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99.json @@ -0,0 +1 @@ +{"chunk":{"char_end":360639,"char_start":358298,"chunk_id":"chk_2984a34f8a9469a9","chunk_index":208,"chunk_sha256":"e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99","token_estimate":586,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Comparative Unit\nEconomic Age-Life\n\nCost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their\nfoundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known\ncost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area.\n\nThe total depreciation for the dwelling includes the attached garage. Depreciated costs were calculated on an economic age-life basis at 4%\nper year for the dwelling and 6% per year for the garage. Depreciated site improvements include public utility hook-ups, driveway, sidewalks,\npatio, and porch.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$275,000\n\nIncome Approach\n\nCost Approach\n$271,410\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$275,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n110 days\n03/14/2022\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 18 of 20\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"} diff --git a/chunks/json/e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136.json b/chunks/json/e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136.json new file mode 100644 index 0000000000000000000000000000000000000000..8cbdd6a62f236fc4eb9301da9975eb8bb496d64d --- /dev/null +++ b/chunks/json/e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24765,"char_start":22981,"chunk_id":"chk_b1b7e3ee0674144d","chunk_index":14,"chunk_sha256":"e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136","token_estimate":446,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Highest and Best Use Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nMarket Area Boundary The subject market is roughly bounded by Keaau and Hawaii State parkland to the north, the Pacific Ocean to the\neast and the south, and State Route 130 to the west.\n\nSearch Criteria Description Closing dates between 09/01/2018-09/01/2019 and bounded by Keaau and Hawaii State parkland to the north,\nthe Pacific Ocean to the east and the south, and State Route 130 to the west.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n7\n148\n$234,900\n$352,000\n$739,000\n1\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nPrice Trend Source\n\n10\n$200,500\n$403,230\n$620,000\nNo\nMLS\n\nPrice Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be consistent\nacross the year. Supply and demand are in balance and the absorption rate is typical of historical trends. The market in the subject area is\nconsidered to be stable.\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\n3 to 6 months\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nFSBO\n\nListing ID\n\nStart Date\n\nEnd Date\n\nDOM\n0\n\nStarting\nList Price\n\nCurrent or\nFinal List Price\n$160,000\n\nTotal DOM 0\n\nAnalysis of Subject Property Listing History The subject was not listed on the open market. This is a private sale between investors. The\nappraiser is unaware of any other listings or agreements for sale.\n"} diff --git a/chunks/json/e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec.json b/chunks/json/e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec.json new file mode 100644 index 0000000000000000000000000000000000000000..7f1e5f97f7774b4d4c2a6b663da5387efdc8529a --- /dev/null +++ b/chunks/json/e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":192702,"char_start":191066,"chunk_id":"chk_149f45b19073a912","chunk_index":108,"chunk_sha256":"e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If there is market resistance to an area because of environmental hazards or any other conditions that affect well, septic, or public\nwater facilities, the appraisal report must address the effect of the hazards on the value and marketability of the subject property\n(see SB4-1.4-08, Apparent Environmental Conditions).\n\nProperty Access\n\nThe appraisal report must identify the primary access (ingress and egress) to the subject property. The subject property should be\naccessed from a publicly dedicated and maintained street that meets community standards and is generally accepted by area\nresidents. If the subject’s primary access is not typical of other properties in the community, the appraiser must address the effect\nof that location on the value and marketability of the subject property.\n\nThe presence of sidewalks, curbs and gutters, streetlights, and alleys depends on local customs. If they are typical in the\ncommunity, they should be present on the subject site. The appraiser must comment on any adverse conditions and address their\neffect on the value and marketability of the subject property.\n\nCommunity-Owned or Privately Maintained Streets\n\nIf the property is located on a community-owned or privately-owned and maintained street, an adequate, legally enforceable\nagreement or covenant for maintenance of the street is required. The agreement or covenant should include the following\nprovisions and be recorded in the land records of the appropriate jurisdiction:\n\n•\n\nresponsibility for payment of repairs, including each party’s representative share;\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 79 of 166\n"} diff --git a/chunks/json/e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591.json b/chunks/json/e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591.json new file mode 100644 index 0000000000000000000000000000000000000000..eda2c08bda1ace5ecf38c8e96b6275793c4df79f --- /dev/null +++ b/chunks/json/e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591.json @@ -0,0 +1 @@ +{"chunk":{"char_end":718922,"char_start":717296,"chunk_id":"chk_ba6adb9eb6d1dd12","chunk_index":428,"chunk_sha256":"e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 321 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nCost Approach Commentary\n\nCost Approach Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n25.057 Cost Approach\n\nIf applicable\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Cost Approach section\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided.\n\nCost Approach Exhibits\n\nAll photos or images related to the Cost Approach section are displayed in the Cost Approach Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nCost Approach Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nCost Approach\nExhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Cost Approach section may be provided,\nwhich display in Cost Approach Exhibits. If the photo or image is not specifically\nindicated above, a caption must be provided to further identify the photo or\nimage.\n\nAppendix F-1: URAR Reference Guide\n\nPage 322 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\n26 Reconciliation\n\nThe Reconciliation section includes information about the different approaches to value, market value\nconditions, the final opinion of market value, reporting of client requested conditions (if any), and an overall\nreconciliation of value.\n"} diff --git a/chunks/json/e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff.json b/chunks/json/e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff.json new file mode 100644 index 0000000000000000000000000000000000000000..11bedeaef1f6a84f848de44f14f01e3edf17b2b3 --- /dev/null +++ b/chunks/json/e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_5e866fe1b5b42191","chunk_index":0,"chunk_sha256":"e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff","date_utc":"2026-01-27T17:54:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fa076388f5e8224d","text_sha256":"e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Blogs___FHFA_92mc2.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/blog\"\ndate_accessed: \"2026-01-27T17:54:20.256Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a.json b/chunks/json/e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a.json new file mode 100644 index 0000000000000000000000000000000000000000..19a985cdbf3b0c31950ad4b38c1ea0ecf1f0b6fb --- /dev/null +++ b/chunks/json/e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3463,"char_start":3405,"chunk_id":"chk_1fa88a0dd6cc1667","chunk_index":2,"chunk_sha256":"e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_396b20365a811a69","text_sha256":"e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a","token_estimate":15,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-2.pdf","below_target_min_tokens"]},"text":"© 2019 Fannie Mae. Trademarks of Fannie Mae.\n\nPage 2 of 2\n"} diff --git a/chunks/json/e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4.json b/chunks/json/e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4.json new file mode 100644 index 0000000000000000000000000000000000000000..b52e54cdf74b2a732aba4703f81e1e841c3d5b4a --- /dev/null +++ b/chunks/json/e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10339,"char_start":8663,"chunk_id":"chk_d3ca33eb90e7b17f","chunk_index":4,"chunk_sha256":"e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"In this document, tables are used to define the fields in the Completion Report. Column headings are as follows:\n• Report Field ID: A red number identifying the specific location of the field on the Completion Report.\n• Report Label: The name of the field as shown on the Completion Report.\n• When to Include: The conditionality for when the information is required, expressed in business terms.\n\no Examples: Always required, Required for FHA, If applicable.\no Note: When information is required is not always the same as when it displays.\n\n• Allowable Answers / Format\n\no Examples: Yes | No, Free-form, Number, Choose allowable answer(s) from a list or table.\n• Definition / Additional Guidance: The definition in business terms, including notes and examples, a list of\n\nallowable answers, and additional guidance.\n\no Note: Allowable answers with complex definitions are in a separate table.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 5 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nDocument Conventions\n\nThe following fonts and colors are used in this document:\n• Section names (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold.\n• Report Field ID: A red number identifies the specific location of the field on the Completion Report.\n\no The number starts with the section number, as shown in Completion Report Section Organization.\n\nFor example, fields displaying in the Completion Status section start with 05.\n\no Not on Report indicates that the information is included in the data but does not display.\no Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to\n"} diff --git a/chunks/json/e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c.json b/chunks/json/e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c.json new file mode 100644 index 0000000000000000000000000000000000000000..2ec7202c9bde26a57f2d2b6ff372a53ec80c7b31 --- /dev/null +++ b/chunks/json/e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_3978002cef173fa4","chunk_index":0,"chunk_sha256":"e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c","date_utc":"2026-01-27T17:54:32+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d95d56915ebeca2d","text_sha256":"e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Annual_Housing_Report___U_S__FEDERAL_HOUSING_ivgw7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/annual-housing-report\"\ndate_accessed: \"2026-01-27T17:54:20.645Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b.json b/chunks/json/e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b.json new file mode 100644 index 0000000000000000000000000000000000000000..11654ad20a5e986ef6b61c42d2980f4bbffc497d --- /dev/null +++ b/chunks/json/e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":341757,"char_start":340020,"chunk_id":"chk_42621d6fe06cd8a6","chunk_index":199,"chunk_sha256":"e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b","token_estimate":435,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@Appra\niserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifierName\n\n4a\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nName\n\nAppraiser Name\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Name\n\nAppraiser Company\nName\n\nThe name of the party that performed\nthe appraisal of the property.\nThe name of the appraisal company\nthat performed the appraisal of the\nproperty.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/@_Name\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/@_CompanyName\n\n50\n\n50\n\n50\n\n50\n\n50\n\n55\n\n50\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n"} diff --git a/chunks/json/e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b.json b/chunks/json/e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b.json new file mode 100644 index 0000000000000000000000000000000000000000..9eb37cecaa43dec12c0f9b30c8dabb1dd88d7999 --- /dev/null +++ b/chunks/json/e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22099,"char_start":20491,"chunk_id":"chk_7fc8ec996af9e147","chunk_index":12,"chunk_sha256":"e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"$0\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nQ3\n\nQ3\n\nExterior Walls and Trim\n\nAluminum | Synthetic Stone Cedar Siding | Synthetic Stone\n\nCrawl Space\n\nC2\n\nNew or Like New\n\nNew or Like New\n\nCrawl Space\n\nC2\n\nNew or Like New\n\nNew or Like New\n\nQ4\n\nVinyl\n\nPost and Pier\n\nC3\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nQ3\n\nCement Board\n\nCrawl Space\n\nC2\n\nNew or Like New\n\nNew or Like New\n\nQ3\n\nQ3\n\nQ4\n\nQ3\n\nEnergy Star appliances\nand wood cabinets\n\nEnergy Star appliances\nand wood cabinets\n\nBuilder Grade Quality\nAppliances and Cabinets\n\nOverall Bathrooms\n\nMetal plumbing fixtures\n\nMetal plumbing fixtures\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nC2\n\nFully Updated\n\nFully Updated\n\nC2\n\nFully Updated\n\nFully Updated\n\nBuilder Grade Finishes\nand Fixtures\n\nC3\n\nNot Updated\n\nNot Updated\n\nEnergy Star appliances\nand wood cabinets\n\nMetal plumbing fixtures\n\nC2\n\nFully Updated\n\nFully Updated\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 20\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n123 Anywhere St\nSomecity, TN 12345\n\n42 Forest Ln\nSomecity, TN 12345\n\n542 New East St\nSomecity, TN 12345\n\n7525 New South Hwy\nSomecity, TN 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n"} diff --git a/chunks/json/e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48.json b/chunks/json/e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48.json new file mode 100644 index 0000000000000000000000000000000000000000..7b2e42400122e82b5c02a82cdef91e58034df0ad --- /dev/null +++ b/chunks/json/e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":881119,"char_start":879495,"chunk_id":"chk_8e463f1a3d3ed971","chunk_index":523,"chunk_sha256":"e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEAgeEstimationIndicator\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nGSE Age\nEstimation Indicator\n\nIndicates if the age of the property is\nestimated.\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Age']/@_Description\n\nThis data is referenced more than once on the form in the Site Section, and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a view factor not on the list provided materially affects the value of the property, the\nappraiser must select 'Other' and enter a description of the view associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Instruction - Refer to Appendix D Sales Comparison Approach Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"} diff --git a/chunks/json/e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4.json b/chunks/json/e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4.json new file mode 100644 index 0000000000000000000000000000000000000000..912af0a9e58cb0640f928c204c108d60afdc0ea3 --- /dev/null +++ b/chunks/json/e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":301100,"char_start":299478,"chunk_id":"chk_050c27577fe2cc07","chunk_index":176,"chunk_sha256":"e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either field 2-129 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 2-130, 2-131, 2-132 (other\nvalues of Valuation Reconciliation Condition\nof Appraisal Type) must be indicated. If field\n2-129 is indicated, then none of fields 2-130,\n2-131, 2-132 may be indicated.\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 69 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n392\n\n2\n\n130\n\nRECONCILIATION\n\nThe appraisal is made\n“subject to completion”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or\nactivities.\n\n/VALUATION_RESPONSE/VALUATION/_R\nECONCILIATION/_CONDITION_OF_APPRA\nISAL[@_Type='SubjectToCompletion']\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be\npopulated for each box that is checked.\n\n393\n\n2\n\n131\n\nRECONCILIATION\n\n394\n\n2\n\n132\n\nRECONCILIATION\n\nThe appraisal is made\n“subject to the following\nrepairs”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nThe appraisal is made\n“subject to the following\nrequired inspection”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or\nactivities.\n"} diff --git a/chunks/json/e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6.json b/chunks/json/e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6.json new file mode 100644 index 0000000000000000000000000000000000000000..4c788a4899c5482a2b978f923420fa25af916701 --- /dev/null +++ b/chunks/json/e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1705,"char_start":0,"chunk_id":"chk_a79ac5cda4a39bdb","chunk_index":0,"chunk_sha256":"e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a92ea8dcd0a3399d","text_sha256":"e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6","token_estimate":522,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Home___FHFA_yqzops.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/\"\ndate_accessed: \"2026-01-27T17:47:50.337Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1.json b/chunks/json/e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1.json new file mode 100644 index 0000000000000000000000000000000000000000..e9000695defefe5282768d91f9052a9ef2805e9a --- /dev/null +++ b/chunks/json/e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29867,"char_start":29209,"chunk_id":"chk_9d43750cfd2522ee","chunk_index":41,"chunk_sha256":"e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1","token_estimate":530,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Site Features and Impact to Value/Marketability .................................................................................................................................................................... 126\n\nUtilities and Impact to Value/Marketability ............................................................................................................................................................................. 129\n\nApparent Defects, Damages, Deficiencies (Site) ...................................................................................................................................................................... 133\n"} diff --git a/chunks/json/e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631.json b/chunks/json/e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631.json new file mode 100644 index 0000000000000000000000000000000000000000..b7327692e970f93d65e1dbd415f43bd0bf93037f --- /dev/null +++ b/chunks/json/e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631.json @@ -0,0 +1 @@ +{"chunk":{"char_end":51480,"char_start":49700,"chunk_id":"chk_43d2ab4c031941f4","chunk_index":29,"chunk_sha256":"e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631","token_estimate":445,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Definition / Additional Guidance\n\nAdditional Appraiser Certifications\n\nAlways required\n\nYes | No\n\nAdditional Appraiser Certifications\nIndicates whether there are additional appraiser certifications.\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nN/A\n\n05.029\n05.030\n\nDisplays when\nAdditional Appraiser\nCertifications is Yes\n\nFree-form\n\nAdditional Appraiser Certification Text\nAdditional certifications that are required, such as designations.\n\nNote: Additional appraiser certifications cannot be contrary to, and should not\nrepeat, the predefined appraiser certification text.\n\nSupervisory Appraiser Certifications\n\nThe Supervisory Appraiser Certifications subsection displays when there is a Supervisory Appraiser, as displayed\nin the Assignment Information section (04.026-04.040). The predefined supervisory appraiser certifications\nalways display, and additional supervisory appraiser certifications may be added when relevant.\n\nAdditional Supervisory Appraiser Certifications\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nRequired when there\nis a Supervisory\nAppraiser\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nAdditional Supervisory Appraiser Certifications\nIndicates whether there are additional appraiser certifications.\n\n05.047\n05.037\n\nN/A\n\nDisplays when\nAdditional Supervisory\nAppraiser\nCertifications is Yes\n\nFree-form\n\nAdditional Supervisory Appraiser Certification Text\nAdditional certifications that are required, such as designations.\n\nNotes:\n•\n\nAdditional supervisory appraiser certifications cannot be contrary to, and\nshould not repeat, the predefined supervisory appraiser certification text.\nAny prior services by the Supervisory Appraiser are reported here.\n"} diff --git a/chunks/json/e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834.json b/chunks/json/e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834.json new file mode 100644 index 0000000000000000000000000000000000000000..42e11b23c813e2d7d66be40a9620aa9724483ebc --- /dev/null +++ b/chunks/json/e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1290859,"char_start":1289222,"chunk_id":"chk_ce2023dedeb33abd","chunk_index":765,"chunk_sha256":"e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentId\nentifier\n\n19\n\nString\n\n502\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\n503\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\n504\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\n505\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\nThe Y value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe X value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe Y value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe X value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCAT\nION/@LatitudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCAT\nION/@LongitudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC\nATION/@LatitudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC\nATION/@LongitudeNumber\n\n30\n\n30\n\n30\n\n30\n\nPDF Display:\nUAD Version 9/2011\n\nString\n\nThe latitude of the subject property\n\nString\n\nThe longitude of the subject property\n\nString\n\nThe latitude of the comparable property\n\nString\n\nThe longitude of the comparable property\n\nIf field 6-27 (Supervisor Name) is populated or\nfield 6-15 is populated with 'trainee', then one\nand only one of fields 6-34, 6-35 (Appraiser\nLicense Identifier) must be populated.\n"} diff --git a/chunks/json/e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4.json b/chunks/json/e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4.json new file mode 100644 index 0000000000000000000000000000000000000000..c89dbc1dc38b775a47766f7e854056d861c06233 --- /dev/null +++ b/chunks/json/e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_4e9f7abb6953e5c0","chunk_index":0,"chunk_sha256":"e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d9c7431223b2e1d2","text_sha256":"e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4","token_estimate":435,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.pdf/announcement-sel-2025-10-selling-guide-updates.pdf"]},"text":"Selling Guide Announcement (SEL-2025-10)\n\nDec. 10, 2025\n\nThe Selling Guide has been updated to include changes to the following:\n\n HomeStyle® Refresh: introducing a rebranded version of HomeStyle® Energy with expanded financing options\n\nand streamlined requirements\n\n HomeStyle® Renovation: expanding eligible upfront disbursements, removing $50,000 renovation cap for\nmanufactured homes, and clarifying using limited cash-out refinance transactions to buy out a co-owner’s\ninterest\n\n Remove the 3% acceptability requirement for 7- and 10-year ARMs: eliminating this requirement for ARM loans\n\nwith longer initial fixed-rate periods\n\n Accessory dwelling units and manufactured homes: expanding property eligibility criteria for accessory dwelling\n\nunits and manufactured homes\n\n Preventing, detecting and reporting mortgage fraud clarifications: eliminating inconsistencies and adding\n\nadditional resources and clarity to prevent fraudulent transactions\n\n Miscellaneous update:\n\no Clarifications to minimum credit score requirements\n\nHomeStyle Refresh\n\nWe updated the Selling Guide to introduce HomeStyle Refresh, a rebranded version of the HomeStyle Energy mortgage. This\nupdate reinforces our continued commitment to supporting sustainable, resilient, and affordable housing through flexible\nrenovation financing options and includes key changes shown below.\n\nFinancing and Eligibility\n\n\n\n\n\n\n\nRenovation costs may be financed up to 15% of the as-completed appraised value.\nStandard loan-to-value (LTV) ratio.\nFor purchase transactions, LTV is based on the lesser of the as-completed appraised value or the purchase price plus\nrenovation costs.\nFor limited cash-out transactions, LTV is based on the as-completed appraised value.\n"} diff --git a/chunks/json/e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62.json b/chunks/json/e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62.json new file mode 100644 index 0000000000000000000000000000000000000000..2d400dbdad459738633d21a2390d01b7a2a747ab --- /dev/null +++ b/chunks/json/e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1203816,"char_start":1202064,"chunk_id":"chk_7c1aabd03b085b89","chunk_index":715,"chunk_sha256":"e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62","token_estimate":438,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-86 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘HeatingCooling’]/@_Description\n\n20\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘HeatingCooling’]/@_Amount\n\n10\n\nMoney\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘EnergyEfficient’]/@_Description\n\n20\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘EnergyEfficient’]/@_Amount\n\n10\n\nMoney\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘CarStorage’]/@_Description\n\n20\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘CarStorage’]/@_Amount\n\n10\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis is a free text field which must describe any energy efficient items.\n"} diff --git a/chunks/json/e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b.json b/chunks/json/e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b.json new file mode 100644 index 0000000000000000000000000000000000000000..a59e039b7b4c2d7ff1b2e08e139241bff776ff91 --- /dev/null +++ b/chunks/json/e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_f6d625445122d0dd","chunk_index":0,"chunk_sha256":"e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d382310860c52199","text_sha256":"e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Legal_Documents___Suspensions___FHFA_4snwcg.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/legal-documents\"\ndate_accessed: \"2026-01-27T17:47:55.686Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0.json b/chunks/json/e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0.json new file mode 100644 index 0000000000000000000000000000000000000000..05016a492df8884d61c912fdc12bbe25b438f9da --- /dev/null +++ b/chunks/json/e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":766095,"char_start":764495,"chunk_id":"chk_b59dbda6c18d6fc3","chunk_index":454,"chunk_sha256":"e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-122 (GSE NFIP Flood Zone\nIdentifier) has a value that does not equal\n'None' then it should be populated.\n\nOne and only one of fields 1-125, 1-126\n(values of Property Analysis Exists Indicator\nand Property Analysis Type =\n'UtilitiesAndOffSiteImprovementsConformT\noNeighborhood') should be indicated.\n\nOne and only one of fields 1-125, 1-126\n(values of Property Analysis Exists Indicator\nand Property Analysis Type =\n'UtilitiesAndOffSiteImprovementsConformT\noNeighborhood') should be indicated.\n\nIf field 1-126 (Property Analysis Exists\nIndicator = 'N' and Property Analysis Type =\n'UtilitiesAndOffSiteImprovementsConformT\noNeighborhood') is indicated, this field\nshould be populated.\nOne and only one of fields 1-128, 1-129\n(values of Property Analysis Exists Indicator\nand Property Analysis Type =\n'AdverseSiteConditions') should be\nindicated\nOne and only one of fields 1-128, 1-129\n(values of Property Analysis Exists Indicator\nand Property Analysis Type =\n'AdverseSiteConditions') should be\nindicated\nIf field 1-128 (Property Analysis Exists\nIndicator = 'Y' and Property Analysis Type =\n'AdverseSiteConditions') is indicated then\nthis field should be populated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\n127\n\n128\n\n129\n\n130\n\n131\n\n132\n\n133\n\n134\n\n135\n\n136\n\n137\n\n138\n\n139\n\n140\n\n141\n\n142\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 137 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"} diff --git a/chunks/json/e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5.json b/chunks/json/e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5.json new file mode 100644 index 0000000000000000000000000000000000000000..65867398151dcc62714b7c4990e51c14b4d2f115 --- /dev/null +++ b/chunks/json/e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":208573,"char_start":206933,"chunk_id":"chk_b35efc0c48bed49d","chunk_index":122,"chunk_sha256":"e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n4.107\n\n#\n\n4.108\n\nAddress\n\n4.108\n\nAddress\n\n4.109\n\nCounty\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSite: Site Valuation Methodology - Land Comparables\n\nRequired for each land\ncomparable\n\nIf available for each\nland comparable\n\nRequired for each land\ncomparable\n\nRequired for each land\ncomparable\n\n1, 2, 3 …\n\nLand Comparable #\n\nFree-form\n\nLand Comparable Street Address\nIf the street address is unavailable or has not yet been assigned, provide any\ninformation necessary to identify the property.\n\nFree-form\n\nLand Comparable City, State, ZIP Code\n\nFree-form\n\nName of the county or parish as defined by the state.\n\nNote: If the land comparable is not located in any county (e.g., located in an\nindependent city), enter the name of the local municipality or district in which\nthe property is located.\n\n4.110\n\nData Source\n\nRequired for each land\ncomparable\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAssessor Record\nBuilder or Developer\nData Aggregator\nExterior Inspection\nHomeowners Association\nLand Survey\nLender\n\nLand Comparable Data Source\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Owner\nReal Estate Agent\nZoning\nOther (Describe)\n\n4.110\n\nData Source\n\nFree-form\n\nRequired when Land\nComparable Data\nSource is MLS, or if\napplicable for other\ndata sources\n\nData Source Identifier: A unique number or identifier assigned to the land\ncomparable by the data source.\nNotes:\n•\n•\n\nIf Land Comparable Data Source is MLS, the MLS number is required.\nIf a data source has an identifier, it must be reported on the URAR.\n"} diff --git a/chunks/json/e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f.json b/chunks/json/e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f.json new file mode 100644 index 0000000000000000000000000000000000000000..58030131cb8a77834d7c20120563bfbaceceba5f --- /dev/null +++ b/chunks/json/e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":574291,"char_start":572662,"chunk_id":"chk_bae7b4655457be7d","chunk_index":341,"chunk_sha256":"e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Adjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Exterior Quality and Condition\n\n22.08.03\n22.08.18\n\nExterior Walls\nand Trim\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nDwelling Exterior\n•\nExterior Wall\nMaterial 8.025\n\nNo\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\n22.08.04\n22.08.19\n\nFoundation\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.08.05\n22.08.20\n\nRoof\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nDwelling Exterior\n•\n\nFoundation Type\n8.029\n\nDwelling Exterior\n•\n\nRoof Material\n8.033\n\nNo\n\nNo\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\n•\nAdobe\n•\nAluminum\n•\nAsbestos\n•\nBrick\n•\nCement Board\n•\nConcrete Block\n•\nEngineered Wood\n•\nGlass\n•\nLog\n•\nPoured Concrete\n•\nSteel\n•\nStone\n•\nStucco\n•\nSynthetic Stone\n•\nSynthetic Stucco\n•\nVinyl\n• Wood\n•\n\nOther (Describe)\n\n•\n•\n•\n•\n•\n•\n\nBasement\nCrawl Space\nPost and Pier\nRunner\nSlab\nOther (Describe)\n\nAsbestos\nAsphalt\nCeramic Tile\nClay\nComposition\nConcrete\nCopper\n\n•\n•\n•\n•\n•\n•\n•\n• Metal\n•\n•\n•\n•\n•\n• Wood\n•\n\nRubber\nSlate\nSolar Shingles\nSynthetic\nTar/Gravel\n\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 252 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331.json b/chunks/json/e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331.json new file mode 100644 index 0000000000000000000000000000000000000000..6178977e96e0ee6461a7162b1117a1856223fd42 --- /dev/null +++ b/chunks/json/e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331.json @@ -0,0 +1 @@ +{"chunk":{"char_end":233991,"char_start":232378,"chunk_id":"chk_a90cf1570dc99a5b","chunk_index":137,"chunk_sha256":"e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Rowhouse / Townhouse\n\nOne dwelling in a series of more than two attached dwellings, all of which have at least one common wall with another\ndwelling.\n\nSemi-Detached\n\nOne dwelling of only two separately parceled, single-family dwellings sharing a common wall or otherwise attached on one\nside (e.g., twin home, side-by-side, duplex).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 95 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nRowhouses and Townhouses\n\nAdditional information is required for rowhouses and townhouses. If the building is not a rowhouse or\ntownhouse these questions do not display.\n\nReport Label\n\nWhen to Include\n\nReport\nField ID\n\n8.006\n\nTownhouse End\nUnit\n\n8.007\n\nTownhouse Back\nto Back\n\n8.008\n\nUnits Above or\nBelow\n\nRequired if Structure\nDesign is Rowhouse /\nTownhouse\n\nRequired if Structure\nDesign is Rowhouse /\nTownhouse\n\nRequired if Structure\nDesign is Rowhouse /\nTownhouse\n\n8.009\n\nTownhouse\nLocation\n\nRequired if Units\nAbove or Below is Yes\n\nDwelling Exterior: Rowhouses and Townhouses\n\nAllowable\nAnswers / Format\n\nYes | No\n\nYes | No\n\nYes | No\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nIndicates whether the rowhouse / townhouse is located at the end of a row of\nattached properties.\n\nIndicates whether the rowhouse / townhouse shares a rear wall with a rear wall\nof another property.\n\nIndicates whether there are other properties above and / or below the\nrowhouse / townhouse.\n•\n•\n\nYes (e.g., piggyback or stacked)\nNo\n"} diff --git a/chunks/json/e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08.json b/chunks/json/e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08.json new file mode 100644 index 0000000000000000000000000000000000000000..36e735461b8e3f76b4638c74d2c0cbeff7609617 --- /dev/null +++ b/chunks/json/e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6427,"char_start":4827,"chunk_id":"chk_a8c34ba0e6b5e1f2","chunk_index":3,"chunk_sha256":"e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f8f303c735d8700c","text_sha256":"e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.xml/2- to 4-unit_Scenario_2_Appraisal_v1.1.xml"]},"text":"WaterHeater\n\nfalse\n\nPropertyPhoto\n\n\\\\Images\\DwellingFront.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\DwellingFront.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\PropertyAccess.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\ComparablesMap.png\n\nimage/png\n\nRentalComparableMap\n\n\\\\Images\\ComparablesMap.png\n\nimage/png\n\nGrossRentMultiplierComparableMap\n\n\\\\Images\\ComparablesMap.png\n\nimage/png\n\nBusy Roadway, Residential\n\nSiteInfluence\n\n\\\\Images\\PropertyAccess.png\n\nimage/png\n\nResidential\n\nView\n\n\\\\Images\\PropertyAccess.png\n\nimage/png\n\nSubjectPropertyImprovementSketch\n\n\\\\Images\\Sketch.png\n\nimage/png\n\nMedianDaysOnMarketGraph\n\n\\\\Images\\MedianDays.png\n\nimage/png\n\n2023-05-01\n\nPhysical\n\nPhysical\n\nfalse\n\n25.165173\n\n-51.328125\n\nThe subject's market area is bounded to the North by I-20, to the East by Sundown Parkway, to the South by Main Street, and to the West by Cowboy County State Park.\n\n24\n\nThe pool of potential comparable sales was arrived at by applying the following filters: 4 unit properties built within the past 20 years, located within a 5 mile radius of the subject, sold during the past 12 months.\n\n12\n\n950000\n\n725000\n\n43\n\n850000\n\nActiveListings\n\n3\n\nPendingSales\n\n18\n\n925000\n\n675000\n\n800000\n\nTotalSales\n\nUnderThreeMonths\n\nInBalance\n\nfalse\n\nAn analysis of the sales in the past year for the subject's market area shows sales volume to be stable across the year. Supply and demand are in balance and the absorption rate is in line with historical trends. Sales prices in the market have been increasing.\n\nBighorn Ranch\n\nLot 2 Block A Bighorn Ranch\n\n21000\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n"} diff --git a/chunks/json/e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89.json b/chunks/json/e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89.json new file mode 100644 index 0000000000000000000000000000000000000000..ed4510cabeb56c0d83b73f3a33d4a68ad3a80cd6 --- /dev/null +++ b/chunks/json/e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1014059,"char_start":1012458,"chunk_id":"chk_bb9d037cabedfed2","chunk_index":604,"chunk_sha256":"e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@MapRefe\nrenceIdentifier\n\n30\n\nString\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@CensusT\nractIdentifier\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType=‘OwnerOccupied’]\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType=‘TenantOccupied’]\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY[@_CurrentOccupancyType=‘Vac\nant’]\n\n25\n\n15\n\n15\n\n15\n\nString\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-20, 1-21, 1-22\n(values of Property Current Occupancy Type)\nmust be indicated.\nOne and only one of fields 1-20, 1-21, 1-22\n(values of Property Current Occupancy Type)\nmust be indicated.\nOne and only one of fields 1-20, 1-21, 1-22\n(values of Property Current Occupancy Type)\nmust be indicated.\n\n23\n\nSUBJECT\n\nSpecial Assessments $\n\nProperty Tax Total\nSpecial Tax Amount\n\n/VALUATION_RESPONSE/PROPERTY/_TAX/@_TotalSpecialTaxAmou\nnt\n\n10\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only. If there are no special assessments applicable to the subject\nproperty, the appraiser should enter zero (0) in this data field.\n\nSUBJECT\n\nPUD\n\nProject\nClassification Type\n\nSUBJECT\n\nHOA $\n"} diff --git a/chunks/json/e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d.json b/chunks/json/e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d.json new file mode 100644 index 0000000000000000000000000000000000000000..8b40b7f67a08372673da217222bc23117b408d66 --- /dev/null +++ b/chunks/json/e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":120378,"char_start":118779,"chunk_id":"chk_9853ff8149a07904","chunk_index":67,"chunk_sha256":"e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"See Fannie Mae Implementation\nGuide\n\nSee Fannie Mae Implementation\nGuide\n\nDEAL_SETS\n\nLoan Delivery File\nPreparer\n\nBoth GSEs\n\nUsed for submitted files to\nidentify the sending system\n\na. Possible Instances of PARTY in a Loan Delivery Data Set—DEAL Level\n\nThe following examples illustrate how to send information about the parties to the\nloan transaction.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 52 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-12. PARTY Container for PartyRoleType = Appraiser\n\nAppraiserLicenseIdentifier\n\n\n\nPartyRoleType\n\nAppraiser\n\nNotes: This instance of PARTY will be sent only if an appraisal was used to value the subject property.\n\nExample IV-13. PARTY Container for PartyRoleType = AppraiserSupervisor\n\nAppraiserLicenseIdentifier\n\n\n\nPartyRoleType\n\nAppraiserSupervisor\n\nNotes: This instance of PARTY will be sent only if an appraisal was used to value the subject property.\n\nExample IV-14. DEAL-Level PARTY Container with PartyRoleType = Borrower\n\nINDIVIDUAL\n\nFirstName\n\nMiddleName\n\nLastName\n\nSuffixName\n\nOR LEGAL ENTITY\n\nFullName\n\nLegalEntityType\n\nGenderType\n\nHMDAEthnicityType\n\nBorrowerQualifyingIncomeAmount\n\nBorrowerFirstTimeHomebuyerIndicator\n\nCounselingConfirmationType\n\nCounselingFormatType\n\nCreditRepositorySourceIndicator\n\nBorrowerMailToAddressSameAsPropertyIndicator CreditRepositorySourceType\n\nAddressType\n\nAddressLineText\n\nCityName\n\nStateCode\n\nPostalCode\n"} diff --git a/chunks/json/e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3.json b/chunks/json/e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3.json new file mode 100644 index 0000000000000000000000000000000000000000..2326fe84413df551e3f50692c9bc07a8ee0adc36 --- /dev/null +++ b/chunks/json/e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15461,"char_start":13825,"chunk_id":"chk_6ed5b70ed84ed8aa","chunk_index":8,"chunk_sha256":"e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"13\n\nThe new enumeration of “Lender” for FundsSourceType for a grant (never called a gift, which come from\nrelatives; grants come from entities) is to be used when the lender is giving the borrower funds to cover all\nor part of the down payment. These are typically for lower income, lower down payment loans that help the\nlender meet their CRA requirements. This data is displayed on the Borrower Form URLA in section “4d.\nGifts or Grants You Have Been Given or Will Receive for this Loan”.\n\n13. How do new subordinate HELOC loans impact the LTV, Combined LTV and HCLTV\n\ncalculations for DU, and how do existing HELOC loans (including those partially paid off)\nimpact LTV, Combined LTV and HCLTV?\n\nNew subordinate or existing HELOC loans have no impact on the LTV. The drawn amount of a new or\nexisting HELOC is considered in the Combined LTV, and the maximum balance (credit available to the\nborrower) of the HELOC is considered in the HCLTV. The following scenarios provide detailed\ninformation on the LTV calculations.\n\nScenario 1 – In addition to the new subject loan the borrower has two new subordinate liens (new Related\nLoans) that are HELOC’s. HELOC 1, has a credit limit of $25,000, with $15,000 balance (Loan Amount /\nAmount to be Drawn) leaving an undrawn amount of $10,000. HELOC 2, has a credit limit of $12,000,\nwith a $4,000 balance (Loan Amount / Amount to be Drawn) and an undrawn amount of $8,000.\n\nData point name\n\nForm Field Name HELOC 1\n\nHELOCMaximumBalanceAmount (6.0051)\n\nCredit Limit\n\nHELOC 2\nValue\n\nValue\n25,000.00 12,000.00\n\nSummary\n\n14\n\nHELOCBalanceAmount (6.0220)\n\nTotalSubordinateFinancingAmount (7.0087)\n"} diff --git a/chunks/json/e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18.json b/chunks/json/e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18.json new file mode 100644 index 0000000000000000000000000000000000000000..fd9822364a444c0f6f99f3b2df0de3d281a1eee0 --- /dev/null +++ b/chunks/json/e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18.json @@ -0,0 +1 @@ +{"chunk":{"char_end":145620,"char_start":143953,"chunk_id":"chk_45b5e4e1df370388","chunk_index":85,"chunk_sha256":"e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 43 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n172\n\n173\n\n174\n\n175\n\n176\n\n177\n\n178\n\n179\n\n180\n\n181\n\n182\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n166\n\nIMPROVEMENTS\n\n167\n\nIMPROVEMENTS\n\n168\n\nIMPROVEMENTS\n\nAttic\nStairs\n\nAttic\nFloor\n\nAttic\nScuttle\n\nAttic Feature Exists\nIndicator\n\nIndicates if the feature specified in\nAttic Feature Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/ATTIC_FEATURE[@_Type\n='Stairs']/@_ExistsIndicator\n\nAttic Feature Exists\nIndicator\n\nIndicates if the feature specified in\nAttic Feature Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/ATTIC_FEATURE[@_Type\n='Floor']/@_ExistsIndicator\n\nAttic Feature Exists\nIndicator\n\nIndicates if the feature specified in\nAttic Feature Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/ATTIC_FEATURE[@_Type\n='Scuttle']/@_ExistsIndicator\n\n169\n\nIMPROVEMENTS\n\nAttic\nFinished\n\nAttic Feature Exists\nIndicator\n\nIndicates if the feature specified in\nAttic Feature Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/ATTIC_FEATURE[@_Type\n='Finished']/@_ExistsIndicator\n"} diff --git a/chunks/json/e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807.json b/chunks/json/e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807.json new file mode 100644 index 0000000000000000000000000000000000000000..5b6347411d93b86e08abe393fbbad80cf7027987 --- /dev/null +++ b/chunks/json/e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807.json @@ -0,0 +1 @@ +{"chunk":{"char_end":659037,"char_start":657421,"chunk_id":"chk_510ea591ec042076","chunk_index":392,"chunk_sha256":"e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable Unit\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nRental Information: Rental Comparison Grid\n\n23.03.05\n\nSite Influence\n\nIf relevant\n\nSite Influence is not\nreported for\ncomparables\n\n23.03.29\n\nSite Influence\n\nIf relevant\n\nRequired when the\nrow is included in the\nrental comparison grid\n\nSuperior, Similar\nor Inferior\n\nSite\n•\n\n•\n\nSite Influence\n4.025\nBody of Water\nType 4.027\n\nSite Influence\nComparison to Subject is\nonly applicable to\ncomparables\n\n23.03.06 View from\n\nIf relevant\n\nUnit\n\nView from Unit is not\nreported for\ncomparables\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nView from Unit does not\npopulate from Site; the\nappraiser must enter\ninformation for each\nunit in the Rent\nSchedule\n\nNo\n\nNote: If Site Influence is Body of Water, Body of Water Type displays.\n\nNo\n\nNo\n\nSite Influence Comparison to Subject: Describes how the comparable’s\nsite influences compare to those of the subject property.\n\nBay\nCanal\nCity Street\nCommercial\nCove\nCreek\nGolf Course\nGulf\nHigh Density Residential\nHighway\nIndustrial\nLake\n\nThe view(s) from the subject unit.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Marsh\n• Mountain\n•\nOcean\n•\nPark\n•\nParking Lot\n•\nPastoral\n•\nPond\n•\nReservoir\n•\nResidential\n•\nRiver\n•\nSchool\n•\nSkyline\n•\nSound\n•\nTraffic Wall Barriers\n•\nValley\n• Woods\n•\n\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 295 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n"} diff --git a/chunks/json/e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a.json b/chunks/json/e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a.json new file mode 100644 index 0000000000000000000000000000000000000000..aa7d5ebc84dc82effd25a6dd6574c78a2ec59958 --- /dev/null +++ b/chunks/json/e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":322230,"char_start":320602,"chunk_id":"chk_6f8f4098ac8d6b92","chunk_index":190,"chunk_sha256":"e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"10.035\n\nInterior\nCondition Rating\n\nAlways required\n\nC1 to C6\n\nReference Appendix 2: Condition and Quality Rating Definitions for definitions.\n\n10.036 N/A\n\nAlways displays\n\nN/A\n\nInterior Condition Rating also displays in Overall Quality and Condition\n(15.009), Sales Comparison Approach (22.09.10 and 22.10.09), and if\napplicable in Rental Information (23.03.10).\n\nNote: Reflects the condition as if any required repairs, inspections, or\ncompletions have been satisfactorily completed.\n\nThe tables below support the Interior Quality and Condition ratings and reflect\nthe market value condition of this report\n\nAppendix F-1: URAR Reference Guide\n\nPage 135 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nKitchen and Bathroom Details\n\nKitchen and bathroom details provide support to the Interior Quality and Condition ratings, and ultimately to\nthe Overall Quality and Condition Ratings.\n\nInformation for each Kitchen and Bathroom in the Unit\n\nUnit Interior: Kitchen and Bathroom Details\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.037 Room\n\nRequired for each\nkitchen and bathroom\nin the unit\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nBath – Half\nBath – Full\nKitchen\n\n•\n•\n•\nNotes:\n•\n•\n\nRedisplays from the Level and Room Detail table (10.029).\nPhoto(s) of each kitchen and bathroom must be provided, which display\nin Unit Interior Exhibits with Level and Room Type. If there are multiple\nkitchens or bathrooms, provide an additional caption to identify the\nphoto. Examples: Bath 1, Upstairs Bath.\n"} diff --git a/chunks/json/e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6.json b/chunks/json/e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6.json new file mode 100644 index 0000000000000000000000000000000000000000..4c2ac73661d51518fa19cc78aea77a2bc19e33a9 --- /dev/null +++ b/chunks/json/e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38466,"char_start":36664,"chunk_id":"chk_4af360bdff25b710","chunk_index":21,"chunk_sha256":"e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6","token_estimate":451,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 20\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"} diff --git a/chunks/json/e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40.json b/chunks/json/e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40.json new file mode 100644 index 0000000000000000000000000000000000000000..44cc8a8c9c9c73b4cc11680bf05a8850b474bb47 --- /dev/null +++ b/chunks/json/e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40.json @@ -0,0 +1 @@ +{"chunk":{"char_end":448281,"char_start":446516,"chunk_id":"chk_95135c60f97e4747","chunk_index":250,"chunk_sha256":"e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 182 of 166\n\nUAD 3.6 Policy\n\n•\n\ncash-out for reimbursement of documented out-of-pocket expenses for the completed repair of disaster-related\nproperty damage to their principal residence in an amount not to exceed the lesser of 10% of the balance of the new\nrefinance loan or $15,000.\n\nAll existing guidelines and requirements for limited cash-out refinance transactions listed in this section continue to apply,\nincluding those for Texas Section 50(a)(6) loans (see Selling Guide B5-4.1-01, Texas Section 50(a)(6) Loans).\n\nDocumentation of Eligible Disaster-Related Expenses and Financing\n\nThe lender must document that the subordinate financing (or a portion of the HELOC) or the entire requested cash-out amount\nrepresents funds used for completed disaster-related property repairs.\n\nGenerally, documentation includes copies of receipts, work orders, canceled checks, etc., related to the cost of materials and\nlabor.\n\nThe borrower may not receive any reimbursement for amounts representing their sweat equity in connection with the repairs.\n\nNote: All documentation must post-date the disaster and be directly related to completed repairs of damage to the property\nresulting from the disaster.\n\nLimited Cash-Out Refinance DU Requirements\n\nCertain messages on the DU Underwriting Findings Report will not apply to loans originated under the disaster-related limited\ncash-out refinance requirements.\n\nWhen the loan complies with the requirements of this section, lenders may disregard the following messages:\n\n•\n\n•\n\n•\n\nThis case is ineligible because the amount of cash taken out of the subject property equity exceeds the limit of the\ngreater of 1% of the loan amount or $2,000 for limited cash-out refinances.\n"} diff --git a/chunks/json/e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339.json b/chunks/json/e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339.json new file mode 100644 index 0000000000000000000000000000000000000000..7e24452ac3e04eea54dfc546be617fdd759e3515 --- /dev/null +++ b/chunks/json/e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339.json @@ -0,0 +1 @@ +{"chunk":{"char_end":533166,"char_start":531517,"chunk_id":"chk_6c18cc3ea50c9b0e","chunk_index":314,"chunk_sha256":"e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Describe the condition of the\nproperty (including needed\nrepairs, deterioration,\nrenovations, remodeling, etc.)\n\nGSE Estimate Year\nOf Improvement\nType\n\nThe time period associated with the\nupdating or remoding of the property\ndescribed by GSE Improvement Area\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CONDITION_DETAIL\n_EXTENSION/CONDITION_DETAIL_EXTENSION_SECTION[@ExtensionSe\nctionOrganizationName='UNIFORM APPRAISAL\nDATASET']/CONDITION_DETAIL_EXTENSION_SECTION_DATA/CONDIT\nION_DETAIL[@_SequenceIdentifier='1..2']/@GSEEstimateYearOfImprovement\nType\n\n23\n\nEnumerated\n\nAllowable Values PDF Display\nLessThanOneYearAgo less than one year ago\nOneToFiveYearsAgo one to five years ago\nSixToTenYearsAgo six to ten years ago\nElevenToFifteenYearsAgo eleven to fifteen years ago\nUnknown timeframe unknown\n\nThis field is required if field e-12 (GSE\nImprovement Description Type) has a\nvalue of 'updated' or 'remodeled'.\n\nCR\n\nCR\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n295\n\n2\n\n88\n\nUNIT\nDESCRIPTION\n\nDescribe the condition of the\nproperty (including needed\nrepairs, deterioration,\nrenovations, remodeling, etc.)\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nropertyCondition']/@_Comment\n\n4000\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"} diff --git a/chunks/json/e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9.json b/chunks/json/e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9.json new file mode 100644 index 0000000000000000000000000000000000000000..f353e1abfb209b50db8d5700230de0d1a37c2dc1 --- /dev/null +++ b/chunks/json/e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":367409,"char_start":365761,"chunk_id":"chk_2baa0a8abd6410ac","chunk_index":217,"chunk_sha256":"e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\n12.014 Heating (System) Required if the\n\noutbuilding contains\nADU(s)\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Heating\nSystem Type)\n\n12.015 Heating (Detail) Required for each\nidentified Heating\nSystem Type\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n12.015 Heating (Detail) Required if Heating\nSystem Type is None\n\nYes | No\n\nDefinition / Additional Guidance\n\nHeating System Type: The type(s) of permanent heating system in the\noutbuilding.\n•\nNone\n•\nBaseboard\n•\nFireplace\n•\nForced Warm Air\n•\nGravity Air\n• Mini Split\n•\n•\n•\n•\n•\n\nPassive Solar\nRadiant\nRadiators\nStove\nOther (Describe)\n\nHeating System Fuel: The primary fuel used by the indicated Heating System.\n•\nCoal\n•\nElectric\n•\nGeothermal\n•\nNatural Gas\n•\nOil\n•\nPropane\n•\nSolar\n• Wood\n•\n\nOther (Describe)\n\nLack of Heating Typical for Market: Indicates whether the lack of heating in the\nADU is prevalent in the market.\n•\n•\n\nYes (Typical for Market)\nNo (Not Typical for Market)\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nHeating System Type (Choose one or more)\n\nNone\n\nBaseboard\n\nFireplace\n\nNote: Only select this answer if the structure does not have permanent heat.\n\nA system of perimeter heating located at the base of the wall where the baseboard would be.\n\nNote: Only select this answer if the fireplace is designed to be used as a source of heat. Other fireplaces are reported in the\nSubject Property Amenities section (14.002).\n\nForced Warm Air\n\nA system that propels air over a heat source that is distributed via ducts and vents throughout a home or a structure.\n"} diff --git a/chunks/json/e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54.json b/chunks/json/e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54.json new file mode 100644 index 0000000000000000000000000000000000000000..5f290705a09812fa75508192214ee265047e2185 --- /dev/null +++ b/chunks/json/e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12918,"char_start":11321,"chunk_id":"chk_a1633b6fd7513dc2","chunk_index":7,"chunk_sha256":"e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"-20000\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp2 ADU\n\n0\n\nWaterFeaturesAmenity\n\n10000\n\nVehicleStorage\n\n-5000\n\nOutbuilding\n\n768380\n\nEast\n\nMost\n\nfalse\n\n215\n\n2\n\n6.56\n\n3380\n\ntrue\n\ntrue\n\nHERS\n\n65\n\nHome Energy Score\n\n8\n\nSolar\n\nDwelling\n\n1984\n\nCarpets, Tile, Hardwood\n\nFlooring\n\nModeratelyUpdated\n\nStandard 8-9 Ft. Ceilings\n\nWallsAndCeiling\n\nModeratelyUpdated\n\n281\n\n3562\n\n1000\n\nfalse\n\n5\n\n3\n\n1\n\nC4\n\nQ4\n\nMid Grade Finish\n\nNotUpdated\n\nComp2 Primary\n\nMid Grade Quality\n\nKitchen\n\nFullyUpdated\n\n0\n\n500\n\ntrue\n\n1\n\n1\n\n0\n\nC4\n\nQ4\n\nComp2 ADU\n\nColonial\n\nAluminum\n\nExteriorWallsAndTrim\n\nComposition\n\nRoof\n\nC3\n\nQ4\n\n2\n\nForcedWarmAir\n\nfalse\n\nOutbuilding\n\ntrue\n\nPoolHouse\n\nElectricity\n\n0\n\n192\n\nPropertyPhoto\n\n\\\\Images\\SF3_Comp2.png\n\nimage/png\n\n76\n\n779000\n\nSettledSale\n\n58.712135\n\n-87.784968\n\nDeck\n\nDeck\n\nPatio\n\nPorch\n\nOutdoorLiving\n\nIngroundPool\n\nOther\n\nDiving Board\n\nWaterFeatures\n\n1\n\nDetached\n\n1\n\ntrue\n\n1\n\nC4\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\n2018-07-01\n\n2019-01-01\n\n765000\n\nSale\n\nNone\n\nAsphalt\n\nLocal\n\nfalse\n\n14.37\n\nFull\n\nPastoral\n\n35422 Place Rd\n\nOut There\n\n56789\n\nVA\n\nDriveway\n\nGravel\n\n4\n\nfalse\n\nDetached\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n25000\n\nSiteSize\n\n0\n\nPropertyStreetAccessAndSurface\n\n0\n\nView\n\n0\n\nYearBuilt\n\n0\n\nDwellingStyle\n\n0\n\nEnergyEfficientAndGreenFeatures\n\n0\n\nLivingUnitBedroomCount\n\nComp3 Primary\n\n30000\n\nLivingUnitBathroomCount\n\nComp3 Primary\n\n115840\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp3 Primary\n\n53760\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp3 Primary\n\n12320\n\nLivingUnitUnfinishedAreaBelowGrade\n\nComp3 Primary\n\n0\n\nAccessoryDwellingUnitLocation\n\nComp3 ADU\n"} diff --git a/chunks/json/e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527.json b/chunks/json/e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527.json new file mode 100644 index 0000000000000000000000000000000000000000..cf6cc60f90b4ecbe12342ef6f0805fe8a368c000 --- /dev/null +++ b/chunks/json/e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527.json @@ -0,0 +1 @@ +{"chunk":{"char_end":409542,"char_start":407501,"chunk_id":"chk_91f090c7a1055c1b","chunk_index":228,"chunk_sha256":"e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527","token_estimate":511,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Loan Conversion Documentation Options\n\nSingle-Closing Transaction Overview\n\nSingle-closing transactions may be used for both the construction loan and the permanent financing if the borrower wants to\nclose on both the construction loan and the permanent financing at the same time. When a single-closing transaction is used, the\nlender will be responsible for managing the disbursement of the loan proceeds to the builder, contractor, or other authorized\nsuppliers.\n\nBecause the loan documents specify the terms of the permanent financing, the construction loan will automatically convert to a\npermanent long-term mortgage loan upon completion of the construction.\n\nLoans that combine construction and permanent financing into a single transaction cannot be purchased by Fannie Mae until the\nconstruction is completed and the terms of the construction loan have converted to the permanent financing.\n\nManufactured homes must meet all applicable requirements, including compliance with SB5-2-05, Manufactured Housing Legal\nConsiderations.\n\nLenders must use SFC 151 when delivering single-closing construction-to-permanent loans to Fannie Mae (and any other SFCs\nthat may apply to the transaction).\n\nTerms of Construction Loan Period for Single-Closing Construction-to-Permanent Mortgages\n\nFor all single-closing construction-to-permanent transactions, the construction loan must be structured as a temporary loan\nexempt from the ability to repay requirements under Regulation Z. The construction loan period for single-closing construction-\nto-permanent transactions may have no single period of more than 12 months and the total period may not exceed 18 months.\nLenders may, when needed to complete the construction, provide an extension to the original period to total no more than 18\nmonths but the documents may not indicate an initial construction period or subsequent extension of more than 12 months.\nAfter conversion to permanent financing, the loan must have a loan term not exceeding 30 years (disregarding the construction\nperiod).\n"} diff --git a/chunks/json/e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe.json b/chunks/json/e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe.json new file mode 100644 index 0000000000000000000000000000000000000000..61ed2326dae877db23ef6079347e24c2a199ab15 --- /dev/null +++ b/chunks/json/e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1597,"char_start":0,"chunk_id":"chk_2116228fe89cabfc","chunk_index":0,"chunk_sha256":"e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"2\n\nUnit # 7\nOwner of Public Record 12\n\nIndividual Condominium Unit Appraisal Report\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\nProperty Address 6\nBorrower 11\nLegal Description 14\nAssessor’s Parcel # 15\nProject Name 18\nOccupant Owner Tenant Vacant\nProperty Rights Appraised Fee Simple Leasehold Other (describe) 32\nAssignment Type Purchase Transaction Refinance Transaction Other (describe) 36\nLender/Client 37\nAddress 38\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No\nReport data source(s) used, offering price(s), and date(s). e-2; 41\n\nR.E. Taxes $ 17\nCensus Tract 21\nHOA $ 26 per year per month\n\nPhase # 19\nSpecial Assessments $ 25\n\nTax Year 16\nMap Reference 20\n\nState 9\nCounty 13\n\nZip Code 10\n\nCity 8\n\nFile # 3\n\n4 4a\n\n28\n\n31\n\n30\n\n40\n\n29\n\n23\n\n22\n\n33\n\n24\n\n27\n\n34\n\n35\n\n39\n\n42\n\n43\nI did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\nperformed. e-3; 44\n\nContract Price $ 45\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No\nIf Yes, report the total dollar amount and describe the items to be paid. 52a; e-4; 52b\n\nIs the property seller the owner of public record? Yes No Data Source(s) 49\n\nDate of Contract 46\n\n51\n\n47\n\n48\n\n50\n"} diff --git a/chunks/json/e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361.json b/chunks/json/e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361.json new file mode 100644 index 0000000000000000000000000000000000000000..7c5fd766079eee07ab1fc98c9dd454098019e673 --- /dev/null +++ b/chunks/json/e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361.json @@ -0,0 +1 @@ +{"chunk":{"char_end":314779,"char_start":313399,"chunk_id":"chk_307936376c102bf7","chunk_index":170,"chunk_sha256":"e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361","token_estimate":434,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"61.\n\n8.5 – 8.9 Reg §1026.38(g)(2), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(2) pp. 80117, 80343,\n\n79960-61.\n\n8.10 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343, 79961-\n\n62.\n\n8.11 – 8.15 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343,\n\n79961-62.\n\n8.16 Reg §1026.38(g)(4), pp. 80123, 80353, 80012; Cross reference §1026.37(g)(4) pp. 80117, 80343-4, 79962-\n\n65.\n\n8.17 Reg §1026.38(g), pp. 80123, 80353, 800011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959.\n\n8.18 | 8.19 Reg §1026.38(g)(5) and (6), pp. 80123, 80354, 80012; Cross reference to §1026.37(g)(5) pp. 80117,\n\n80344, 79965.\n\nAppendix E: UCD Implementation Guide\n\nPage 144 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n9.0 Total Closing Costs\n\n9.0 TOTAL CLOSING COSTS\n\nThe last table on the Closing Cost Details page is TOTAL CLOSING COSTS (Borrower-Paid) shown in Figure 87.\nThe Total Closing Costs table provides the following totals and subtotals, as well as a line item for Lender\nCredits.\n\n9.1 Total Closing Costs (Borrower-Paid) - adds together and subtotals all line item amounts designated as\nBorrower-Paid At and Before Closing. The total Borrower-Paid amount is equal to the sum of the Total Loan\nCosts (7.8.1) and Total Other Costs (Borrower-Paid) (8.18.1) subtotals At and Before Closing.\n"} diff --git a/chunks/json/e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed.json b/chunks/json/e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed.json new file mode 100644 index 0000000000000000000000000000000000000000..bf7681223c34d153496217b7c2352fe04d3724e0 --- /dev/null +++ b/chunks/json/e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6795,"char_start":4852,"chunk_id":"chk_d2443520dd52fd2a","chunk_index":6,"chunk_sha256":"e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed","token_estimate":485,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Page 3 of 29\n\nVersion 1.1\n\nAcronyms and Abbreviations\n\nACRONYMS AND ABBREVI ATI ONS\n\nAcronym or\nAbbreviation\nMISMO\nMISMO LDD\nMISMO v3.4\nREO\nULAD\nUMDP\nURLA\n\nTerm\n\nMortgage Industry Standards Maintenance Organization\nMISMO Logical Data Dictionary\nMISMO Version 3.4 Reference Model\nReal Estate Owned\nUniform Loan Application Dataset\nUniform Mortgage Data Program\nUniform Residential Loan Application\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 4 of 29\n\nVersion 1.1\n\nGlossary\n\nGLOSSARY\n\nTerm\nMISMO v3.4\nReference Model\nStructures\n\nDefinition\nThe hierarchical organization of XML elements (containers and data points) providing an\nentity-relationship model of the mortgage life cycle.\n\nMISMO v3.4\nStructures\n\nThe hierarchical organization of XML elements (containers and data points) providing an\nentity-relationship model of a specific portion of the mortgage life cycle.\n\nXLink\n\nXML Linking Language, or XLink, is an XML markup language and W3C specification\nthat provides methods for creating internal and external links within XML documents, and\nassociating metadata with those links.\n\nXLink Arcroles A defined relationship between two data facts or groups of facts (containers) described\n\nusing the Xlink standard linking language and a descriptive arcrole defined in the MISMO\ndata standards.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 5 of 29\n\nVersion 1.1\n\n___________\n\n_ ___\n\nIntroduction\n\nI NTRODUCTI ON\n\nDOCUMENT ORGANIZAT ION\n\nThis document provides the details of the data relationships in the MISMO Version 3.4 standard. There\nis an introduction to data relationship concepts as well as detailed information for the creation and usage\nof data relationships used as part of the Uniform Loan Application Dataset (ULAD) Data Mapping\ndocument. The sections outlined in this document will provide the following information about data\nrelationships used by the ULAD as defined within the MISMO Data Standard:\n"} diff --git a/chunks/json/e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244.json b/chunks/json/e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244.json new file mode 100644 index 0000000000000000000000000000000000000000..e2483d0f459cfa6bea79d6b0048191b7d09df956 --- /dev/null +++ b/chunks/json/e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23157,"char_start":20777,"chunk_id":"chk_891a4b351c9254dd","chunk_index":5,"chunk_sha256":"e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244","token_estimate":593,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"[Launch App](https://servicing.fanniemae.com/smdu/) **\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/new-user.svg)\n\n[New User](/applications-technology/technology-manager)\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg)\n\n[Help & Training](/learning-center/servicing/servicing-management-default-underwriter)\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg)\n\n[SMDU UI Technology Registration Job Aid](/media/document/pdf/smdu-ui-technology-registration-job-aid)\n\n[View Application Status](/applications-technology/technology-application-availability)\n\n###\n\n- Loss Mitigation\n - Loss Mitigation Valuations\n - Borrower-Initiated MI Termination\n - Release Notes\n - Archived Release Notes\n - Technology Terms & Conditions\n #### Loss Mitigation Features\n\nUse SMDU to perform a variety of loss mitigation-related activities:\n\n- Evaluating a loan for retention workout and/or borrower eligibility for a Short Sale and Mortgage Release™.\n- Determining if a loan is in imminent default.\n- Reporting Trial Period Plan Payments.\n- Closing and/or canceling an active retention case.\n- Reporting a disaster payment deferral or payment deferral.\n- Creating a case to send workouts to Fannie Mae for review and approval: Payment Deferral, Modification, Short Sale, Mortgage Release, Charge Off and/or Second Lien Consideration.\n**Key Benefits**\n\n- One application for automated workout decisioning and case reporting to Fannie Mae creates operational efficiencies and reduces risks.\n- Rapid delivery of new products and policy in response to changing market conditions.\n- Eliminates manual and resource-intensive loss mitigation activities.\n- Certainty that borrower evaluation is consistent with Fannie Mae servicing policy.\n- Ability to provide homeowners with fast, accurate, and consistent decisions.\n- Offers servicers rep and warrant relief when using SMDU decision, reducing uncertainty.\n**User Guides**\n[SMDU UI Loss Mitigation User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-user-guide)\n[SMDU UI Payment Deferral Options User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-payment-deferral-options-user-guide)\n[SMDU UI Bankruptcy Cramdown User Guide](/media/document/pdf/smdu-ui-user-guide-reporting-bankruptcy-cramdown-fannie-mae)\n"} diff --git a/chunks/json/e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8.json b/chunks/json/e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8.json new file mode 100644 index 0000000000000000000000000000000000000000..0dfdb82137027a6543a95c1d7c664eccd336f709 --- /dev/null +++ b/chunks/json/e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19806,"char_start":18148,"chunk_id":"chk_9e6b944313e5cacb","chunk_index":11,"chunk_sha256":"e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8","token_estimate":415,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 11 of 23\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\nNo\n0\n1\n0\n\nUnit Interior - Standalone ADU - Cottage\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nADU\n\nLegally Rentable\nData Source\nTypical for Market\nIngress/Egress\nSeparate Postal Address\n\nLevel and Room Detail\n\n464 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nYes\nAssessor Record\nYes\nExterior Access Only\nNo\n\nYes No\n \n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n464 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value of the condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nQuality Comment\nStandard builder grade\ncabinets, materials, and\nappliances\n\nStandard builder grade\ncabinets and materials\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted\n\nTypical Wear and Tear\n\nNo damage or condition\nissues noted\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCeramic Tile\n\nLaminate\n\nWalls and Ceiling\n\n8 Ft. | Flat\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\nStandard Grade - meets\nmarket expectations for this\ntype of unit.\n"} diff --git a/chunks/json/e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e.json b/chunks/json/e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e.json new file mode 100644 index 0000000000000000000000000000000000000000..6a252f0ba44dc1066ecb933a5c24dd369be0cad7 --- /dev/null +++ b/chunks/json/e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":139423,"char_start":137746,"chunk_id":"chk_6dccd9571320b5d6","chunk_index":80,"chunk_sha256":"e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"General Information\n\nSite Size and Parcels\n\nSite Size and Parcels\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.000\n\nTotal Site Size\n\nRequired if Site Owned\nin Common is No\n\nAllowable\nAnswers / Format\n\nNumber of acres,\nsquare feet,\nhectares, or\nsquare meters\n\nDefinition / Additional Guidance\n\nThe total area of the site, including all parcels.\n•\n\nFor area less than 1 acre, use square feet in whole numbers (e.g., 27,840\nsq. ft.).\nFor area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres).\nIf using the metric system, for area less than 1 hectare, use square meters\nin whole numbers (e.g., 7,500 sq. m.).\nIf using the metric system, for area that is 1 hectare or more, use hectares\nto 2 decimals (e.g., 1.25 hectares).\n\nIf there is more than one parcel, the Total Site Size may not exactly match\nthe sum of all Parcel Sizes (4.007) due to rounding differences for\nindividual parcels.\nIf new construction and providing an estimate, provide an explanation\nand describe in Site Commentary (4.116).\n\n•\n•\n\n•\n\n•\n\nNote:\n•\n\n4.001\n\nDimensions\n\n4.002\n\nNumber of\nParcels\n\n4.003\n\nContiguous\n\nMay be provided for\nFHA, USDA, and VA\nappraisals if Site\nOwned in Common is\nNo\n\nRequired if Site Owned\nin Common is No\n\nFree-form\n\nThe dimensions of the site such as its width and depth.\nNote: Must be consistent with other forms of measurement in the report.\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nNumber\n\nThe total number of parcels that comprise the subject property.\n\nRequired if Number of\nParcels is more than 1\n\nYes | No\n\nParcels Contiguous\nIndicates whether two or more parcels share at least one common boundary.\n•\n•\n"} diff --git a/chunks/json/e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300.json b/chunks/json/e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300.json new file mode 100644 index 0000000000000000000000000000000000000000..6d9d9e757385639dd88fbca654c3ab83dbb2b0fa --- /dev/null +++ b/chunks/json/e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5073,"char_start":3387,"chunk_id":"chk_275a10b4f33ff116","chunk_index":2,"chunk_sha256":"e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d5a90acce2e4362f","text_sha256":"e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300","token_estimate":422,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report without Report Field IDs v1.2.pdf"]},"text":"Additional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nThe VA is also an intended user of this report.\n\nAdditional Intended Users\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the\nsubject 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 subject property, or the demographics\nof the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender\nidentity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the\npresent or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other\nbasis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n"} diff --git a/chunks/json/e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084.json b/chunks/json/e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084.json new file mode 100644 index 0000000000000000000000000000000000000000..c025717381bdef9b5dae696d20572c4b3983a506 --- /dev/null +++ b/chunks/json/e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084.json @@ -0,0 +1 @@ +{"chunk":{"char_end":173505,"char_start":171726,"chunk_id":"chk_8ac12b75e3c84771","chunk_index":100,"chunk_sha256":"e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084","token_estimate":445,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1\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 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\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\nCredentials\n\nLevel\nID\nState\nExpires\n\n12345\nIL\n10/31/2020\n\nCertified Residential\n5555-2222\nIL\n06/30/2020\n\nThe client has requested a desktop appraisal which requires no inspection of the subject property from the appraiser. All information\nregarding the quality and condition of the property will be made through the use of MLS photos and a conversation with the real estate agent.\nDimensions of the home have been provided by the builder and a 3D scan was completed by the real estate agent.\n"} diff --git a/chunks/json/e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5.json b/chunks/json/e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5.json new file mode 100644 index 0000000000000000000000000000000000000000..59495e6f73440d5367e109517602d59b2b737f1b --- /dev/null +++ b/chunks/json/e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16911,"char_start":15249,"chunk_id":"chk_8cbb2ffcb883711b","chunk_index":9,"chunk_sha256":"e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5","token_estimate":414,"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":"Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 10 of 22\nPage 10 of 22\n\nMarket (continued)\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\n7\n29\n$699,999\n$747,000\n$769,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n31\n$719,000\n$764,000\n$809,000\nNo\nMedian Days on Market\nPrice Trend\nXYZ MLS\n\nShortage\n\nMarketing Time\n\nUnder 3 months\n\nSubject location is close to public transportation and employment centers, resulting in high demand for housing under $1 million. The\nidentified market segment covers the bedroom community outside southeast LA.\n\nMarket Exhibits\n\nMedian Days on Market\n\nThis is where the Median Days on Market Graph would display.\n\nPrice Trend\n\nThis is where the Price Trends Graph would display.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 22\nPage 11 of 22\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nThe MI5\n\nProject Name\nProject Information Data Source Condominium Questionnaire\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\n36\n34\n2\n~3\n\nProject Completeness\n\nAre units, common areas, and amenities in project\ncomplete?\nConverted in Past 3 Years\n"} diff --git a/chunks/json/e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104.json b/chunks/json/e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104.json new file mode 100644 index 0000000000000000000000000000000000000000..59e6391d6a278db568d30eae0e7a46c95bc2cf67 --- /dev/null +++ b/chunks/json/e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104.json @@ -0,0 +1 @@ +{"chunk":{"char_end":592270,"char_start":590633,"chunk_id":"chk_ca5be5916f8db4e3","chunk_index":341,"chunk_sha256":"e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"43\n$325,000\n$340,000\n$370,000\nNo\nPrice Trend\nABC MLS\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThe Price Trend graph indicates no measurable change in prices during the identified lookback period.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 9 of 19\nPage 9 of 19\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend\n\nThis is where the Price Trend graph would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nMLS\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nTransfer Terms\nTypically Motivated\n\nDate\n10/30/2018\n\nAmount\n$250,000\n\nAnalysis of Prior Sale and Transfer History of Subject Property This was a builder sale.\n\nComparable Transfer History\n\nData Source\nMLS\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\n\n2\n\n3\n\n4\n\n5\n\nTypically Motivated\n\n07/17/2020\n\n$300,000\n\nNone\n\nNone\n\nTypically Motivated\n\n04/15/2019\n\n$275,000\n\nMLS\n\nMLS\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales The prior transfers of comps 2 and 5 represent resales at market value.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n"} diff --git a/chunks/json/e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356.json b/chunks/json/e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356.json new file mode 100644 index 0000000000000000000000000000000000000000..42f73ae8b02bdcdc91b2caf5f56738dabb740391 --- /dev/null +++ b/chunks/json/e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356.json @@ -0,0 +1 @@ +{"chunk":{"char_end":302867,"char_start":301112,"chunk_id":"chk_673e8a5f9d527d5b","chunk_index":173,"chunk_sha256":"e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"9875554321\n\n\n\n\n \n \n\nSarah\n Arnold\n\n\n \n \n \n\n\n \n\n\n\nAX789012\n\n\n\n\n \n \n\nClosingAgent\n\n\n\n\n \n\n\n\n\n\n\n\n\n\nUCD v2.0 Implementation Guide\n\n- 139 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 114. XML Snippet of Required Parties to the Transaction.\n\n\n\nEpsilon Title Co.\n\n\n\n\n \n
\n\n123 Commerce Pl.\n Mailing\n Somecity\n 12345\n ST\n\n
\n \n \n \n\n\n \n\n\n\nAX787811\n\n\n\n\n \n \n\nClosingAgent\n\n\n\n\n \n\n\n\nUCD v2.0 Implementation Guide\n\n- 140 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nZ. CONDITIONAL PARTIES DATA\n\nFour parties to the transaction are conditional—Property Seller for all purchases, and Mortgage Broker, Selling Real Estate\nAgent, Listing Real Estate Agent as applicable. Depending on the transaction, they are delivered in addition to the parties\ndescribed in Chapter Y.\n"} diff --git a/chunks/json/e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197.json b/chunks/json/e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197.json new file mode 100644 index 0000000000000000000000000000000000000000..29bf732f586a752e36d6f6b8e1f35b03788eab9f --- /dev/null +++ b/chunks/json/e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197.json @@ -0,0 +1 @@ +{"chunk":{"char_end":293994,"char_start":292385,"chunk_id":"chk_2be9f763bb400b83","chunk_index":157,"chunk_sha256":"e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"iii. PREPAID_ITEM_PAID_TO and its two child containers, INDIVIDUAL and LEGAL ENTITY which provide\n\nthe names for legal entity and individual payees.\n\niv. PREPAID_ITEM_PAYMENT repeats as necessary to represent payments disclosed in the Borrower-\nPaid (At Closing /Before Closing), Seller-Paid (At Closing / Before Closing), and Paid by Others\ncolumns.\n\n8. 10 I NI TI AL ESCROW PAYME NT AT CLOSI NG\n\nThe Regulation specifies the order and contents of each of the first three line items that must appear in section\nG. Initial Escrow Payment at Closing as shown in the following figure.\n\n8.11 The number of months for which the borrower paid Homeowner’s Insurance Premiums and the\n\nmonthly and total dollar amounts.\n\n8.12 The number of months for which the borrower paid Mortgage Insurance Premiums and the monthly\n\nand total dollar amounts.\n\n8.13 The number of months for which the borrower paid Property Taxes and the monthly and total dollar\namounts. When more than one tax is assessed on the real property that secures the loan and the\ntaxes are not paid at the same time, the additional Property Tax may be separately itemized.\n\n8.14 Additional items relevant to the transaction are listed starting on the next available line item.\n\nFigure 85 shows a transaction that has an escrow account requiring initial payments for homeowner’s insurance,\nmortgage insurance, property taxes to both the state and the county, paid on different schedules, and\ncondominium dues.\n\n8.0 Other Costs\n\n8.1 E. Taxes and Other Government Fees\n\n8.4 F. Prepaids\n\n8.10 G. Initial Escrow Payment at Closing\n\nBorrower-Paid\n\nSeller-Paid\n"} diff --git a/chunks/json/e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee.json b/chunks/json/e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee.json new file mode 100644 index 0000000000000000000000000000000000000000..5b94c4842709cb5667ccd5deddf5343eb7e13395 --- /dev/null +++ b/chunks/json/e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":74507,"char_start":72885,"chunk_id":"chk_2a3d25e3a71725b1","chunk_index":43,"chunk_sha256":"e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Thermal Double Hung\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nElectric\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1)\n\nNone\n\nDwelling Exterior Commentary\n\nEach unit has its own centralized, thermostatically controlled HVAC.\n\nUnit Interior - Building 1 - Unit A\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\n1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n1\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n\nFinish\nFinished\n\nArea\n1,190 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 6 of 26\n\nUnit Interior - Building 1 - Unit A (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n"} diff --git a/chunks/json/e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956.json b/chunks/json/e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956.json new file mode 100644 index 0000000000000000000000000000000000000000..5fbdcd684b19d4304e8257816fff1fb50c02393f --- /dev/null +++ b/chunks/json/e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21506,"char_start":19808,"chunk_id":"chk_27c9273c58d2b341","chunk_index":12,"chunk_sha256":"e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956","token_estimate":424,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Standard Grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard drywall meets\nmarket expectations for this\ntype of dwelling.\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Standalone ADU - Cottage)\n\nNone\n\nUnit Interior Commentary\n\nThe ADU was built out within the past 5-10 years with standard builder grade materials that are typical for accessory units in this market. The\nunit has been well maintained with no apparent defects, damages, or deficiencies.\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 23\n\nUnit Interior - Standalone ADU - Cottage (continued)\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full\n\nLevel 1 - Kitchen\n\nThis is where the ADU Bath photo would display.\n\nThis is where the ADU Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the ADU Living Room photo would display.\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n2\n\n4\n\n2\n\nDetail\nDetached\n400 Sq. Ft.\n\nAsphalt\n\nAttached\n528 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nCarport\n\nDriveway - Garage\n\nThis is where the Carport photo would display.\n\nThis is where the Garage photo would display.\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201\n"} diff --git a/chunks/json/e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50.json b/chunks/json/e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50.json new file mode 100644 index 0000000000000000000000000000000000000000..8b7912c99a3ab703e9a40ec108b8c0a5e8c2b0c8 --- /dev/null +++ b/chunks/json/e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1733,"char_start":0,"chunk_id":"chk_78fb4f3e93e6acbb","chunk_index":0,"chunk_sha256":"e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50","date_utc":"2026-01-27T17:54:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e5b7a423cfa6db36","text_sha256":"e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Search_or_Browse_Mortgage_Documents___FHFA_rpn0m.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/search\"\ndate_accessed: \"2026-01-27T17:54:20.474Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3.json b/chunks/json/e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3.json new file mode 100644 index 0000000000000000000000000000000000000000..427a6848215c138483483582695defe2de53b982 --- /dev/null +++ b/chunks/json/e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8353,"char_start":6814,"chunk_id":"chk_27dc1abfd91765ae","chunk_index":4,"chunk_sha256":"e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d5a90acce2e4362f","text_sha256":"e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3","token_estimate":385,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report without Report Field IDs v1.2.pdf"]},"text":"3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I accept full responsibility for this certification of completion.\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\nAdditional Supervisory Appraiser Certifications\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\nSignature\n\n[Role]\n\n[Contact Name]\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638.json b/chunks/json/e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638.json new file mode 100644 index 0000000000000000000000000000000000000000..488be3be76c39a27f8af1f944b700ccbcf4105ce --- /dev/null +++ b/chunks/json/e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638.json @@ -0,0 +1 @@ +{"chunk":{"char_end":118777,"char_start":117170,"chunk_id":"chk_e12c81dfe7750edd","chunk_index":66,"chunk_sha256":"e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"LOAN_ORGINATOR\n\nLoanOriginatorType\n\nROLE\n\nROLE_DETAIL\n\nPartyRoleType\n\n\n\n2. PartyRoleTypes Used in the Loan Delivery Data Set\n\nPARTY loan delivery requirements are based on the PartyRoleTypes presented below.\nThe PARTY container must be delivered for each instance of Party Role Type. The\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 51 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nGSEs support several of the same PARTY containers, but each also has GSE-specific\nimplementations. Refer to each GSE’s Implementation Guide for more information.\n\nTable IV-9. PartyRoleTypes Used in ULDDS Appendix A.\n\nPARTY Parent\ncontainer\n\nParty Role Type\n\nRequired\nBy\n\nComments\n\nLOAN\n\nAppraiser\n\nBoth GSEs\n\nAppraiser Supervisor\n\nBoth GSEs\n\nBorrower\n\nBoth GSEs\n\nClosing Agent\n\nFor Future\nUse\n\nDocument Custodian\n\nFNM\n\nLoan Origination\nCompany\n\nBoth GSEs\n\nData needed for Title V\nreporting. Send if appraisal was\nused to value the property.\n\nData needed for Title V\nreporting. Send if appraisal was\nused to value the property.\n\nThe party container must be\nrepeated for each Borrower\n\nSee Fannie Mae Implementation\nGuide\n\nData needed for Title V reporting\n\nLoan Originator\n\nBoth GSEs Data needed for Title V reporting\n\nLoan Seller\n\nBoth GSEs\n\nPayee\n\nServicer\n\nFNM\n\nFNM\n\nSee Fannie Mae Implementation\nGuide\n\nSee Fannie Mae Implementation\nGuide\n\nTitle Company\n\nFNM\n\nFor Future Use\n\nDEAL_SET\n\nDocument Custodian\n\nFNM\n\nLoan Seller\n\nServicer\n\nFNM\n\nFNM\n\nSee Fannie Mae Implementation\nGuide\n"} diff --git a/chunks/json/e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2.json b/chunks/json/e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2.json new file mode 100644 index 0000000000000000000000000000000000000000..930c2c8be7ee25f207fdce069982ca1c57a09c28 --- /dev/null +++ b/chunks/json/e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15362,"char_start":13827,"chunk_id":"chk_38f3564686c034f3","chunk_index":8,"chunk_sha256":"e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"If you have any questions or comments about the data or documents, please email [PUDBdata@fhfa.gov](mailto:pudbdata@fhfa.gov).\n\n**2024 Enterprise PUDB Data** Format **Single-Family National File A**:\nMortgage-Level File for Owner-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfa.zip) [[.txt]](/document/2024_enterprise_sf_nfa.zip) **Single-Family National File B**:\nUnit-Level File for All Single-Family (1-4 Unit) Properties, including Renter-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfb.zip) [[.txt]](/document/2024_enterprise_sf_nfb.zip) **Single-Family National File C**:\nMortgage-Level File for Properties with High-Cost Single-Family Mortgages Purchased and Securitized by the Enterprises [[.csv]](/document/2024_pudb_sf_nfc.zip) [[.txt]](/document/2024_enterprise_sf_nfc.zip) **Single-Family Census Tract File**:\nMortgage-Level File for All Single-Family (1-4 Unit) Properties [[.csv]](/document/2024_pudb_sf_ctf.zip) [[.txt]](/document/2024_enterprise_sf_ctf.zip) **Multifamily National File P**:\nProperty-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_nfp.zip) [[.txt]](/document/2024_enterprise_mf_nfp.zip) **Multifamily National File U**:\nUnit-Class-Level File for All Multifamily Property Unit Classes [[.csv]](/document/2024_pudb_mf_nfu.zip) [[.txt]](/document/2024_enterprise_mf_nfu.zip) **Multifamily Census Tract File**:\nProperty-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_ctf.zip) [[.txt]](/document/2024_enterprise_mf_ctf.zip)\n"} diff --git a/chunks/json/e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee.json b/chunks/json/e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee.json new file mode 100644 index 0000000000000000000000000000000000000000..68a166d12afd504e268849c7a210b3ac6293517e --- /dev/null +++ b/chunks/json/e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":104281,"char_start":102292,"chunk_id":"chk_fedfecba227b68bf","chunk_index":139,"chunk_sha256":"e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee","token_estimate":497,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nPage 46\n\n• When PartyRoleType = “Appraiser” or “AppraiserSupervisor”, details such as the appraiser company name and designations are\n\nprovided in the APPRAISER container.\n\n• The appraiser fee when provided must be included in the instance of the PARTY container where PartyRoleType = “Appraiser”. In\n\nthe instance of this PARTY container, two ROLE containers must be included. One of the instances must identify\nROLE/ROLE_DETAIL/PartyRoleType = “Appraiser”, the other instance of ROLE container must include PROVIDED_SERVICE container\nwith FeeType = “AppraisalFee”.\n\n• The snippet below illustrates the use of ROLE/APPRAISER container to identify the appraiser’s company name and the use of\n\nROLE/PROVIDED_SERVICE container to provide the appraiser fee.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 47\n\n• The AMC fee when provided must be included in the instance of the PARTY container that represents the Appraisal Management\n\nCompany. In this instance of the PARTY container, two ROLE containers must be included. One instance must identify PartyRoleType\n= “ManagementCompany”, another instance of the ROLE container includes PROVIDED_SERVICE container with FeeType =\n“AppraisalManagementCompanyFee” as shown below.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 48\n\n• When PartyRoleType = “PropertyDataCollector”, additional information about the person acting as the property data collector must\n\nbe provided in the PROPERTY_DATA_COLLECTOR container as specified in the URAR Delivery Specification document.\n\nIn each section of the appraisal report, images are included per the conditionality stated in the URAR Delivery Specifications document. For\ndetails on how to package the images associated with a given appraisal in the submission file to UCDP, refer to the Appraisal File Structure\nsection. The images associated with an appraisal must not be embedded in the XML file, only the metadata about these images must be\n"} diff --git a/chunks/json/e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329.json b/chunks/json/e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329.json new file mode 100644 index 0000000000000000000000000000000000000000..242ed189d9b3603f8333f324df39fe49be105710 --- /dev/null +++ b/chunks/json/e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17720,"char_start":16116,"chunk_id":"chk_5d5b578f2ea4a1ef","chunk_index":10,"chunk_sha256":"e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Deck\n\n—\n\n$2,000\n\nDeck\n\nDeck | Portico\n\n$(2,500)\n\nType | Spaces | Detail\n\nDriveway | 3 | Concrete\n\nDriveway | 3 | Concrete\n\nDriveway | 3 | Concrete\n\n$(5,000)\n\nDriveway | 3 | Concrete\nGarage | 1 | Detached\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 11 of 19\nPage 11 of 19\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n318 Pine Crest Rd\nAnytown, MD 09992\n\n231 Beech Tree St\nAnytown, MD 09992\n\n431 Holly Ave\nAnytown, MD 09992\n\nSubject Property\n\nComparable # 1\n\nComparable #2\n\nComparable #3\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$339,900\n\n$335,000\n\n$13,000\n\n$279\n\n$348,000\n\nLess\n\n$350,000\n\n$350,000\n\n$0\n\n$278\n\n$350,000\n\nLess\n\n$364,900\n\n$364,900\n\n$(11,400)\n\n$278\n\n$353,500\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$350,000\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 12 of 19\nPage 12 of 19\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n849 Jolly Ave\nAnytown, MD 09992\n\n342 Trail Dr\nAnytown, MD 09992\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n"} diff --git a/chunks/json/e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c.json b/chunks/json/e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c.json new file mode 100644 index 0000000000000000000000000000000000000000..1b4f6f4b82708e51d68d853eb962dd604c180d7d --- /dev/null +++ b/chunks/json/e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1747,"char_start":0,"chunk_id":"chk_ec63a80e05690dfe","chunk_index":0,"chunk_sha256":"e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/fhfa-policies/website-privacy-policy\"\ndate_accessed: \"2026-01-27T17:48:00.616Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47.json b/chunks/json/e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47.json new file mode 100644 index 0000000000000000000000000000000000000000..50ecb5f25ffc72fe725f23b1770615aa6fe99141 --- /dev/null +++ b/chunks/json/e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10847,"char_start":8941,"chunk_id":"chk_0e383e057c346f0b","chunk_index":5,"chunk_sha256":"e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47","token_estimate":477,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.md"]},"text":"[FY2026 Projected New Competitive Procurement Opportunities [PDF]](/document/fy26-forecast.pdf)\n\n## How is FHFA Acquisition Different?\n\nFHFA's funding is non-appropriated, which means our budget resources are not provided by Congress. Instead, our funding comes from the entities we regulate. Consequently, FHFA is not subject to the Federal Acquisition Regulation (known as FAR).\n\nWhile subject to many of the same procurement laws as other government agencies, FHFA also works under separate and unique laws and has established its own contracting policies and procedures for procuring its goods and services. FHFA's contracting policies and procedures are a unique blend of the best of FAR and best practices from the private sector, which allows us to be more flexible in meeting the agency 's mission.\n\n## What to Do if You Want to Do Business with FHFA\n\n***Registering your business is the first and most critical step.***\n\nTo be included for consideration on solicitation distribution mailing lists for contracts in your business area, you should register in the following places:\n\n- **System for Award Management (SAM)**- This is the primary registrant database for the federal government. Generally, FHFA only awards contracts to businesses registered in SAM. The SAM website gives detailed instructions and helps answer your questions.\n- [www.sam.gov/content/home](https://sam.gov/content/home)\n- **Contract Opportunities on SAM.gov**- Almost all federal government solicitations that must be publicly advertised are advertised on this site.\n- [https://sam.gov/content/opportunities](https://sam.gov/content/opportunities)\n- **FHFA Doing Business With Us Form**- Complete and submit FHFA’s [Doing Business with Us Form](/contact/business)*,*including all the required fields. FHFA Contracting Officers consult these entries when developing source list.\n## ​​FHFA's Acquisition Process and Methods\n"} diff --git a/chunks/json/e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec.json b/chunks/json/e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec.json new file mode 100644 index 0000000000000000000000000000000000000000..cbc9e065bd1bece942b181ba6bbb1ea860a1180e --- /dev/null +++ b/chunks/json/e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53903,"char_start":52129,"chunk_id":"chk_ac9c35bcbef9a736","chunk_index":28,"chunk_sha256":"e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec","token_estimate":444,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"This data field designates the census\ntract location of the property securing\nthe Enterprise mortgage loan. FHFA has\nrenamed the data field from ‘‘Census\nTract/BNA—1990 Census’’ to ‘‘Census\nTract—2000 Census,’’ as the Enterprises\nhave reported 2000 Census geography\nsince 2003, and Block Numbering Areas\n(BNAs) were phased out after the 1990\nCensus.6\n\ne. Single-Family and Multifamily Data\nField 11: 2000 Census Tract—Percent\nMinority\n\nThis data field designates the\npercentage of the population that\nbelongs to all minority groups in the\ncensus tract location of the property\nsecuring the Enterprise mortgage. FHFA\nhas renamed this data field from ‘‘1990\nCensus Tract—Percent Minority’’ to\n‘‘2000 Census Tract—Percent Minority,’’\nas the Enterprises have used 2000\ncensus tract demographic data since\n2005.\n\nf. Single-Family and Multifamily Data\nField 12: 2000 Census Tract—Median\nIncome\n\nThis data field designates the family\narea median income (AMI) of the census\ntract location of the property securing\nthe Enterprise mortgage. FHFA has\nrenamed this data field from ‘‘1990\nCensus Tract—Median Income’’ to ‘‘2000\nCensus Tract—Median Income,’’ as the\nEnterprises have used 2000 census tract\ndata since 2005.\n\ng. Single-Family and Multifamily Data\nField 13: 2000 Local Area Median\nIncome\n\nThis data field designates the AMI for\nthe location of the property securing the\n\n6 http://www.census.gov/geo/www/cen_tract.html.\n\nEnterprise mortgage, which is: The MSA\nfor properties located in an MSA; or the\ncounty or State non-metropolitan area\nfor properties located outside an MSA,\nwhichever is greater. FHFA has\nrenamed this data element from ‘‘1990\nLocal Area Median Income’’ to ‘‘2000\nLocal Area Median Income,’’ as the\nEnterprises have used 2000 census tract\ndata since 2005.\n"} diff --git a/chunks/json/e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db.json b/chunks/json/e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db.json new file mode 100644 index 0000000000000000000000000000000000000000..2b02e39b90f5d73399eb9a964f24ff21d831d97d --- /dev/null +++ b/chunks/json/e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3269,"char_start":1653,"chunk_id":"chk_bbf6a70c549ede95","chunk_index":1,"chunk_sha256":"e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"Date of Contract 45\n\n50\n\n49\n\n46\n\n47\n\nNote: Race and the racial composition of the neighborhood are not appraisal factors.\n\nNeighborhood Characteristics\n\nOne-Unit Housing Trends\n\nLocation Urban\n52\n Over 75%\nBuilt-Up\n55\n Rapid\nGrowth\n58\nNeighborhood Boundaries 82\n\nSuburban\n53\n 25–75%\n56\n Stable\n59\n\nNeighborhood Description 83\n\nRural\nProperty Values\n55\n Under 25% Demand/Supply\n57\n Slow\n60\n\nDeclining\n Stable\n63\n In Balance Over Supply\n66\nMarketing Time Under 3 mths 3–6 mths Over 6 mths\n69\n\nIncreasing\n61\n Shortage\n64\n67\n\n62\n65\n68\n\nMarket Conditions (including support for the above conclusions) 84\n\nPresent Land Use %\n\nOne-Unit Housing\nAGE\nPRICE\n$ (000)\n(yrs)\n 70 Low 73 Multi-Family\n 71 High 74 Commercial\n 72 Pred. 75 Other\n\nOne-Unit\n2-4 Unit\n\n76 %\n77 %\n78 %\n79 %\n 81 %\n\nDimensions 85\nSpecific Zoning Classification 89\nZoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe) 95\n91\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 98\n\nArea 86\nZoning Description 90\n\nView e-5; e-6; e-7\n\nShape 87\n\n97\n\n96\n\n93\n\n92\n\n94\n\n99\n102\n\nPublic Other (describe)\n\n101\n100\n 104\n103\n\nUtilities\nElectricity\nGas\nFEMA Special Flood Hazard Area Yes No FEMA Flood Zone 119\nAre the utilities and off-site improvements typical for the market area? Yes No If No, describe 124\nAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe\n127\n\nOff-site Improvements—Type Public Private\nStreet 111\nAlley 114\n"} diff --git a/chunks/json/e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1.json b/chunks/json/e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1.json new file mode 100644 index 0000000000000000000000000000000000000000..9e95c84a391a700497464915e9a3da401e134efb --- /dev/null +++ b/chunks/json/e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3280,"char_start":1632,"chunk_id":"chk_467ba92c34263c90","chunk_index":1,"chunk_sha256":"e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8e3d94901b655c7c","text_sha256":"e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae4.md"]},"text":"This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit)\n\n##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR\n\nHelps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data.\n\n[Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type)\n\n##### Frequently Asked Questions\n\nProvides answers to common questions about the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/23286/display)\n\n##### Limited Production Period Overview\n\nGuidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview)\n\n##### Limited Production Period Lender Readiness Questionnaire\n\nMust be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire)\n\n##### Combined Sample Scenarios\n\nAppendix D sample scenarios, combined into a single PDF to make it easier to access and review them.\n"} diff --git a/chunks/json/e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64.json b/chunks/json/e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64.json new file mode 100644 index 0000000000000000000000000000000000000000..c97c4bb1de7c12fd55b9017fd2e390a95f78b709 --- /dev/null +++ b/chunks/json/e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64.json @@ -0,0 +1 @@ +{"chunk":{"char_end":404146,"char_start":402488,"chunk_id":"chk_edc9e27898f613e3","chunk_index":225,"chunk_sha256":"e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Research on state laws affecting manufactured housing liens indicates, more specifically, that in order to document a lien on\na manufactured home that is real property, state laws take several approaches:\n\n•\n\nsurrendering the certificate of title when the manufactured home is permanently affixed to the land;\n\n•\n\n•\n\nstatutory, regulatory, or judicial authority for recognizing a manufactured home as part of the real property, without\nsurrender of the certificate of title. A few states also require UCC filings; or\n\nrecognizing the manufactured home as real property without issuing a certificate of title when the unit is affixed to\nthe land.\n\nMost states permitting manufactured homes to be treated as real property without first being titled as personal property also\nhave procedures for issuing a certificate of title and then surrendering it.\n\nBackground Information on States where Surrender of a Certificate of Title is not Permitted\n\nState law that does not provide for surrender of the certificate of title may pose some additional risk to the lender and Fannie\nMae.\n\nUnder the UCC, as adopted in almost every state, a lien evidenced on any outstanding certificate of title will have priority over\na lien on real property to which the manufactured home is affixed, which is evidenced by a mortgage, deed of trust, or security\ndeed.\n\nHowever, Fannie Mae believes that if a lender follows procedures tailored to take advantage of all protection offered under\nexisting state law—including taking steps to assure that no certificate of title still exists that bears evidence of any lien\nsecuring any other loan—sufficient legal protection is afforded.\n"} diff --git a/chunks/json/ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b.json b/chunks/json/ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b.json new file mode 100644 index 0000000000000000000000000000000000000000..77055cb10c75d507aecf0f6cfe9e4dd054d8fc83 --- /dev/null +++ b/chunks/json/ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1292,"char_start":0,"chunk_id":"chk_a02ad046450c8000","chunk_index":0,"chunk_sha256":"ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_52166e2817dcdc6f","text_sha256":"ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b","token_estimate":323,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-november-4-2020.pdf"]},"text":"Technology Manager Release Notes\n\nNovember 20, 2020\n\nTechnology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access\nto Fannie Mae applications. Registered users can view and modify their user profile and security\ninformation, and company designated administrators can assign various applications to their users and\nmanage their System IDs.\n\nWhat's new in this release?\n\nCustomers can now view their Administrator details though a new feature in Technology Manager called\n“Who Are My Administrators?” Additionally, Administrators can now process an Administrator Registration\nRequest within 30 minutes of submission, through a new automated enhancement within Technology\nManager.\n\nUCDP Admin Registration Form goes digital! We’ve transformed the Uniform Collateral Data Portal (UCDP)\nAdmin Registration Form from paper to an online self-serve workflow in Technology Manager. To help\neliminate processing wait times, UCDP Lender Admins can now log in to Technology Manager to manage\nLender Admin users, with requests completed in near real-time. UCDP Lender Admins can manage other\nLender Admins or create new ones in Technology Manager. The process is secure, fast, and more efficient\nthan submitting paper forms.\n\n© 2020 Fannie Mae 12.1.20 Page 1 of 1\n"} diff --git a/chunks/json/ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8.json b/chunks/json/ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8.json new file mode 100644 index 0000000000000000000000000000000000000000..d22486ccf067f090efb78cc10edcc00ddfded58c --- /dev/null +++ b/chunks/json/ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9205434,"char_start":0,"chunk_id":"chk_dbf6e3b35c2ca20e","chunk_index":0,"chunk_sha256":"ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8","date_utc":"2026-01-27T18:13:13+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_4283830784aeb8bc","text_sha256":"ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8","token_estimate":1522,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_nfu/2024_Enterprise_MF_NFU/fnma_mf2024b_units.txt","exceeds_max_chunk_chars_truncated"]},"text":"1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 1 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 1 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 1 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 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1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 1 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 1 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 1 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 2 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 1 0\n1 10000001 2 1.0 2 0\n1 10000002 2 1.0 3 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 3 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 4 0\n1 10000002 2 1.0 3 0\n1 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1.0 3 0\n1 10000003 2 1.0 4 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 2 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 2 1.0 4 0\n1 10000003 2 1.0 4 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 4 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 2 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003 1 1.0 3 0\n1 10000003\n"} diff --git a/chunks/json/ea06d3a3a80e54ab0169a6c7ca4b8e27e0ccac19a005c9e6d13cecca925dff23.json b/chunks/json/ea06d3a3a80e54ab0169a6c7ca4b8e27e0ccac19a005c9e6d13cecca925dff23.json new file mode 100644 index 0000000000000000000000000000000000000000..4eba72a228f24e992114ebf0bc2253aab33000bd --- /dev/null +++ b/chunks/json/ea06d3a3a80e54ab0169a6c7ca4b8e27e0ccac19a005c9e6d13cecca925dff23.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10780,"char_start":8668,"chunk_id":"chk_108a194d6e6a213e","chunk_index":5,"chunk_sha256":"ea06d3a3a80e54ab0169a6c7ca4b8e27e0ccac19a005c9e6d13cecca925dff23","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_01262f3c594c67e9","text_sha256":"ea06d3a3a80e54ab0169a6c7ca4b8e27e0ccac19a005c9e6d13cecca925dff23","token_estimate":528,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/The_Ombudsman___FHFA_5mybwl.md"]},"text":"The FHFA Office of the Ombudsman was established pursuant to the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) and FHFA implementing [regulations](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-A/part-1213). The Office is responsible for independent, neutral consideration of complaints and appeals on matters relating to FHFA's regulation and supervision of the housing GSEs.\n\nThe Office of the Ombudsman does not consider consumer complaints. If you are a homeowner or homebuyer with a complaint, please see our [Homeowners & Homebuyers](/homeowners-and-homebuyers/mortgage-assistance/complaints-concerns-questions) page.\n\nNeither FHFA nor any FHFA employee may retaliate against a GSE or a person for submitting a complaint or appeal to the Ombudsman.\n\n## What the FHFA Ombudsman Does\n\n- Considers complaints and appeals relating to the regulation and supervision of the housing GSEs:- Complaints may be submitted by any housing GSE or by any person with a business relationship with a housing GSE; and\n- Appeals may be submitted by any housing GSE;\n- Conducts independent inquiries and acts as a neutral facilitator or mediator to help resolve complaints and appeals in a fair and timely manner; and\n- Submits findings of fact and recommendations to the FHFA Director concerning complaints and appeals that are not resolved administratively or by consent.\n## What the FHFA Ombudsman Does Not Do\n\n- Handle consumer complaints (if you are a homeowner or homebuyer with a complaint, please see our [Homeowner & Homebuyers page](/homeowners-and-homebuyers/mortgage-assistance/complaints-concerns-questions));\n- Facilitate or mediate disputes for which there is an existing avenue of appeal or other forum, such as matters in litigation, arbitration, or mediation; or a matter within the jurisdiction of the FHFA Office of Inspector General;\n- Handle employment disputes involving the housing GSEs (any housing GSE employee should address concerns to the appropriate office within their institution).\n## Are Complaints and Appeals Confidential?\n"} diff --git a/chunks/json/ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee.json b/chunks/json/ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee.json new file mode 100644 index 0000000000000000000000000000000000000000..b503d57deb5af7448b2c5bfa98f07b4dd6d6a93b --- /dev/null +++ b/chunks/json/ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14368,"char_start":12464,"chunk_id":"chk_7eecce8a2898f029","chunk_index":7,"chunk_sha256":"ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_01262f3c594c67e9","text_sha256":"ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee","token_estimate":508,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/The_Ombudsman___FHFA_5mybwl.md"]},"text":"FHFA regulates and supervises Fannie Mae, Freddie Mac, the FHLBanks, the Office of Finance of the FHLBank System, and CSS. Other federal agencies regulate and supervise other financial institutions. For complaints relating to institutions regulated by agencies other than FHFA, please see the ombudsman office contact information below.\n\n**Consumer Finance Protection Bureau**\nEnforces federal consumer financial laws at banks, credit unions, and other financial companies\n855-830-7880 or [CFPBOmbudsman@cfpb.gov](mailto:CFPBOmbudsman@cfpb.gov)\n\n**Office of the Comptroller of the Currency**\nCharters and regulates national banks, thrifts, and savings banks\n202-649-5530\n\n**Federal Reserve System**\nSupervises and regulates banking institutions that are members of the Federal Reserve System\n800-337-0429 or [Ombudsman@frb.gov](mailto:Ombudsman@frb.gov)\n\n**Federal Deposit Insurance Corporation**\nRegulates state chartered banks that are not members of the Federal Reserve System\n877-275-3342 or [Ombudsman@fdic.gov](mailto:Ombudsman@fdic.gov)\n\n**National Credit Union Administration**\nRegulates credit unions\n703-518-1175 or [Ombudsman@ncua.gov](mailto:ombudsman@ncua.gov)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62.json b/chunks/json/ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62.json new file mode 100644 index 0000000000000000000000000000000000000000..2d3907fa9ca7c1be5154229adc6e1002dbc70a79 --- /dev/null +++ b/chunks/json/ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1077006,"char_start":1075344,"chunk_id":"chk_fd10e3b326881d65","chunk_index":640,"chunk_sha256":"ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Used to identify sources of data used in\nthe description and analysis of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D\nATA_SOURCE[@DataSourceType='MultipleListingService']\n\n25\n\nEnumerated\n\n136\n\n1\n\n130\n\nIMPROVEMENTS\n\nSource(s) Used for 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the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D\nATA_SOURCE[@DataSourceType='PropertyOwner']\n\n25\n\nEnumerated\n\n139\n\n140\n\n141\n\n142\n\n143\n\n144\n\n145\n\n146\n\n147\n\n148\n\n149\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n133\n\nIMPROVEMENTS\n\nSource(s) Used for Physical\nCharacteristics of Property\nOther\n\nData Source Type\n\nUsed to identify sources of data used in\nthe description and analysis of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D\nATA_SOURCE[@DataSourceType='Other']\n\n25\n\nEnumerated\n\n134\n\nIMPROVEMENTS\n\nSource(s) Used for Physical\nCharacteristics of Property\nOther (describe)\n"} diff --git a/chunks/json/ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d.json b/chunks/json/ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d.json new file mode 100644 index 0000000000000000000000000000000000000000..44d125bed97547c5afe7fe7c4caaaec385f06de9 --- /dev/null +++ b/chunks/json/ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28673,"char_start":27741,"chunk_id":"chk_6750440ccfa88a29","chunk_index":29,"chunk_sha256":"ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d","token_estimate":412,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\n10.000\n\n10.001\n\n10.002\n\n10.003\n\n10.004\n\n10.005\n\n10.006\n\n10.007\n\n10.008\n\n10.009\n\n10.010\n\n10.011\n\n10.012\n\n10.013\n\n10.014\n\n10.015\n10.016\n\n10.017\n\n10.018\n\n10.019\n\n10.020\n10.021\n\n10.022\n\n10.023\n\n10.024\n\n10.025\n\n10.026\n\n10.027\n\n10.028\n\n10.029\n\n10.030\n\n10.031\n\n10.032\n\n10.033\n\n10.034\n\n10.035\n\n10.036\n\n10.037\n\n10.038\n\n10.039\n\n10.040\n\n10.041\n\n10.042\n\n10.043\n\n10.044\n\n10.045\n\n10.046\n\n10.047\n\n10.048\n\n10.049\n\n10.050\n\n10.051\n\n10.052\n\n10.053\n\n10.054\n\n10.055\n\n10.056\n\n10.057\n\n10.058\n\n10.059\n\n10.060\n\n10.061\n\n10.062.1 | 10.062.2\n\n10.033.1 | 10.033.2\n10.044.1 | 10.044.2\n"} diff --git a/chunks/json/ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312.json b/chunks/json/ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312.json new file mode 100644 index 0000000000000000000000000000000000000000..87c38c9113d7925d41bf1771a700a94bf1a04cf0 --- /dev/null +++ b/chunks/json/ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48092,"char_start":46490,"chunk_id":"chk_493419d807d3f3dd","chunk_index":27,"chunk_sha256":"ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Interior and Exterior\nExterior\nNo Inspection\n\n05.021\n\nI personally\nperformed an\nonsite …\n\n05.021\n\nI personally\nperformed an\ninspection of the\nexterior areas …\n\n05.021\n\nI did not\npersonally\nperform an\nonsite …\n\nPredefined text that\ndisplays when\nAppraiser Subject\nProperty Inspection is\nInterior and Exterior\n\nPredefined text that\ndisplays when\nAppraiser Subject\nProperty Inspection is\nExterior\n\nPredefined text that\ndisplays when\nAppraiser Subject\nProperty Inspection is\nNo Inspection\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 24 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\n\nCert 13 (Significant Real Property Appraisal Assistance)\n\nThe predefined text for Cert 13 varies depending on whether there is significant real property appraisal\nassistance, as displayed in the Significant Real Property Appraisal Assistance subsection of Assignment\nInformation (04.041-04.046).\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAppraiser Certifications: Cert 13 (Significant Real Property Appraisal Assistance)\n\n05.024 … No one\nprovided\nsignificant real\nproperty …\n\n05.024 … [Contact\n\nName(s)]\nprovided\nsignificant real\nproperty …\n\n05.025 … [Contact\n\nName(s)]\nprovided\nsignificant real\nproperty …\n\nPredefined text that\ndisplays when there is\nno significant real\nproperty appraisal\nassistance\n\nPredefined text that\ndisplays when there is\nsignificant real\nproperty appraisal\nassistance\n\nPredefined text that\ndisplays when there is\nno significant real\nproperty appraisal\nassistance\n\nFree-form\n"} diff --git a/chunks/json/ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57.json b/chunks/json/ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57.json new file mode 100644 index 0000000000000000000000000000000000000000..ddc6f460a6b2c34dd7d850d24069000274d05152 --- /dev/null +++ b/chunks/json/ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38532,"char_start":36482,"chunk_id":"chk_324a78337e63722e","chunk_index":27,"chunk_sha256":"ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57","token_estimate":513,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"The aforementioned files are available for download and the following instructions illustrate the steps to\ngather these files, the DU Schema Extension and DU wrapper contain updates related to the DU v1.8.2\nSpec:\n\na) Download the MISMO v.3.4 Reference Model (Build 324) which includes the schema and\n\nsupporting files from the Residential Specifications page in the MISMO site:\n\nhttps://www.mismo.org/standards-resources/mismo-product/mismo-version-3-4\n\nDownload the Joint ULAD Schema Extension, the DU Schema Extension, and the DU Wrapper\nfrom the same zip file on the Fannie Mae Technology Integration site:\n\nhttps://singlefamily.fanniemae.com/media/document/zip/fannie-mae-du-schemas\n\nb) Ensure that all these files are located in the same directory and accessible when you validate your\n\nLoan Application Submission file\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n18\n\nChapter 4: Understanding the DU Spec from a Business\nPerspective\nThis chapter includes the following topics:\n\n▪ What information is in the redesigned Form 1003 vs. the DU spec?\n▪ Describing the information contained in the DU Specification\n▪\n\nImplementing ArcRoles in the XML file\n\nThis section will provide business teams with a better understanding of the data needed for DU. For further\ninformation on how to complete the redesigned Form 1003, review the redesigned Form 1003 Instructions\non the URLA Web Page.\n\nWhat Information is in the redesigned Form 1003 vs. the DU Specification?\nThe redesigned Form 1003 has sections populated by the borrower and other sections populated by the\nlender. The DU Spec is sorted in the order of the sections of the redesigned Form 1003 and includes data\nthat is not captured in the form. This additional data is used to support the underwriting of loans submitted\nto DU and DU for Government Loans (DUG). The data that is not on the form is identified in the DU Map\ntab with “Not on Form” in the form field name column. Keep in mind, not every data point on the\nredesigned Form 1003 is included in the DU Spec.\n"} diff --git a/chunks/json/ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e.json b/chunks/json/ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e.json new file mode 100644 index 0000000000000000000000000000000000000000..395efc6f2346c128f0c90ea33c028590eedf5645 --- /dev/null +++ b/chunks/json/ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13074,"char_start":12554,"chunk_id":"chk_42ad4e27d87ddf49","chunk_index":7,"chunk_sha256":"ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e","token_estimate":130,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf","below_target_min_tokens"]},"text":"Miscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various messages will be updated.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an\nIntegration Impact Memo will be posted on the Technology Integration page.\n\n© 2025 Fannie Mae.\n\n3.19.25\n\n4 of 4\n"} diff --git a/chunks/json/ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04.json b/chunks/json/ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04.json new file mode 100644 index 0000000000000000000000000000000000000000..4d661eaccab8add31dda7699748a99585c2e416e --- /dev/null +++ b/chunks/json/ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1682,"char_start":0,"chunk_id":"chk_3025cfff8fc258a5","chunk_index":0,"chunk_sha256":"ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a4ed654e410272cd","text_sha256":"ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04","token_estimate":499,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/link_p1zim.md"]},"text":"---\nsource_url: \"https://twitter.com/FHFA\"\ndate_accessed: \"2026-01-27T17:47:50.530Z\"\n---\n\nbody { -ms-overflow-style: scrollbar; overflow-y: scroll; overscroll-behavior-y: none; } .errorContainer { background-color: #FFF; color: #0F1419; max-width: 600px; margin: 0 auto; padding: 10%; font-family: Helvetica, sans-serif; font-size: 16px; } .errorButton { margin: 3em 0; } .errorButton a { background: #1DA1F2; border-radius: 2.5em; color: white; padding: 1em 2em; text-decoration: none; } .errorButton a:hover, .errorButton a:focus { background: rgb(26, 145, 218); } .errorFooter { color: #657786; font-size: 80%; line-height: 1.5; padding: 1em 0; } .errorFooter a, .errorFooter a:visited { color: #657786; text-decoration: none; padding-right: 1em; } .errorFooter a:hover, .errorFooter a:active { text-decoration: underline; } #placeholder, #react-root { display: none !important; } body { background-color: #FFF !important; } # JavaScript is not available.\n\nWe’ve detected that JavaScript is disabled in this browser. Please enable JavaScript or switch to a supported browser to continue using x.com. You can see a list of supported browsers in our Help Center.\n\n[Help Center](https://help.x.com/using-x/x-supported-browsers)\n\n[Terms of Service](https://x.com/tos) [Privacy Policy](https://x.com/privacy) [Cookie Policy](https://support.x.com/articles/20170514) [Imprint](https://legal.twitter.com/imprint.html) [Ads info](https://business.twitter.com/en/help/troubleshooting/how-twitter-ads-work.html?ref=web-twc-ao-gbl-adsinfo&utm_source=twc&utm_medium=web&utm_campaign=ao&utm_content=adsinfo) © 2026 X Corp. Something went wrong, but don’t fret — let’s give it another shot.\n"} diff --git a/chunks/json/ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf.json b/chunks/json/ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf.json new file mode 100644 index 0000000000000000000000000000000000000000..ecda1c36befa9ab58808d11dd65a44bb6078fb7f --- /dev/null +++ b/chunks/json/ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11559,"char_start":9921,"chunk_id":"chk_e25c5cc44332c9fe","chunk_index":6,"chunk_sha256":"ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf","token_estimate":407,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"A\nP\nP\nR\nO\nA\nC\nH\n\nI\nN\nC\nO\nM\nE\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\nTotal Bdrms. Baths Total Bdrms. Baths\n\nTotal Bdrms. Baths\n\nTotal Bdrms. Baths\n\nsq. ft.\n\nsq. ft.\n\nsq. ft.\n\nsq. ft.\n\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nSummary of Sales Comparison Approach\n\n-\n\n+\nNet Adj. %\nGross Adj. %\n\n$\n\n$\n\n-\n\n+\nNet Adj. %\nGross Adj. %\n\n$\n\n$\n\n-\n\n+\nNet Adj. %\nGross Adj. %\n\n$\n\n$\n\nIndicated Value by Sales Comparison Approach $\n\nEstimated Monthly Market Rent $\nSummary of Income Approach (including support for market rent and GRM)\n\nX Gross Rent Multiplier = $\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nIndicated Value by: Sales Comparison Approach $\n\nIncome Approach (if developed) $\n\nAppraisal Assignment type: l Subject Property Data Collection Date:\nSubject Property Data Collection Method: I Subject Property Data Collection Workforce:\nThis appraisal is made\ncompleted,\nthe following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair:\n\nsubject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or\n\nsubject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\n\n“as is”,\n\nsubject to\n\nBased on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as\ndefined, of the real property that is the subject of this report is\n$\n\n, the effective date of this appraisal.\n"} diff --git a/chunks/json/ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27.json b/chunks/json/ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27.json new file mode 100644 index 0000000000000000000000000000000000000000..c0a81ac749394d0b84226eacfab59b38beb7e79f --- /dev/null +++ b/chunks/json/ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9410,"char_start":8892,"chunk_id":"chk_c1c3b7a5e6ca44ab","chunk_index":5,"chunk_sha256":"ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_add64810cae012ee","text_sha256":"ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27","token_estimate":130,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-3 Completion Report with Codes.pdf","below_target_min_tokens"]},"text":"TXC-NP\n\nH2\n\nAdditional Supervisory Appraiser Certifications\n\nTXC-I\nTXC-NP\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\nH1\n\nSignature\n\nTX-B\n\n[Role]\n\nSIG\nSIG-B\n\n[Contact Name]\n\nDate of Signature and Report\n\nTXR-B\n\nTXR-B\n\nLevel\nID\nState\nExpires\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5.json b/chunks/json/ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5.json new file mode 100644 index 0000000000000000000000000000000000000000..058d9252e60b063e9a583bd10cedfc0e9484d621 --- /dev/null +++ b/chunks/json/ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_94a83e110e044c42","chunk_index":0,"chunk_sha256":"ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f0c3efa89baf5f0f","text_sha256":"ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Executive_Compensation___FHFA_qu969f.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/executive-compensation\"\ndate_accessed: \"2026-01-27T17:54:20.434Z\"\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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c.json b/chunks/json/ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c.json new file mode 100644 index 0000000000000000000000000000000000000000..844976d834cc893fcb988bf8a97de85ea879a46b --- /dev/null +++ b/chunks/json/ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15217,"char_start":13728,"chunk_id":"chk_950aa0252cc2766c","chunk_index":8,"chunk_sha256":"ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca1db67b9626334c","text_sha256":"ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__3lunn.md"]},"text":"[Housing Goals Proposed Rule Model Paper: The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals](/sites/default/files/documents/Market-Estimates_2022-2024.pdf)\n\n**Archive Rule Documents**\n\nRule Year Proposed Rule Final Rule 2021 [Federal Register](https://www.federalregister.gov/documents/2020/08/13/2020-15959/2021-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2020/12/21/2020-28083/2021-enterprise-housing-goals) 2018-2020 [Federal Register](https://www.federalregister.gov/documents/2017/07/07/2017-14286/2018-2020-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2018/02/12/2018-02649/2018-2020-enterprise-housing-goals) 2015-2017 [Federal Register](https://www.federalregister.gov/documents/2014/09/11/2014-21118/2015-2017-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2015/09/03/2015-20880/2015-2017-enterprise-housing-goals)\n\n**​Enterprise Reports**\n\n[Fannie Mae Housing Goal Annual Housing Activity Reports and Determinations](/programs/affordable-housing/enterprise-housing-goals/fannie-mae)\n[Freddie Mac Housing Goal Annual Housing Activity Reports and Determinations](/programs/affordable-housing/enterprise-housing-goals/freddie-mac)\n\n**Group Homes Letters**\n\n[Fannie Mae](/sites/default/files/2024-02/Group-Homes-Fannie-Mae-2252016.pdf)\n[Freddie Mac](/sites/default/files/2024-02/Group-Homes-Freddie-Mac-2252016.pdf)\n"} diff --git a/chunks/json/ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1.json b/chunks/json/ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1.json new file mode 100644 index 0000000000000000000000000000000000000000..a044d7efd98ac5bc34cefe500836e9240a27dbc3 --- /dev/null +++ b/chunks/json/ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21760,"char_start":18683,"chunk_id":"chk_92aa9675d9b29633","chunk_index":10,"chunk_sha256":"ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1","token_estimate":948,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/20001\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f.json b/chunks/json/eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f.json new file mode 100644 index 0000000000000000000000000000000000000000..c2a5e403940cf318fd7ef05279796fce1828a0f9 --- /dev/null +++ b/chunks/json/eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1614,"char_start":0,"chunk_id":"chk_ceafc5bb142f9842","chunk_index":0,"chunk_sha256":"eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_06e93c91bdb5a95e","text_sha256":"eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-0.pdf"]},"text":"Loan Servicing Data Utility (LSDU) 2.0 Release Notes\n\nOctober 12, 2018\n\nEffective October 12, 2018, the LSDU 2.0 release will be implemented to support new\nfunctions. This release contains functional and technical system enhancements, and will\nremediate defects associated with previous releases. The changes include:\n\n Enhancement to provide ability to submit a payment (LAR96) transaction\n Enhancements supporting the Help feature\n Enhancements for additional data and naming conventions\n Defect Remediation\n\nEnhancement to provide ability to submit a payment (LAR96) transaction\n\nLSDU functionality is being updated to enable Servicers the ability to submit payment (LAR96)\ntransactions. Users with the External Update role will have this ability. The payment\ntransactions will be available in Current LAR Information tab of the Loan Details screen. Please\nrefer to the User Guide for more information on how to submit the payment transaction.\n\nEnhancements supporting the Help feature\n\nLSDU functionality is being updated to enable the Help feature in the header of the screen. The\nfollowing features have been added to Help:\n\n User Guide: The latest User Guide will be available when the user clicks the Help\n\nfeature.\n\n eLearning: The online eLearning training will be available when the user clicks the Help\n\nfeature.\n\n Data Dictionary: The latest Data Dictionary will be available when the user clicks the\n\nHelp feature.\n\nEnahncements for additional data and naming conventions\n\nLSDU functionality is being updated to add new attributes to the applications. The following\nattributes have been added:\n"} diff --git a/chunks/json/eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d.json b/chunks/json/eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d.json new file mode 100644 index 0000000000000000000000000000000000000000..dc46bd8ca3e9e4e94cde5d15807c4bf13e4a500e --- /dev/null +++ b/chunks/json/eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41427,"char_start":39819,"chunk_id":"chk_daa6e115fb223b4a","chunk_index":32,"chunk_sha256":"eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Always displays\n\nWhen ValuationScopeOfWorkDescription (UID: 2200.0065, FID: 05.003) is provided AND ValuationAdditionalScopeOfWorkIndicator = \"true\"\n\n• Display sub-header: Additional Scope of Work (FID: 05.002)\n• Display in italics below sub-header: Additional Scope of Work cannot be contrary to the original Scope of Work.\n• Display the text from ValuationIntendedUseDescription (UID: 2200.0065, FID: 05.003) and deliver in XML.\n\nIntended Use\n\nThe Intended Use subsection always displays.\n\nPage 39\n\nReport\nField ID\n\n05.004\n\nIntended Use Text\n\nText Conditionality\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for\nthe intended user to evaluate the property that is the subject of this appraisal for a\nmortgage finance transaction or related activities.\n\nAlways displays\n\n05.005\n\nThe intended use of the appraisal is solely to assist FHA in assessing the risk of the Property\nsecuring the FHA-insured Mortgage (24 CFR § 200.145(b)).\n\nDisplay descriptive text when\nGovernmentAgencyAppraisalType (UID:\n1000.0121, FID: 05.009) = \"FHA\" and\nthe original appraisal is for a purchase\nor refinance transaction\n\nWhen ValuationIntendedUseDescription (UID: 2200.0009, FID: 05.007) is provided AND GovernmentAgencyAppraisalType = \"FHA\"\n\n• Display sub-header: Additional Intended Use (FID: 05.006)\n• Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use.\n• Display the text from ValuationIntendedUseDescription (UID: 2200.0009, FID: 05.007) and deliver in XML.\n\nIntended User\n\nThe Intended User subsection always displays.\n"} diff --git a/chunks/json/eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f.json b/chunks/json/eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f.json new file mode 100644 index 0000000000000000000000000000000000000000..308d0b64b9e413d271812a911af6e811937c5bcc --- /dev/null +++ b/chunks/json/eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":258525,"char_start":256927,"chunk_id":"chk_e1f071872c4064a7","chunk_index":135,"chunk_sha256":"eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. FEE_DETAIL groups the following data points:\n\na. All property title-related enumerations for FeeType begin with “Title-“ in MISMO v3.3.0.\n\nb. @DisplayLabelText is included as an attribute of each FeeType and is the actual representation of the\n\nFee Type value rendered on the form. See @ GSE:DISPLAY LABEL TEXT in Section V.\n\nc.\n\nIntegratedDisclosureSectionType is included with each line item to associate FeeType with the correct\nsubcategory of the Loan Costs table.\n\nd. FeePaidToType is only needed for 7.2.1 and 7.3.2 to categorize the entity receiving the fee payment and\n\nto identify broker or lender affiliates in support of ATR/QM.\n\ne. RegulationZ PointsAndFeesIndicator must be included for every charge in support of ATR/QM except 7.2\n\nPoints.\n\n2 . FEE_PAYMENT groups the data points detailing when the fee is paid (At or Before Closing) and by whom\n(Borrower, Seller, or Others). FEE_PAYMENT repeats as needed for each of these five columns. The value\nof FeePaymentPaidOutsideClosingIndicator is used with the Borrow-Paid and Seller-Paid columns to\nindicate whether the payment was made At Closing (false) or Before Closing (true). See I NDI CATORS /\nENUMERATIONS\n\n3.\n\n(YES O R NO / CHECKBOXES)in Section V.\n\nAppendix E: UCD Implementation Guide\n\nPage 117 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\n7. 5 SERVI CES BORROWER DI D NOT SHOP FOR\n\nFigure 78 illustrates an example of services required by the creditor for which the borrower did not shop. Row\n05 shows that all costs paid to a title company must be represented on the form with the prefix “Title-”.\n"} diff --git a/chunks/json/eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3.json b/chunks/json/eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3.json new file mode 100644 index 0000000000000000000000000000000000000000..942bbfc9bca935ac7c7f4a2a2c87182d5a80283f --- /dev/null +++ b/chunks/json/eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11919,"char_start":10220,"chunk_id":"chk_7dfe2f858667aaab","chunk_index":6,"chunk_sha256":"eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3","token_estimate":425,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 7 of 22\nPage 7 of 22\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\n1-5 years\n\nFully Updated\n\n1-5 years\n\nFully Updated\n\n1-5 years\n\nQuality Comment\nGE Monogram\nappliances and\nhardwood painted\ncabinets.\n\nTile shower and custom\nvanity, owners utilized\ncustom designer for tile\nwork.\n\nTile shower and custom\nvanity.\n\nCondition Status\nNew or Like New\n\nCondition Comment\nAdd comment if\nneeded.\n\nTypical Wear and Tear\n\nAdd comment if\nneeded.\n\nNew or Like New\n\nBathroom rarely used,\nshows nicely.\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nQuality Comment\nWool carpeting.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAll floors were updated at the\nsame time as other interior\nwork was performed.\n\nTypical ceramic tile.\n\nTypical Wear and Tear\n\nNo adverse conditions noted.\n\nAdd comment if needed.\n\nDamaged and Functional\n\nSome areas of peeling paint.\n\nSignificantly Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nWalls and Ceiling\n\nLocation\nBedroom\n\nDescription\nPeeling paint was observed in one of the\nbedrooms of unit. Appears to be typical\ndeferred maintenance.\n"} diff --git a/chunks/json/eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78.json b/chunks/json/eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78.json new file mode 100644 index 0000000000000000000000000000000000000000..9c920f9683b2157be9269e57786d70de19ccfe8b --- /dev/null +++ b/chunks/json/eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78.json @@ -0,0 +1 @@ +{"chunk":{"char_end":555973,"char_start":554367,"chunk_id":"chk_11d10906905873a9","chunk_index":330,"chunk_sha256":"eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Cooling System\nExists 8.051\n\nDwelling Exterior, for\neach dwelling\n•\n\nCooling System\nType 8.051\n\nAdditional Row does not\npopulate from other\nsections; the appraiser\nmust enter information\nfor the subject property\n\nIf there are multiple dwellings, Heating System Type (and Heating\nSystem Fuel if known) displays for each of them in the same row.\n\nYes\n22.05.52\n\nCooling System Exists: Indicates whether there is permanent cooling in\nthe structure.\n•\n\nIf No, “None” displays.\n\nYes\n22.05.52\n\n•\n•\n•\n\nCentralized\nIndividual\nOther (Describe)\n\nIf there are multiple dwellings, Cooling System Type displays for each of\nthem in the same row.\n\nYes\n22.05.54\n\nAdditional Row\nThis row displays on the sales comparison grid when an additional data\nelement relevant to the Dwelling(s) subsection is needed that is not\npredefined.\n\nNote: Only put one data element in each row and add additional rows as\nneeded for other data elements.\n\nAppendix F-1: URAR Reference Guide\n\nPage 243 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nEnergy Efficient and Green Features\n\nThe Energy Efficient and Green Features subsection displays on the sales comparison grid if relevant to analysis and conclusions.\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Energy Efficient and Green Features\n\nIf relevant\n\nYes\n22.06.04\n\nAny adjustment for the Energy Efficient and Green Features subsection\nis made in this row.\n\nReport\nField ID\n\n22.06.04\n"} diff --git a/chunks/json/eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc.json b/chunks/json/eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc.json new file mode 100644 index 0000000000000000000000000000000000000000..be8b32078dbf437737eb4b565f2118076ea59088 --- /dev/null +++ b/chunks/json/eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25747,"char_start":24595,"chunk_id":"chk_4743cf7cd3f7f7e2","chunk_index":26,"chunk_sha256":"eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc","token_estimate":435,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nManufactured Home\n\nManufacturer Name\nYear Installed\nMoved Since Original Installation\n\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:19)\n\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:20)\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:21)\n\nAttached to Permanent\nFoundation\nTowing Hitch, Wheels, Axles\nRemoved\nManufactured Home Width\nSkirting\n\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:22)\n\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:23)\n\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:24)\n\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:25)\n\nYes No\nHave there been any modifications, attachments, or additions that rely on or have altered the original structure for support? (cid:133) (cid:133)\n(cid:28)(cid:17)(cid:19)(cid:19)(cid:26)(cid:3)\nModification, Attachment, or Addition (cid:28)(cid:17)(cid:19)(cid:19)(cid:27)\n\nDescription of Modification, Attachment, or Addition (cid:28)(cid:17)(cid:19)(cid:19)(cid:28)\n\nHUD Data Plate\n\nHUD Data Plate Attached\nDate of Manufacture\nSerial Number\n\nHUD Certification Label\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:19)\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:20)\n"} diff --git a/chunks/json/eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73.json b/chunks/json/eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73.json new file mode 100644 index 0000000000000000000000000000000000000000..43da31b6aa91f5c47b3b6ca7586c30a17c90ea13 --- /dev/null +++ b/chunks/json/eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44992,"char_start":43377,"chunk_id":"chk_8a0e464ed54034b4","chunk_index":19,"chunk_sha256":"eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"▪ The VIEW container holds a complete, standalone, visual representation\n\nof the CD.\n\n▪ VIEW_FILE contains the data points used to compose the view of the CD.\n\n999.465\n\nFOREIGN_OBJECT\n\nIn the UCD file, holds non-XML content using EmbeddedContentXML. The\ncontent is a base 64-encoded pdf file of the CD.\n\n999.468 |\n999.469 |\n999.470\n\nDOCUMENT_CLASSIFICATION/\nDOCUMENT_CLASSES/DOCUMENT_CLASS\n\n▪ Holds containers describing the document supported by the XML data.\n\n▪ DOCUMENT_CLASSES groups one or more sets of data points identifying\n\nthe document.\n\n▪ For UCD v2.0, only one instance of DOCUMENT_CLASS is needed to\n\nidentify the form.\n\nN O T E : Because UCD v2.0 does not support submission of a SMARTDoc®, the AUDIT_TRAIL structure under DOCUMENT\nhas been omitted.\n\nUCD v2.0 Implementation Guide\n\n- 9 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nThe following graphic illustrates the hierarchy of the containers identified in Table 4, using the same color scheme. The\nconcept here is that all of the information—discrete data points, file submitter, embedded pdf file and type of CD form—\nare about the same “document,” a specific CD.\n\nFigure 4. Highest Level View of XML File Structure.\n\nA. XML FILE METADATA AND EMBEDDED CD PDF FILE\n\n1. XML FILE STRUCTURE OVERVIEW\n\nThe UCD v2.0 XML file begins with containers holding child containers, data points and attributes to:\n\na.\n\nIndicate MESSAGE as the “root” of the XML file—its starting point.\n\nb. Define proprietary sets of data (namespaces “xmlns:”) to be used with MISMO v3.3.0 without error (xmlns:gse)\n\nand with schema validation (xmlns:ucd).\n"} diff --git a/chunks/json/eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a.json b/chunks/json/eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a.json new file mode 100644 index 0000000000000000000000000000000000000000..3d09fbf075e2d278d2dcfc97e68d1d792d2b523b --- /dev/null +++ b/chunks/json/eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8354,"char_start":6696,"chunk_id":"chk_3546fa6cea2c4ac7","chunk_index":4,"chunk_sha256":"eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"5\n\nFor refinance transactions, either investment or a 2-4 unit primary residence, the amount of the gross\nrental income is entered in section “3a. Property You Own”. The lender will calculate the net monthly\nrental income and included it in the loan application submission file in data point\n“OwnedPropertyRentalIncomeNetAmount” (UID 5.0239).\n\nDU will use the Gross Rental Income or Net Rental Income entered for borrower’s two- to four-unit current\nresidence in the REO section of the loan application for the DTI ratio calculation. When Net Rental Income\nis entered, that amount will be used for the DTI ratio calculation. If only Gross Rental Income is provided,\nDU will use 75% of the Gross Rental Income for the DTI ratio calculation. For the specific scenarios of\ntwo-to-four unit Primary Residence see the following question.\n\n8. How is Rental Income from a two- to four-unit Primary Residence entered into DU to make\n\nsure the Debt-To-Income (DTI) calculation is correct?\n\nRental income is the amount of money derived from the units that are not occupied by the borrower.\nThe following covers two possible scenarios.\n\nScenario 1 – A four-unit primary residence (which is the subject property) has rental income\nfrom the additional units is being refinanced. There is a second home owned by the borrower.\n\nThe property that is being refinanced is placed in Section 3a. of the redesigned URLA.\nThe borrower will provide the Gross Rental Income, and the lender should calculate\nand enter the Net Rental Income as shown below. DU will use 75% of the Gross\nRental Income to determine the Net Rental Income if the lender does not provide this\ninformation.\n"} diff --git a/chunks/json/eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce.json b/chunks/json/eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce.json new file mode 100644 index 0000000000000000000000000000000000000000..9df5b81094051c0ffa8a632ba60dc4eac3ed1eb3 --- /dev/null +++ b/chunks/json/eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3871,"char_start":2101,"chunk_id":"chk_f2580bb0daa3b091","chunk_index":1,"chunk_sha256":"eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce","token_estimate":443,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"Mar 4\n\nNEW\n\nEdit Updates\n\n7.6.10\n\nEdits related to Note Rate changing severity\n\nULAD-\nMISMO 3.4\n\n•\n\n3 edits changing severity from Warning to\nFatal\n\nEdits related to Note Rate changing severity\n\nULDD-\nMISMO 3.0\n\n•\n\n3 edits changing severity from Warning to\nFatal\n\nMar 25\n\nULDD Phase 5\n\nTo support the first implementation of ULDD phase 5,\nEarlyCheck will introduce\n\nULDD-\nMISMO 3.0\n\n• Modify 5 fatal edits\n\n•\n\nEdit updates\n\no New informational edits around Appraisal\nand Temporary Buydown Amount\no Updates to some existing edits around\n\nAppraisal\nFile Validation Rule updates\n\n•\n\no Update existing file validation rules WN3380,\nWN3390, WN3270, and WN3280 to ensure\ndata integrity around Servicing transfer date,\nAppraisal, and Buydown\nFor more information, see the ULDD webpage.\n\n• Modify 2 warning edits\n\n•\n\n4 new informational edits\n\n• Updates to 4 File validation rules\n\n© 2025 Fannie Mae\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nMar 25\n\nEdit Updates\n\n7.6.11\n\nDescription\n\nFile\nType\n\nImpact\n\nOne new informational edit to validate Automated\nUnderwriting System (D284 to replace C32)\n\nULAD-\nMISMO 3.4\n\n•\n\n1 new informational edit\n\nULDD-\nMISMO 3.0\n\n• Modify 8 edits – 5 fatal, 3 warning\n\n•\n\n8 new edits – 5 informational, 3 warning\n\nULDD-\nMISMO 3.0\n\n•\n\n3 new observational edits\n\nULDD Phase 5 edits – see above for details\nNew warning edits to validate Down Payment, Duty to\nServe Program, and one new informational edit to\nvalidate Automated Underwriting System (D284 to\nreplace C32)\n\nIn support of the updates announced for the Mission\nIndex earlier this year, Fannie Mae is enhancing\nEarlyCheck to help lenders evaluate their loans based on\nthe Mission Index values. Three new observational edits\nwill be added to EarlyCheck to display the loan-level\nMission Score.\n"} diff --git a/chunks/json/eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d.json b/chunks/json/eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d.json new file mode 100644 index 0000000000000000000000000000000000000000..e96abdcf2ccc9417caf938d02b7a3055a2e74bd3 --- /dev/null +++ b/chunks/json/eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":349330,"char_start":347564,"chunk_id":"chk_3c8236bd2a85df60","chunk_index":193,"chunk_sha256":"eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"See Selling Guide B4-2.1-02, Waiver of Project Review for additional information and for the requirements that apply when a\nproject review is waived.\n\nRequirements Applicable to All Properties in a Condo, Co-op, or PUD Project\n\nAll mortgages secured by units in condo, co-op, or PUD projects must comply with the following:\n\nrequirements specific to the project review method used to determine that project’s eligibility;\n\n•\n• property eligibility requirements (described in Chapter B2-3, Property Eligibility);\n• priority of common expense assessments (described below); and\n• when an appraisal of the property is obtained, it must meet all applicable appraisal requirements (described in Selling\n\nGuide Chapter B4-1, Property Assessment and Valuation).\n\nPriority of Common Expense Assessments\n\nFannie Mae allows a limited amount of regular common expense assessments (typically known as HOA fees) to have priority over\nFannie Mae’s mortgage lien for mortgage loans secured by units in a condo or PUD project. This applies if the condo or PUD\nproject is located in a jurisdiction that has enacted\n\n•\n•\n•\n\nthe Uniform Condominium Act,\nthe Uniform Common Interest Ownership Act, or\na similar statute that provides for unpaid assessments to have priority over first mortgage liens.\n\nThe table below describes the permitted priority of common expense assessments for purposes of determining the eligibility of a\nmortgage loan secured by a unit in a condo or PUD project for purchase by Fannie Mae.\n\nIf the condo or PUD project...\n\nThen...\n\nis located in a jurisdiction that enacted a law on or before\nJanuary 14, 2014, that provides that regular common\nexpense assessments will have priority over Fannie Mae’s\nmortgage lien for a maximum amount greater than six\nmonths,\n"} diff --git a/chunks/json/eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837.json b/chunks/json/eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837.json new file mode 100644 index 0000000000000000000000000000000000000000..6733f9ab41ab40afde162340ca07e05c7e585e85 --- /dev/null +++ b/chunks/json/eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27800,"char_start":26202,"chunk_id":"chk_614b7a572a4842d1","chunk_index":16,"chunk_sha256":"eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Sales Contract (continued)\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nSales contract is a reasonable and a typical arm’s length sale. A fully executed copy of the contract was provided by the lender and anlayzed by\nthe appraiser.\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nTransfer Terms\nTypically Motivated\n\nDate\n01/24/2013\n\nAmount\n$600,000\n\nData Source\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Since the prior sale, the kitchen has been updated with new counter tops,\nnew appliances, and new lighting fixtures. And the primary bathroom on the first floor was fully updated and upgraded.\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nData Source\nMLS\n\nDate\n02/23/2015\n\nAmount\n$677,250\n\n2\n\n3\n\nDeed Transfer Only\n\nNon-MLS Sale\n\n04/13/2017\n\n04/05/2015\n\nNot Disclosed\n\nNot Disclosed\n\nAssessor Record\n\nAssessor Record\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comp#1: Kitchen and Bathrooms have been upgraded and updated since\nthe last sale.\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 16 of 22\nPage 16 of 22\n"} diff --git a/chunks/json/eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76.json b/chunks/json/eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76.json new file mode 100644 index 0000000000000000000000000000000000000000..529cb88fee3835fb38907d928862f8df48572994 --- /dev/null +++ b/chunks/json/eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76.json @@ -0,0 +1 @@ +{"chunk":{"char_end":190367,"char_start":188712,"chunk_id":"chk_22c3fe9528f4a3a4","chunk_index":191,"chunk_sha256":"eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 130\n\n• Broadband Internet Available – BroadbandInternetAvailableIndicator (FID: 1500.0166, FID: 4.067)\n\no Always displays\n\n• Dwelling/Improvement within Utility Easement – ImprovementInBoundaryOfEasementIndicator (UID: 1500.0007, FID: 4.068)\n\no Displays when EasementType = \"Utility\" AND GovernmentAgencyAppraisalIndicator (UID: 1000.0122, FID: Not on report) = \"true\"\n\n• Public/Private – required for each utility indicated\n\no When SiteUtilityOwnershipType (UID: 1500.0102, FID: 4.070, 4.076, 4.082, 4.088, 4.094) = “Public”, a check mark displays under\n\nPublic\n\no When SiteUtilityOwnershipType (UID: 1500.0102, FID: 4.071, 4.077, 4.083, 4.089, 4.095) = “NonPublic”, a check mark displays under\n\nPrivate\n\no When both are indicated, display in the same row with check marks under Public and Private\n\n• Detail – when SiteUtilityOwnershipType = “NonPublic”, additional information is required.\n\no\n\nElectricity\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n▪ When UtilityType (UID: 1500.0104, FID: 4.069) = “Electricity”:\n\n• ElectricitySourceType (UID: 1500.0106, FID: 4.072), displays the enumerated value\n\nIf there are multiple electricity source types , separate by a “|”\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.072) = “true”, display ElectricitySourceType followed by “(Shared)”, in\n\nsame cell.\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.072) = “false”, does not display\n\nPage 131\n\no Gas\n\n▪ When UtilityType (UID: 1500.0104, FID: 4.075) = “Gas”:\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.078) = “true”, display “(Shared)”\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.078) = “false”, do not display\n"} diff --git a/chunks/json/eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175.json b/chunks/json/eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175.json new file mode 100644 index 0000000000000000000000000000000000000000..ff3a7d7333e29ed0824538285be31afdc1f29cae --- /dev/null +++ b/chunks/json/eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175.json @@ -0,0 +1 @@ +{"chunk":{"char_end":292228,"char_start":290606,"chunk_id":"chk_6f7f54ab2407624e","chunk_index":252,"chunk_sha256":"eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 14 - 1\n\n- For each Amenity Category (AmenityCategoryType) indicated, a Subject Property Amenity (AmenityType) is required. (Figure 14 - 2)\n\nFigure 14 - 2\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nAmenity Category/Amenity Type\n\nUnique ID\n\nSubject Property Amenities: General Information\n\nMISMO Data Point\nName\n\nDisplay Rules\n\n14.001\n\nOutdoor Accessories\n\n0200.0016\n\nAmenityCategoryType\n\n14.002\n\nFence\n Irrigation System\n Outdoor Fireplace\n Outdoor Kitchen\n Outdoor Riding Ring\n Sports Court\n\n0200.0007\n\nAmenityType\n\nDisplay “Outdoor Accessories” when PropertyAmenityExistsIndicator = “true” AND\n(AmenityType = \"Fence\" OR \"IrrigationSystem\" OR \"OutdoorFireplace\" OR\n\"OutdoorKitchen\" OR \"OutdoorRidingRing\" OR \"SportsCourt\")\n\nWhen AmenityCategoryType = “OutdoorAccessories”, display the amenity type\n(AmenityType = “Fence” OR “IrrigationSystem” OR “OutdoorFireplace” OR\n“OutdoorKitchen” OR\n “OutdoorRidingRing” OR “SportsCourt”)\n\n14.001\n\nOutdoor Living\n\n0200.0017\n\nAmenityCategoryType\n\nDisplay “Outdoor Living” when PropertyAmenityExistsIndicator = “true” AND\n(AmenityType = \"Balcony\" OR \"Deck\" OR \"Gazebo\" OR \"Patio\" OR \"Porch\" OR \"Portico\")\n\nPage 222\n\n14.002\n\nBalcony\n Deck\n Gazebo\n Patio\n Porch\n Portico\n\n0200.0023\n\nAmenityType\n\nWhen AmenityCategoryType = “OutdoorLiving”, display the amenity type\n(AmenityType = “Balcony” OR “Deck” OR “Gazebo” OR “Patio” OR “Porch” OR “Portico”\n\n14.001\n\nWater Features\n\n0200.0027\n\nAmenityCategoryType\n\nDisplay “Water Features” when PropertyAmenityExistsIndicator = “true” AND\n(AmenityType = \"IngroundPool\" OR \"IngroundSpa\" OR \"OutdoorShower\" OR \"Sauna\")\n"} diff --git a/chunks/json/eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632.json b/chunks/json/eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632.json new file mode 100644 index 0000000000000000000000000000000000000000..d949bc53ed301e468eb3e3a3f267c0272f58a558 --- /dev/null +++ b/chunks/json/eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632.json @@ -0,0 +1 @@ +{"chunk":{"char_end":363561,"char_start":361868,"chunk_id":"chk_b5b530a5f6412da0","chunk_index":294,"chunk_sha256":"eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Examples:\n\n•\n\nIf there is no sales contract (SalesContractExistsIndicator (UID: 0600.0016, FID: 20.000) = \"false\"), or it was not reviewed by the\nappraiser (SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001) = \"false\"), the following cells display a dash for the\nsubject property to show that the information is not applicable for this appraisal.\n\nPage 278\n\n• Contract Price (if the row is included in the sales comparison approach)\n• Sales Concessions\n• Contract Date\n\n▪ Comp #3 has a water feature, specifically an inground pool. Neither the subject nor the comps have any Water Features.\n\n•\n\nIn this case the Subject and Comps 1 and 2 display an em dash to show that Water Features is not applicable for the subject or\ncomparables 1 and 2. (Figure 22 - 2)\n\nFigure 22 - 2\n\nAdditional Rows\n\nAdditionalComparisonLineItemIdentifier\n\nSeveral subsections in the Sales Comparison Approach allow for extra rows to be added. The AdditionalComparisonLineItemIdentifier must\nbe delivered when an additional row has been added and must be a unique label for each additional row in the Sales Comparison Approach.\nThe same unique label must be delivered using AdditionalComparisonLineItemIdentifier (UID Subject-1800.0300; UID Comp-1800.0319) for\nall properties (subject and all comparables).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 279\n\n• General Information (FID: 22.01.14)\n• Site (FID: 22.03.16)\n• Dwelling(s) (FID: 22.05.18)\n• Unit(s) (FID: 22.07.15)\n• Vehicle Storage (FID: 22.13.02)\n• Outbuilding (FID: 22.14.12)\n\nA description must be provided using AdditionalComparisonLineItemDescription (UID Subject - 1800.0301; UID Comp - 1800.0306) for each\ncomparable and the subject.\n"} diff --git a/chunks/json/eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f.json b/chunks/json/eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f.json new file mode 100644 index 0000000000000000000000000000000000000000..35aebe4a54a6ccee9a8d96b681fd22dab43246d0 --- /dev/null +++ b/chunks/json/eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56957,"char_start":55945,"chunk_id":"chk_14cfb6bb04f9f4db","chunk_index":33,"chunk_sha256":"eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f","token_estimate":253,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"9. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\nAdditional Supervisory Appraiser Certifications\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\nSignature\n\n[Role]\n\n[Contact Name]\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8.json b/chunks/json/eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8.json new file mode 100644 index 0000000000000000000000000000000000000000..5d1b0a36f6dd5f9dfd3eb4b261bddcf4c58b59f5 --- /dev/null +++ b/chunks/json/eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":74454,"char_start":73978,"chunk_id":"chk_adb278aba29be816","chunk_index":121,"chunk_sha256":"eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8","token_estimate":445,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Intended Use ............................................................................................................................................................................................................................ 364\n\nIntended User ........................................................................................................................................................................................................................... 365\n"} diff --git a/chunks/json/eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d.json b/chunks/json/eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d.json new file mode 100644 index 0000000000000000000000000000000000000000..afe93dd067a6a9f77fdb37abe3f8588eca86d428 --- /dev/null +++ b/chunks/json/eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36760,"char_start":34361,"chunk_id":"chk_284de6381b539280","chunk_index":21,"chunk_sha256":"eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d","token_estimate":599,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 22\nPage 18 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 22\nPage 19 of 22\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$775,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$765,000\n$775,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n60-90 days\n09/08/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 22\nPage 20 of 22\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"} diff --git a/chunks/json/eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09.json b/chunks/json/eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09.json new file mode 100644 index 0000000000000000000000000000000000000000..53c28fb1f0fb0dcb63d8a7daf2e8e7c5abbf6114 --- /dev/null +++ b/chunks/json/eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09.json @@ -0,0 +1 @@ +{"chunk":{"char_end":102723,"char_start":100949,"chunk_id":"chk_e0c172bc178e431a","chunk_index":53,"chunk_sha256":"eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09","token_estimate":444,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"10.263\n\nClosingAdjustmentItemPaidOutsideOfClosingIndicator\n\nfalse\n\n10.140\n\nClosingAdjustmentItemType\n\nOther\n\n10.135\n\nClosingAdjustmentItemOtherDescription\n\nPrincipalReduction\n\n10.143\n\nIntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n10.014\n\nIntegratedDisclosureSubsectionType\n\nAdjustments\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL\n\n10.036\n\nClosingAdjustmentItemAmount\n\n2500.00\n\nMust be > “0”\n\n10.297\n\nClosingAdjustmentItemPaidOutsideOfClosingIndicator\n\nfalse\n\n10.038\n\nClosingAdjustmentItemType\n\nSellerCredit\n\n10.026\n\nIntegratedDisclosureSectionType\n\nPaidAlreadyByOrOnBehalfOfBorr\nowerAtClosing\n\nUCD v2.0 Implementation Guide\n\n- 40 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 23. UCD v2.0 Excerpt – Closing Adjustment Data Requirements.\n\nUCD UID\n\nMISMO v3.3 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL\n\n10.039\n\nClosingAdjustmentItemAmount\n\n10,000.00\n\nMust be > “0”\n\n10.211\n\nClosingAdjustmentItemPaidOutsideOfClosingIndicator\n\nfalse\n\n10.042\n\nClosingAdjustmentItemType\n\nProceedsOfSubordinateLiens\n\n10.162\n\nIntegratedDisclosureSectionType\n\nPaidAlreadyByOrOnBehalfOfBorr\nowerAtClosing\n\n10.163\n\nIntegratedDisclosureSubsectionType\n\nOtherCredits\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_PAID_BY/LEGAL_ENTIT\nY/LEGAL_ENTITY_DETAIL\n"} diff --git a/chunks/json/eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575.json b/chunks/json/eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575.json new file mode 100644 index 0000000000000000000000000000000000000000..fe871f2f838a10e6b661539c24674b0d20bc0d38 --- /dev/null +++ b/chunks/json/eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36463,"char_start":34706,"chunk_id":"chk_6742293c5a0183a6","chunk_index":21,"chunk_sha256":"eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575","token_estimate":440,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Total Estimated Cost of Items\nRecommended for Repair\n\nTotal Cost\n\nReconciliation Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nRevision History\n\nRevision Date\n\nURAR Section\n\nDescription\n\nReconsideration of Value\n\nType\nDate\n\nReconsideration of Value Commentary\n\nResult\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSupplemental Information\n\nSupplemental Information Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"} diff --git a/chunks/json/eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec.json b/chunks/json/eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec.json new file mode 100644 index 0000000000000000000000000000000000000000..e11eb6b1678b2cb2331e511c948ae2f3afde3846 --- /dev/null +++ b/chunks/json/eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1706,"char_start":0,"chunk_id":"chk_16d2133d1b5aa991","chunk_index":0,"chunk_sha256":"eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8defd0594627ac08","text_sha256":"eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-jan-11-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 12.0\n\nNov. 20, 2024\n\nDuring the weekend of Jan. 11, 2025, Fannie Mae will implement Desktop Underwriter® (DU®) Version 12.0. The changes in this\nrelease will apply to new loan casefiles submitted to DU during or after the weekend of Jan. 11, 2025.\n\nPlease review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nNew, Modified, and Retired DU Underwriting Findings Messages\n\nThis release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings report data file (RES file) or Codified Findings (XML file) may require\nupdates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may\nalso require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated\nmessage changes.\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n15\n\n22\n\n20\n\nThe draft DU message file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized\nsubscribers on or about Nov. 20, 2024.\n\nRelease Support\n\nDU Version 12.0 will be implemented in the DU integration environment on or around Nov. 20, 2024.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae\nrepresentative.\n"} diff --git a/chunks/json/ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f.json b/chunks/json/ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f.json new file mode 100644 index 0000000000000000000000000000000000000000..4595905ffbe54f52e0250b33e55a756fe691d7e4 --- /dev/null +++ b/chunks/json/ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":736932,"char_start":735317,"chunk_id":"chk_99bd251a86e0300c","chunk_index":439,"chunk_sha256":"ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n26.021\n26.028\n26.036\n26.044\n26.052\n\nApparent Defects, Damages, Deficiencies (Reconciliation)\n\nReport Label\n\nOrigin of Information (Section)\n\nDefinition / Additional Guidance\n\nFeature\n\n•\n•\n•\n•\n\nSite 4.100\nDwelling Exterior 8.056\nOutbuilding 12.020\nUnit Interior 10.056\n\nAs previously entered in the original section:\n•\nExterior Walls and Trim\n•\nFlooring\n•\nFoundation\n• Mechanical System\n•\n• Walls and Ceiling\n• Windows\n•\n\nOther (Describe)\n\nRoof\n\n26.058\n\nFeature\n\n26.064\n\nFeature\n\nVehicle Storage\n•\n\nVehicle Storage Type 13.005\n\nSubject Property Amenities\n•\n\nAmenity Type 14.006\n\n26.022\n26.029\n26.037\n26.045\n26.053\n26.059\n26.065\n\n26.023\n26.030\n26.038\n26.046\n26.054\n26.060\n26.066\n\n26.024\n26.031\n26.039\n26.047\n26.055\n26.061\n26.067\n\n26.025\n26.032\n26.040\n26.048\n26.056\n26.062\n26.068\n\nLocation\n\nDescription\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n\nSite 4.101\nDwelling Exterior 8.057\nOutbuilding 12.021\nUnit Interior 10.057\nVehicle Storage 13.006\nSubject Property Amenities 14.007\n\nSite 4.102\nDwelling Exterior 8.058\nOutbuilding 12.022\nUnit Interior 10.058\nVehicle Storage 13.007\nSubject Property Amenities 14.008\n\nSite 4.103\nDwelling Exterior 8.059\nOutbuilding 12.023\nUnit Interior 10.059\nVehicle Storage 13.008\nSubject Property Amenities 14.009\n\nSite 4.104\nDwelling Exterior 8.060\nOutbuilding 12.024\nUnit Interior 10.060\nVehicle Storage 13.009\nSubject Property Amenities 14.010\n\nAs previously entered in the original section.\n\nAs previously entered in the original section.\n\nAs previously entered in the original section:\n•\n•\n•\n•\n"} diff --git a/chunks/json/ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee.json b/chunks/json/ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee.json new file mode 100644 index 0000000000000000000000000000000000000000..bee783d3d87677e938d80f9bf2509d492afbf061 --- /dev/null +++ b/chunks/json/ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9430,"char_start":7696,"chunk_id":"chk_cdde3bc31c094cf3","chunk_index":4,"chunk_sha256":"ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee","token_estimate":434,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"On September 6, 2008, the Director of\n\nFHFA appointed FHFA as conservator\nof the Enterprises in accordance with\nthe Safety and Soundness Act, as\namended by HERA, to maintain the\nEnterprises in a safe and sound financial\ncondition and to help assure\nperformance of their public mission.\nThe Enterprises remain under\nconservatorship at this time.\n\nB. Statutory Requirements\n\nSection 1323(a)(1) of the Safety and\nSoundness Act, as amended, 12 U.S.C.\n4543(a)(1), requires the Director of\nFHFA (Director) to make available to the\npublic the non-proprietary data\nsubmitted by Fannie Mae and Freddie\nMac in their mortgage reports required\nunder section 309(m) of the Federal\nNational Mortgage Association Charter\nAct, as amended, 12 U.S.C. 1723a(m),\nand section 307(e) of the Federal Home\nLoan Mortgage Corporation Act, as\namended, 12 U.S.C. 1456(e),\nrespectively (hereafter, Charter Acts).\nThe Enterprises are required to collect,\nmaintain and provide to FHFA in these\nmortgage reports data relating to their\nsingle-family and multifamily mortgage\npurchases (e.g., income, census tract\nlocation, race and gender of mortgagors).\nThe responsibility to maintain a PUDB\nfor mortgage data was transferred from\nHUD to FHFA pursuant to sections\n1122, 1126, and 1127 of HERA.\n\nSection 1126 of HERA also amended\n\nsection 1323 of the Safety and\nSoundness Act by adding a new\nparagraph (a)(2) which requires that\nsuch data submitted by the Enterprises\nin their mortgage reports shall include\nthe data elements required to be\nreported under HMDA, 12 U.S.C. 2801\net seq., at the census tract level. 12\nU.S.C. 4543(a)(2). FHFA construes this\nlanguage in section 1323(a)(2) to require\nthe Enterprises to submit for inclusion\nin the PUDB HMDA mortgage data\n"} diff --git a/chunks/json/ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f.json b/chunks/json/ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f.json new file mode 100644 index 0000000000000000000000000000000000000000..d10405172faa91372273c5cbf53af66f0bab458e --- /dev/null +++ b/chunks/json/ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20939,"char_start":19311,"chunk_id":"chk_1febe966ca72525f","chunk_index":13,"chunk_sha256":"ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Critical Edit Impacts on the UCD Specification v1.5\nOverview\nThe following tables list differences between the UCD Critical Edits Matrix (CEM) and the UCD\nSpecification v1.5 (Appendix_I_Uniform_Closing_Dataset, Version 1.5).\n\nPhase 3 edits are listed first in Closing Disclosure order to match the order of the CEM. The order of the\nspecification conditionality details or the CEM requirements may be changed to facilitate comparison.\nThe CEM requirement that differs from the spec is noted in blue underline text. If a Spec Requirement\nno longer applies, it is noted in red strikeout text. Phases 1 and 2 follow this table. Details for Phase 4\nwill be published in the future.\n\nN O T E : Data point and enumeration values are not shown in upper camel case for ease of reading.\nThey do need to be in upper camel case in the UCD XML file.\n\nUpdated UCD Requirements for Phase 3 (different from UCD Specification v1.5)\n\nPhase UID Data Point + Enum Form Field Name /\n\nUCD Specification v1.5\n\nSuperseding CEM Requirement\n\n3\n\n7.006 Fee Total Percent Discount Points\n\nContext\n\n1. Required\n2. Must be >= “0”\n\n1. Required\n2. Fee Actual Payment Amount ≠ \"0\"\n3. May be negative, zero or positive\n\n3\n\n7.010 Fee Actual Payment\n\nDiscount Points\n\n1. Fee Type = \"Loan Discount\n\n1. Must exist for all loans when FeeType =\n\nAmount\n\nPoints\"\n\n\"LoanDiscountPoints\"\n\n2. Fee Total Percent ≠ \"0\"\n\n2. Integrated Disclosure Section Type =\n\n3\n\n7.081 Fee Paid To Type Origination Charges 1. Fee Type exists\n\n3\n\n7.077 Fee Payment Paid\n\nBy Type\n\n2. Integrated Disclosure Section\nType = \"Origination Charges\"\n\n\"Origination Charges\"\n3. Fee Total Percent ≠ \"0\"\n"} diff --git a/chunks/json/ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff.json b/chunks/json/ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff.json new file mode 100644 index 0000000000000000000000000000000000000000..0b4c6b42e6787d352b50c2b8ca8289d55270e859 --- /dev/null +++ b/chunks/json/ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":198868,"char_start":197227,"chunk_id":"chk_88a567051ae46097","chunk_index":116,"chunk_sha256":"ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes | No\n\nUtility Shared: Indicates whether the utility is shared with another property.\n\nIf Yes, “(Shared)” displays.\n\n(Detail)\n\n4.090 Water\n(Detail)\n\n4.090 Water\n(Detail)\n\nRequired for FHA\nappraisals when there\nis no public water\nconnected to the site\n(no checkmark is\ndisplayed in the Public\ncolumn)\n\nYes | No\n\nPublic Water Available Not Connected\n•\n•\n\nYes (Public water available not connected)\nNo (Public water not available)\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nIf available for FHA,\nUSDA, and VA\nappraisals when Water\nSource is Well\n\nChoose an\nallowable value\nfrom table (Water\nWell Type)\n\nWater Well Type: The type of individual water supply well.\n•\n•\n•\n•\n\nArtesian\nDrilled\nDug\nOther (Describe)\n\n4.090 Water\n(Detail)\n\nYes | No\n\nIf applicable for FHA,\nUSDA, and VA\nappraisals when Water\nSource is Well\n\nWell Meets Distance Requirements: Indicates whether the well meets all\napplicable distance requirements as defined by the regulating agency.\n•\n•\n\nYes (well meets distance requirements)\nNo (well does not meet distance requirements)\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nAppendix F-1: URAR Reference Guide\n\nPage 78 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Utilities\n\nReport Label\n\nWhen to Include\n\nPrivate Utility\nImpact\n\nRequired for each\nprivate utility\n\nAllowable\nAnswers / Format\n\nAdverse,\nBeneficial or\nNeutral\n\nDefinition / Additional Guidance\n\nComment\n\nRequired if Private\nUtility Impact is\nAdverse, or as needed\n"} diff --git a/chunks/json/ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289.json b/chunks/json/ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289.json new file mode 100644 index 0000000000000000000000000000000000000000..cea205af64bb6647e502e22790cbc707b610e4da --- /dev/null +++ b/chunks/json/ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50067,"char_start":48467,"chunk_id":"chk_59b149f0b06ddfd5","chunk_index":29,"chunk_sha256":"ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Heating, Cooling\n\n• 1004/70\n\nINSTRUCTION\n\nThe appraiser should select the heating\nand/or cooling types. If there is no heating or\ncooling source, the appraiser should indicate\n‘Other’ and enter ‘None’.\n\nReporting Format:\nHeating Types (for 1004 and 2055) –\nCheckbox(es) designated with an ‘x’ Cooling\nTypes – Checkbox(es) designated with an ‘x’\nDescription of ‘Other’ (if applicable) – Text\n\nHeating, Cooling -- (for Condominiums)\nThe appraiser should indicate the heating and\ncooling types. If there is no heating source,\nthe appraiser should indicate ‘None’. If there is\nno cooling source, the appraiser should\nindicate ‘Other’ and enter ‘None’.\n\nReporting Format:\nHeating Types (for 1073 and 1075) – Text\nCooling Types – Checkbox(es) designated\nwith an ‘x’ Description of ‘Other’ (if applicable)\n– Text\n\nAmenities\nThe appraiser should select the appropriate\ncheckbox(es) to indicate the amenities\navailable. The appraiser should enter the\nnumeral zero (0) in the appropriate space if\nthere are no fireplaces or woodstoves. The\nappraiser should enter ‘None’ in the\nappropriate space if there is no patio/deck,\npool, fence, porch, or other amenity.\n\nReporting Format:\nAmenity Types – Checkbox(es) designated\nwith an ‘x’\nDescription of Amenity – Text\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075**/466**\n\n*FIELD IS LOCATED IN\nUNIT DESCRIPTION\nSECTION\n** FIELD IS LOCATED IN\nUNIT IMPROVEMENTS\nSECTION\n\n• 1004/70\n\nINSTRUCTION\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n"} diff --git a/chunks/json/ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0.json b/chunks/json/ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0.json new file mode 100644 index 0000000000000000000000000000000000000000..1575876e0ba6e8a8800292380ab30ff6c924f15c --- /dev/null +++ b/chunks/json/ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":425986,"char_start":424349,"chunk_id":"chk_a8bd89611a3069f3","chunk_index":237,"chunk_sha256":"ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Generally, improvements should be permanently affixed to the real property (either dwelling or land), with the exception of\ncertain appliances installed with kitchen and utility room remodels. The borrower may use HomeStyle Renovation to purchase\nappliances as part of an overall remodeling project that includes substantial changes or upgrades to the rooms in which the\nappliances are placed.\n\nHomeStyle Renovation may be used to complete the final work on a newly built home when the home is at least 90% complete.\nThe remaining improvements must be related to completing non-structural items the original builder was unable to finish. Such\nwork may include installation of buyer-selected items such as flooring, cabinets, kitchen appliances, fixtures, and trim.\n\nHomeStyle Renovation may be used to construct various outdoor buildings and structures when allowed by local zoning\nregulations. These buildings or structures must be in compliance with any applicable building codes for the local area. Examples\nof acceptable structures include, but are not limited to, accessory dwelling units (ADU), garages, recreation rooms, and swimming\npools. See Accessory Dwelling Units in SB2-3-04, Special Property Eligibility Considerations for additional information about\neligible ADUs.\n\nHomeStyle Renovation may not be used for complete tear-down and reconstruction of the dwelling.\n\nLender Eligibility\n\nHomeStyle Renovation loans have specific product requirements and guidelines for which lenders must ensure detailed\ncompliance. Lenders must obtain special approval to deliver these types of loans to Fannie Mae prior to completion of the\n"} diff --git a/chunks/json/ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b.json b/chunks/json/ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b.json new file mode 100644 index 0000000000000000000000000000000000000000..ee4e5013c2305e8bb94cd2f6db4545fab473f2a5 --- /dev/null +++ b/chunks/json/ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26812,"char_start":25115,"chunk_id":"chk_b8eb96e8680336a9","chunk_index":14,"chunk_sha256":"ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"**Drive-by Downloads**– Drive-by downloads are a common method of spreading malware. Cybercriminals look for insecure web sites and plant a malicious script into HTTP or PHP code on one of the pages. This script may install malware directly onto the computer of a victim who visits the site. Such attacks require no action on the part of the victim beyond simply visiting the compromised web site.\n\n**Email Account Compromise (EAC)** – Fraudsters compromise victims’ email accounts, gaining access to legitimate mailboxes. EAC may lead to theft of valuable personal or financial data as well as fraudulent payments utilizing the stolen information. Fraudsters employ various tactics such as password spray, phishing, malware, and social engineering to further these schemes.\n\n**Fraudulent Websites** – Fraudsters are known to create fictitious websites mimicking a legitimate website to trick the user into providing sensitive personal or financial information such as login credentials, bank, or mortgage information. Alternatively, fraudsters sometimes manipulate an existing and otherwise valid website for the same purposes. Fraudulent websites may also infect the victim’s computer with malware to continue the theft of information.\n\n**Malware** – Shorthand for malicious software, malware is the collective name for several malicious software variants, including viruses, ransomware and spyware. Malware is code developed by cyber attackers to cause extensive damage to data and systems or to gain unauthorized access to a network. Malware is typically delivered in the form of a link or file over email and requires the user to click on the link or open the file to execute the malware.\n"} diff --git a/chunks/json/ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d.json b/chunks/json/ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d.json new file mode 100644 index 0000000000000000000000000000000000000000..4a6972ab1ec1a63acf2ff574fab4dc4e32e3c9d6 --- /dev/null +++ b/chunks/json/ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":116025,"char_start":114259,"chunk_id":"chk_7ffe0ed707d24c39","chunk_index":66,"chunk_sha256":"ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d","token_estimate":442,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Free-form\n\nThe address of the company that provided the property data report.\n\nFree-form\n\nAn identifier or number issued to identify the property data report.\nNote: If Reference ID is not provided, it does not display.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nExterior Inspection Method: The method by which the exterior inspection was\nconducted for the property data report.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nInterior Inspection Method: The method by which the interior inspection was\nconducted for the property data report.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nmm/dd/yyyy\n\nDate the subject property was inspected for the property data report.\n\nAppendix F-1: URAR Reference Guide\n\nPage 44 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nAssignment Information and Scope of Work Commentary\n\nReport\nField ID\n\n2.061\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAssignment Information and Scope of Work Commentary\n\nIf applicable\n\nFree-form\n\nAssignment\nInformation and\nScope of Work\nCommentary\n\nCommentary could include information pertinent to Assignment information\nand Scope of Work that is not captured in the discrete data, or additional\ndetails to support the discrete data that is provided.\nNote: If only an exterior inspection was performed, describe the extent of the\ninspection, (e.g., “from the street”, “walked the property”).\n\nAssignment Information Exhibits\n\nAll photos or images related to the Assignment Information section are displayed in the Assignment\nInformation Exhibits subsection. If there are no photos or images, this subsection does not display.\n"} diff --git a/chunks/json/ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7.json b/chunks/json/ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7.json new file mode 100644 index 0000000000000000000000000000000000000000..79826dc175a9ce0a9461a18c79cf201b9f3095f3 --- /dev/null +++ b/chunks/json/ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":277209,"char_start":275518,"chunk_id":"chk_be0de4fcd6099ddc","chunk_index":243,"chunk_sha256":"ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"systems are not needed. When the outbuilding contains an ADU, the checkboxes do not display,\nand the Heating and Cooling System details display in the Mechanical System Details subsection.\n\nPage 207\n\n• Utilities - UtilityType (UID: 0300.0028, FID: 12.010) must display.\n\no When None, no other enumerated values should be delivered.\no For multiple utilities, display alphabetically with each on a new row. (Figure 12 - 5)\n\nFigure 12 - 4\n\nFigure 12 - 5\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Finished (Figure 12 - 6)\n\no Display the text, “The table below depicts the area of the outbuilding, excluding vehicle storage and any ADU(s)”, when\n\nOutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = \"true\".\n\no Total Area - StructureExcludingVehicleStorageAndADUFinishedAreaMeasure (UID: 0300.0112, FID: 12.011) must display, even\n\nPage 208\n\nif zero.\n\no Room Summary\n\n▪ TotalRoomCount (UID: 0300.0020, FID: 12.012)\n▪ RoomType (UID: 0300.0018, FID: 12.012)\n▪ Display the number followed by a dash, then the display value for the room type.\n▪\n• Unfinished (Figure 12 - 6)\n\nIf there are multiple, display as stacked in the same cell.\n\no Total Area - StructureExcludingVehicleStorageAndADUUnfinishedAreaMeasure (UID: 0300.0113, FID: 12.013) must display,\n\neven if zero.\n\no Room Summary - Room detail is not collected or displayed for unfinished space.\n\nFigure 12 - 6\n\nMechanical System Details\n\nThe Mechanical System Details subsection displays when the outbuilding contains an ADU, Units in Structure - LivingUnitCount (UID:\n0300.0063, FID: 12.003) >= 1.\n\nHeating\n\n• System - HeatingSystemType (UID: 0300.0088, FID: 12.014) If there are multiple, display as stacked in a new row.\n"} diff --git a/chunks/json/ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100.json b/chunks/json/ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100.json new file mode 100644 index 0000000000000000000000000000000000000000..7726ef0101ed89858dbfb433d0de7a472f848f02 --- /dev/null +++ b/chunks/json/ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100.json @@ -0,0 +1 @@ +{"chunk":{"char_end":51663,"char_start":49154,"chunk_id":"chk_00e01e502c0178f8","chunk_index":28,"chunk_sha256":"ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100","token_estimate":628,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 23 of 23\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. 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 of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26.json b/chunks/json/ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26.json new file mode 100644 index 0000000000000000000000000000000000000000..314e3cb1aa1f71ae21e1e295f322c6e0249db8e7 --- /dev/null +++ b/chunks/json/ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26.json @@ -0,0 +1 @@ +{"chunk":{"char_end":387569,"char_start":385938,"chunk_id":"chk_35fb3a1fc0ab6373","chunk_index":216,"chunk_sha256":"ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Notes\n\n12.6.1 Rebate ($)\n\n…/CLOSING_ADJUSTME\nNT_ITEM_DETAIL\n\nClosingAdjustmentIt\nemAmount\n\n750.00\n\nROF as “$750.00”\n\n12.6 N/A\n\n12.6 Rebate …\n\nClosingAdjustmentIt\nemPaidOutsideOfCl\nosingIndicator\n\nfalse\n\nNot reflected on form\nunless “true”\n\nClosingAdjustmentIt\nemType\n\nRebateCredit\n\nROF as “Rebate from\nEpsilon Title Co.”\n\n@gse:DisplayLabelT\next\n\nRebate from\nEpsilon Title Co.\n\nSince this is a string field,\nthe text is represented\non the form exactly as\nprovided.\n\nAppendix E: UCD Implementation Guide\n\nPage 177 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\nID\n\nForm Field Name MISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 120. Other Credits\n\nIntegratedDisclosur\neSectionType\n\nPaidAlreadyByOr\nOnBehalfOfBorro\nwerAtClosing\n\nNot Shown\n\nIntegratedDisclosur\neSubsectionType\n\nOtherCredits\n\nNot Shown\n\nFullName\n\nEpsilon Title Co.\n\nROF as “Epsilon Title Co.”\n\n12.6 N/A\n\n12.6 N/A\n\n12.6 Rebate from\n\nEpsilon Title Co.\n\n…/CLOSING_ADJUSTME\nNT_ITEM/CLOSING_ADJ\nUSTMENT_ITEM_PAID_\nBY/LEGAL_ENTITY/LEGA\nL_ENTITY_DETAIL\n\n12. 7 ADJUSTMENTS\n\nAdjustments are any additional non-prorated items that the seller(s) have not paid prior to closing, are due to\nthe borrower(s) at closing, and are not already disclosed as line items in the Loan Costs or Other Costs tables or\nin section L. A sample line item is illustrated in the following figure.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.0.1 $227,015.00\n\n12.7 Adjustments\n\n12.7.1\n\n07 Relocation Funds from Employer, Inc.\n"} diff --git a/chunks/json/ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8.json b/chunks/json/ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8.json new file mode 100644 index 0000000000000000000000000000000000000000..37e5691cf6e63f2d5dcaff5d4731780f7f08d902 --- /dev/null +++ b/chunks/json/ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11827,"char_start":10330,"chunk_id":"chk_4f34adb2b235205a","chunk_index":6,"chunk_sha256":"ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8","token_estimate":374,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"Note: Unlike the other enhancements in these release notes, these changes will be applied to new loan casefiles\nunderwritten with DU Version 12.0, as well as resubmissions of loan casefiles underwritten with DU Version 11.1.\n\nUpdates to Align with the Selling Guide\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\n\nRetirement of DU Version 11.0\n\nWith the release of DU Version 12.0, DU Version 11.0 will be retired. Therefore, effective the weekend of Jan. 11, 2025, customers\nwill no longer be able to resubmit loan casefiles to DU Version 11.0. Customers will be able to view online loan applications and\nDU Underwriting Findings reports that were created under DU Version 11.0. To obtain an updated underwriting recommendation\nafter the weekend of Jan. 11, customers must create a new loan casefile and submit it to DU.\n\nNote: DU Version 11.0 loan casefiles would have been created prior to Feb. 25, 2023; therefore, those loan casefiles would\nhave been created 23 months prior to the retirement of DU Version 11.0.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an\nIntegration Impact Memo will be posted on the Technology Integration page.\n\n© 2024 Fannie Mae.\n\n11.20.24\n\n4 of 4\n"} diff --git a/chunks/json/ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23.json b/chunks/json/ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23.json new file mode 100644 index 0000000000000000000000000000000000000000..555fe228ffeb16041cd59966d239759c224275e4 --- /dev/null +++ b/chunks/json/ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23.json @@ -0,0 +1 @@ +{"chunk":{"char_end":916321,"char_start":914711,"chunk_id":"chk_c8bfd388a05ef02b","chunk_index":544,"chunk_sha256":"ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field is required if the value of field e-\n29 (GSE Listing Status Type) is\n'SettledSale'.\n\nThe sum of this field 3-64 and fields (3-60,\n3-62, 3-66, 3-68, 3-70, 3-72, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\nR\n\nCR\n\nCR\n\nCR\n\nR\n\n399\n\n3\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Location Type)\n\nGSE Location Type\n\nThe type of location influences associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_\nEXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@\nGSELocationType\n\n20\n\nEnumerated\n\nAllowable Values PDF Display\nResidential Res\nIndustrial Ind\nCommercial Comm\nBusyRoad BsyRd\nWaterFront WtrFr\nGolfCourse GlfCse\nAdjacentToPark AdjPrk\nAdjacentToPowerLines AdjPwr\nLandfill Lndfl\nPublicTransportation PubTrn\nOther *\n\n*See field e-16 directly below.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\n400\n\n3\n\ne-16\n\nSALES\nCOMPARISON\nAPPROACH\n"} diff --git a/chunks/json/ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4.json b/chunks/json/ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4.json new file mode 100644 index 0000000000000000000000000000000000000000..4ee24cf87647cb8b14c198c89c725e84f1fa2b3d --- /dev/null +++ b/chunks/json/ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":823860,"char_start":822262,"chunk_id":"chk_c26068546de95de8","chunk_index":489,"chunk_sha256":"ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_DATA\n_SOURCE[@DataSourceType='Other']\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_DATA\n_SOURCE/@DataSourceTypeOtherDescription\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@GrossLivingAreaSqu\nareFeetDataSourceDescription\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@FloorIdentifie\nr\n\nLevel Count\n\nThe number of structure levels.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@LevelCount\n\nHeating Unit\nDescription\n\nA free-form text field used to describe the\nheating type (i.e. central, forced, wall, etc)\ndescription.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_UnitDes\ncription\n\nUNIT\nIMPROVEMENTS\n\nHeating\nFuel\n\nHeating Fuel\nDescription\n\nA free-form text field used to describe the\nfuel used by the heating unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_FuelDes\ncription\n\nUNIT\nIMPROVEMENTS\n\nCooling\nCentral AC\n\nCooling Centralized\nIndicator\n\nIndicates that the structure has a central\ncooling unit indicator.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Centrali\nzedIndicator\n\n257\n\n2\n\n55\n\nUNIT\nIMPROVEMENTS\n\nCooling\nIndividual AC\n\nCooling Individual\nIndicator\n\nIndicates that the structure or unit has\nindividual cooling units.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Individu\nalIndicator\n\n258\n\n2\n\n56\n\nUNIT\nIMPROVEMENTS\n\nCooling\nOther\n\nCooling Other\nIndicator\n\nIndicates that the structure or unit has a\ncooling configuration other than\nCentralized or Individual. The details may\nbe found in Cooling Unit Description.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_OtherIn\ndicator\n\n1\n\n1\n\n1\n\n25\n\n25\n\n25\n\n25\n\n25\n\n25\n"} diff --git a/chunks/json/ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08.json b/chunks/json/ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08.json new file mode 100644 index 0000000000000000000000000000000000000000..a58cf79fa6e64b2d2f35d52dd5afdf26ec0d9a0a --- /dev/null +++ b/chunks/json/ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1164317,"char_start":1162582,"chunk_id":"chk_02c47857f36e88f1","chunk_index":691,"chunk_sha256":"ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis is a free-text field that must contain the appraiser’s description of the financing\ntype if 'Other' is indicated.\n\n11\n\nString\n\nThis field is required if the value of field e-26\n(GSE Financing Type) is ‘Other’.\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 193 of 211\n\nDocument Version 1.4\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\n286\n\n2\n\ne-28\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Concession\nAmount\n\nThe total known amount of the sales or\nfinancing concessions for the comparable\nsale transaction.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEConcessionAmount\n\n287\n\n2\n\n55\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions Adjustment\n(Line 2)\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='FinancingConcessions']/@_Amount\n"} diff --git a/chunks/json/ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401.json b/chunks/json/ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401.json new file mode 100644 index 0000000000000000000000000000000000000000..e44902503cccc12b04640d434da1071189102d26 --- /dev/null +++ b/chunks/json/ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12232,"char_start":10610,"chunk_id":"chk_91f183854a57fc5b","chunk_index":6,"chunk_sha256":"ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_201275b1aba83e24","text_sha256":"ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Translation_Disclosure___FHFA_lv538r.md"]},"text":"- Select \"hou​sing counseling agency\" near you, then select your state.\n- To locate housing counseling agencies in your area that speak your language, select \"Click here to narrow your search\" and select a language.\n- Or, call HUD at 800-569-4287 for help in finding a counselor.\nInformation about housing counselors is also available at [www.consumerfinance.gov/find-a-housing-counselor](http://www.consumerfinance.gov/find-a-housing-counselor).\n\n*​**LEGAL DISCLAIMER***\n*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​​*\n\n*​*\n\n*Last updated: December 2, 2022​​*\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"} diff --git a/chunks/json/ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8.json b/chunks/json/ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8.json new file mode 100644 index 0000000000000000000000000000000000000000..fade3303f8717e937ce8608dfb9d465ac3f928ce --- /dev/null +++ b/chunks/json/ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9214,"char_start":6930,"chunk_id":"chk_3551bf783980d462","chunk_index":2,"chunk_sha256":"ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8","token_estimate":1482,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 1 of 166\n\nUAD 3.6 Policy\nSB4-1.4-11, Value Acceptance + Property Data (06/04/2025) ....................................................................................................................... 125\nSB4-2.1-01, General Information on Project Standards (12/10/2025).......................................................................................................... 128\nSB4-2.2-06, Project Eligibility Review Service (PERS) (12/10/2025) ............................................................................................................. 138\nSB5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan Delivery Requirements (12/10/2025) .................................... 158\nSB5-2-05, Manufactured Housing Legal Considerations (12/10/2025) ....................................................................................................... 159\nSB5-3.1-01, Conversion of Construction-to-Permanent Financing: Overview (06/04/2025) ...................................................................... 166\nSB5-3.1-02, Conversion of Construction-to-Permanent Financing: Single- Closing Transactions (11/05/2025) ...................................... 167\nSB5-3.2-01, HomeStyle Renovation Mortgages (12/10/2025) ...................................................................................................................... 173\nSB5-3.2-05, HomeStyle Renovation Mortgages: Completion Report (06/04/2025) ..................................................................................... 176\nSB5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties (12/10/2025) ........................................................................... 177\n5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities (10/08/2025) ..................................................................................... 182\nSB5-7-03, High LTV Refinance Alternative Qualification Path (06/04/2025) ................................................................................................ 185\nSE-3, Acronyms and Glossary of Defined Terms ........................................................................................................................................... 191\n"} diff --git a/chunks/json/ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9.json b/chunks/json/ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9.json new file mode 100644 index 0000000000000000000000000000000000000000..97b0bc3ee9b57fa4661b457656e6e972b261ca9f --- /dev/null +++ b/chunks/json/ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_c19b9320ad2d821d","chunk_index":0,"chunk_sha256":"ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca279aa2dccb83ed","text_sha256":"ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Data___FHFA_p12zaa.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data\"\ndate_accessed: \"2026-01-27T18:10:30.807Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f.json b/chunks/json/ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f.json new file mode 100644 index 0000000000000000000000000000000000000000..3afdd25871c56408fe417290d0e4bc29239672a6 --- /dev/null +++ b/chunks/json/ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":458700,"char_start":457017,"chunk_id":"chk_f0ce63d627eb0fc9","chunk_index":256,"chunk_sha256":"ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Puerto Rico Direct Mortgage Instruments\n\nThe statutory provisions of Puerto Rico permit a mortgage transaction to be documented by a single instrument that\ncombines the terms of a note and mortgage. This is referred to as a “direct” mortgage. Fannie Mae does not publish standard\nlegal documents for direct mortgages; therefore, lenders must develop (or acquire) appropriate documentation for these\nmortgages consistent with the applicable Puerto Rico statutes. By delivering a direct mortgage to Fannie Mae, the lender\nmust make the nonstandard document warranties. (See A2-2-02, Delivery Information and Delivery-Option Specific\nRepresentations and Warranties.)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 188 of 166\n\nUAD 3.6 Policy\n\nSecurity Instruments for Manufactured Home Mortgages\n\nFannie Mae prefers lenders to use the standard Fannie Mae uniform instruments for manufactured home loans sold to it.\n\nLoan documents are not acceptable if they:\n\n•\n\nstate that the home is personal property or contain other words to that effect;\n\n•\n\nstate that the parties do not intend to attach the home to a permanent foundation system on the land, or contain\nstatements inconsistent with that intention;\n\n• unless required by law, provide that rights of holders in due course are waived, or with other words provide that an\n\nassignee note holder may be held liable for claims the borrower may have against other parties; or\n\n•\n\ninclude consumer finance paper (which combines the note and security instrument in a single document) or a retail\ninstallment sales contract.\n\nThe following list provides the requirements for the security instrument used for a manufactured home loan.\n"} diff --git a/chunks/json/ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869.json b/chunks/json/ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869.json new file mode 100644 index 0000000000000000000000000000000000000000..c2a5c7120ad88969a2c6f57769a484f1bc769689 --- /dev/null +++ b/chunks/json/ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9464,"char_start":7824,"chunk_id":"chk_1771ae36c06b921b","chunk_index":5,"chunk_sha256":"ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869","token_estimate":408,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"$\n\n49\n\nsq. ft.\n\n47\n\n$ 48\n\ne-25; e-2\n\n51\n\nDESCRIPTION\n\n+(-) $ Adjustment\n\n53\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n67\n\n69\n\n71\n\n73\n\n52\ne-26; e-27; e-28\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\n60\n\n62\n\ne-5; e-6; e-7\n\n66\n\n68\n\ne-17; 70\n\n72\n\n74 Total Bdrms. Baths\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n75\n\n76\n\n77\n\n79 sq. ft.\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n85\n\n87\n\n89\n\n91\n\n93\n\n95\n97\n99\n\n101\n + -\n\n102\n\n$ 103\n\nNet Adj. 103a %\nGross Adj. 103b %\n\n$ 104\n\n53\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n67\n\n69\n\n71\n\n73\n\n74\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n112\n\n108\n\n111\n\n109\n\nMy research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\nData source(s) 110\nMy research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\nData source(s) 113\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARABLE SALE # 3\n118\n119\n120\n121\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales 122\n\nCOMPARABLE SALE # 1\n118\n119\n120\n121\n\nCOMPARABLE SALE # 2\n118\n119\n120\n121\n\nSUBJECT\n114\n115\n116\n117\n\nITEM\n\nSummary of Sales Comparison Approach 123\n\nIndicated Value by Sales Comparison Approach $ 124\nIndicated Value by: Sales Comparison Approach $ 125\n128\n\nCost Approach (if developed) $ 126\n\nIncome Approach (if developed) $ 127\n"} diff --git a/chunks/json/ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62.json b/chunks/json/ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62.json new file mode 100644 index 0000000000000000000000000000000000000000..63cb66157f15a061bedf86d14da3b9cf8de0b18c --- /dev/null +++ b/chunks/json/ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62.json @@ -0,0 +1 @@ +{"chunk":{"char_end":51168,"char_start":50549,"chunk_id":"chk_d717b0bb773dcc1a","chunk_index":30,"chunk_sha256":"ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62","token_estimate":155,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf","below_target_min_tokens"]},"text":"The xpath or an abbreviated version of the xpath.\n\nThe unique UAD 3.6 data specification number\nassigned to each instance of a MISMO data point.\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nReport Type\n\nUpdate\nReport\nX\n\nCompletion\nReport\nX\n\nFormat\nType\n\nPDF / JSON\n\nPDF / JSON\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nJSON\n\nJSON\n\nJSON\n\nJSON\n\nJSON\n\nJSON\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n"} diff --git a/chunks/json/ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c.json b/chunks/json/ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c.json new file mode 100644 index 0000000000000000000000000000000000000000..087d146681fbc6c114feeeafc5d90fd84b2f9e5e --- /dev/null +++ b/chunks/json/ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":252019,"char_start":250359,"chunk_id":"chk_7e16dc265ee02054","chunk_index":228,"chunk_sha256":"ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"AccessoryDwellingUnitTypicalToMarketIndicator\n\n10.015\n\nIngress/Egress\n\n0700.0091\n\nAccessType\n\nDisplay when AccessoryDwellingUnitIndicator = \"true\"\n\n10.016\n\nSeparate Postal Address\n\n0700.0090\n\nSeparatePostalAddressIndicator\n\nFigure 10 - 7\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 182\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point/Attribute Name\n\nDisplay Rules\n\n10.017\n\nLevels in Unit\n\n0700.0063\n\nLevelCount\n\nAlways displays\n\nUnit Interior: General Information\n\n10.018\n\nFloor Number\n\n10.019\n\nCorner Unit\n\n0700.0060\n\nFloorIdentifier\n\n0700.0058\n\nCornerUnitIndicator\n\nDisplay when (StructuralDesignType = \"Lowrise\" OR “Midrise” OR \"Highrise\") or exists.\n\n10.020\n\nOccupancy\n\n0700.0070\n\nUnitOccupancyType\n\nAlways displays\n\n10.021\n\nUtilities Separately Metered\n\n0700.0072\n\nUtilitiesMeteredSeparatelyIndicator\n\nDisplay when LivingUnitExcludingADUCount > 1 OR AccessoryDwellingUnitTotalCount > 0\n\n10.022\n\nUtilities Operating\n\n0700.0068\n\nUnitUtilitiesOperatingIndicator\n\nDisplay when UnitOccupancyType = \"Vacant\" AND (GovernmentAgencyAppraisalType =\n\"FHA\" OR \"USDA\")\n\n10.023\n\nTotal Bedrooms\n\n0700.0118\n\nBedroomCount\n\nAlways displays\n\n10.024\n\nTotal Bathrooms - Full\n\n0700.0119\n\nFullBathroomCount\n\n10.025\n\nTotal Bathrooms - Half\n\n0700.0120\n\nHalfBathroomCount\n\n- Provide the total count of full baths, half baths, and bedrooms per unit\n- Must match the Room Summary in the “Level and Room Detail” table\n- Can be delivered as “0”\n\n10.026\n\nNon-Residential Use in Unit\n\n0700.0130\n\nUnitMixedUsageIndicator\n\n10.027\n\nLive/Work Space\n\n0700.0100\n\nAllowableLiveWorkSpaceIndicator\n\nDisplay when LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.015) = \"true\"\n"} diff --git a/chunks/json/ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73.json b/chunks/json/ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73.json new file mode 100644 index 0000000000000000000000000000000000000000..e24917a45206420fa5fb8429a413012fa4de8ffb --- /dev/null +++ b/chunks/json/ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73.json @@ -0,0 +1 @@ +{"chunk":{"char_end":698979,"char_start":697354,"chunk_id":"chk_1c356ef001070b60","chunk_index":416,"chunk_sha256":"ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Total Depreciation for Dwelling: The lump sum accumulated monetary loss in\nvalue for the reproduction or replacement cost of the dwelling from all causes\nof depreciation. Can be 0.\n\nManufactured Home Delivery, Installation a nd Setup for the Dwelling\n\nCost Approach – Manufactured Home Delivery, Installation and Setup (Dwelling)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.017 Manufactured\nHome Delivery,\nInstallation, and\nSetup\n\nRequired if\nConstruction Method\nis Manufactured\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nThe total amount associated with the delivery, installation, and setup costs for\na manufactured home. If the specific amount is unavailable from the invoice,\nprovide a reasonable estimate, and explain in Cost Approach Commentary.\n\nEstimated Dwelling Cost (Total)\n\nCost Approach – Total Depreciated Cost (Dwelling)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.018 Total\n\nRequired for each\ndwelling\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nEstimated Dwelling Cost: The estimated cost of the dwelling, including all costs\nto replace or reproduce the dwelling, the applicable depreciation, and any\napplicable delivery, installation, and setup fee.\n\nCalculated for the dwelling:\n•\nAdd the following:\n\nArea Type Costs(s) 25.009\n\no\no Manufactured Home Delivery, Installation, and Setup 25.017 if\n\napplicable\nSubtract depreciation:\n\n•\n\no\no\no\n\no\n\nDwelling Physical Depreciation Amount 25.011\nDwelling Functional Depreciation Amount 25.013\nDwelling External Depreciation Amount 25.015\nOR\nTotal Depreciation for Dwelling 25.016\n"} diff --git a/chunks/json/ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471.json b/chunks/json/ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471.json new file mode 100644 index 0000000000000000000000000000000000000000..b9a17324b52e1d2c38bb240075efdf4d107081af --- /dev/null +++ b/chunks/json/ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20085,"char_start":19606,"chunk_id":"chk_d8ca87ecde075ace","chunk_index":30,"chunk_sha256":"ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471","token_estimate":416,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Manufactured Home ..................................................................................................................................... 45\n\nHUD Data Plate (H1) ........................................................................................................................................... 46\n\nHUD Certification Label (H1) ............................................................................................................................... 46\n"} diff --git a/chunks/json/eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd.json b/chunks/json/eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd.json new file mode 100644 index 0000000000000000000000000000000000000000..cc738b7dc2372731b98920ad72df218614247439 --- /dev/null +++ b/chunks/json/eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27886,"char_start":26280,"chunk_id":"chk_983f661983be7da2","chunk_index":16,"chunk_sha256":"eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd","token_estimate":402,"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":"Multi\n\nMulti\n\nMulti\n\nHeating\n\nForced Warm Air | Electric\n\nForced Warm\nAir | Propane\n\n$0\n\nForced Warm\nAir | Electric\n\nManufactured\n\nMulti\n\nForced Warm\nAir | Propane\n\n$0\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nAppraisal Version #3\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n1,568 Sq. Ft.\n\n1,800 Sq. Ft.\n\n$(15,000)\n\n1,248 Sq. Ft.\n\n$20,800\n\n2,250 Sq. Ft.\n\n$(44,300)\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nAppraiser Reference ID\n\n2222-55HG\n\nClient Reference ID BL2345-1234567\n\nUniform Residential Appraisal Report\n\nPage 20 of 30\nPage 20 of 30\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n123 Anywhere St\nSome City, VA 20141\n\n345 Somewhere Ave\nSome City, VA 20141\n\n222 Canal Blvd\nAnywhere City, VA 20141\n\n98761 State Rd 3\nAnywhere City, VA 20141\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nCondition\n\nQ4\n\nVinyl\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC1\n\nQ4\n\nEngineered Wood\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC4\n\nQ4\n\nVinyl\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC3\n\nQ4\n\nEngineered Wood\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC5\n\nExterior Walls and Trim\n\nNew or Like New\n\nDamaged and Functional\n\nTypical Wear and Tear\n\nDamaged and Functional\n\nRoof\n\nNew or Like New\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nDamaged and Functional\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n"} diff --git a/chunks/json/ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae.json b/chunks/json/ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae.json new file mode 100644 index 0000000000000000000000000000000000000000..ccc66ad12b59d46b09dc22c78a10beb52606a061 --- /dev/null +++ b/chunks/json/ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":240453,"char_start":238831,"chunk_id":"chk_aa75757ea04158a2","chunk_index":141,"chunk_sha256":"ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Indicates whether a factory built certification is present and has been examined\nfor the modular home.\nNote:\n•\n\nSee Construction Method for definitions of Modular and On-Frame\nModular.\n\nPhoto(s) of the certification may be provided, which display in Dwelling\nExterior Exhibits. A caption (such as “Factory Built Certification”) must be\nprovided to further identify the photo.\n\n8.015\n\nStructure\nVolume\n\nWhen requested by\nclient\n\nNumber of cubic\nfeet\n\nThe total volume of the structure, including finished and unfinished areas.\nNote: When applicable, report the volume provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 98 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior: Factory Built Certification, Volume, and Window Surface Area\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n8.016 Window Surface\nArea\n\nWhen requested by\nclient\n\nNumber of square\nfeet\n\nThe combined surface area for all windows in the structure.\nNote: When applicable, report the area provided.\n\nAttic\n\nReference the appropriate government agency appraisal guidelines for more information.\n\nDwelling Exterior: Attic\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nYes | No\n\n8.017\n\nAttic\n\n8.017\n\nAttic\n\n8.017\n\nAttic\n\nRequired for FHA,\nUSDA, and VA\nappraisals when\nStructure Design is not\nHigh-rise, Mid-rise, or\nLow-rise\n\nRequired for FHA and\nUSDA appraisals when\nAttic Exists is Yes\n\nYes | No\n\nYes | No\n\nRequired for FHA and\nUSDA appraisals when\nAttic Accessible for\nObservation is Yes\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e.json b/chunks/json/ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e.json new file mode 100644 index 0000000000000000000000000000000000000000..8fe1f1525fb25f64463d737712385a033b7cd9f1 --- /dev/null +++ b/chunks/json/ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":595383,"char_start":593628,"chunk_id":"chk_9e19923d5848cc79","chunk_index":351,"chunk_sha256":"ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@DataSourceVe\nrificationDescription\n\n4\n\n35\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nThe appraisal report must include the data source(s) utilized for each comparable sale.\nWhen using a MLS as the data source, the MLS organization acronym or\nrepresentation followed by '#' and then the listing identification (numbers and letters)\nmust be reported.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nString\n\nMust provide a whole number or \"Unk\" if not known.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\n390\n\n3\n\n59\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale or Financing\n(Line 1)\n\nGSE Sale Type\n\nThe type of sale associated with the\nsubject or comparable property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSESaleType\n\n17\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nAllowable Values PDF Display\n Comp Grid Page 1\nREOSale REO REO sale\nShortSale Short Short sale\nCourtOrderedSale CrtOrd Court ordered sale\nEstateSale Estate Estate sale\nRelocationSale Relo Relocation sale\nNonArmsLengthSale NonArm Non-arms length sale\nArmsLengthSale ArmLth Arms length sale\nListing Listing *\n"} diff --git a/chunks/json/ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a.json b/chunks/json/ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a.json new file mode 100644 index 0000000000000000000000000000000000000000..ca2ea5fbeb7a0a1aec565bc05e7371815e13f85b --- /dev/null +++ b/chunks/json/ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21487,"char_start":19789,"chunk_id":"chk_6d0c77184bd2b040","chunk_index":11,"chunk_sha256":"ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a","token_estimate":424,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"5. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory\ncompletion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will\nbe performed in a professional manner.\n\nFreddie Mac Form 2055 March 2005 226\n\nPage 4 of 6\n\nFannie Mae Form 2055 March 2005\n\n2\n\nExterior-Only Inspection Residential Appraisal Report\n\nFile # 3 4 4a\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n\n1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\n\n2. I performed a visual inspection of the exterior areas of the subject property from at least the street. I reported the condition\nof the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the\nlivability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach\nfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop\nthem, unless otherwise indicated in this report.\n"} diff --git a/chunks/json/ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078.json b/chunks/json/ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078.json new file mode 100644 index 0000000000000000000000000000000000000000..5567f44298a1bac72f2b144a5d682948f6bbf146 --- /dev/null +++ b/chunks/json/ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078.json @@ -0,0 +1 @@ +{"chunk":{"char_end":534773,"char_start":533168,"chunk_id":"chk_675a616165b74bc1","chunk_index":315,"chunk_sha256":"ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Note: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThis field must contain additional comments about the condition of the property.\n\n296\n\n2\n\n89\n\nUNIT\nDESCRIPTION\n\n297\n\n2\n\n90\n\nUNIT\nDESCRIPTION\n\nUNIT\nDESCRIPTION\n\nUNIT\nDESCRIPTION\n\nUNIT\nDESCRIPTION\n\nUNIT\nDESCRIPTION\n\n298\n\n299\n\n300\n\n301\n\n302\n\n303\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n91\n\n92\n\n93\n\n94\n\n95\n\n96\n\nAre there any physical\ndeficiencies or adverse\nconditions that affect the\nlivability, soundness, or\nstructural integrity of the\nproperty?\nYes\nAre there any physical\ndeficiencies or adverse\nconditions that affect the\nlivability, soundness, or\nstructural integrity of the\nproperty?\nNo\nAre there any physical\ndeficiencies or adverse\nconditions that affect the\nlivability, soundness, or\nstructural integrity of the\nproperty?\nIf Yes describe\nDoes the property generally\nconform to the neighborhood\n(functional utility, style,\ncondition, use, construction,\netc.)?\nYes\nDoes the property generally\nconform to the neighborhood\n(functional utility, style,\ncondition, use, construction,\netc.)?\nNo\nDoes the property generally\nconform to the neighborhood\n(functional utility, style,\ncondition, use, construction,\netc.)? If No, describe\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nhysicalDeficiency' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n"} diff --git a/chunks/json/ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180.json b/chunks/json/ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180.json new file mode 100644 index 0000000000000000000000000000000000000000..ee06ad9e25f74feee5c01dfedf54a9ae8c59d58e --- /dev/null +++ b/chunks/json/ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30789,"char_start":29171,"chunk_id":"chk_4a545cd950e88eda","chunk_index":19,"chunk_sha256":"ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"2. Deposit is present in\n\n2. Deposit is present in the\n\nthe transaction.\n\ntransaction.\n\n2\n\n10.029 CLOSING_COST_\n\nFUND / Closing\nCost Fund Amount\n\n1. Loan Purpose Type\n= “Purchase”\n2. Funds Type =\n\n“Deposit On Sales\nContract”\n\n2\n\n5.035 Projected Payment\n\nMust exist for all loans\n\n1. LoanPurposeType = “Purchase”\n2. Funds Type = “Deposit On Sales\n\nContract”\n\n3. Must be greater than or equal to\n\n\"0\"\n\n1. Must exist for all loans\n2. Must be greater than or equal\n\nto \"0\"\n\nEstimated Taxes\nInsurance\nAssessment Total\nAmount\n\n2\n\n10.002 INTEGRATED\nDISCLOSURE\nSECTION\nSUMMARY\nDETAIL / Integrated\nDisclosure Section\nTotal Amount\n\nK. Due from\nBorrower at\nClosing - Amount\n\n1. Loan Purpose Type =\n\n1. Loan Purpose Type =\n\n“Purchase”\n\n2.\n\n“Purchase”\nIntegrated Disclosure Section\nType = “Due From Borrower At\nClosing\"\n\n3. Must be greater than or equal\n\nto \"0\"\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nUpdated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5)\n\nPhase UID\n\nData Point +\nEnum\n\nForm Field\nName / Context\n\nUCD v1.5 Specification\n\nSuperseding CEM Requirement\n\n2\n\n6.015\n10.141\n\nCash From\nBorrower At\nClosing Amount\n\nCash to Close -\nAmount\nCALCULATION -\nCash to Close\nFrom / To\nBorrower\n\n2\n\n6.016 |\n10.142\n\nCash To Borrower\nAt Closing Amount\n\n1. Cash To Borrower At Closing\n\nAmount does not exist\n\n2. Must be greater than or equal\n"} diff --git a/chunks/json/ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784.json b/chunks/json/ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784.json new file mode 100644 index 0000000000000000000000000000000000000000..861a8442806b5b828ce40ff8f28411dc2e89ccd9 --- /dev/null +++ b/chunks/json/ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784.json @@ -0,0 +1 @@ +{"chunk":{"char_end":117162,"char_start":115545,"chunk_id":"chk_bb2a558b1853c299","chunk_index":115,"chunk_sha256":"ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784","token_estimate":404,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Reason Not Used,” “Comment”.\n\n•\n\nIf applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text.\n\n• Columns 1:\n\n1 pica, 6 points (~6 characters max, per line, per cell)\n\n• Columns 2, 4, 5:\n\n7 picas 6 points wide (~30 characters max, per line, per cell)\n\n• Column 3:\n\n4 picas 6 points wide (~18 characters max, per line, per cell)\n\n• Column 6:\n\n16 picas 6 points (~66 characters max, per line, per cell)\n\n• Content sets as TB\n\nADDITIONAL PROPERTIES ANALYZED TABLE\n\nSales Comparison Map (H1)\n\nMap sets full page.\n\nSales Comparison Approach Exhibits (H1)\n\nFull size Photos of Sales Comparables display here, along with any other exhibits.\n\nRental Information sets as TAB.\n\nRent Schedule (H1)\n\nSubject Property Rental Information (H2)\n\nSubject Property Rental Information table\n\n• Set 10 equal column table x 45 picas, headings: (TCH) first column no TCH, “Currently\n\nRented,” “Occupancy,” “Monthly Rent,” “Month-to-Month,” “Lease Start,” “Rent Control,”\n“Rent Concessions,” “Utilities/Services Included,” “Furnished” (~17 characters max, per line,\nper cell)\n\nSUBJECT PROPERTY RENTAL INFORMATION TABLE\n\nAppendix E: Report Style Guide\n\nPage 64 of 90\n\nVersion 1.4\n\n• First table body row, first column, set as TB [Unit Identifier], brackets indicate a placeholder\n\ntext\n\n• Content sets as TB\n\nDescription of Rent Control and Impact to Value/Marketability\n\n•\n\n“Description of Rent Control and Impact to Value/Marketability” sets as TXC-B (bold lead in to\nMyriad Pro Regular text) x 45 picas\n\nActual Income (Monthly) (H2-1)\n\nLeft-hand side of page\n\n•\n\n“Actual Income (Monthly)” sets H2-1 x 22 picas\n"} diff --git a/chunks/json/ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081.json b/chunks/json/ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081.json new file mode 100644 index 0000000000000000000000000000000000000000..07c06d296a1956bcc1f477b3db5ebf7fbea4a816 --- /dev/null +++ b/chunks/json/ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54237,"char_start":52481,"chunk_id":"chk_e00fd237de96ec7e","chunk_index":32,"chunk_sha256":"ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"AppraiserTrainee\n\nHybrid;Virtual;AppraiserTrainee;YYYY-MM-DD\n\nYYYY-MM-DD\n\nRealEstateAgent\n\nHomeInspector\nInsInspector (e.g.\n*Insurance Inspector)\nOther\n\nHybrid;Virtual;RealEstateAgent;YYYY-MM-DD\n\nHybrid;Virtual;HomeInspector;YYYY-MM-DD\n\nHybrid;Virtual;InsInspector;YYYY-MM-DD\n\nHybrid;Virtual;Other;YYYY-MM-DD\n\nDesktopAppraisal\n\n1073 Desktop/465D\n\nTraditionalAppraisal\n\n1073/465\n\nPriorHybrid\n\nOther\n\nNull\n\nNull\n\nNull\n\nNull\n\nYYYY-MM-DD\nfrom PDR used in\nprior hybrid\n(inspection date =\ndate of PDR)\nNull\n\nDesktopAppraisal;PriorHybrid;;YYYY-MM-DD\n\nDesktopAppraisal;Other;;\n\nNull\n\nTraditionalAppraisal;;;\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n1\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nAppraisal Form Type\n\nSpecifies the appraisal form used to\nreport the valuation.\n\n/VALUATION_RESPONSE/REPORT/@Appra\nisalFormType\n\n10\n\nEnumerated\n\n2\n\n3\n\n4\n\n5\n\n6\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nEmbedded File\n\nN/A\n\n/VALUATION_RESPONSE/REPORT/EMBED\nDED_FILE/DOCUMENT\n\nN/A\n\nN/A\n\n1\n\n1\n\n1\n\n1\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_Title\nDescription\n\nThis is an identifier or number used\nby the appraiser to identify their\nreports. It is generally specific to the\nappraiser\nSecondary report identifier used by\nthe appraiser to identify appraisal\nreports. This field may carry the FHA\nnumber, case number, loan number or\nsome other identifier.\n"} diff --git a/chunks/json/ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb.json b/chunks/json/ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb.json new file mode 100644 index 0000000000000000000000000000000000000000..a1a5d10726049d18c08c9078819a1526c7e9dbc0 --- /dev/null +++ b/chunks/json/ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8994,"char_start":7085,"chunk_id":"chk_bff2e660ec40395d","chunk_index":4,"chunk_sha256":"ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f3ea5443d4283d2a","text_sha256":"ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb","token_estimate":475,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Executive_Compensation___FHFA_4x14xg.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Executive Compensation\n\nPolicy\n\n# Executive Compensation\n\n## Executive Compensation Rule\n\nThe Executive Compensation Rule sets forth requirements and processes with respect to compensation provided to executive officers by Fannie Mae, Freddie Mac, the FHLBanks, and the Office of Finance, consistent with the safety and soundness responsibilities of FHFA under the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The 2014 final rule is codified at 12 CFR part 1230. Link to the [Executive Compensation Rule](/regulation/federal-register/final-rule/executive-compensation-final-rule).\n"} diff --git a/chunks/json/ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5.json b/chunks/json/ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5.json new file mode 100644 index 0000000000000000000000000000000000000000..5b871884c378305d3d7b5ebad5708ad9918a63a7 --- /dev/null +++ b/chunks/json/ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":312834,"char_start":311181,"chunk_id":"chk_83d20e4f34fa0122","chunk_index":179,"chunk_sha256":"ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n\n\n\n\n \n\n\n\nsam@omegare.biz\n\n\n\n\n \n\n\n 1225551717\n \n\n\n \n \n\nSamuel\n Green\n\n\n \n \n \n\n\n\nSelling\n\n\n \n\nRealEstateAgent\n\n\n\n\n \n\nUCD v2.0 Implementation Guide\n\n- 145 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 118. XML Snippet – Example of Conditional PARTY Data.\n\n\n\n\n\n\n\n\n\nOmega Real Estate Broker, Inc.\n\n\n\n\n \n
\n\n788 Local Lane\n Mailing\n Sometown\n 12345\n ST\n\n
\n \n \n \n\n\n\nSelling\n\n\n \n\nRealEstateAgent\n\n\n\n\n \n\n\n\n