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chunks/txt/e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400.txt

@@ -0,0 +1,71 @@
+UAD Requirement - Refer to Appendix D Site Section
+This field must indicate the source of the sanitary sewer service if present and
+not public. If no sanitary sewer service is present, indicate 'None' in the
+description field.
+
+UAD Instruction - Refer to Appendix D Site Section
+This field should indicate the street type. The value 'None' should be indicated
+if none is present.
+
+String
+
+String
+
+If utilities are present, at least one of fields 1-
+99, 1-100 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-101 (Site
+Utility Non Public Description).
+If field 1-100 (Site Utility Non Public
+Indicator) is indicated, this field is required. If
+no utilities are present 'None' must be
+populated.
+If utilities are present, at least one of fields 1-
+102, 1-103 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-104 (Site
+Utility Non Public Description).
+If utilities are present, at least one of fields 1-
+102, 1-103 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-104 (Site
+Utility Non Public Description).
+If field 1-103 (Site Utility Non Public
+Indicator) is indicated, this field is required. If
+no utilities are present 'None' must be
+populated.
+If utilities are present, at least one of fields 1-
+105, 1-106 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-107 (Site
+Utility Non Public Description).
+If utilities are present, at least one of fields 1-
+105, 1-106 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-107 (Site
+Utility Non Public Description).
+If field 1-106 (Site Utility Non Public
+Indicator) is indicated, this field is required. If
+no utilities are present 'None' must be
+populated.
+If utilities are present, at least one of fields 1-
+108, 1-109 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-110 (Site
+Utility Non Public Description).
+If utilities are present, at least one of fields 1-
+108, 1-109 (Site Utility Public Indicator = 'Y'
+or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-110 (Site
+Utility Non Public Description).
+If field 1-109 (Site Utility Non Public
+Indicator) is indicated, this field is required. If
+no utilities are present 'None' must be
+populated.

chunks/txt/e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33.txt

@@ -0,0 +1,9 @@
+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.
+
+The 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.
+
+Additional 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.
+
+The 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.
+
+In 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.

chunks/txt/e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a.txt

@@ -0,0 +1,137 @@
+Unit # 7
+Owner of Public Record 12
+
+Exterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a
+ 2
+The 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.
+Property Address 6
+Borrower 11
+Legal Description 14
+Assessor’s Parcel # 15
+Project Name 18
+Occupant Owner Tenant Vacant
+Property Rights Appraised Fee Simple Leasehold Other (describe) 32
+Assignment Type Purchase Transaction Refinance Transaction Other (describe) 36
+Lender/Client 37
+Is 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
+Report data source(s) used, offering price(s), and date(s). e-2; 41
+
+Phase # 19
+Special Assessments $ 25
+
+Tax Year 16
+Map Reference 20
+
+R.E. Taxes $ 17
+Census Tract 21
+
+State 9
+County 13
+
+per year per month
+27
+
+HOA $ 26
+
+Zip Code 10
+
+Address 38
+
+S
+U
+B
+J
+E
+C
+T
+
+City 8
+
+34
+
+29
+
+23
+
+24
+
+30
+
+22
+
+33
+
+31
+
+35
+
+39
+
+28
+
+40
+
+C
+O
+N
+T
+R
+A
+C
+T
+
+N
+E
+I
+G
+H
+B
+O
+R
+H
+O
+O
+D
+
+P
+R
+O
+J
+E
+C
+T
+
+S
+I
+T
+E
+
+P
+R
+O
+J
+E
+C
+T
+
+I
+N
+F
+O
+R
+M
+A
+T
+I
+O
+N
+
+42
+
+I 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
+43
+performed. e-3; 44
+
+Contract Price $ 45
+Is 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
+If Yes, report the total dollar amount and describe the items to be paid. 52a; e-4; 52b

chunks/txt/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.txt

@@ -0,0 +1,52 @@
+</ENERGY_EFFICIENCY_AND_GREEN_DETAIL>
+ <GREEN_EFFICIENCY_RATINGS>
+
+<GREEN_EFFICIENCY_RATING>
+
+<EfficiencyRatingName>HERS</EfficiencyRatingName>
+<EfficiencyRatingOrganizationName>RESNET</EfficiencyRatingOrganizationName>
+<EfficiencyRatingScoreValue>62</EfficiencyRatingScoreValue>
+
+</GREEN_EFFICIENCY_RATING>
+
+</GREEN_EFFICIENCY_RATINGS>
+</ENERGY_EFFICIENCY_AND_GREEN>
+
+Energy Efficient and Green Features Commentary
+
+The Energy Efficient and Green Features Commentary subsection displays only when comments are provided, and the Energy Efficient and
+Green Features section is included on the report.
+
+Comments must use ValuationCommentText (UID: 0100.0044, FID: 6.016) AND ValuationAnalysisCategoryType (UID: 0100.0045, FID: 6.016) =
+“EnergyEfficiencyAndGreenFeatures”.
+
+<VALUATION_COMMENTARY>
+
+<ValuationAnalysisCategoryType>EnergyEfficiencyAndGreenFeatures</ValuationAnalysisCategoryType>
+<ValuationCommentText>Additional commentary may be added here.</ValuationCommentText>
+
+</VALUATION_COMMENTARY>
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Energy Efficient and Green Features Exhibits
+
+The Energy Efficient and Green Features Exhibits subsection displays only when images are provided, and the Energy Efficient and Green
+Features section is included on the report. All text must display above the image in bold font. (Figure 6 - 6)
+
+Page 149
+
+•
+
+•
+
+Image must be delivered using ImageCategoryType (UID: 1400.0638, FID: 6.017.1) =
+“EnergyEfficientAndGreenFeaturesExhibit”.
+Image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 6.017.2).
+
+<IMAGE>
+
+<ImageCaptionCommentDescription>Descriptive caption for exhibit.</ImageCaptionCommentDescription>
+<ImageCategoryType>EnergyEfficientAndGreenFeaturesExhibit</ImageCategoryType>
+<ImageLocationIdentifier>zip://location/EnergyEfficientAndGreenExhibit.jpg</ImageLocationIdentifier>
+<MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>

chunks/txt/e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487.txt

@@ -0,0 +1,88 @@
+/VALUATION_RESPONSE/PROPERTY[@_RightsType='Leasehold']
+
+SUBJECT
+
+Property Rights Appraised
+Other
+
+Property Rights
+Type
+
+Specifies the intended property ownership
+rights for the property.
+
+/VALUATION_RESPONSE/PROPERTY[@_RightsType='Other']
+
+Money
+
+Money
+
+UAD Instruction - Refer to Appendix D Subject Section
+Whole dollars only. If there are no special assessments applicable to the subject
+property, the appraiser should enter zero (0) in this data field.
+
+UAD Requirement - Refer to Appendix D Subject Section
+Whole dollars only. If there are no mandatory HOA fees applicable to the subject
+property, appraiser must enter zero (0) in this data field.
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+SUBJECT
+
+Property Rights Appraised
+Other (describe)
+
+Property Rights
+Type Other
+Description
+
+A free form text field used to collect
+additional information when Other is
+selected for Property Rights Type.
+
+/VALUATION_RESPONSE/PROPERTY/@_RightsTypeOtherDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+SUBJECT
+
+Assignment Type
+Purchase Transaction
+
+Appraisal Purpose
+Type
+
+Specifies the purpose of the appraisal
+assignment.
+
+/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType='Purchase']
+
+SUBJECT
+
+Assignment Type
+Refinance Transaction
+
+Appraisal Purpose
+Type
+
+Specifies the purpose of the appraisal
+assignment.
+
+/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType='Refinance']

chunks/txt/e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d.txt

@@ -0,0 +1,40 @@
+4.3.3 (2) Can go as high as <$>…
+4.3.3 (2) …in year <#>
+
+19.8 Maximum Payment <$>…
+19.8 …starting at <#> payment
+
+▪ Only concerned with first adjustment
+▪ Describes change events in terms of years
+
+▪ Describes both first & subsequent adjustments
+▪ Describes change events in terms of months
+
+Appendix E: UCD Implementation Guide
+
+Page 198 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+19.0 Adjustable Payment (AP) Table
+
+C. FOR MORE I NFORMAT I ON
+
+19.0 Reg §1026.38(m), pp. 80127, 80359, 80036; 38(m)-1 = Cross Reference to §1026.37(i) pp. 80118-19,
+
+80345-6, 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.
+80149.
+
+19.1 §1026.37(i)(1) p. 80118, 79970; §1026.37(a)(10)(ii)(B) p. 80113
+
+19.2 §1026.37(i)(2) p. 80118, 79970; §1026.37 (i)-2.
+
+19.3 §1026.37(i)(3) p. 80118, 79970; §1026.37(a)(10)(ii)(C) p. 80113
+
+19.4 §1026.37(i)(4) p. 80118 ,79970; §1026.37(i)(2)(iv) p. 80345; §1026.37(a)(10)(ii)(E) p. 80113;.
+
+19.5 §1026.37(i)(5)-1 pp. 80118, 80345, 79970.f
+
+19.6 §1026.37(i)(5)(i) p. 80119, 79970; 37(i)(5)-2 p. 80346.

chunks/txt/e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be.txt

@@ -0,0 +1,141 @@
+Unit Interior: Quality and Condition – Kitchen and Bathroom Details
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+10.037
+
+Room
+
+0700.0035
+
+RoomType
+
+0700.0121
+
+LevelType
+
+Display for each Kitchen and Bath in unit
+
+10.038
+
+Update Status
+
+0700.0036
+
+RoomUpdateStatusType
+
+Display for each Kitchen and Bath in unit
+
+10.039
+
+Time Frame
+
+0700.0034
+
+RoomUpdatedTimeframeType
+
+Display when RoomUpdateStatusType = "FullyUpdated" OR
+"PartiallyUpdated"
+
+10.040
+
+Quality Comment
+
+0700.0044
+
+RoomQualityDescription
+
+Display when provided
+
+10.041
+
+Condition Status
+
+0700.0033
+
+RoomConditionStatusType
+
+Display for each Kitchen and Bath in unit
+
+10.042
+
+Condition Comment
+
+0700.0113
+
+RoomConditionAdditionalDescription
+
+Display when provided
+
+10.043
+
+Overall Update Status for
+Bathrooms
+
+0700.0117
+
+OverallBathroomsUpdateStatusType
+
+Always display
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 10 - 10
+
+Page 187
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 188
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Interior Features
+
+The Interior Features table provides specifics about the interior quality and condition ratings. It includes a row for each of the following:
+
+Page 189
+
+• Flooring
+• Walls and Ceiling
+• Other, if provided
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+10.044
+
+Flooring
+
+0700.0046
+
+ImprovementComponentType = “Flooring”
+
+Always displays
+
+Unit Interior: Quality and Condition
+
+10.045
+
+Detail
+
+0700.0041
+
+FlooringType
+
+Display when ImprovementComponentType = "Flooring"
+
+- When there are multiple types of flooring in the unit, each flooring type displays on a

chunks/txt/e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d.txt

@@ -0,0 +1 @@
+{"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. 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); })();

chunks/txt/e4ed9d9b13aac00bc3d47f7c22d51371f2f39d2743f2ddcf92e8cbf7b44ce88f.txt

@@ -0,0 +1,105 @@
+Add comment if needed.
+
+Typical Wear and Tear
+
+Rust noted on the roof.
+Metal galvanized roofs can
+deteriorate when rust forms.
+No ruptures or leaks noted at
+the time of inspection.
+
+Windows
+
+Insulated
+
+Add comment if needed.
+
+New or Like New
+
+Add comment if needed.
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+None
+
+None
+
+Detail
+Typical for Market
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 2)
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Roof
+
+Location
+Entire Roof
+
+Description
+Rust noted on the roof. Metal galvanized roofs
+can deteriorate when rust forms. No ruptures
+or leaks noted at the time of inspection.
+
+Affects Soundness or
+Structural Integrity
+No
+
+Recommended
+Action
+None
+
+Dwelling Exterior Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 10 of 29
+
+Dwelling Exterior - Building 2 (continued)
+
+Dwelling Exterior Exhibits
+
+Dwelling Rear
+
+Apparent Defects, Damages, Deficiencies - Roof
+
+This is where the Dwelling 2 Rear photo would display.
+
+This is where the Dwelling 2 Roof Defect photo would display.
+
+Unit Interior - Building 2 - Unit 2
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+864 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Assessor Record
+Physical Measurement
+
+Levels in Unit
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half

chunks/txt/e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c.txt

@@ -0,0 +1,104 @@
+Predefined text that
+displays when
+Personal Onsite
+Inspection Performed
+is Yes
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 30 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+09 Certifications and Intended Use / User
+
+Report
+Field ID
+
+09.014
+
+Appraiser Certifications: Cert 6 (Personal Onsite Inspection by Appraiser)
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+I certify that I
+did not perform
+a personal
+onsite inspection
+…
+
+Predefined text that
+displays when
+Personal Onsite
+Inspection Performed
+is No
+
+09.015 Description:
+
+Required when
+Personal Onsite
+Inspection Performed
+is No
+
+Free-form
+
+Describes how the appraiser determined that the conditions or requirements
+stated in the original appraisal report have been satisfied.
+
+Additional Appraiser Certifications
+
+Additional appraiser certifications may be added when relevant.
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Additional Appraiser Certifications
+
+Always required
+
+Yes | No
+
+Additional Appraiser Certifications
+Indicates whether there are additional appraiser certifications.
+
+This is an
+appraiser input
+that does not
+display
+
+09.018 N/A
+
+Displays when
+Additional Appraiser
+Certifications is Yes
+
+Free-form
+
+Additional Appraiser Certification Text
+Additional certifications that are required, such as designations.
+
+Note: Additional appraiser certifications cannot be contrary to, and should not
+repeat, the predefined appraiser certification text.
+
+Appendix F-3: Completion Report Reference Guide

chunks/txt/e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5.txt

@@ -0,0 +1,150 @@
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Dwelling(s)
+
+22.05.13
+22.05.43
+
+Window
+Surface Area
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Number of square
+feet
+
+22.05.14
+22.05.45
+
+Functional
+Issues
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+22.05.15
+22.05.47
+
+Disaster
+Mitigation
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+guidance column
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+guidance column
+
+Dwelling Exterior, for
+each dwelling
+• Window Surface
+Area 8.016
+
+Functional
+Obsolescence
+•
+
+Functional Issue
+11.000
+
+Yes
+22.05.44
+
+Yes
+22.05.46
+
+Disaster Mitigation
+• Mitigation Feature
+
+Yes
+22.05.48
+
+5.000
+
+22.05.16
+22.05.49
+
+Heating
+
+Always
+
+Always required
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+guidance column
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Heating System
+Type 8.049
+
+Yes
+22.05.50
+
+Window Surface Area for all Dwellings
+•
+
+For the subject property, calculated: The sum of the Window
+Surface Area for all dwellings.
+For the comparables, report the total window surface area for all
+dwellings as a single number.
+
+•
+
+•
+•
+•
+•
+•
+•
+•
+
+None
+Ceiling Height
+Floor Plan
+Nonconformity
+Overimprovement
+Underimprovement
+Other (Describe)
+
+None
+Enclosed Soffits
+Fire Resistant Decking
+Fire Resistant Exterior Walls
+Flood Vents
+Fortified Roof
+Framing Anchoring or Bracing
+Impact Resistant Glass
+Impact Resistant Shingles
+Noncombustible Perimeter
+Storm Shelter
+Storm Shutters

chunks/txt/e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553.txt

@@ -0,0 +1,34 @@
+Individual Cooperative Interest Appraisal Report (2090)
+
+3. Are form numbers going away?
+
+Yes. With the new URAR, the data that describes the subject property drives the appraisal report, not a form type
+or number. Use the Functioning Without Form Numbers document to:
+
+• Help understand how the URAR's dynamic structure along with discrete and repeatable data replaces the
+
+legacy form numbers
+
+• Assist with transitioning to the redesigned report
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the
+Federal Housing Finance Agency.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+P a g e | 2
+
+4. What is the process for completing an appraisal update or completion report under UAD 3.6?
+
+If the appraisal report was completed using a legacy form, the 1004D / 442 would be used, but if completed on
+the new URAR, the new Completion Report and/or new Restricted Appraisal Update Report would be used.
+These are now individual reports, each with their own accompanying specification. Refer to Appendix D-2 and D-
+3 for examples of the new reports.
+
+5. When is it acceptable to use the legacy Single Family Comparable Rent Schedule (1007 / 1000)?
+
+In most situations, estimating the monthly market rent will be part of the appraisal assignment and included in
+the new URAR under the Rental Information section.
+
+When the need arises to establish a monthly market rent after the URAR has been completed, then the original
+appraiser must be engaged to amend the original URAR to include the Rental Information section.

chunks/txt/e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780.txt

@@ -0,0 +1,56 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+#### Search & Filter
+
+Keyword
+
+Published Date From:
+
+To:
+
+## Search & Filter
+
+Keyword
+
+Published Date From:
+
+To:
+
+# Videos
+
+- Video
+
+February 25, 2025
+
+## [FHFA House Price Index for 2024 Q4](/media/video/fhfa-house-price-index-for-2024-q4)
+
+![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)
+ - Video

chunks/txt/e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145.txt

@@ -0,0 +1,38 @@
+The DwellingExteriorDefectsExistIndicator (UID: 0300.0097, FID: 8.055) triggers the following:
+
+• When false, display “None” below the subsection header (gray bar) and the table does not display.
+
+• 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
+
+report” below the subsection header (gray bar) in italics and the following data is required (Figure 8 – 6):
+
+o Feature - DefectComponentLabelType (UID: 3900.0060, FID: 8.056)
+
+▪ Display each feature on a separate row. When the same feature has multiple defects, repeat the entire row.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+o Location - DefectItemLocationType (UID: 3900.0158, FID: 8.057)
+
+o Description - DefectItemDescription (UID: 3900.0057, FID: 8.058)
+
+o Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0056, FID:
+
+8.059)
+
+o Recommended Action - DefectItemRecommendedActionType (UID: 3900.0059, FID: 8.060)
+
+Figure 8 - 6
+
+Page 166
+
+Dwelling Exterior Commentary
+
+The Dwelling Exterior Commentary subsection displays only when comments are provided. Any commentary must use
+StructureValuationCommentText (UID: 0300.0096, FID: 8.061).
+
+Dwelling Exterior Exhibits
+
+The Dwelling Exterior Exhibits subsection displays only when images are provided. All text displays above the image in bold font.
+• Deliver images of Noncontinuous Area using ImageCategoryType (UID: 1400.0638, FID: 8.047.1) = “NoncontinuousArea”.
+• Deliver images of Dwelling Exterior Defects using DefectComponentLabelType (UID: 0300.0101, FID: 8.056.1) include an image caption

chunks/txt/e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e.txt

@@ -0,0 +1,75 @@
+Left-hand side of page
+
+•
+
+“Effective Date of Appraisal,” “Assignment Reason,” “Borrower Name,” “Current Owner of
+Public Record,” “Contract Price,” “Listing Status” set as TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“Property Valuation Method,” “Appraiser Name” set as TXR-B, TXR.
+
+Property Description (H1)
+
+Left-hand side of page
+
+•
+
+•
+
+•
+
+•
+
+“Construction Method,” “Attachment Type,” and “Structure Design” set as TXR-B, TXR.
+
+“Yes” ”No” (Y/N) followed by “Planned Unit Development (PUD),” “Condominium,”
+“Cooperative,” “Condop,” “Observed Project Deficiencies,” “Subject Site Owned in Common”
+set initial cap as CK1.
+
+“Units Excluding ADUs,” “Accessory Dwelling Units,” “Property Rights Appraised” set initial
+cap TXR-B, TXR.
+
+“Yes” ”No” (Y/N) followed by “Is the highest and best use of the subject property as improved
+(or as proposed per plans and specifications) the present use?” sets sentence case as CK1.
+
+Appendix E: Report Style Guide
+
+Page 32 of 90
+
+Version 1.4
+
+•
+
+“Property Restriction,” “Encroachment,” “Zoning Compliance,” “HUD Data Plate Attached,”
+“HUD Label Present for All Sections” set as TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“Overall Quality” and “Overall Condition” set as TXR-B, TXR at top of right-hand column.
+
+• Below – Photo of Subject Property sets on right, adjacent to Property Description, no caption
+
+(maximum size 22 picas x
+13 picas 3 points).
+
+Apparent Defects, Damages, Deficiencies Requiring Action (H1)
+
+• Heading (as above) sets as H1.
+
+•
+
+•
+
+•
+
+•
+
+•
+
+If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed
+below represent the As Is condition as of the effective date of this report”.

chunks/txt/e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561.txt

@@ -0,0 +1,21 @@
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics
+of the area where the property is located.
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that
+apply to the appraiser and to the assignment.
+
+4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender
+identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the
+present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other
+basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and
+limiting conditions herein.
+
+6. I certify that I did perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in the
+original appraisal have been satisfied.
+
+7. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal
+and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of
+my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.

chunks/txt/e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e.txt

@@ -0,0 +1,51 @@
+ Major components or rooms that have been recently updated, but which do not
+
+constitute a full‐home renovation/remodel.
+
+Examples of major components include but are not limited to a combination of (one or more):
+
+
+
+
+
+Newer roof
+Some newer mechanicals
+New / newer floor coverings
+Remodeled kitchen or bathroom(s)
+
+A dwelling in C4 condition may have experienced some periodic updating but most
+components are near the middle of their life cycle. Common deferred maintenance resulting
+from typical use is apparent but presents no immediate impact.
+
+Examples include, but are not limited to:
+ Minor damage to walls or trim (interior or exterior)
+ Worn floor finishes or carpet that shows age
+
+
+Kitchen or bathrooms that are dated but fully functional
+
+A dwelling in C5 condition has items that will need to be repaired, rehabilitated, or replaced in
+the near future for the dwelling to remain useable and functional.
+
+Examples include, but are not limited to:
+
+
+
+
+Roofing that is significantly worn, cupped, or curled but with no apparent active leaks
+Severely worn, damaged, or missing floor coverings
+Functional kitchen or bathroom that may be in disrepair (e.g., damaged or missing
+cabinets or countertops).
+
+A dwelling in C6 condition is not useable or functional in its current state, and will require
+immediate repairs, rehabilitation, or replacement of key components.
+
+Examples include, but are not limited to:
+
+
+
+Active roof leaks
+Damaged or missing exterior components that allow weather intrusion into the dwelling
+with resultant structural impact or damage
+Damaged or failing foundation
+No functional kitchen or bathrooms

chunks/txt/e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14.txt

@@ -0,0 +1,119 @@
+CR
+
+The sum of this field 3-78 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-
+76, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+The sum of this field 3-80 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-
+76, 3-78, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+CR
+
+T
+
+CR
+
+R
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 160 of 211
+
+Document Version 1.4
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+419
+
+3
+
+82
+
+420
+
+421
+
+422
+
+3
+
+3
+
+3
+
+e-17
+
+83
+
+84
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction Adjustment
+
+Sale Price
+Adjustment Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the property
+feature identified by Sale Price
+Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='Quality']/@_Amount
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+GSE Age
+Estimation Indicator
+
+Indicates whether the age of the property
+is estimated.

chunks/txt/e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789.txt

@@ -0,0 +1,29 @@
+Rental Income
+
+The Selling Guide states that if the borrower does not own a principal residence and does not have a current housing expense,
+rental income from the subject property cannot be used, and rental income from a new non-subject property (new or newly
+placed in service less than a year) cannot be used.
+
+The following updates will be made in DU to remind lenders of this requirement:
+
+▪ The documentation messages for subject rental income and non-subject rental income will be updated.
+
+▪ The message issued requiring the amount of the rental housing expense to be verified and documented will also be
+
+issued on 2- to 4-unit principal residence transactions.
+
+▪ A new message will be issued when the borrower does not have a present housing expense disclosed on the loan
+application and subject property rental income provided on the loan application is used to qualify the borrower.
+
+Other Employment Income
+
+The message issued when an employment income type of Other is provided on the loan application will now be issued anytime
+that income type is provided for the primary employment for a borrower who is not self-employed. This message will also be
+updated to remind lenders that if the other employment income is business income and the borrower’s ownership share is less
+than 25%, the most recent two years of signed individual federal income tax returns and the most recent two years of IRS
+Schedule K-1 need to be obtained.
+
+The messages issued on second jobs for borrowers who are not self-employed will also be updated with this same reminder.
+
+Note: Any employer on the loan application where the borrower has indicated they are self-employed but the ownership
+share is less than 25% are not considered self-employed by DU.

chunks/txt/e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/chief-foia-officer-report"
+date_accessed: "2026-01-27T17:47:57.147Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec.txt

@@ -0,0 +1,71 @@
+SubjectToCompletionFeatureLocation
+Description
+
+Display when
+PropertyImprovementsCompletedPerPlansIndicator = “false”
+
+05.005
+
+Comparison to Original
+Plans/Specs
+
+05.006
+
+Comment
+
+2800.0005
+
+2800.0006
+
+SubjectToCompletionFeatureCompari
+sonType
+SubjectToCompletionFeatureIncomple
+teOrInconsistentDescription
+
+Display when
+PropertyImprovementsCompletedPerPlansIndicator = “false”
+ Display when
+PropertyImprovementsCompletedPerPlansIndicator = “false”
+
+Example 1: Construction is completed in a manner consistent with the original plans. (figure 05 - 1)
+
+Figure 05 - 1
+
+Example 2: Construction in not complete. Commentary must be provided. (Figure 05 - 02)
+
+Figure 05 -02
+
+Page 25
+
+Example 3: Construction completed in a manner not consistent with plans. Each feature not consistent with the original plans and specifications must
+display in the table. (Figure 05 - 3)
+
+Figure 05 - 3
+
+Page 26
+
+06 Completion Report Commentary
+
+The Completion Report Commentary section displays when comments are provided. Any commentary must use AppraisalCompletionCommentText (UID:
+2800.0007, FID: 06.001)
+
+Page 27
+
+<VALUATION_COMPLETION_DETAIL>
+
+<AppraisalCompletionCommentText>Commentary provided here.</AppraisalCompletionCommentText>
+
+</VALUATION_COMPLETION_DETAIL>
+
+07 Completion Report Exhibits
+
+The Completion Report Exhibits section displays when images are provided. All text must display above the image in bold font.
+
+Page 28
+
+Itemized List of Repairs
+
+•
+
+Images provided for Itemized List of Repairs are delivered in the IMAGE container located in the instance of the DEFECT container that represents
+the given defect and the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on report) = “false”,

chunks/txt/e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/media"
+date_accessed: "2026-01-27T17:54:20.328Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1.txt

@@ -0,0 +1,47 @@
+ADDRESS OF PROPERTY APPRAISED
+19 ___________________________________________________
+20a, 20b, 20c __________________________________________
+APPRAISED VALUE OF SUBJECT PROPERTY $ 21 __________
+
+LENDER/CLIENT
+Name 22 _____________________________________________
+Company Name 23 _____________________________________
+Company Address 24 ___________________________________
+ _____________________________________
+Email Address 26 ______________________________________
+
+Signature ___________________________________________
+Name 27 ___________________________________________
+Company Name 28 __________________________________
+Company Address 29 _________________________________
+ 30a, 30b 30c_________________________
+Telephone Number 31 ________________________________
+Email Address 32 ____________________________________
+Date of Signature 33 _________________________________
+State Certification # 34 ________________________________
+or State License # 35 _________________________________
+State 36 ___________________________________________
+Expiration Date of Certification or License 37 ______________
+SUPERVISORY APPRAISER
+
+SUBJECT PROPERTY
+ Did not inspect exterior of subject property
+38
+39
+ Did inspect exterior of subject property from street
+
+Date of Inspection 40 _______________________________
+
+COMPARABLE SALES
+41
+ Did not inspect exterior of comparable sales from street
+ Did inspect exterior of comparable sales from street
+42
+
+Date of Inspection 43 _______________________________
+
+Freddie Mac Form 2055 March 2005 226
+
+Page 6 of 6
+
+Fannie Mae Form 2055 March 2005

chunks/txt/e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59.txt

@@ -0,0 +1,19 @@
+- **Advance Notice of Proposed Rulemaking.**
+
+In this optional step, we publish initial analysis of the subject and ask for public comment.
+ - **Proposed Rule.**
+
+The 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.
+ - **Public Comment.**
+
+After 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.
+ - **Final Rule.**
+
+After 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.
+ In some cases, we may publish a second draft proposed rule. This and any subsequent drafts also appear in the Federal Register.
+
+Once 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).
+
+## Ex Parte Communications in Connection with FHFA Rulemakings
+
+FHFA 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.

chunks/txt/e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48.txt

@@ -0,0 +1,19 @@
+[**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide)
+
+This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.
+
+[**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report)
+
+This 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.
+
+[**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification)
+
+This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.
+
+[**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide)
+
+The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.
+
+[**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout)
+
+This 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.

chunks/txt/e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222.txt

@@ -0,0 +1,39 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - Update On The Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)
+
+# Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)
+
+On 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.

chunks/txt/e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560.txt

@@ -0,0 +1,403 @@
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+N/A
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+T
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+R
+
+R
+
+R
+
+R
+
+T
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+T
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+N/A
+
+T
+
+T
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 8 of 211
+
+Document Version 1.4
+
+MISMO Data Point Name
+
+Living Unit Count
+
+Gross Living Area Square Feet Count
+
+Gross Living Area Square Feet Data Source Description
+
+Total Room Count
+
+Total Bedroom Count
+
+Total Bathroom Count
+
+Structure Accessory Unit Exists Indicator**
+
+Attachment Type
+
+.PROPERTY
+..STRUCTURE
+...STRUCTURE_DATA_SOURCE
+Data Source Type
+
+Data Source Type Other Description
+
+.PROPERTY
+..STRUCTURE
+...EXTERIOR_FEATURE
+Exterior Feature Type**
+
+Exterior Feature Description**
+
+.PROPERTY
+..STRUCTURE
+...FOUNDATION
+Foundation Type**
+
+Foundation Exists Indicator**
+
+.PROPERTY
+..STRUCTURE
+...FOUNDATION
+…._CONDITION
+Foundation Condition Type**
+
+Foundation Condition Exists Indicator**
+
+.PROPERTY
+..STRUCTURE
+...FOUNDATION_FEATURE
+Foundation Feature Type**
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+1004/70
+
+1004
+Hybrid/
+70H
+
+1004
+Desktop/
+70D
+
+T
+
+R
+
+T
+
+R
+
+T
+
+R
+
+N/A
+
+N/A
+
+N/A
+
+R
+
+R
+
+R
+
+T
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+2055
+
+1073/465
+
+1073
+Hybrid/
+465H
+
+1073
+Desktop/
+465D
+
+1075/466
+
+T
+
+R
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+R
+
+N/A
+
+R
+
+R
+
+R
+
+N/A
+
+N/A
+
+N/A
+
+R
+
+N/A
+
+R
+
+R
+
+R
+
+N/A
+
+N/A
+
+N/A
+
+R
+
+N/A
+
+R
+
+R
+
+R
+
+N/A
+
+N/A
+
+N/A
+
+N/A

chunks/txt/e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c.txt

@@ -0,0 +1,39 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# Credit Risk Transfer Progress Report
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - Credit Risk Transfer Progress Report
+
+The 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.

chunks/txt/e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab.txt

@@ -0,0 +1,106 @@
+Sales Contract
+
+Is there a sales contract?
+Was sales contract information analyzed?
+Does this appear to be an arm’s length transaction?
+
+Yes No
+ 
+ 
+ 
+
+Contract Price
+Contract Date
+Transfer Terms
+Personal Property Conveyed
+
+$866,000
+04/10/2019
+Typically Motivated
+No
+
+Financial Sales Concessions
+
+Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property
+
+Known Sales Concessions
+
+No
+
+Sales Contract Analysis
+
+The subject’s sales contract was analyzed with no seller concessions reported.
+
+Prior Sale and Transfer History
+
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Transfer Terms
+Typically Motivated
+
+Date
+08/16/2016
+
+Amount
+$750,000
+
+Data Source
+Assessor Record
+
+Analysis of Prior Sale and Transfer History of Subject Property Sale from builder to current owner.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+Typically Motivated
+
+Data Source
+Assessor Record
+
+Date
+12/12/2018
+
+Amount
+$725,000
+
+2
+
+3
+
+4
+
+5
+
+None
+
+None
+
+Typically Motivated
+
+05/30/2017
+
+$715,000
+
+None
+
+MLS
+
+MLS
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Comparables #1 and #4 are the only properties that have had a transfer
+within the past two years.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+Uniform Residential Appraisal Report
+
+Page 13 of 22

chunks/txt/e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685.txt

@@ -0,0 +1,85 @@
+Always displays
+−
+
+Each SiteInfluenceType displays once (Figure 4 - 6), unless:
+
+o ApparentEnvironmentalCondition
+o
+
+BodyOfWater
+
+Display when EnvironmentalConditionType <> "None" AND
+(SiteInfluenceProximityType = "Bordering" OR "Offsite")
+− Display Proximity followed by a “|” then the Distance and Unit of Measure
+(Feet, Kilometers, Meters, Miles) in same cell (e.g., Offsite | 1 Mile)
+For distances less than one mile display a leading zero to the left of the
+decimal point, e. g., Offsite | 0.02 Mile
+
+−
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Site: Site Influence
+
+1500.0018
+
+EnvironmentalConditionProximityType
+
+Display when EnvironmentalConditionType <> "None"
+
+1500.0076
+
+BodyOfWaterProximityType
+
+Display when SiteInfluenceType = "BodyOfWater"
+
+1500.0086
+
+SiteInfluenceProximityType
+
+Display when SiteInfluenceType <> "BodyOfWater"
+
+Page 122
+
+1500.0068
+
+SpecialAirportHazardZoneType
+
+1500.0084
+
+InfluenceMeetsPolicyRequirementsIndicator
+
+4.027
+
+Detail
+
+1500.0016
+
+EnvironmentalConditionType
+
+1500.0073
+
+BodyOfWaterType
+
+Display when GovernmentAgencyAppraisalIndicator = "true" AND
+SiteInfluenceType = "Airport"
+Display when GovernmentAgencyAppraisalIndicator = "true" AND
+(SiteInfluenceType = "LocalDistributionLine" OR
+"OverheadElectricPowerTransmissionLine" OR "HighPressureGasLine")
+Display when EnvironmentalConditionType <> "None"
+−
+
+If <> "None", display a separate "Apparent Environmental Condition" row
+in the Site Influence table for each environmental condition
+If "None", do not display a row for "Apparent Environmental Conditions"

chunks/txt/e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13.txt

@@ -0,0 +1,29 @@
+## Federal Employee Viewpoint Survey
+
+​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.
+
+[**2024 FEVS Results**](/sites/default/files/2025-03/2024-FHFA-FEVS-Results_0.pdf)
+
+[**​Previous Survey Results**](/careers/employee-survey-results)
+
+## Additional Information
+
+- ![woman meditating at desk](/sites/default/files/2024-08/careers-benefits_0.jpg)
+
+## Benefits
+
+We 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.
+
+[Read More](/about/careers/benefits)
+
+- ![woman sitting in wheelchair smiling looking at laptop](/sites/default/files/2024-08/careers-reasonable-accomodations.jpg)
+
+## Reasonable Accommodations and Personal Assistance Services
+
+FHFA 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).
+
+[Read More](/about/careers/reasonable-accommodation)
+
+- ![Graduates throwing cap in air](/sites/default/files/2024-08/students-and-recent-graduates-careers_1.jpg)
+
+## Students & Recent Graduates

chunks/txt/e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07.txt

@@ -0,0 +1,56 @@
+Jul 10, 2023
+
+Lock MBS Pools Prior
+to Settlement Date
+
+Changes are not permitted to MBS Pools in the days immediately preceding the settlement date. To systematically support
+this policy and prevent inadvertent changes by users, MBS Pools will be locked in Loan Delivery as follows:
+
+•
+
+Fannie Majors®– pools will be locked at 7:00 pm ET two business days prior to the settlement date.
+
+• Single-Issuer – pools will be locked at 7:00 pm ET one business day prior to the settlement date.
+
+Jul 24, 2023
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+© 2023 Fannie Mae Page 3 of 5
+
+• Edits related to Closing Data changing to fatal severity.
+• New warning edits related to Investor, Pool, Closing Data, and DU Compare
+
+Aug 28, 2023
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+• New warning edits related to Closing Data.
+
+Sep 1, 2023
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+Sep 25, 2023
+
+Edit Updates
+
+• Edits related to Shared Equity and Resale Restrictions are changing from warning to fatal severity.
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+• Edits related to Mortgage Insurance and Closing data are changing from warning to fatal severity.
+
+Oct 30, 2023
+
+CPM Edits
+
+In accordance with Selling Guide Announcement (SEL-2023-02):

chunks/txt/e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0.txt

@@ -0,0 +1,7 @@
+Financial Sales Concessions (H1) ........................................................................................................................ 58
+
+Sales Contract Analysis (H1) ............................................................................................................................... 58
+
+Sales Contract Exhibits (H1) ................................................................................................................................ 58
+
+Prior Sale and Transfer History ...................................................................................................................... 58

chunks/txt/e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e.txt

@@ -0,0 +1,120 @@
+TCH
+
+TB
+
+Score
+Score
+
+Check #A
+
+Check #A
+
+H1
+
+Energy Efficient and Green Features Impact to Value/Marketability
+Energy Efficient and Green Features Impact to Value/Marketability
+
+TXR-B
+
+Impact to Value/Marketability
+Impact to Value/Marketability
+
+TXC-B
+
+Description
+Description
+
+Energy Efficient and Green Features Commentary
+Energy Efficient and Green Features Commentary
+
+H1
+TXC
+
+H1
+
+Energy Efficient and Green Features Exhibits
+Energy Efficient and Green Features Exhibits
+
+FTR-L
+
+FTR-R
+
+Appraiser 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
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+HDR-L
+
+TAB
+
+Sketch
+
+TXC-I
+
+Sketch or Floor Plan Not Available
+
+TXR-B
+
+Measurement Standard
+
+Sketch Commentary
+
+H1
+
+TXC
+
+FTR-L
+
+FTR-R
+
+Appraiser 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
+
+HDR-L
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+TAB
+
+Dwelling Exterior - [Structure Identifier]
+
+TXR-B
+
+TXR-B
+
+TXC-B
+
+TXC-B
+
+H1
+
+TXR-B
+
+TXC-I
+
+Subject Property Units in
+Structure
+Structure Design
+Floors in Building
+Dwelling Style
+Front Door Elevation
+Townhouse End Unit
+Townhouse Back to Back
+Units Above or Below
+Townhouse Location
+Year Built
+Construction Method
+Converted Area
+Converted Area and Similarity
+to Rest of Living Area
+Factory Built Certification
+Structure Volume
+Window Surface Area
+Attic
+Remaining Economic Life
+Effective Age
+
+Commentary on Remaining Economic Life

chunks/txt/e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0.txt

@@ -0,0 +1,89 @@
+Right-hand side of page
+
+•
+
+•
+
+“Attachment Type,” “Units Excluding ADUs,” “Accessory Dwelling Units,” “Dwellings
+Containing Units,” “Special Tax Assessments” set as TXR-B, TXR.
+
+“Description of Special Tax Assessments and Impact to Value/Marketability” set as TXC-B1
+(bold lead in to Myriad Pro Regular text).
+
+Ownership Rights (H1)
+
+Left-hand side of page
+
+•
+
+•
+
+•
+
+“Property Rights Appraised” set as TXR-B, TXR followed by “Community Land Trust,” “Native
+American Lands” set as TXR-I, TXR.
+
+“Ground Rent Annual Amount” set as TXR-B, TXR, followed by “Renewable,” “Term,”
+“Expires” set as TXR-I, TXR.
+
+“Description of Ground Rent and Impact to Value/Marketability”: Sets as TXC-B1 (bold lead in
+to Myriad Pro Regular text).
+
+Appendix E: Report Style Guide
+
+Page 36 of 90
+
+Version 1.4
+
+Right-hand side of page
+
+•
+
+•
+
+•
+
+•
+
+“All Rights Included in Appraisal,” set as TXR-B, TXR.
+
+“Rights Not Included” sets as TXR-I, TXR.
+
+“Mineral Rights Leased,” sets as TXR-B, TXR.
+
+“Description of Rights Not Included”: sets as TXC-B1 (bold lead in to Myriad Pro Regular text).
+
+Legal Description (H1)
+
+• Either an image or text.
+
+•
+
+•
+
+Image sizes to full page width (45 picas wide).
+
+If text, set as TXC (Myriad Pro Regular), below the H1 x 45 picas.
+
+Subject Property Commentary (H1)
+
+• Set Commentary as TXC x 45 picas.
+
+Subject Property Exhibits (H1)
+
+• Subsection does not display if there are no exhibits.
+
+“Site” sets as TAB.
+
+Left-hand side of page
+
+•
+
+“Total Site Size” and “Dimensions,” sets as TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“Number of Parcels” sets as TXR-B, TXR and indented sub information “Contiguous,”
+“Elements Dividing Parcels” set as TXR-I, TXR.

chunks/txt/e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f.txt

@@ -0,0 +1,137 @@
+Money
+
+String
+
+Money
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This data is referenced more than once on the form, and must be represented
+consistently.
+
+PDF Display Format:
+Whole dollars only
+
+PDF Display Format:
+Whole numbers only.
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 164 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+121
+
+INCOME
+
+Gross Rent Multiplier
+
+Gross Rent
+Multiplier Factor
+
+Specifies the Gross Rent Multiplier for
+the subject property. (e.g. Actual Sales
+Price divided by Actual Gross Monthly
+Rent = Gross Rent Multiplier (GRM))
+
+/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/
+@GrossRentMultiplierFactor
+
+122
+
+INCOME
+
+Indicated Value of Income Approach
+
+Value Indicated By
+Income Approach
+Amount
+
+The dollar value of the subject property
+indicated by the Income Approach method
+of property valuation.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/
+@ValueIndicatedByIncomeApproachAmount
+
+Data Point Field
+Length
+
+9
+
+12
+
+Format
+
+Numeric
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+This data is referenced more than once on the form (field 3-125), and must be
+represented consistently.
+
+PDF Display Format:
+Whole numbers only.
+
+Implementation Notes
+
+Conditionality Description

chunks/txt/e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa.txt

@@ -0,0 +1,31 @@
+20.1 and 20.3 INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE holds the data points specifying the margin, floor
+and ceiling interest rates and the date of the first rate change. The reason the “Lifetime” rule is used is that
+these terms are known at the time the loan is closed and are in effect for the entire life of the loan.
+CeilingRatePercent and FirstRateChangeMonths Count are disclosed in both the Loan Terms and AIR Tables, but
+appear in the XML file only once.
+
+Appendix E: UCD Implementation Guide
+
+Page 211 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+20.0 Adjustable Interest Rate (AIR) Table
+
+20.4 and 20.6 INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE qualified by a value of “First” for
+AdjustmentRuleType, provides the data points used to represent the rate cap in place for the first adjustment
+period (when the rate adjusts for the first time). AdjustmentRuleType = “First” and “PerChangeRateAdjustment
+Frequency Months Count” support values disclosed in both the Loan Terms and AIR Tables, but appear in the
+XML file only once.
+
+20.5 and 20.7 The second instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE is qualified by the
+data point AdjustmentRuleType = “Subsequent” and represents the rate cap in place for the second and all
+subsequent adjustment periods, as well as the number of months between changes.
+
+20. 1 – 20. 7 STEP RATE LOAN
+
+When the interest rate on the loan changes based on a schedule rather than on an external index, the loan is a
+step rate loan. For example: 30-year Mortgage with Step Rate | Rate increases by 1% every year for 3 years then
+remains fixed thereafter

chunks/txt/e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919.txt

@@ -0,0 +1,55 @@
+the iGuide or UAD Spec for more information.
+
+• Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or
+
+USDA appraisals.
+
+• Field Names in the Reference Guide use business terminology and are in italics.
+
+o Field Names provide additional clarity to the Report Label, and express conditionality (“When to
+
+include”) in business terms.
+
+o Field Names in the Reference Guide are similar to, but not the same as, the MISMO Data Point
+
+Name in the iGuide and UAD Spec.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 6 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Key Concepts
+
+Intended Use of the Completion Report
+
+Overview
+
+The intended use of the Completion Report is to confirm whether the conditions stated in the original appraisal
+report have been met. The Completion Report does not provide an opinion of value.
+
+Sections of the Completion Report
+
+The Completion Report can be used for:
+•
+• Completion Status (new construction or incomplete construction).
+
+Items the appraiser identifies as needing repair.
+
+Repair Items
+
+If there are repair items, they can display in one of two sections of the Completion Report:
+
+• The Itemized List of Repairs section shows Defects, Damages, or Deficiencies from the original appraisal that
+
+required repair.
+
+• The New Observed Items for Repair section provides space to report items that were observed in a
+
+subsequent inspection.
+
+If there are no repair items identified in the original appraisal or upon a subsequent inspection, neither section
+displays, and the appraiser completes the Completion Status section.

chunks/txt/e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193.txt

@@ -0,0 +1,44 @@
+Apr. 24, 2023
+
+MBS Enhancements
+
+Fannie Mae released the second phase of MBS enhancements for Loan Delivery, enabling lenders to address most MBS
+issues in real time within the application. These enhancements relate to post-submission exceptions that may have
+previously required manual resolution with Fannie Mae's Acquisition Operations team. No action will be required to begin
+using these MBS enhancements, and there will be no changes to the import or MBS Pool submission processes. For more
+information, view the Loan Delivery Enhancements for MBS overview.
+
+Apr. 24, 2023
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+• New informational edits related to Property Data – Condo Project Manager (CPM)
+• New warning edits related to Appraisal
+• New fatal edit related to Lien Type
+• Edits related to Appraisal, Property Data, Down Payment, Closing Cost, Commitment, and Underwriting are
+
+changing severity
+
+May 22, 2023
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+• New fatal edit related to Loan Program.
+• Edits related to Property Data-CPM and Loan Program changing from informational to warning severity.
+• Edits related to Special Feature Codes changing from warning to fatal severity.
+
+© 2023 Fannie Mae Page 2 of 5
+
+May 22, 2023
+
+CPM Edits
+
+Per the Selling Guide Announcement (SEL-2023-02), we are requiring lenders to use CPM for all condo projects being
+reviewed under the Full Review Process. Lenders will be required to deliver the CPM Project ID number at delivery for
+projects when CPM was used, including loans delivered in projects with a Fannie Mae Approval.

chunks/txt/e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94.txt

@@ -0,0 +1,48 @@
+Since MI has terminated, “0.00” is provided for this and all
+subsequent instances of PROJECTED_PAYMENT.
+
+In the following XML snippet, because of their length, certain data points in PROJECTED_PAYMENT wrap after the provided
+value.
+
+Figure 52. XML Snippet-Example of Projected Payments Table Year Range Data.
+
+<MESSAGE>
+…
+ <DEAL>
+ <LOANS>
+ <LOAN>
+
+<DOCUMENT_SPECIFIC_DATA_SETS>
+ <DOCUMENT_SPECIFIC_DATA_SET/
+
+<INTEGRATED_DISCLOSURE>
+
+…
+
+<ESTIMATED_PROPERTY_COST> (See Figure 50)
+ </ESTIMATED_PROPERTY_COST>
+
+<PROJECTED_PAYMENTS>
+
+<PROJECTED_PAYMENT SequenceNumber="1">
+
+<PaymentFrequencyType>Monthly</PaymentFrequencyType>
+<ProjectedPaymentCalculationPeriodEndNumber>5</ProjectedPaymentCalculationPeriodEndNumber>
+<ProjectedPaymentCalculationPeriodStartNumber>1</ProjectedPaymentCalculationPeriodStartNumber>
+<ProjectedPaymentCalculationPeriodTermType>Yearly</ProjectedPaymentCalculationPeriodTermType>
+<ProjectedPaymentEstimatedEscrowPaymentAmount>356.00</ProjectedPaymentEstimatedEscrowPaymentAmount>
+<ProjectedPaymentEstimatedTotalMaximumPaymentAmount>1472<
+
+/ProjectedPaymentEstimatedTotalMaximumPaymentAmount>
+
+<ProjectedPaymentMIPaymentAmount>109.00</ProjectedPaymentMIPaymentAmount>
+<ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount>1007.35<
+
+/ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount>
+
+</PROJECTED_PAYMENT>
+ <PROJECTED_PAYMENT SequenceNumber="2">
+
+<ProjectedPaymentCalculationPeriodEndNumber>30</ProjectedPaymentCalculationPeriodEndNumber>
+<ProjectedPaymentCalculationPeriodStartNumber>6</ProjectedPaymentCalculationPeriodStartNumber>
+ <ProjectedPaymentEstimatedEscrowPaymentAmount>356.00</ProjectedPaymentEstimatedEscrowPaymentAmount>

chunks/txt/e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235.txt

@@ -0,0 +1,76 @@
+Figure 71 illustrates a case where there are two additional items: homeowner’s association dues and ground
+rent. Ground rent is itemized and the text “and additional costs” is added to indicate the other cost component
+(homeowner’s association dues). Only the ground rent is escrowed. Following the same approach described in
+C. Multiple Property Tax or Homeowners Insurance Cost Items NEW form-rendering is as follows:
+
+5.0 Projected Payments
+
+5.6 Estimated Taxes, Insurance
+& Assessments
+Amount can increase over time
+See page 4 for details
+
+5.6.1 $356
+5.6.2 a month
+
+This estimate includes
+5.6.3  Property Taxes
+5.6.4  Homeowners Insurance
+5.6.5  Other: Ground Rent and
+
+additional costs
+
+In escrow?
+YES
+SOME
+SOME
+
+See Escrow Account on page 4 for details. You must pay for other
+property costs separately.
+
+Figure 71. More than One Other Property Cost Item
+
+Table 88 shows that all Other property cost components must be included in UCD. An instance of
+ESTIMATED_PROPERTY_COST_COMPONENT is delivered for each additional item, indicating whether the item is
+
+Appendix E: UCD Implementation Guide
+
+Page 102 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+“Escrowed” or “Not Escrowed.” Implementers must evaluate each associated value of
+ProjectedPaymentEscrowedType to determine the appropriate response to render on the form for In escrow?
+
+ID
+
+Form Field
+Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Table 88. More than One Other ETI&A Item
+
+5.6.5
+
+…  Other:
+_____
+
+5.6.5
+
+In escrow?
+
+Instance of ESTIMATED_PROPERTY_COST_COMPONENT

chunks/txt/e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958.txt

@@ -0,0 +1,73 @@
+999.702
+
+ucd:FEE_DETAIL_EXTENSION
+
+MISMO construct enabling addition of data points to FEE_DETAIL. Holds all
+instances of ucd:FeeItemType and ucd:FeeItemTypeOtherDescription.
+
+999.169/999.171/99
+9.172
+
+FEE_PAID_TO/LEGAL_ENTITY/LE
+GAL_ENTITY_DETAIL
+
+Holds the non-individual, unparsed name of the entity receiving the fee
+payment.
+
+999.173
+
+FEE_PAYMENTS
+
+999.174
+
+FEE_PAYMENT
+
+MISMO construct. Plural of singular child container FEE_PAYMENT holds at
+least 1 and up to 5 sequential occurrences of FEE_PAYMENT.
+
+Holds data points identifying the payor entity, when paid relative to closing,
+and associated amount(s). Multiple instances of FEE_PAYMENT are provided
+when the payment was shared by more than one entity or a portion was paid
+before and at closing. At least one and up to five sequential instances are
+provided.
+
+1. GSE REQUIREMENTS FOR FEE INFORMATION
+
+The TRID Regulation describes the types of fees that should be provided in each section of the Loan Costs and Other Costs
+
+tables.
+
+Figure 66. CD Sections Supported by FEE Container Structure.
+
+A. Origination
+Charges
+All charges the
+borrower or others
+paid to the lender and
+any loan originator for
+originating and
+extending the credit.
+
+B. Services Borrower
+Did Not Shop For
+Services required by the
+lender and provided by
+entities other than the
+lender or mortgage broker,
+for which the borrower
+could or did not shop.
+
+C. Services Borrower
+Did Shop For
+Services that the lender
+requires in connection with
+the loan for which the
+borrower may shop.
+
+E. Taxes and Other
+Government Fees
+For recording of documents
+and transfer taxes assessed
+against the purchase price
+of a real estate contract or
+the loan amount.

chunks/txt/e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61.txt

@@ -0,0 +1,133 @@
+PDF Display Format (when the source is an MLS listing):
+MLS Organization # Listing
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+315
+
+2
+
+108
+
+PRIOR SALE
+HISTORY
+
+Date of Prior Sale/Transfer
+COMPARABLE
+
+GSE Prior Sale
+Date
+
+The date of the prior sale of the subject or
+comparable properties.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N’]/PRIOR_SALES
+/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Ex
+tensionSectionOrganizationName
+='UNIFORM APPRAISAL DATASET']/
+PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa
+leDate
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+At least one instance of this field is
+required (i.e. for at least one comp) if
+field 2-101 (Comparable Has Prior
+Sales Indicator = 'Y') is indicated.
+
+CR
+
+CR
+
+CR
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 105 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+316
+
+2
+
+109
+
+PRIOR SALE
+HISTORY
+
+Price of Prior Sale/Transfer
+COMPARABLE
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRIOR_SALE
+S/@PropertySalesAmount

chunks/txt/e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29.txt

@@ -0,0 +1,96 @@
+Appraiser Reference ID LN32942301Client Reference ID 456-8124Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Repair (CR1)
+
+Completion Report
+
+Completion Report Exhibits
+
+Page 2 of 3
+
+Itemized List of Repairs - Mechanical System - Water Heater
+
+New Observed Items for Repair - Flooring - Basement Carpeting
+
+This is where the Water Heater photo would display.
+
+This is where the Carpet photo would display.
+
+Mary Jones
+Michael Jones
+
+Appraiser Fee
+
+$0
+
+Assignment Information
+
+Borrower Name
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+ABC Mortgage Company
+456 Somewhere Ave
+Sometown, NV 55555
+
+Amy Appraiser
+XYZ Appraisal Company
+22 A Street NE
+Washington DC 10001
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+08/21/2009
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential
+3333333333
+MD
+10/21/2010
+
+Appraiser Reference ID LN32942301Client Reference ID 456-8124Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Repair (CR1)
+
+Completion Report
+
+Intended Use
+
+Page 3 of 3
+
+The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the
+appraisal report referenced above have been met.
+
+Intended User
+
+The intended user of this report is the lender/client.
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the
+subject property, or other parties involved in this transaction.

chunks/txt/e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689.txt

@@ -0,0 +1,19 @@
+[FHFA EEO Anti-Harassment Policy Statement](/document/fhfa-eeo-anti-harassment-policy-statement)
+
+[FHFA EEO Affirmative Employment Plan](/document/fhfa-eeo-affirmative-employment-plan)
+
+## ​NO FEAR ACT (AS AMENDED)
+
+Equal 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).
+
+The 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.
+
+[No FEAR Act Data Reporting](/reports/no-fear-report)
+
+[2024 No FEAR Act Notice](/document/2024-no-fear-act-notice)
+
+The 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.
+
+Every quarter FHFA updates and publishes the No FEAR Act data. In addition, OEOF submits a yearly report to congress regarding NO FEAR.
+
+If 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.

chunks/txt/e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c.txt

@@ -0,0 +1,9 @@
+#### Mortgage Industry Fraud (fraud committed by mortgage professionals)
+
+**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.
+
+**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.
+
+**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.
+
+**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.

chunks/txt/e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891.txt

@@ -0,0 +1,34 @@
+Zoning for an ADU
+
+If it is determined that the property contains an ADU that is not allowed under zoning (where an ADU is not allowed under any
+circumstance), the property is eligible under the following additional conditions:
+
+•
+
+•
+•
+•
+•
+
+The lender confirms that the existence will not jeopardize any future property insurance claim that might need to be filed
+for the property.
+The illegal use conforms to the subject neighborhood and to the market.
+The property is appraised based upon its current use.
+The appraisal report states that the improvements represent a use that does not comply with zoning (“illegal” use).
+The appraisal report demonstrates that the improvements are typical for the market through an analysis of at least two
+comparable sales with the same non-compliant zoning use. Aged, settled sale(s) with the same non-compliant zoning use
+are acceptable if recent sales are not available. At a minimum, the appraisal report must include a total of three settled
+sales.
+
+See SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best Use, for subject property zoning information.
+
+Additions without Permits
+
+If the appraiser identifies an addition(s) that does not have the required permit, the appraiser must comment on the quality and
+appearance of the work and its impact, if any, on the market value of the subject property.
+
+Properties with Outbuildings
+
+A lender must give special consideration to properties with outbuildings to ensure the property is residential in nature.
+Descriptions of all outbuildings must be reported in the applicable sections of the appraisal report and considered in the Sales
+Comparison Approach. Any nonresidential use must be reported in the applicable section of the report.

chunks/txt/e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9.txt

@@ -0,0 +1,55 @@
+Additional photographs are required when the subject property has any of the following:
+
+Exterior photographs
+
+Interior photographs
+
+a non-residential use,
+an outbuilding,
+
+•
+•
+• water frontage with private access,
+•
+•
+
+views that impact value or marketability, or
+a physical defect, damage, or deficiency.
+
+The subject property and all comparables must be appropriately identified and
+described.
+Photographs of comparable rentals utilized in the appraisal report are not required.
+
+At a minimum, the appraisal report must include interior photographs of the following
+parts of the subject property:
+
+all kitchens;
+all bathrooms;
+
+•
+•
+• main living areas of the property (such as living room, family room, dining room,
+
+all bedrooms, etc.);
+
+• below-grade area(s), including all finished and unfinished rooms;
+•
+any physical defect, damage, and deficiency, if present; and
+•
+examples of recent updates, such as restoration, remodeling, and renovation, if
+present.
+
+Note: Interior photographs of proposed or under construction properties may be taken at
+the time of the completion inspection and included with the Completion Report.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 57 of 166
+
+UAD 3.6 Policy
+
+Note: For the Restricted Appraisal Update Report, a photograph of the front of the subject property must be included. See SB4-
+1.2-04, Age of Appraisal and Restricted Appraisal Update Requirements for additional requirements. For Completion Report
+requirements and exhibits, see SB4-1.2-05, Requirements for Verifying Completion and Postponed Improvements.
+
+Appraiser Certifications and Limiting Conditions

chunks/txt/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.txt

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+Revision History ........................................................................................................................................................................... ii
+Contents ...................................................................................................................................................................................... 3
+I. Introduction .............................................................................................................................................................................. 1
+A. Uniform Closing Dataset Background ................................................................................................................................. 1
+B. UCD v2.0 Scope ................................................................................................................................................................... 1
+1. What’s Been Added ......................................................................................................................................................... 1
+2. What’s Been Retired ....................................................................................................................................................... 1
+3. What’s the Same ............................................................................................................................................................. 2
+C. UCD v2.0 Implementation Guide Purpose .......................................................................................................................... 2
+II. I-Guide Format ......................................................................................................................................................................... 3
+A. Document Organization ...................................................................................................................................................... 3
+B. XML File Data Payload A to Z Chapter Organization ........................................................................................................... 3
+1. XML File Container Structure .......................................................................................................................................... 3
+2. Rendered CD ................................................................................................................................................................... 4
+3. UCD v2.0 Spec Excerpts ................................................................................................................................................... 4
+4. UCD XML File Snippets .................................................................................................................................................... 7
+C. Documentation Conventions .............................................................................................................................................. 8
+III. XML File Handling ................................................................................................................................................................... 9
+A. XML File Metadata and Embedded CD PDF File ................................................................................................................ 10
+1. XML File Structure Overview ......................................................................................................................................... 10
+2. Identifying the XML File for Processing ......................................................................................................................... 10
+B. Embedded CD PDF File ...................................................................................................................................................... 13
+IV.

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+Car Storage
+None
+
+Car Storage Exists
+Indicator
+
+Indicates if there is any car storage
+available for a residence such as a garage,
+carport or driveway.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@_E
+xistsIndicator
+
+10
+
+1
+
+2
+
+1
+
+2
+
+1
+
+16
+
+1
+
+12
+
+1
+
+20
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+Format
+
+String
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should indicate the cooling method used, if 'Other' is indicated. If no
+cooling, 'None' should be indicated.
+
+Boolean
+
+A value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not checked.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+If none, then zero (0) should be entered.
+
+This field should be populated if field 2-56
+(Cooling Other Indicator = 'Y') is indicated.
+
+This field should be indicated if the value of
+field 2-59 (Amenity Count) is greater than
+zero.
+
+Boolean
+
+A value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is not
+checked.
+
+This field should be indicated if the value of
+field 2-61 (Amenity Count) is greater than
+zero.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+
+String
+
+PDF Display Format:
+Whole numbers only.
+
+Boolean
+
+String
+
+Boolean
+
+String
+
+Boolean
+
+String
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+If none, then zero (0) should be entered.
+
+A value of 'Y' indicates a deck/patio exists, a value of 'N' indicates the box is not
+checked.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should contain a description of the patio/deck. If there is no patio or deck,
+indicate 'None'.
+A value of 'Y' indicates a porch/balcony exists, a value of 'N' indicates the box is not
+checked.