diff --git a/chunks/txt/e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400.txt b/chunks/txt/e46d4a56c7e6d682add7ce9075497fbe14dabd7cfa726139cbd45e39aa1bf400.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c3b0635ff6535794b00db21d9ec79821abd779e --- /dev/null +++ b/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. diff --git a/chunks/txt/e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33.txt b/chunks/txt/e4ba59352cf2f6547d0d588f522b5101eaa6589ef7abc2193e23be9b48720c33.txt new file mode 100644 index 0000000000000000000000000000000000000000..22818db8d261b2c6827734d11177af3994677acf --- /dev/null +++ b/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. diff --git a/chunks/txt/e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a.txt b/chunks/txt/e4bcc479a13aef50553ba98e9bced5a76bb473066b6b62462f7e065caf1ba07a.txt new file mode 100644 index 0000000000000000000000000000000000000000..c03d8343389e4de89b3f0f375fbfe63fe02d8c88 --- /dev/null +++ b/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 diff --git a/chunks/txt/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.txt b/chunks/txt/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.txt new file mode 100644 index 0000000000000000000000000000000000000000..c681dbf1e98fe2800485658fe01c344c55838442 --- /dev/null +++ b/chunks/txt/e4c2defc6bbc2cb80152e896ec650db871cad7c289ac374b07f211870b29d844.txt @@ -0,0 +1,52 @@ + + + + + +HERS +RESNET +62 + + + + + + +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”. + + + +EnergyEfficiencyAndGreenFeatures +Additional commentary may be added here. + + + +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). + + + +Descriptive caption for exhibit. +EnergyEfficientAndGreenFeaturesExhibit +zip://location/EnergyEfficientAndGreenExhibit.jpg +image/jpeg diff --git a/chunks/txt/e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487.txt b/chunks/txt/e4d3e32968ea375986ee9d4c20c56b4b9d244f418f60d9ff066b1a9787db8487.txt new file mode 100644 index 0000000000000000000000000000000000000000..933ac46f3c25dd108bb446e9d53cd7593607213f --- /dev/null +++ b/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'] diff --git a/chunks/txt/e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d.txt b/chunks/txt/e4d92076fba8848a16be653e38c2b31daaa6d1eb9ac12580b53400547718424d.txt new file mode 100644 index 0000000000000000000000000000000000000000..8cda8e43ef74d84f63bcd5cca3c1132ba0eb0f20 --- /dev/null +++ b/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. diff --git a/chunks/txt/e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be.txt b/chunks/txt/e4de3a7a705a995968f5e96a3773dd150cf0f76c7b2305f53a82258ff46c20be.txt new file mode 100644 index 0000000000000000000000000000000000000000..1232178bd8b4ab3571fda810009a6aea6c4e9fc7 --- /dev/null +++ b/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 diff --git a/chunks/txt/e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d.txt b/chunks/txt/e4ea910c9d30a8718045f48eb4403ab568aed9b0f3cfe2dd647e9ce05f0e064d.txt new file mode 100644 index 0000000000000000000000000000000000000000..421c4da27e29ce438c7f7e113a9fd5759abafe3d --- /dev/null +++ b/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. 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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 diff --git a/chunks/txt/e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c.txt b/chunks/txt/e4ee3ea79ec57131a54e05cbe97208f36470099487d67890fc83e559075fbe6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..21f1e03c74f33ded0420eb524441586feb7a51c9 --- /dev/null +++ b/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 diff --git a/chunks/txt/e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5.txt b/chunks/txt/e4f44fc50539f048ebffe538cb9262b34bb0c3296d29a651ce9f45f5f8fce2a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..7d0b1aa14981e917420dc4c160e106bea3ad8ca5 --- /dev/null +++ b/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 diff --git a/chunks/txt/e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553.txt b/chunks/txt/e4f97e8c44210fcb582cfe0208903f27d3b85a3bb60f6c774c77fcb239ee7553.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c9974ec9165c328eb5f0ca2c9876d76468b0fe7 --- /dev/null +++ b/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. diff --git a/chunks/txt/e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780.txt b/chunks/txt/e5066a5d3e70743e9ebb3d1d99904b11bc77735999e3723d5c1fe19d3bb59780.txt new file mode 100644 index 0000000000000000000000000000000000000000..e875f6c4e9549f6ee44c7d4b20458f395a9673f8 --- /dev/null +++ b/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 diff --git a/chunks/txt/e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145.txt b/chunks/txt/e506d5998a23ed982b333e219f4728f612016de08c6818ce6597916b033d7145.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d154c14495d21ce723cfade67fc6ad43e06dfaa --- /dev/null +++ b/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 diff --git a/chunks/txt/e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e.txt b/chunks/txt/e5078283b6c304269d9978db11e50bc2ade1121841b759a85bf036880cf3714e.txt new file mode 100644 index 0000000000000000000000000000000000000000..5dddffb66d67c6351dd66b07a528b2aa4117ae7a --- /dev/null +++ b/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”. diff --git a/chunks/txt/e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561.txt b/chunks/txt/e548199a41df23ee61545ea995a643ead6ecdbb69c5494b551c4e4bcbaac6561.txt new file mode 100644 index 0000000000000000000000000000000000000000..2fc3d6d158c06d9895137e4eebd832c1e918f717 --- /dev/null +++ b/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. diff --git a/chunks/txt/e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e.txt b/chunks/txt/e54b29e9d3699e3af1d46628786676f862d6ec6580c93644e1bb0db2deea3f7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b4de0b186aab2b387a370077dcc304a9ebefc2b --- /dev/null +++ b/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 diff --git a/chunks/txt/e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14.txt b/chunks/txt/e54b50f6da8c541de986d6dd85ae1c8c452c02739c2a10ebe869f26a38c07b14.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4e346490d256cc63d9be3479c2a61860cce230f --- /dev/null +++ b/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. diff --git a/chunks/txt/e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789.txt b/chunks/txt/e55099fc0a0d5118ec3188650adf1c609850d246cd47c5d2de1e86879cbd8789.txt new file mode 100644 index 0000000000000000000000000000000000000000..97143e0d9863c5ad7df320bb98ed6d85744e5b41 --- /dev/null +++ b/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. diff --git a/chunks/txt/e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363.txt b/chunks/txt/e5564d139e8fd419f98ed75bfc5ad1fde1ec449b656ead2aeba89029df0f8363.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce4e722949d5a74386f3ab171fafa8915553db76 --- /dev/null +++ b/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) diff --git a/chunks/txt/e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec.txt b/chunks/txt/e5635b85ddaf3e9c23149d1968f0ae057f40855bd6a0d8db46127618daa9a6ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b8c58cb27d6791c92c90d7cf76d8fc0bbc81938 --- /dev/null +++ b/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 + + + +Commentary provided here. + + + +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”, diff --git a/chunks/txt/e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5.txt b/chunks/txt/e567d58e4e8d626977a2c1315b553aa3cbda29206244e3f86f76e81a54efb1f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..4a8e4b32674611d2bb7526f0e0744fc9269c42dc --- /dev/null +++ b/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) diff --git a/chunks/txt/e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1.txt b/chunks/txt/e56f7b95eb5b6d3fc27763374b4a2fdf837e626acf4745933d98727874622aa1.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b9021a941fca667be7b47b72a6fead853716d0a --- /dev/null +++ b/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 diff --git a/chunks/txt/e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59.txt b/chunks/txt/e579a8439f897e4dfe25d4ce884f8f0cd3b9102968e2b9e98dcdd9a11bd13c59.txt new file mode 100644 index 0000000000000000000000000000000000000000..dfac8e0f1f9d75561afbe9e82e2cceac8c5062fa --- /dev/null +++ b/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. diff --git a/chunks/txt/e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48.txt b/chunks/txt/e57d31cba29cba61380f818b0d4c5b1d67884f0012d851f5441db36c73756a48.txt new file mode 100644 index 0000000000000000000000000000000000000000..62b27a332901e93fe584b1f32aaf8ef61882682a --- /dev/null +++ b/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. diff --git a/chunks/txt/e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222.txt b/chunks/txt/e5818ce35f81139ac8e4342054e7c0b4a0a2260daee398efad47ae8ef1795222.txt new file mode 100644 index 0000000000000000000000000000000000000000..76133f973ae567926b94ac7bcc625e6b5c0f8025 --- /dev/null +++ b/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. diff --git a/chunks/txt/e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560.txt b/chunks/txt/e58d3d88a81832046118052ef82f9e37fcf61be5496ce0096ed94377076f9560.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc702a5765daf0d45b6562c90464d0b78fc52ab4 --- /dev/null +++ b/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 diff --git a/chunks/txt/e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c.txt b/chunks/txt/e59d40eee420d1c7046f540d657bc42a574339bab81980f2828883f55bc1128c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec25828cf90434bc5bfaa332b95b762ccf712231 --- /dev/null +++ b/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. diff --git a/chunks/txt/e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab.txt b/chunks/txt/e5a5f67a6f25a1ac1fd001e5b105ac5a927736b5ac8fba832cf68f81732ec9ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..76dad8f19d9b93ff24bf2115aa117ed5c9bc242e --- /dev/null +++ b/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 diff --git a/chunks/txt/e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685.txt b/chunks/txt/e5a8d89976851197143b0a218a4217d466a238ebf1918330dde311e8411b4685.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf22e1dbeba069cd06e91ab1e396b75205ea1a2d --- /dev/null +++ b/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" diff --git a/chunks/txt/e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13.txt b/chunks/txt/e5ad3294c5a61a34c83a43595193c50325fccef8a5495ff552e2c35ba3ccaa13.txt new file mode 100644 index 0000000000000000000000000000000000000000..6ca1cf8c0823fa9c2de4da6e541e733030ff05e3 --- /dev/null +++ b/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 diff --git a/chunks/txt/e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07.txt b/chunks/txt/e5b75915a9908bc21474146c447d97f21578d08e377889cda485d59f97b4ca07.txt new file mode 100644 index 0000000000000000000000000000000000000000..caa760250a1ebf343db5ebb7fa5568d46c933ac2 --- /dev/null +++ b/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): diff --git a/chunks/txt/e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0.txt b/chunks/txt/e5bf0b58178a9e87caedea339de875cdb6075291454df8b2be066c2e7b396fb0.txt new file mode 100644 index 0000000000000000000000000000000000000000..f28e35f46d310d76b06a9463b76653150b962d6d --- /dev/null +++ b/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 diff --git a/chunks/txt/e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e.txt b/chunks/txt/e5fce174a019c88aeac1279ef54dc2013d9d7871b01a59e913b3f0d524e2ad7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..bc11d01c376f4dd06b2d496548206e0ad30f8cf1 --- /dev/null +++ b/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 diff --git a/chunks/txt/e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0.txt b/chunks/txt/e60ca2a15cc7ff287cdbf9f82d71262684c04802a16c074d98f6621886c850f0.txt new file mode 100644 index 0000000000000000000000000000000000000000..6af2d27f2c8285893cb9f52efe75ad3b9355341a --- /dev/null +++ b/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. diff --git a/chunks/txt/e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f.txt b/chunks/txt/e61af7989d0b22120e0c26ab45f6cec7fc6589a39a2a45376ee40c559e5a4f9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..74f82d3afbb806e11fd158c5786da0945c99c395 --- /dev/null +++ b/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 diff --git a/chunks/txt/e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa.txt b/chunks/txt/e61e414cc4821afe3c7c53b6b908ba7758d037016f0ac37515a11d4c264948fa.txt new file mode 100644 index 0000000000000000000000000000000000000000..c455731e9a155dcee2c863be9d0344a9aa421c42 --- /dev/null +++ b/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 diff --git a/chunks/txt/e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919.txt b/chunks/txt/e63b35249078530c7191f3186c259374b3941f2229981e572957899cc48a3919.txt new file mode 100644 index 0000000000000000000000000000000000000000..11dd288c93e31a82cc908a6af1f1b3bc596de25c --- /dev/null +++ b/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. diff --git a/chunks/txt/e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193.txt b/chunks/txt/e6586766347d21a668107b8a4860ae241ad8f291c754a8f6403f4ab8ccd78193.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f6c695759267d8a298debb59cd32386b5d02464 --- /dev/null +++ b/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. diff --git a/chunks/txt/e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94.txt b/chunks/txt/e658ba18a61f303e35e36c8b39c7c74f2109ea601d51043e18d4b343b0c8cd94.txt new file mode 100644 index 0000000000000000000000000000000000000000..910b429b54d9a05fe860e119539cdbb78975867a --- /dev/null +++ b/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. + + +… + + + + + + + +… + + (See Figure 50) + + + + + + +Monthly +5 +1 +Yearly +356.00 +1472< + +/ProjectedPaymentEstimatedTotalMaximumPaymentAmount> + +109.00 +1007.35< + +/ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount> + + + + +30 +6 + 356.00 diff --git a/chunks/txt/e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235.txt b/chunks/txt/e65aa5a6c462cc0080fe73450269fab749887e747752d496e71fc146bec8d235.txt new file mode 100644 index 0000000000000000000000000000000000000000..601c90633550ca032b81885814e0d1e5da250c8b --- /dev/null +++ b/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 diff --git a/chunks/txt/e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958.txt b/chunks/txt/e65ca5e74a5687068ec8e6a6dd78f49119e42e10aa450680d64f0c4378d22958.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6df9e0333a5b88ce27729a9f2df95be9dee3be5 --- /dev/null +++ b/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. diff --git a/chunks/txt/e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61.txt b/chunks/txt/e660c91c993eaa46bf1c76774caf4e1a9cfdb7800cb88998873fdc1560d07a61.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e75edd6b28e3191583473e8df2606ec49cec721 --- /dev/null +++ b/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 diff --git a/chunks/txt/e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29.txt b/chunks/txt/e66dbcf50d8ca982459eae6cfddb1f50722fd865eaf844ac6151f0f6ca86ab29.txt new file mode 100644 index 0000000000000000000000000000000000000000..d02f7f744dfcb4f5507cc5c9a24e2e114c10ec57 --- /dev/null +++ b/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. diff --git a/chunks/txt/e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689.txt b/chunks/txt/e67404f7121da3dcfd788674596d56065ab20e46eb34058c66d61968f236c689.txt new file mode 100644 index 0000000000000000000000000000000000000000..2663006caf1a4c46bdd0022b394d4771c1e9b261 --- /dev/null +++ b/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. diff --git a/chunks/txt/e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c.txt b/chunks/txt/e677a1fc2d7b63d8d43559793dc16bc7b56352e3d9baba0bd7c28a58b64ddc0c.txt new file mode 100644 index 0000000000000000000000000000000000000000..d26b07fe6e81e06ecec0feb06593ebf16bdd6e45 --- /dev/null +++ b/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. diff --git a/chunks/txt/e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891.txt b/chunks/txt/e678786f608e4bc6c9fc784c3f3d0d15255226fdcfb0b996e2e6cc1c01612891.txt new file mode 100644 index 0000000000000000000000000000000000000000..8d8f420f337d185e9ba9fef11f372b7e6f1aa938 --- /dev/null +++ b/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. diff --git a/chunks/txt/e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9.txt b/chunks/txt/e679aaeac4dcfa0e13e55279471e17a4fd317c6b494e9236615f3f6b16af50b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..46f396595445e522f53852a996626ebc80a79825 --- /dev/null +++ b/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 diff --git a/chunks/txt/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.txt b/chunks/txt/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.txt new file mode 100644 index 0000000000000000000000000000000000000000..3eb85bf18c20ccffaeee5f14f18fd7c0dca5c2c2 --- /dev/null +++ b/chunks/txt/e68d3e8ce004357b7d4940675fb029df5577b6d9536776d4c1394261b7c4226f.txt @@ -0,0 +1,23 @@ +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. diff --git a/chunks/txt/e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc.txt b/chunks/txt/e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc.txt new file mode 100644 index 0000000000000000000000000000000000000000..3d47fbd50858d4c00e6ae3922d9b996d83a15303 --- /dev/null +++ b/chunks/txt/e6b1939990c7a7287bed9d96bc6f9d251e08978b319e1a13ead0b9de5ca884fc.txt @@ -0,0 +1,134 @@ +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. diff --git a/chunks/txt/e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52.txt b/chunks/txt/e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52.txt new file mode 100644 index 0000000000000000000000000000000000000000..49a84fc6051cb82aad0b78af685c946a25c69608 --- /dev/null +++ b/chunks/txt/e6c2cff74b0612c2d46d7f6a0cfea369ba0b7f1210bfa706a9c0e19c30afdd52.txt @@ -0,0 +1,72 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/ROOM_ADJUSTMENT/@TotalRoomCount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/ROOM_ADJUSTMENT/@TotalBedroomCou +nt + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/ROOM_ADJUSTMENT/@TotalBathroomCou +nt + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Oth +er' and +@_TypeOtherDescription='RoomAboveGradeLi +ne2']/@_Amount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the overall condition of the property. + +2 + +Enumerated + +Allowable Values + C1 + C2 + C3 + C4 + C5 + C6 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 2-73 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +The sum of this field 2-74 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. diff --git a/chunks/txt/e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc.txt b/chunks/txt/e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc.txt new file mode 100644 index 0000000000000000000000000000000000000000..b3e56e31008c8f63eff2e721ae12d0805a52372f --- /dev/null +++ b/chunks/txt/e6df3405acd0cd0ddaffeb4156fc04b31d4340a5ae80a9ee28bdda2344807abc.txt @@ -0,0 +1,43 @@ +[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](/) + - [Programs](/programs) + - Loss Mitigation + +Program + +# Loss Mitigation + +## Help for Homeowners Affected by Natural Disasters + +FHFA, Fannie Mae, and Freddie Mac have come together to get the word out about mortgage relief options for those affected by natural disasters. Our goal is to make sure you have time to focus on your safety. Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement. diff --git a/chunks/txt/e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214.txt b/chunks/txt/e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7dd3c59f549bf414659e1391a192b008a481dd5 --- /dev/null +++ b/chunks/txt/e6df41522b1a80ce6f2b5d99b9476b3af9c953efab0b74a72a1af9ff2280b214.txt @@ -0,0 +1,23 @@ +Uniform Appraisal Dataset (UAD) + +Appraisal-Level + +Public Use File (PUF) + +Version 2.1 + +Data Documentation + +February 4, 2025 + +UAD PUF Version 2.1 Data Documentation + +Table of Contents + +1. Overview ................................................................................................................................................... 1 + +2. About the UAD ......................................................................................................................................... 1 + +3. Universe of UAD Appraisal Records Eligible for UAD Appraisal-Level PUF ....................................... 2 + +3a. Overview of Universe for the UAD Appraisal-Level PUF ................................................................. 2 diff --git a/chunks/txt/e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9.txt b/chunks/txt/e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..fba19af57e8cc5328f70a37c170ffc7d1cbc656b --- /dev/null +++ b/chunks/txt/e6e9541e393a9feeadd8dff744656ed5f417bb8d4a402a1575b60a73dd9a38a9.txt @@ -0,0 +1,166 @@ +PhysicalMeasurement + +AssessorRecord + +PreviousAppraisalFile + +MLS + +2021-06-01 + +Marshall & Swift + +Good + +CostService + +W12348 + +MLS + +W19434 + +MLS + +W58278 + +MLS + +Other + +Subject Sale + +124523 + +MLS + +123453 + +MLS + +178643 + +MLS + +193032 + +MLS + +Local MLS + +Smokey Bear Gazette + +123 Anywhere St + +Somecity + +Alpine + +12345 + +TN + +Driveway + +Other + +Pavers + +4 + +false + +400 + +Attached + +Garage + +2 + +None + +false + +false + +false + +None + +None + +false + +true + +false + +Dwelling + +false + +2020 + +false + +true + +true + +true + +true + +2020 + +false + +2020-09-01 + +XYZ Homes + +false + +false + +gaelw43232790-er293/gbelw43232790-er293 + +The subject is a manufactured home that was built to HUD Code and structurally designed and constructed to accommodate site-built features. Specifically, for the subject, the attached garage and front porch which were constructed at the time of installation. +CHOICEHome and MH Advantage manufactured homes are constructed with features and characteristics that exceed the minimum HUD Code. This may include drywall interiors, elevated roof pitch, higher standard energy efficiency features, greater R-value insulation, and upgraded plumbing fixtures and cabinetry. Each MH Advantage or CHOICEHome must have at least two of the following features: attached garage or carport, roof dormers or porch. These homes may also have solid surface counters and vaulted, tray, or beamed ceilings along with other quality upgrades. + +MultiWide + +South + +true + +Zone1 + +ZoneI + +SAB032251MLAX + +FannieMaeMHAdvantage + +CH1000001 + +FreddieMacCHOICEHome + +ere32498213 + +ere32498214 + +PouredConcrete + +None + +Carpet + +NewOrLikeNew + +Upgraded Carpet + +Laminate + +NewOrLikeNew diff --git a/chunks/txt/e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7.txt b/chunks/txt/e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a6ab12c8f46f77c4996ce46d0a7f3391a717e84 --- /dev/null +++ b/chunks/txt/e6ee81750926697516098e199b3f754b696d9c41129f17b07ae576a0ab93a2a7.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................................ 220 + +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 221 diff --git a/chunks/txt/e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b.txt b/chunks/txt/e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b.txt new file mode 100644 index 0000000000000000000000000000000000000000..5fb684a91afc0b02270b2f25137006e3ad8f55fb --- /dev/null +++ b/chunks/txt/e6ef726f59ea1786309955b6fdc07031cf3be5ce46a546338b432962337abf5b.txt @@ -0,0 +1,92 @@ +RELAT IONSHIP BET WEEN AN ASSET AND T HE ASSOCIAT ED BORROWER + +The following example provides details about the xlink arcrole relationship needed to define a data +relationship between an asset and the borrower associated with that asset. + +The figure below (Figure 9) shows an example of an asset that will be linked to the associated borrower that +owns the asset. Note some assets will have multiple borrowers with relationships to them. These are known +as joint assets. + +ASSET And ROLE Containers Identifying Endpoints Of +Relationships + +ASSETS + ASSET + +Sequence Number = “1” + xlink:label = “ASSET_1” + ASSET_DETAIL + AssetType = CheckingAccount + AssetOrMarketValueAmount = 15000 + +PARTIES + PARTY + +INDIVIDUAL + NAME + FirstName = John + LastName = Smith + +ROLE + +Sequence Number = “1” + xlink:label = “BORROWER_1” + ROLE DETAIL + +Party Role Type = Borrower + +Figure 9. Establishing Endpoints of Relationship + +Data Relationships Using Xlink and MISMO Arcroles + +Page 22 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +The table below (Table 9) shows the endpoints that will makeup the xlink arcrole relationship for the +relationship. + +CONTAINER + +XPath For Container + +ASSET +ROLE + +DEAL/ASSETS/ASSET +DEAL/PARTIES/PARTY/ROLES/ROLE + +Table 9. Identifying Endpoints in the Relationship + +Sequence +Number +1 +1 + +Xlink:label + +ASSET_1 +BORROWER_1 + +The table below (Table 10) shows a breakdown of the detailed components of the relationship used to +relate a related asset to a borrower for that loan. + +XPath + +Attribute + +xlink:label + +Value + +Notes + +RELATIONSHIPS CONTAINER + +First instance of RELATIONSHIP +MESSAGE/DEAL_SETS/D +EAL_SET/DEALS/DEAL/ +/RELATIONSHIPS/RELAT +IONSHIP diff --git a/chunks/txt/e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c.txt b/chunks/txt/e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6c7629165ab018cbc564319d35c13740ed5512d --- /dev/null +++ b/chunks/txt/e717181896f6b9f0c96e063d9f0793e7c820ba742b3d9071e750d112fc7cf91c.txt @@ -0,0 +1,219 @@ +2023 FHLBank Public Use Database + +Effective January 1, 2019 + +Business Name + +Definition + +New Field Name (2019-Present) + +Year +LoanCharacteristicsID +Bank +FIPSStateNumericCode +FIPSCountyCode +CoreBasedStatisticalAreaCode + +Previous Field Name +(Prior to 2019) +Year +Assigned ID +Bank +FIPSStateCode +FIPSCountyCode +MSA + +Year +Loan Characteristics ID +Bank +FIPS State Numeric Code +FIPS County Code +Core Based Statistical Area Code + +CensusTractIdentifier + +Tract + +Census Tract Identifier + +CensusTractMinorityRatioPercent + +MinPer + +Census Tract Minority Ratio Percent + +1 +2 +3 +4 +5 +6 + +7 + +8 + +9 +10 + +CensusTractMedFamIncomeAmount +LocalAreaMedianIncomeAmount + +TraMedY +LocMedY + +Census Tract Median Family Income Amount +Local Area Median Income Amount + +11 + +TotalMonthlyIncomeAmount + +Income + +Total Monthly Income Amount + +12 HUDMedianIncomeAmount + +CurAreY + +HUD Median Income Amount + +13 + +LoanAcquisitionActualUPBAmt + +14 + +LTVRatioPercent + +15 NoteDate +16 +17 + +LoanAcquistionDate +LoanPurposeType + +UPB + +LTV + +MortDate +AcquDate +Purpose + +Loan Acquisition Actual UPB Amount + +LTV Ratio Percent + +Note Date +Loan Acquisition Date +Loan Purpose Type + +18 + +ProductCategoryName + +Product + +Product Category Name + +19 MortgageType + +FedGuar + +Mortgage Type + +20 +21 + +ScheduledTotalPaymentCount +LoanAmortizationMaxTermMonths + +Term +AmorTerm + +Scheduled Total Payment Count +Loan Amortization Max Term Months + +22 MortgageLoanSellerInstType + +SellType + +Mortgage Loan Seller Inst Type + +23 +24 + +BorrowerCount +BorrowerFirstTimeHomebuyer + +25 + +Borrower1Race1Type + +NumBor +First + +BoRace + +Borrower Count +Borrower First Time Homebuyer Indicator + +Borrower1 Race 1 Type + +Year Loan Was Reported +Unique Record ID (not actual loan number) +Name of Federal Home Loan Bank District +2 Digit FIPS State Code +3 Digit FIPS County Code +The Property's Five Digit numeric CBSA; 99999 if +state/county/tract combo is not in a CBSA or MSA +The property's Census Tract of Block Numbering Area +(BNA) +The percentage of the property's census tract +population that is minority. +The property's census tract median family income. +The property's median income for the area based on +the most recent decennial census. +The total monthly qualifying income used for +underwriting in whole dollars for all borrowers on the +loan. +Current median income for a family of four for the area +as established by HUD +The Amount of unpaid principal balance in whole +dollars when acquired by the FHLBank. +The loan-to-value ratio of the mortgage at time of +origination. +Year the mortgage was originated. +Year the mortgage was acquired. +Purpose of Loan: 1 = Purchase, 2 = No-Cash Out +Refinancing, 3 = Second Mortgage, 4 = New +Construction, 5 = Rehabilitation or Home +Improvement, 6 = Cash-out Refinancing, 7 = Other +Product type of Mortgage: 01=Fixed Rate, 02=ARM, +03=No Longer in Use, 04=GPM/GEM, 05=Reverse +Annuity Mortgage, 06=Other, 07-98=Reserved for +future use +Type of Mortgage and whether the mortgage is +guaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA +Rural Housing-FSA Guaranteed, 4=HECMs, 5=Title1- +FHA +Term of the Mortgage in Months +For Amortizing Mortgages, term of amortization in +months; 998 if non-amortizing loan +Type of Institution from which the FHLBank acquired +the mortgage. 01=Insured depository institution, +02=Housing Associate, 03=Insurance Company, 04=Non- +Federally Insured CU, 05=Non-Depository CDFI, +06=Other FHLBank, 09=Other +Number of Borrowers +Numeric code indicating whether borrower is a first +time homebuyer. 0 = No, 1 = Yes +Numeric code indicating the race of the Borrower. +1=American Indian or Alaska Native, 2=Asian, 3=Black +or African American, 4=Native Hawaiian or other +Pacific Islander, 5=White, 6=Information not provided +by Borrower, 7=Not Applicable (First or primary +borrower is an institution, corporation or partnership) diff --git a/chunks/txt/e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9.txt b/chunks/txt/e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9.txt new file mode 100644 index 0000000000000000000000000000000000000000..4987408c3db70390b651e0b6f18eb83ed9f11978 --- /dev/null +++ b/chunks/txt/e71849fecd5769ee78b7414fda139c853a0c48150ed404ada7ae76e9b5ff7ae9.txt @@ -0,0 +1,34 @@ +10. How are property characteristics described and identified? + +UAD 3.6 provides standardized data fields and enumerations to define the property, helping lenders and other +end users better understand the property’s characteristics to verify property eligibility and determine overall +collateral risk. + +11. Does UAD 3.6 support land only appraisals? + +No, these appraisals are not in scope of the UAD and Forms Redesign project. + +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 | 3 + +12. What is the UAD Compliance API? + +The appraiser, through their appraisal software provider, has the ability to run the UAD compliance rules through +an API. Fannie Mae and Freddie Mac created UAD Compliance APIs to evaluate the XML for compliance with the +UAD Delivery Specification. The rules check for data completeness, validity (format and data type), and +reasonableness. + +The UAD Compliance API does not include Loan Collateral Advisor® or Collateral Underwriter® messages or +findings, such as eligibility, risk scores or appraisal quality. + +To see a full list of the rules that are run by the UAD Compliance API, download Appendices H-1, H-2, and H-3. + +13. What are the Uniform Loan Delivery Dataset (ULDD) requirements that are related to UAD 3.6? + +For lenders that deliver loans to the GSEs, the ULDD Phase 5 update includes enhancements to align ULDD +property data points with UAD 3.6. These updates must be implemented by July 28, 2025. For more information, +see the Fannie Mae and Freddie Mac ULDD webpages. diff --git a/chunks/txt/e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b.txt b/chunks/txt/e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f620ee3bda1a7ce67975c1736c79504c842eaab --- /dev/null +++ b/chunks/txt/e7254c2a5a0b4049d8ccdb713b1bb1bed5062cace756b4fac2f62afce371164b.txt @@ -0,0 +1,86 @@ +Page 32 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Sales +Comparison +Approach +Section + +Address +The appraiser must enter the physical +address of the subject property and each +comparable sale. Refer to “Property Address” +and “Unit#” (if applicable) data fields in the +Subject section for the requirements on +completing this field. + +Reporting Format: +Property Address – Text +Unit # (if applicable) – Text +City – Text +State – 2-letter USPS abbreviation +ZIP Code – 5-digit ZIP Code or ZIP+4 code +(either with or without the dash) + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Proximity to Subject + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +The appraiser must enter the proximity of the +comparable sales to the subject property, +expressed as a distance in miles. The +distance between the subject property and +each comparable property is to be measured +using a straight line between the properties. +The direction of the comparable property in +relation to the subject property must be +expressed. + +If the address for a comparable property is not +found by the appraiser’s mapping program, +the appraiser must choose a location on the +map as close as possible to the address of the +comparable property to derive an accurate +distance calculation. diff --git a/chunks/txt/e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1.txt b/chunks/txt/e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..2019633a47c5b50c68ce6c2a1b4df6b01605f713 --- /dev/null +++ b/chunks/txt/e73c6c18b3ed8b4fc3d33ed7f2aef943d09bb119690e8e89389f69a4c5e834f1.txt @@ -0,0 +1,100 @@ +This field may not exist in all forms vendor +software. + +APPRAISER +CERTIFICATION + +Appraiser +Company Address + +Appraiser Street +Address + +The street address of the appraiser. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_StreetAddress + +50 + +String + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +Appraiser City + +The city in which the address of the +appraiser is located. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_City + +70 + +String + +Appraiser State + +The state in which the address of the +appraiser is located. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_State + +2 + +String + +Should conform to USPS (Pub 28). The following address elements should be +included in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +• Address unit designator and number (if applicable) +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• City + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• USPS two-letter state or territory representation + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +Appraiser Postal +Code + +The postal code (zip code in US) of the +address of the appraiser. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_PostalCode + +APPRAISER +CERTIFICATION +APPRAISER +CERTIFICATION + +Appraiser +Telephone Number +Appraiser +Email Address + +Contact Point Value + +Contact Point Value diff --git a/chunks/txt/e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128.txt b/chunks/txt/e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128.txt new file mode 100644 index 0000000000000000000000000000000000000000..2d61b74bcd5b1d29f72b9cddcd0b79e43e0b83d4 --- /dev/null +++ b/chunks/txt/e747a4e445252aa3cbe3a9f85b7bc70dc0a271d8988283d93f153dcbbe958128.txt @@ -0,0 +1,101 @@ +172 + +IMPROVEMENTS + +Amenities +Patio/Deck + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Patio']/@_ExistsIndicator + +173 + +IMPROVEMENTS + +Amenities +Patio/Deck Description + +Amenity Detailed +Description + +A free-form text field used to describe, in +detail, the amenity specified by Amenity +Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Patio']/@_DetailedDescription + +174 + +IMPROVEMENTS + +Amenities +Porch + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Porch']/@_ExistsIndicator + +175 + +IMPROVEMENTS + +Amenities +Porch Description + +Amenity Detailed +Description + +A free-form text field used to describe, in +detail, the amenity specified by Amenity +Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Porch']/@_DetailedDescription + +176 + +IMPROVEMENTS + +Amenities +Pool + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Pool']/@_ExistsIndicator + +Numeric + +PDF Display Format: +Whole numbers only. + +Boolean + +If none, then zero (0) should be entered. +A value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is not +checked. +UAD Instruction - Refer to Appendix D Improvements Section + +This field should be indicated if the value of +field 1-171 (Amenity Count) is greater than + +String + +PDF Display Format: +Whole numbers only. diff --git a/chunks/txt/e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99.txt b/chunks/txt/e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99.txt new file mode 100644 index 0000000000000000000000000000000000000000..d5a74829dc62aee9456e436f2e865ff9946ddbaf --- /dev/null +++ b/chunks/txt/e7527d56d07593aa5a09a2df50873e0a004f25c7df24e5d39b99445a8ac43f99.txt @@ -0,0 +1,64 @@ +Comparative Unit +Economic Age-Life + +Cost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their +foundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known +cost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area. + +The total depreciation for the dwelling includes the attached garage. Depreciated costs were calculated on an economic age-life basis at 4% +per year for the dwelling and 6% per year for the garage. Depreciated site improvements include public utility hook-ups, driveway, sidewalks, +patio, and porch. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Sales Comparison Approach +$275,000 + +Income Approach + +Cost Approach +$271,410 + +Not Necessary for Credible Results + +Appraisal Summary + +Opinion of Market Value +Market Value Condition + +$275,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal + +110 days +03/14/2022 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Apparent Defects, Damages, Deficiencies + +None + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 18 of 20 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. diff --git a/chunks/txt/e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136.txt b/chunks/txt/e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136.txt new file mode 100644 index 0000000000000000000000000000000000000000..6155ac4820bf937e74c35ba43af844f7b096e039 --- /dev/null +++ b/chunks/txt/e75d61fb83ad92d3a1d124cee3e7daa47ea20db4dd4df8a1b0e9a98023d8d136.txt @@ -0,0 +1,94 @@ +Highest and Best Use Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Market + +Market Area Boundary The subject market is roughly bounded by Keaau and Hawaii State parkland to the north, the Pacific Ocean to the +east and the south, and State Route 130 to the west. + +Search Criteria Description Closing dates between 09/01/2018-09/01/2019 and bounded by Keaau and Hawaii State parkland to the north, +the Pacific Ocean to the east and the south, and State Route 130 to the west. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +7 +148 +$234,900 +$352,000 +$739,000 +1 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Price Trend Source + +10 +$200,500 +$403,230 +$620,000 +No +MLS + +Price Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be consistent +across the year. Supply and demand are in balance and the absorption rate is typical of historical trends. The market in the subject area is +considered to be stable. + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time + +3 to 6 months + +Additional commentary can be added here, if needed by Appraiser. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +FSBO + +Listing ID + +Start Date + +End Date + +DOM +0 + +Starting +List Price + +Current or +Final List Price +$160,000 + +Total DOM 0 + +Analysis of Subject Property Listing History The subject was not listed on the open market. This is a private sale between investors. The +appraiser is unaware of any other listings or agreements for sale. diff --git a/chunks/txt/e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec.txt b/chunks/txt/e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec.txt new file mode 100644 index 0000000000000000000000000000000000000000..aeee2aa97b01ea11bbe8e384888ec5ef8c312542 --- /dev/null +++ b/chunks/txt/e75f1d17e7bb2fd5d8779cb7bbfb6204907b2d29626b09ceaf4e38ecbf3dfbec.txt @@ -0,0 +1,28 @@ +If there is market resistance to an area because of environmental hazards or any other conditions that affect well, septic, or public +water facilities, the appraisal report must address the effect of the hazards on the value and marketability of the subject property +(see SB4-1.4-08, Apparent Environmental Conditions). + +Property Access + +The appraisal report must identify the primary access (ingress and egress) to the subject property. The subject property should be +accessed from a publicly dedicated and maintained street that meets community standards and is generally accepted by area +residents. If the subject’s primary access is not typical of other properties in the community, the appraiser must address the effect +of that location on the value and marketability of the subject property. + +The presence of sidewalks, curbs and gutters, streetlights, and alleys depends on local customs. If they are typical in the +community, they should be present on the subject site. The appraiser must comment on any adverse conditions and address their +effect on the value and marketability of the subject property. + +Community-Owned or Privately Maintained Streets + +If the property is located on a community-owned or privately-owned and maintained street, an adequate, legally enforceable +agreement or covenant for maintenance of the street is required. The agreement or covenant should include the following +provisions and be recorded in the land records of the appropriate jurisdiction: + +• + +responsibility for payment of repairs, including each party’s representative share; + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 79 of 166 diff --git a/chunks/txt/e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591.txt b/chunks/txt/e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591.txt new file mode 100644 index 0000000000000000000000000000000000000000..2308db15b16965ad9033543bd03dfa4293a4c03c --- /dev/null +++ b/chunks/txt/e7652afa99fa9cbf79a232abb10daf86181930a0d7d508ec8f66b7a62326c591.txt @@ -0,0 +1,91 @@ +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 321 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +25 Cost Approach + +Cost Approach Commentary + +Cost Approach Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +25.057 Cost Approach + +If applicable + +Free-form + +Commentary + +Definition / Additional Guidance + +Commentary could include information pertinent to the Cost Approach section +that is not captured in the discrete data, or additional details to support the +discrete data that is provided. + +Cost Approach Exhibits + +All photos or images related to the Cost Approach section are displayed in the Cost Approach Exhibits +subsection. If there are no photos or images, this subsection does not display. + +Cost Approach Exhibits + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +See +iGuide + +Cost Approach +Exhibits + +If applicable + +Photos or images + +Definition / Additional Guidance + +Photos or images relevant to the Cost Approach section may be provided, +which display in Cost Approach Exhibits. If the photo or image is not specifically +indicated above, a caption must be provided to further identify the photo or +image. + +Appendix F-1: URAR Reference Guide + +Page 322 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +26 Reconciliation + +The Reconciliation section includes information about the different approaches to value, market value +conditions, the final opinion of market value, reporting of client requested conditions (if any), and an overall +reconciliation of value. diff --git a/chunks/txt/e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff.txt b/chunks/txt/e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef5288558edae6402125a24f788f3ea92b8b31a3 --- /dev/null +++ b/chunks/txt/e77ac55bd6d0242df09586bf97acf837e6f69d95d00db223b4e50aa78838dbff.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/blog" +date_accessed: "2026-01-27T17:54:20.256Z" +--- + +> *[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) diff --git a/chunks/txt/e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a.txt b/chunks/txt/e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e9e748d9213130098a88c6fdbfdf4f87c1eac6c --- /dev/null +++ b/chunks/txt/e77f479a3f60d0c1e2dd1903cbf26dfc4df949d6447ab53d9db992a76f7bf40a.txt @@ -0,0 +1,3 @@ +© 2019 Fannie Mae. Trademarks of Fannie Mae. + +Page 2 of 2 diff --git a/chunks/txt/e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4.txt b/chunks/txt/e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff137fce5286283d568383926004f7173bb1b9b2 --- /dev/null +++ b/chunks/txt/e785c002539b86dffb95a6dc59124db036d64dd2bab8c0d4577f8c288dc8bdd4.txt @@ -0,0 +1,39 @@ +In this document, tables are used to define the fields in the Completion Report. Column headings are as follows: +• Report Field ID: A red number identifying the specific location of the field on the Completion Report. +• Report Label: The name of the field as shown on the Completion Report. +• When to Include: The conditionality for when the information is required, expressed in business terms. + +o Examples: Always required, Required for FHA, If applicable. +o Note: When information is required is not always the same as when it displays. + +• Allowable Answers / Format + +o Examples: Yes | No, Free-form, Number, Choose allowable answer(s) from a list or table. +• Definition / Additional Guidance: The definition in business terms, including notes and examples, a list of + +allowable answers, and additional guidance. + +o Note: Allowable answers with complex definitions are in a separate table. + +Appendix F-3: Completion Report Reference Guide + +Page 5 of 33 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Document Conventions + +The following fonts and colors are used in this document: +• Section names (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold. +• Report Field ID: A red number identifies the specific location of the field on the Completion Report. + +o The number starts with the section number, as shown in Completion Report Section Organization. + +For example, fields displaying in the Completion Status section start with 05. + +o Not on Report indicates that the information is included in the data but does not display. +o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to diff --git a/chunks/txt/e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c.txt b/chunks/txt/e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c.txt new file mode 100644 index 0000000000000000000000000000000000000000..723c83682ac98d6a15c9d65cb4f0ac4754a49342 --- /dev/null +++ b/chunks/txt/e7866917e428ff22a910e949b9d35344ba9bb38934f0901b5fae9579f8b2b92c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/annual-housing-report" +date_accessed: "2026-01-27T17:54:20.645Z" +--- + +> *[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) diff --git a/chunks/txt/e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b.txt b/chunks/txt/e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b.txt new file mode 100644 index 0000000000000000000000000000000000000000..952473b8dd2cc807a56b410da4af2a9728bc7eef --- /dev/null +++ b/chunks/txt/e78b3820b0ab492dc68b9c787f270af80e898f48bfa23c924e6f356ecebfc75b.txt @@ -0,0 +1,93 @@ +/VALUATION_RESPONSE/REPORT/@Appra +iserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifierName + +4a + +HEADER + +BLANK + +Appraiser Additional +File Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifier + +APPRAISER +CERTIFICATION + +Appraiser +Name + +Appraiser Name + +APPRAISER +CERTIFICATION + +Appraiser +Company Name + +Appraiser Company +Name + +The name of the party that performed +the appraisal of the property. +The name of the appraisal company +that performed the appraisal of the +property. + +/VALUATION_RESPONSE/PARTIES/APPRA +ISER/@_Name + +/VALUATION_RESPONSE/PARTIES/APPRA +ISER/@_CompanyName + +50 + +50 + +50 + +50 + +50 + +55 + +50 + +String + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. diff --git a/chunks/txt/e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b.txt b/chunks/txt/e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbb692c4cc48f74816fee7cae80406a74dc0bef4 --- /dev/null +++ b/chunks/txt/e78c445b2a30e231011d6e5ed52cc0fe499d9765e18b22dc1819c7af2389773b.txt @@ -0,0 +1,174 @@ +$0 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Q3 + +Q3 + +Exterior Walls and Trim + +Aluminum | Synthetic Stone Cedar Siding | Synthetic Stone + +Crawl Space + +C2 + +New or Like New + +New or Like New + +Crawl Space + +C2 + +New or Like New + +New or Like New + +Q4 + +Vinyl + +Post and Pier + +C3 + +Typical Wear and Tear + +Typical Wear and Tear + +Q3 + +Cement Board + +Crawl Space + +C2 + +New or Like New + +New or Like New + +Q3 + +Q3 + +Q4 + +Q3 + +Energy Star appliances +and wood cabinets + +Energy Star appliances +and wood cabinets + +Builder Grade Quality +Appliances and Cabinets + +Overall Bathrooms + +Metal plumbing fixtures + +Metal plumbing fixtures + +Condition + +Kitchen + +Overall Bathrooms + +C2 + +Fully Updated + +Fully Updated + +C2 + +Fully Updated + +Fully Updated + +Builder Grade Finishes +and Fixtures + +C3 + +Not Updated + +Not Updated + +Energy Star appliances +and wood cabinets + +Metal plumbing fixtures + +C2 + +Fully Updated + +Fully Updated + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 12 of 20 + +Sales Comparison Approach (continued) + +Property Address + +123 Anywhere St +Somecity, TN 12345 + +42 Forest Ln +Somecity, TN 12345 + +542 New East St +Somecity, TN 12345 + +7525 New South Hwy +Somecity, TN 12345 + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Vehicle Storage + +Type | Spaces | Detail + +Summary + +List Price + +Contract Price diff --git a/chunks/txt/e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48.txt b/chunks/txt/e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ff999db496dfbe3e336f73bd48c6e330dd77ec4 --- /dev/null +++ b/chunks/txt/e793dd916bcc1407eaa38b401ac0f844e949a761934c470fa9145e52f610ef48.txt @@ -0,0 +1,54 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEAgeEstimationIndicator + +SALES +COMPARISON +APPROACH + +Actual Age + +SALES +COMPARISON +APPROACH + +Actual Age + +GSE Age +Estimation Indicator + +Indicates if the age of the property is +estimated. + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='Age']/@_Description + +This data is referenced more than once on the form in the Site Section, and must be +represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +If a view factor not on the list provided materially affects the value of the property, the +appraiser must select 'Other' and enter a description of the view associated with the +property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Instruction - Refer to Appendix D Sales Comparison Approach Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4.txt b/chunks/txt/e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4.txt new file mode 100644 index 0000000000000000000000000000000000000000..98150ae170a4aab0fb1ead6ba46f5222ac03b9d4 --- /dev/null +++ b/chunks/txt/e798327733231e1c8254c807362b658167853f3eae72ca8861b0ce8160a085e4.txt @@ -0,0 +1,124 @@ +Either field 2-129 (Valuation Reconciliation +Condition of Appraisal Type = 'AsIs'), or at +least one of fields 2-130, 2-131, 2-132 (other +values of Valuation Reconciliation Condition +of Appraisal Type) must be indicated. If field +2-129 is indicated, then none of fields 2-130, +2-131, 2-132 may be indicated. + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 69 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 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +392 + +2 + +130 + +RECONCILIATION + +The appraisal is made +“subject to completion” + +Valuation +Reconciliation +Condition of +Appraisal Type + +Specifies the appraisal's conclusion's +dependency on future repairs or +activities. + +/VALUATION_RESPONSE/VALUATION/_R +ECONCILIATION/_CONDITION_OF_APPRA +ISAL[@_Type='SubjectToCompletion'] + +20 + +Enumerated + +UAD Requirement - Refer to Appendix D Reconciliation Section +A separate Valuation Reconciliation Condition of Appraisal element must be +populated for each box that is checked. + +393 + +2 + +131 + +RECONCILIATION + +394 + +2 + +132 + +RECONCILIATION + +The appraisal is made +“subject to the following +repairs” + +Valuation +Reconciliation +Condition of +Appraisal Type + +The appraisal is made +“subject to the following +required inspection” + +Valuation +Reconciliation +Condition of +Appraisal Type + +Specifies the appraisal's conclusion's +dependency on future repairs or +activities. diff --git a/chunks/txt/e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6.txt b/chunks/txt/e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa9a5667c5d7e890a01038c7062bdbbb6fa31192 --- /dev/null +++ b/chunks/txt/e79cac17f377a8014be716869860f38d0a6ebdbb1e347a303d8d1523449821c6.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/" +date_accessed: "2026-01-27T17:47:50.337Z" +--- + +> *[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) diff --git a/chunks/txt/e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1.txt b/chunks/txt/e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1.txt new file mode 100644 index 0000000000000000000000000000000000000000..99d9c8cc7ce0c944a9bb7f1d7a92148f3d5a0915 --- /dev/null +++ b/chunks/txt/e7af7ee6d948c388784ffde4d230d9c7260cfa855902b6e76a741cdf0e7702e1.txt @@ -0,0 +1,5 @@ +Site Features and Impact to Value/Marketability .................................................................................................................................................................... 126 + +Utilities and Impact to Value/Marketability ............................................................................................................................................................................. 129 + +Apparent Defects, Damages, Deficiencies (Site) ...................................................................................................................................................................... 133 diff --git a/chunks/txt/e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631.txt b/chunks/txt/e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631.txt new file mode 100644 index 0000000000000000000000000000000000000000..80414477c935fa6a3c89156b9a6953f6729eb446 --- /dev/null +++ b/chunks/txt/e7b3ef7188bd0afe158a3b7ef13e6cf52fe63d8f25adef8d5d9bb9bd564e9631.txt @@ -0,0 +1,91 @@ +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 + +N/A + +05.029 +05.030 + +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. + +Supervisory Appraiser Certifications + +The Supervisory Appraiser Certifications subsection displays when there is a Supervisory Appraiser, as displayed +in the Assignment Information section (04.026-04.040). The predefined supervisory appraiser certifications +always display, and additional supervisory appraiser certifications may be added when relevant. + +Additional Supervisory Appraiser Certifications + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +This is an +appraiser input +that does not +display + +Required when there +is a Supervisory +Appraiser + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Additional Supervisory Appraiser Certifications +Indicates whether there are additional appraiser certifications. + +05.047 +05.037 + +N/A + +Displays when +Additional Supervisory +Appraiser +Certifications is Yes + +Free-form + +Additional Supervisory Appraiser Certification Text +Additional certifications that are required, such as designations. + +Notes: +• + +Additional supervisory appraiser certifications cannot be contrary to, and +should not repeat, the predefined supervisory appraiser certification text. +Any prior services by the Supervisory Appraiser are reported here. diff --git a/chunks/txt/e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834.txt b/chunks/txt/e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834.txt new file mode 100644 index 0000000000000000000000000000000000000000..e9f7e82bfcc759f37b0d44af44858f5b106db26d --- /dev/null +++ b/chunks/txt/e7bfa43f38994aa9d7ddf47e6b17ec4a39eaaf997902831514a1c20d98e67834.txt @@ -0,0 +1,112 @@ +/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentId +entifier + +19 + +String + +502 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +503 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +504 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +505 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +The Y value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The X value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The Y value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The X value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCAT +ION/@LatitudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCAT +ION/@LongitudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC +ATION/@LatitudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC +ATION/@LongitudeNumber + +30 + +30 + +30 + +30 + +PDF Display: +UAD Version 9/2011 + +String + +The latitude of the subject property + +String + +The longitude of the subject property + +String + +The latitude of the comparable property + +String + +The longitude of the comparable property + +If field 6-27 (Supervisor Name) is populated or +field 6-15 is populated with 'trainee', then one +and only one of fields 6-34, 6-35 (Appraiser +License Identifier) must be populated. diff --git a/chunks/txt/e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4.txt b/chunks/txt/e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4.txt new file mode 100644 index 0000000000000000000000000000000000000000..24d76051b7936a3fc1257b8f9f17982b31460c6d --- /dev/null +++ b/chunks/txt/e7d8b2d3f9a37a170b9de11402fb5c2129b6065165f9b76f1eca13992618a9b4.txt @@ -0,0 +1,49 @@ +Selling Guide Announcement (SEL-2025-10) + +Dec. 10, 2025 + +The Selling Guide has been updated to include changes to the following: + + HomeStyle® Refresh: introducing a rebranded version of HomeStyle® Energy with expanded financing options + +and streamlined requirements + + HomeStyle® Renovation: expanding eligible upfront disbursements, removing $50,000 renovation cap for +manufactured homes, and clarifying using limited cash-out refinance transactions to buy out a co-owner’s +interest + + Remove the 3% acceptability requirement for 7- and 10-year ARMs: eliminating this requirement for ARM loans + +with longer initial fixed-rate periods + + Accessory dwelling units and manufactured homes: expanding property eligibility criteria for accessory dwelling + +units and manufactured homes + + Preventing, detecting and reporting mortgage fraud clarifications: eliminating inconsistencies and adding + +additional resources and clarity to prevent fraudulent transactions + + Miscellaneous update: + +o Clarifications to minimum credit score requirements + +HomeStyle Refresh + +We updated the Selling Guide to introduce HomeStyle Refresh, a rebranded version of the HomeStyle Energy mortgage. This +update reinforces our continued commitment to supporting sustainable, resilient, and affordable housing through flexible +renovation financing options and includes key changes shown below. + +Financing and Eligibility + + + + + + + +Renovation costs may be financed up to 15% of the as-completed appraised value. +Standard loan-to-value (LTV) ratio. +For purchase transactions, LTV is based on the lesser of the as-completed appraised value or the purchase price plus +renovation costs. +For limited cash-out transactions, LTV is based on the as-completed appraised value. diff --git a/chunks/txt/e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62.txt b/chunks/txt/e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62.txt new file mode 100644 index 0000000000000000000000000000000000000000..44dad9cc9f50fdc6ae4904875504b4881c8c28b6 --- /dev/null +++ b/chunks/txt/e7def04ef617fe738669a5d7396a4ac09fe3cc1babc24e95a595d05cb78e8d62.txt @@ -0,0 +1,74 @@ +10 + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. + +The sum of this field 2-86 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-88, 2- +90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘HeatingCooling’]/@_Description + +20 + +String + +This is a free text field which should describe the heating/cooling. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘HeatingCooling’]/@_Amount + +10 + +Money + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘EnergyEfficient’]/@_Description + +20 + +String + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘EnergyEfficient’]/@_Amount + +10 + +Money + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘CarStorage’]/@_Description + +20 + +String + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘CarStorage’]/@_Amount + +10 + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This is a free text field which must describe any energy efficient items. diff --git a/chunks/txt/e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b.txt b/chunks/txt/e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d30bcc69e6235f3ebaf5897c0713ebc9d3242ec --- /dev/null +++ b/chunks/txt/e7eaaffc5b34905aa8edc8e24495c0e42d89c79671ed8ce0bf711ed5bd3d887b.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/legal-documents" +date_accessed: "2026-01-27T17:47:55.686Z" +--- + +> *[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) diff --git a/chunks/txt/e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0.txt b/chunks/txt/e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..c21e9b6f2dff2857660c8bea517c579460974091 --- /dev/null +++ b/chunks/txt/e7f23e7773f514e5b5a86e4087608a6a9091ccc317a93d79c0bf07f8c01630b0.txt @@ -0,0 +1,160 @@ +If field 1-122 (GSE NFIP Flood Zone +Identifier) has a value that does not equal +'None' then it should be populated. + +One and only one of fields 1-125, 1-126 +(values of Property Analysis Exists Indicator +and Property Analysis Type = +'UtilitiesAndOffSiteImprovementsConformT +oNeighborhood') should be indicated. + +One and only one of fields 1-125, 1-126 +(values of Property Analysis Exists Indicator +and Property Analysis Type = +'UtilitiesAndOffSiteImprovementsConformT +oNeighborhood') should be indicated. + +If field 1-126 (Property Analysis Exists +Indicator = 'N' and Property Analysis Type = +'UtilitiesAndOffSiteImprovementsConformT +oNeighborhood') is indicated, this field +should be populated. +One and only one of fields 1-128, 1-129 +(values of Property Analysis Exists Indicator +and Property Analysis Type = +'AdverseSiteConditions') should be +indicated +One and only one of fields 1-128, 1-129 +(values of Property Analysis Exists Indicator +and Property Analysis Type = +'AdverseSiteConditions') should be +indicated +If field 1-128 (Property Analysis Exists +Indicator = 'Y' and Property Analysis Type = +'AdverseSiteConditions') is indicated then +this field should be populated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +127 + +128 + +129 + +130 + +131 + +132 + +133 + +134 + +135 + +136 + +137 + +138 + +139 + +140 + +141 + +142 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 137 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 diff --git a/chunks/txt/e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5.txt b/chunks/txt/e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5.txt new file mode 100644 index 0000000000000000000000000000000000000000..4ee66c24dc931168b1a54dc5848e7a8f8ad78039 --- /dev/null +++ b/chunks/txt/e802c3accd10926676a7f87e0cd233fc4495517ce800f10b4410913bcc06bec5.txt @@ -0,0 +1,127 @@ +Report +Field ID + +4.107 + +# + +4.108 + +Address + +4.108 + +Address + +4.109 + +County + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Site: Site Valuation Methodology - Land Comparables + +Required for each land +comparable + +If available for each +land comparable + +Required for each land +comparable + +Required for each land +comparable + +1, 2, 3 … + +Land Comparable # + +Free-form + +Land Comparable Street Address +If the street address is unavailable or has not yet been assigned, provide any +information necessary to identify the property. + +Free-form + +Land Comparable City, State, ZIP Code + +Free-form + +Name of the county or parish as defined by the state. + +Note: If the land comparable is not located in any county (e.g., located in an +independent city), enter the name of the local municipality or district in which +the property is located. + +4.110 + +Data Source + +Required for each land +comparable + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Assessor Record +Builder or Developer +Data Aggregator +Exterior Inspection +Homeowners Association +Land Survey +Lender + +Land Comparable Data Source +• +• +• +• +• +• +• +• MLS +• +• +• +• +• + +Previous Appraisal File +Property Owner +Real Estate Agent +Zoning +Other (Describe) + +4.110 + +Data Source + +Free-form + +Required when Land +Comparable Data +Source is MLS, or if +applicable for other +data sources + +Data Source Identifier: A unique number or identifier assigned to the land +comparable by the data source. +Notes: +• +• + +If Land Comparable Data Source is MLS, the MLS number is required. +If a data source has an identifier, it must be reported on the URAR. diff --git a/chunks/txt/e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f.txt b/chunks/txt/e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ae87d8ec9600d3fd870af8307d7a712618b485f --- /dev/null +++ b/chunks/txt/e80e1de0a459022b0010f0668b65f4414d68a088523fd95770c04cca70a3628f.txt @@ -0,0 +1,196 @@ +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Exterior Quality and Condition + +22.08.03 +22.08.18 + +Exterior Walls +and Trim + +If relevant + +Required when the +row is included in the +sales comparison grid + +Dwelling Exterior +• +Exterior Wall +Material 8.025 + +No + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +22.08.04 +22.08.19 + +Foundation + +If relevant + +Required when the +row is included in the +sales comparison grid + +22.08.05 +22.08.20 + +Roof + +If relevant + +Required when the +row is included in the +sales comparison grid + +Dwelling Exterior +• + +Foundation Type +8.029 + +Dwelling Exterior +• + +Roof Material +8.033 + +No + +No + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +• +Adobe +• +Aluminum +• +Asbestos +• +Brick +• +Cement Board +• +Concrete Block +• +Engineered Wood +• +Glass +• +Log +• +Poured Concrete +• +Steel +• +Stone +• +Stucco +• +Synthetic Stone +• +Synthetic Stucco +• +Vinyl +• Wood +• + +Other (Describe) + +• +• +• +• +• +• + +Basement +Crawl Space +Post and Pier +Runner +Slab +Other (Describe) + +Asbestos +Asphalt +Ceramic Tile +Clay +Composition +Concrete +Copper + +• +• +• +• +• +• +• +• Metal +• +• +• +• +• +• Wood +• + +Rubber +Slate +Solar Shingles +Synthetic +Tar/Gravel + +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 252 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance diff --git a/chunks/txt/e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331.txt b/chunks/txt/e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331.txt new file mode 100644 index 0000000000000000000000000000000000000000..9d691faf15c57a87fc7e1fb1b24efabcd15cb99e --- /dev/null +++ b/chunks/txt/e8329a6eedff3a16334814d70861232c924ccdd0fbcbf219cb097ffa8bd1e331.txt @@ -0,0 +1,104 @@ +Rowhouse / Townhouse + +One dwelling in a series of more than two attached dwellings, all of which have at least one common wall with another +dwelling. + +Semi-Detached + +One dwelling of only two separately parceled, single-family dwellings sharing a common wall or otherwise attached on one +side (e.g., twin home, side-by-side, duplex). + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 95 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Rowhouses and Townhouses + +Additional information is required for rowhouses and townhouses. If the building is not a rowhouse or +townhouse these questions do not display. + +Report Label + +When to Include + +Report +Field ID + +8.006 + +Townhouse End +Unit + +8.007 + +Townhouse Back +to Back + +8.008 + +Units Above or +Below + +Required if Structure +Design is Rowhouse / +Townhouse + +Required if Structure +Design is Rowhouse / +Townhouse + +Required if Structure +Design is Rowhouse / +Townhouse + +8.009 + +Townhouse +Location + +Required if Units +Above or Below is Yes + +Dwelling Exterior: Rowhouses and Townhouses + +Allowable +Answers / Format + +Yes | No + +Yes | No + +Yes | No + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Indicates whether the rowhouse / townhouse is located at the end of a row of +attached properties. + +Indicates whether the rowhouse / townhouse shares a rear wall with a rear wall +of another property. + +Indicates whether there are other properties above and / or below the +rowhouse / townhouse. +• +• + +Yes (e.g., piggyback or stacked) +No diff --git a/chunks/txt/e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08.txt b/chunks/txt/e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08.txt new file mode 100644 index 0000000000000000000000000000000000000000..14c4328a5f537cc0a0fb00eea6d4ee76a46ebc42 --- /dev/null +++ b/chunks/txt/e835e800bbb08548093ea62a50babeeae7af9372b5c580eaba036aaf8d6fdf08.txt @@ -0,0 +1,129 @@ +WaterHeater + +false + +PropertyPhoto + +\\Images\DwellingFront.png + +image/png + +DwellingFront + +\\Images\DwellingFront.png + +image/png + +PropertyAccess + +\\Images\PropertyAccess.png + +image/png + +SalesComparableMap + +\\Images\ComparablesMap.png + +image/png + +RentalComparableMap + +\\Images\ComparablesMap.png + +image/png + +GrossRentMultiplierComparableMap + +\\Images\ComparablesMap.png + +image/png + +Busy Roadway, Residential + +SiteInfluence + +\\Images\PropertyAccess.png + +image/png + +Residential + +View + +\\Images\PropertyAccess.png + +image/png + +SubjectPropertyImprovementSketch + +\\Images\Sketch.png + +image/png + +MedianDaysOnMarketGraph + +\\Images\MedianDays.png + +image/png + +2023-05-01 + +Physical + +Physical + +false + +25.165173 + +-51.328125 + +The subject's market area is bounded to the North by I-20, to the East by Sundown Parkway, to the South by Main Street, and to the West by Cowboy County State Park. + +24 + +The pool of potential comparable sales was arrived at by applying the following filters: 4 unit properties built within the past 20 years, located within a 5 mile radius of the subject, sold during the past 12 months. + +12 + +950000 + +725000 + +43 + +850000 + +ActiveListings + +3 + +PendingSales + +18 + +925000 + +675000 + +800000 + +TotalSales + +UnderThreeMonths + +InBalance + +false + +An analysis of the sales in the past year for the subject's market area shows sales volume to be stable across the year. Supply and demand are in balance and the absorption rate is in line with historical trends. Sales prices in the market have been increasing. + +Bighorn Ranch + +Lot 2 Block A Bighorn Ranch + +21000 + +LandWithDwelling + +AssessorUnformattedIdentifier diff --git a/chunks/txt/e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89.txt b/chunks/txt/e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89.txt new file mode 100644 index 0000000000000000000000000000000000000000..096389ab81804412058bd9ab66f502b787af68bc --- /dev/null +++ b/chunks/txt/e85b4ecd5cc90fd6d347b21c6d3724658946b40815e002c2bd4b92713f21de89.txt @@ -0,0 +1,93 @@ +/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@MapRefe +renceIdentifier + +30 + +String + +/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@CensusT +ractIdentifier + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType=‘OwnerOccupied’] + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType=‘TenantOccupied’] + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY[@_CurrentOccupancyType=‘Vac +ant’] + +25 + +15 + +15 + +15 + +String + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-20, 1-21, 1-22 +(values of Property Current Occupancy Type) +must be indicated. +One and only one of fields 1-20, 1-21, 1-22 +(values of Property Current Occupancy Type) +must be indicated. +One and only one of fields 1-20, 1-21, 1-22 +(values of Property Current Occupancy Type) +must be indicated. + +23 + +SUBJECT + +Special Assessments $ + +Property Tax Total +Special Tax Amount + +/VALUATION_RESPONSE/PROPERTY/_TAX/@_TotalSpecialTaxAmou +nt + +10 + +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. + +SUBJECT + +PUD + +Project +Classification Type + +SUBJECT + +HOA $ diff --git a/chunks/txt/e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d.txt b/chunks/txt/e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..1bcb95b1758a6f3cfd12289c4f5169ad8b68a57f --- /dev/null +++ b/chunks/txt/e861947bbab9df9770db76e7947aa895975c7a03a57e06d04560051ccabc1d8d.txt @@ -0,0 +1,96 @@ +See Fannie Mae Implementation +Guide + +See Fannie Mae Implementation +Guide + +DEAL_SETS + +Loan Delivery File +Preparer + +Both GSEs + +Used for submitted files to +identify the sending system + +a. Possible Instances of PARTY in a Loan Delivery Data Set—DEAL Level + +The following examples illustrate how to send information about the parties to the +loan transaction. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 52 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Example IV-12. PARTY Container for PartyRoleType = Appraiser + +AppraiserLicenseIdentifier + + + +PartyRoleType + +Appraiser + +Notes: This instance of PARTY will be sent only if an appraisal was used to value the subject property. + +Example IV-13. PARTY Container for PartyRoleType = AppraiserSupervisor + +AppraiserLicenseIdentifier + + + +PartyRoleType + +AppraiserSupervisor + +Notes: This instance of PARTY will be sent only if an appraisal was used to value the subject property. + +Example IV-14. DEAL-Level PARTY Container with PartyRoleType = Borrower + +INDIVIDUAL + +FirstName + +MiddleName + +LastName + +SuffixName + +OR LEGAL ENTITY + +FullName + +LegalEntityType + +GenderType + +HMDAEthnicityType + +BorrowerQualifyingIncomeAmount + +BorrowerFirstTimeHomebuyerIndicator + +CounselingConfirmationType + +CounselingFormatType + +CreditRepositorySourceIndicator + +BorrowerMailToAddressSameAsPropertyIndicator CreditRepositorySourceType + +AddressType + +AddressLineText + +CityName + +StateCode + +PostalCode diff --git a/chunks/txt/e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3.txt b/chunks/txt/e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3.txt new file mode 100644 index 0000000000000000000000000000000000000000..f3b1321f674e80c2196d369229a1b9126288d06e --- /dev/null +++ b/chunks/txt/e86d0cc36787af0a3935d47f48cffc475ea2b38e28ff91c847c962a5347f8fb3.txt @@ -0,0 +1,44 @@ +13 + +The new enumeration of “Lender” for FundsSourceType for a grant (never called a gift, which come from +relatives; grants come from entities) is to be used when the lender is giving the borrower funds to cover all +or part of the down payment. These are typically for lower income, lower down payment loans that help the +lender meet their CRA requirements. This data is displayed on the Borrower Form URLA in section “4d. +Gifts or Grants You Have Been Given or Will Receive for this Loan”. + +13. How do new subordinate HELOC loans impact the LTV, Combined LTV and HCLTV + +calculations for DU, and how do existing HELOC loans (including those partially paid off) +impact LTV, Combined LTV and HCLTV? + +New subordinate or existing HELOC loans have no impact on the LTV. The drawn amount of a new or +existing HELOC is considered in the Combined LTV, and the maximum balance (credit available to the +borrower) of the HELOC is considered in the HCLTV. The following scenarios provide detailed +information on the LTV calculations. + +Scenario 1 – In addition to the new subject loan the borrower has two new subordinate liens (new Related +Loans) that are HELOC’s. HELOC 1, has a credit limit of $25,000, with $15,000 balance (Loan Amount / +Amount to be Drawn) leaving an undrawn amount of $10,000. HELOC 2, has a credit limit of $12,000, +with a $4,000 balance (Loan Amount / Amount to be Drawn) and an undrawn amount of $8,000. + +Data point name + +Form Field Name HELOC 1 + +HELOCMaximumBalanceAmount (6.0051) + +Credit Limit + +HELOC 2 +Value + +Value +25,000.00 12,000.00 + +Summary + +14 + +HELOCBalanceAmount (6.0220) + +TotalSubordinateFinancingAmount (7.0087) diff --git a/chunks/txt/e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18.txt b/chunks/txt/e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18.txt new file mode 100644 index 0000000000000000000000000000000000000000..01f119b29e86b5d3208eae3265830de858955177 --- /dev/null +++ b/chunks/txt/e886e9b145ce79f01cf9e0f4123ac3dda85542c1e3273da5eeb7ad332e66ba18.txt @@ -0,0 +1,264 @@ +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 43 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 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +172 + +173 + +174 + +175 + +176 + +177 + +178 + +179 + +180 + +181 + +182 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +166 + +IMPROVEMENTS + +167 + +IMPROVEMENTS + +168 + +IMPROVEMENTS + +Attic +Stairs + +Attic +Floor + +Attic +Scuttle + +Attic Feature Exists +Indicator + +Indicates if the feature specified in +Attic Feature Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/ATTIC/ATTIC_FEATURE[@_Type +='Stairs']/@_ExistsIndicator + +Attic Feature Exists +Indicator + +Indicates if the feature specified in +Attic Feature Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/ATTIC/ATTIC_FEATURE[@_Type +='Floor']/@_ExistsIndicator + +Attic Feature Exists +Indicator + +Indicates if the feature specified in +Attic Feature Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/ATTIC/ATTIC_FEATURE[@_Type +='Scuttle']/@_ExistsIndicator + +169 + +IMPROVEMENTS + +Attic +Finished + +Attic Feature Exists +Indicator + +Indicates if the feature specified in +Attic Feature Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/ATTIC/ATTIC_FEATURE[@_Type +='Finished']/@_ExistsIndicator diff --git a/chunks/txt/e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807.txt b/chunks/txt/e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b527a73863d824d5b0a1d760e67596ce05229b4 --- /dev/null +++ b/chunks/txt/e88c73bb845a89ae1bef564320a2700146a40d8cadf28539e3e6bd5db45b7807.txt @@ -0,0 +1,170 @@ +Report Label + +When Row +Displays + +When to Include for +each Comparable Unit + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Rental Information: Rental Comparison Grid + +23.03.05 + +Site Influence + +If relevant + +Site Influence is not +reported for +comparables + +23.03.29 + +Site Influence + +If relevant + +Required when the +row is included in the +rental comparison grid + +Superior, Similar +or Inferior + +Site +• + +• + +Site Influence +4.025 +Body of Water +Type 4.027 + +Site Influence +Comparison to Subject is +only applicable to +comparables + +23.03.06 View from + +If relevant + +Unit + +View from Unit is not +reported for +comparables + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +View from Unit does not +populate from Site; the +appraiser must enter +information for each +unit in the Rent +Schedule + +No + +Note: If Site Influence is Body of Water, Body of Water Type displays. + +No + +No + +Site Influence Comparison to Subject: Describes how the comparable’s +site influences compare to those of the subject property. + +Bay +Canal +City Street +Commercial +Cove +Creek +Golf Course +Gulf +High Density Residential +Highway +Industrial +Lake + +The view(s) from the subject unit. +• +• +• +• +• +• +• +• +• +• +• +• +• Marsh +• Mountain +• +Ocean +• +Park +• +Parking Lot +• +Pastoral +• +Pond +• +Reservoir +• +Residential +• +River +• +School +• +Skyline +• +Sound +• +Traffic Wall Barriers +• +Valley +• Woods +• + +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 295 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Report +Field ID + +Report Label + +When Row +Displays diff --git a/chunks/txt/e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a.txt b/chunks/txt/e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a.txt new file mode 100644 index 0000000000000000000000000000000000000000..e3ed2e9fdd3e28ebead7a9fb459b02e6ef1f80cf --- /dev/null +++ b/chunks/txt/e89cc679d4ea98a761d96dd37103bb98fdd1e633730e0f8269d5133ba259506a.txt @@ -0,0 +1,87 @@ +10.035 + +Interior +Condition Rating + +Always required + +C1 to C6 + +Reference Appendix 2: Condition and Quality Rating Definitions for definitions. + +10.036 N/A + +Always displays + +N/A + +Interior Condition Rating also displays in Overall Quality and Condition +(15.009), Sales Comparison Approach (22.09.10 and 22.10.09), and if +applicable in Rental Information (23.03.10). + +Note: Reflects the condition as if any required repairs, inspections, or +completions have been satisfactorily completed. + +The tables below support the Interior Quality and Condition ratings and reflect +the market value condition of this report + +Appendix F-1: URAR Reference Guide + +Page 135 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Kitchen and Bathroom Details + +Kitchen and bathroom details provide support to the Interior Quality and Condition ratings, and ultimately to +the Overall Quality and Condition Ratings. + +Information for each Kitchen and Bathroom in the Unit + +Unit Interior: Kitchen and Bathroom Details + +Report +Field ID + +Report Label + +When to Include + +10.037 Room + +Required for each +kitchen and bathroom +in the unit + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Bath – Half +Bath – Full +Kitchen + +• +• +• +Notes: +• +• + +Redisplays from the Level and Room Detail table (10.029). +Photo(s) of each kitchen and bathroom must be provided, which display +in Unit Interior Exhibits with Level and Room Type. If there are multiple +kitchens or bathrooms, provide an additional caption to identify the +photo. Examples: Bath 1, Upstairs Bath. diff --git a/chunks/txt/e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6.txt b/chunks/txt/e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..57f734dd040f008ac2b03c1c35b9494146157bba --- /dev/null +++ b/chunks/txt/e89e7a159c86d91a4e6709d8aae77172327d5ecc51f7b958e9b3a2211cee16a6.txt @@ -0,0 +1,26 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 19 of 20 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. diff --git a/chunks/txt/e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40.txt b/chunks/txt/e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40.txt new file mode 100644 index 0000000000000000000000000000000000000000..22160632ea855764c399de687ccb901560565d54 --- /dev/null +++ b/chunks/txt/e8a5d5b01ce8ab2648ed32b3c6c94249c66a924fdca51e04da951fc08c2efe40.txt @@ -0,0 +1,43 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 182 of 166 + +UAD 3.6 Policy + +• + +cash-out for reimbursement of documented out-of-pocket expenses for the completed repair of disaster-related +property damage to their principal residence in an amount not to exceed the lesser of 10% of the balance of the new +refinance loan or $15,000. + +All existing guidelines and requirements for limited cash-out refinance transactions listed in this section continue to apply, +including those for Texas Section 50(a)(6) loans (see Selling Guide B5-4.1-01, Texas Section 50(a)(6) Loans). + +Documentation of Eligible Disaster-Related Expenses and Financing + +The lender must document that the subordinate financing (or a portion of the HELOC) or the entire requested cash-out amount +represents funds used for completed disaster-related property repairs. + +Generally, documentation includes copies of receipts, work orders, canceled checks, etc., related to the cost of materials and +labor. + +The borrower may not receive any reimbursement for amounts representing their sweat equity in connection with the repairs. + +Note: All documentation must post-date the disaster and be directly related to completed repairs of damage to the property +resulting from the disaster. + +Limited Cash-Out Refinance DU Requirements + +Certain messages on the DU Underwriting Findings Report will not apply to loans originated under the disaster-related limited +cash-out refinance requirements. + +When the loan complies with the requirements of this section, lenders may disregard the following messages: + +• + +• + +• + +This case is ineligible because the amount of cash taken out of the subject property equity exceeds the limit of the +greater of 1% of the loan amount or $2,000 for limited cash-out refinances. diff --git a/chunks/txt/e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339.txt b/chunks/txt/e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339.txt new file mode 100644 index 0000000000000000000000000000000000000000..097f59e256ef9ae1e19f6f237e5887670da71878 --- /dev/null +++ b/chunks/txt/e8aa93c1b6feb36a6c72aeefeff77c6a337760965564db2745dbb5c19e22e339.txt @@ -0,0 +1,78 @@ +Describe the condition of the +property (including needed +repairs, deterioration, +renovations, remodeling, etc.) + +GSE Estimate Year +Of Improvement +Type + +The time period associated with the +updating or remoding of the property +described by GSE Improvement Area +Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CONDITION_DETAIL +_EXTENSION/CONDITION_DETAIL_EXTENSION_SECTION[@ExtensionSe +ctionOrganizationName='UNIFORM APPRAISAL +DATASET']/CONDITION_DETAIL_EXTENSION_SECTION_DATA/CONDIT +ION_DETAIL[@_SequenceIdentifier='1..2']/@GSEEstimateYearOfImprovement +Type + +23 + +Enumerated + +Allowable Values PDF Display +LessThanOneYearAgo less than one year ago +OneToFiveYearsAgo one to five years ago +SixToTenYearsAgo six to ten years ago +ElevenToFifteenYearsAgo eleven to fifteen years ago +Unknown timeframe unknown + +This field is required if field e-12 (GSE +Improvement Description Type) has a +value of 'updated' or 'remodeled'. + +CR + +CR + +CR + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Improvements Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +295 + +2 + +88 + +UNIT +DESCRIPTION + +Describe the condition of the +property (including needed +repairs, deterioration, +renovations, remodeling, etc.) + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P +ropertyCondition']/@_Comment + +4000 + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9.txt b/chunks/txt/e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..31b7fb707bfd32d7d18556b8c4b4dfc43406b11b --- /dev/null +++ b/chunks/txt/e8c104df009cbf15adef1f266b03b988ac6161d827e74f8f1bad0cbe9717d0c9.txt @@ -0,0 +1,114 @@ +Report +Field ID + +Report Label + +When to Include + +12.014 Heating (System) Required if the + +outbuilding contains +ADU(s) + +Allowable +Answers / Format + +Choose one or +more allowable +answers from +table (Heating +System Type) + +12.015 Heating (Detail) Required for each +identified Heating +System Type + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +12.015 Heating (Detail) Required if Heating +System Type is None + +Yes | No + +Definition / Additional Guidance + +Heating System Type: The type(s) of permanent heating system in the +outbuilding. +• +None +• +Baseboard +• +Fireplace +• +Forced Warm Air +• +Gravity Air +• Mini Split +• +• +• +• +• + +Passive Solar +Radiant +Radiators +Stove +Other (Describe) + +Heating System Fuel: The primary fuel used by the indicated Heating System. +• +Coal +• +Electric +• +Geothermal +• +Natural Gas +• +Oil +• +Propane +• +Solar +• Wood +• + +Other (Describe) + +Lack of Heating Typical for Market: Indicates whether the lack of heating in the +ADU is prevalent in the market. +• +• + +Yes (Typical for Market) +No (Not Typical for Market) + +Allowable Answer + +Definition / Additional Guidance + +Heating System Type (Choose one or more) + +None + +Baseboard + +Fireplace + +Note: Only select this answer if the structure does not have permanent heat. + +A system of perimeter heating located at the base of the wall where the baseboard would be. + +Note: Only select this answer if the fireplace is designed to be used as a source of heat. Other fireplaces are reported in the +Subject Property Amenities section (14.002). + +Forced Warm Air + +A system that propels air over a heat source that is distributed via ducts and vents throughout a home or a structure. diff --git a/chunks/txt/e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54.txt b/chunks/txt/e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54.txt new file mode 100644 index 0000000000000000000000000000000000000000..87ab986a25d427254ccbea9ce16dfced24dcf89f --- /dev/null +++ b/chunks/txt/e8c37885b98ce8cbf92a018f5b31968f67b04c3742877e15c0419f3f9ed68e54.txt @@ -0,0 +1,315 @@ +-20000 + +LivingUnitStandardFinishedAreaBelowGrade + +Comp2 ADU + +0 + +WaterFeaturesAmenity + +10000 + +VehicleStorage + +-5000 + +Outbuilding + +768380 + +East + +Most + +false + +215 + +2 + +6.56 + +3380 + +true + +true + +HERS + +65 + +Home Energy Score + +8 + +Solar + +Dwelling + +1984 + +Carpets, Tile, Hardwood + +Flooring + +ModeratelyUpdated + +Standard 8-9 Ft. Ceilings + +WallsAndCeiling + +ModeratelyUpdated + +281 + +3562 + +1000 + +false + +5 + +3 + +1 + +C4 + +Q4 + +Mid Grade Finish + +NotUpdated + +Comp2 Primary + +Mid Grade Quality + +Kitchen + +FullyUpdated + +0 + +500 + +true + +1 + +1 + +0 + +C4 + +Q4 + +Comp2 ADU + +Colonial + +Aluminum + +ExteriorWallsAndTrim + +Composition + +Roof + +C3 + +Q4 + +2 + +ForcedWarmAir + +false + +Outbuilding + +true + +PoolHouse + +Electricity + +0 + +192 + +PropertyPhoto + +\\Images\SF3_Comp2.png + +image/png + +76 + +779000 + +SettledSale + +58.712135 + +-87.784968 + +Deck + +Deck + +Patio + +Porch + +OutdoorLiving + +IngroundPool + +Other + +Diving Board + +WaterFeatures + +1 + +Detached + +1 + +true + +1 + +C4 + +Q4 + +false + +true + +FeeSimple + +false + +false + +false + +2018-07-01 + +2019-01-01 + +765000 + +Sale + +None + +Asphalt + +Local + +false + +14.37 + +Full + +Pastoral + +35422 Place Rd + +Out There + +56789 + +VA + +Driveway + +Gravel + +4 + +false + +Detached + +Garage + +2 + +0 + +ContractDate + +0 + +SaleDate + +25000 + +SiteSize + +0 + +PropertyStreetAccessAndSurface + +0 + +View + +0 + +YearBuilt + +0 + +DwellingStyle + +0 + +EnergyEfficientAndGreenFeatures + +0 + +LivingUnitBedroomCount + +Comp3 Primary + +30000 + +LivingUnitBathroomCount + +Comp3 Primary + +115840 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp3 Primary + +53760 + +LivingUnitStandardFinishedAreaBelowGrade + +Comp3 Primary + +12320 + +LivingUnitUnfinishedAreaBelowGrade + +Comp3 Primary + +0 + +AccessoryDwellingUnitLocation + +Comp3 ADU diff --git a/chunks/txt/e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527.txt b/chunks/txt/e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527.txt new file mode 100644 index 0000000000000000000000000000000000000000..390254ee517fe9ab9d5af3f6b3bce24c490dbc2e --- /dev/null +++ b/chunks/txt/e8c8dd4c5a295818b528cc169d214a82e59e3019f8fb7ee1da11228504667527.txt @@ -0,0 +1,30 @@ +Loan Conversion Documentation Options + +Single-Closing Transaction Overview + +Single-closing transactions may be used for both the construction loan and the permanent financing if the borrower wants to +close on both the construction loan and the permanent financing at the same time. When a single-closing transaction is used, the +lender will be responsible for managing the disbursement of the loan proceeds to the builder, contractor, or other authorized +suppliers. + +Because the loan documents specify the terms of the permanent financing, the construction loan will automatically convert to a +permanent long-term mortgage loan upon completion of the construction. + +Loans that combine construction and permanent financing into a single transaction cannot be purchased by Fannie Mae until the +construction is completed and the terms of the construction loan have converted to the permanent financing. + +Manufactured homes must meet all applicable requirements, including compliance with SB5-2-05, Manufactured Housing Legal +Considerations. + +Lenders must use SFC 151 when delivering single-closing construction-to-permanent loans to Fannie Mae (and any other SFCs +that may apply to the transaction). + +Terms of Construction Loan Period for Single-Closing Construction-to-Permanent Mortgages + +For all single-closing construction-to-permanent transactions, the construction loan must be structured as a temporary loan +exempt from the ability to repay requirements under Regulation Z. The construction loan period for single-closing construction- +to-permanent transactions may have no single period of more than 12 months and the total period may not exceed 18 months. +Lenders may, when needed to complete the construction, provide an extension to the original period to total no more than 18 +months but the documents may not indicate an initial construction period or subsequent extension of more than 12 months. +After conversion to permanent financing, the loan must have a loan term not exceeding 30 years (disregarding the construction +period). diff --git a/chunks/txt/e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe.txt b/chunks/txt/e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..15c557d9c2bb97712f33c45f07fae96bbf304f45 --- /dev/null +++ b/chunks/txt/e8da81c10265d3de1c398c3aeec3056f33819844923a660ea6d587f3019ae0fe.txt @@ -0,0 +1,88 @@ +2 + +Unit # 7 +Owner of Public Record 12 + +Individual Condominium Unit Appraisal Report +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 +Address 38 +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 + +R.E. Taxes $ 17 +Census Tract 21 +HOA $ 26 per year per month + +Phase # 19 +Special Assessments $ 25 + +Tax Year 16 +Map Reference 20 + +State 9 +County 13 + +Zip Code 10 + +City 8 + +File # 3 + +4 4a + +28 + +31 + +30 + +40 + +29 + +23 + +22 + +33 + +24 + +27 + +34 + +35 + +39 + +42 + +43 +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 +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 + +Is the property seller the owner of public record? Yes No Data Source(s) 49 + +Date of Contract 46 + +51 + +47 + +48 + +50 diff --git a/chunks/txt/e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361.txt b/chunks/txt/e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361.txt new file mode 100644 index 0000000000000000000000000000000000000000..64de987967c987ed8da9efb408fda432efa99feb --- /dev/null +++ b/chunks/txt/e8dc235bc279972d11116723bcc8de043209363d58a760fb1117d15b96a29361.txt @@ -0,0 +1,43 @@ +61. + +8.5 – 8.9 Reg §1026.38(g)(2), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(2) pp. 80117, 80343, + +79960-61. + +8.10 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343, 79961- + +62. + +8.11 – 8.15 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343, + +79961-62. + +8.16 Reg §1026.38(g)(4), pp. 80123, 80353, 80012; Cross reference §1026.37(g)(4) pp. 80117, 80343-4, 79962- + +65. + +8.17 Reg §1026.38(g), pp. 80123, 80353, 800011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959. + +8.18 | 8.19 Reg §1026.38(g)(5) and (6), pp. 80123, 80354, 80012; Cross reference to §1026.37(g)(5) pp. 80117, + +80344, 79965. + +Appendix E: UCD Implementation Guide + +Page 144 of 254 + +Version 1.4 + +Uniform Closing Dataset + +9.0 Total Closing Costs + +9.0 TOTAL CLOSING COSTS + +The last table on the Closing Cost Details page is TOTAL CLOSING COSTS (Borrower-Paid) shown in Figure 87. +The Total Closing Costs table provides the following totals and subtotals, as well as a line item for Lender +Credits. + +9.1 Total Closing Costs (Borrower-Paid) - adds together and subtotals all line item amounts designated as +Borrower-Paid At and Before Closing. The total Borrower-Paid amount is equal to the sum of the Total Loan +Costs (7.8.1) and Total Other Costs (Borrower-Paid) (8.18.1) subtotals At and Before Closing. diff --git a/chunks/txt/e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed.txt b/chunks/txt/e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..94866828f0761ff10eb441c93e4aafadf6533081 --- /dev/null +++ b/chunks/txt/e8df08253c223063ca5c54e5182cbd8aa0716873d964252d1410e03f2d71d3ed.txt @@ -0,0 +1,85 @@ +Page 3 of 29 + +Version 1.1 + +Acronyms and Abbreviations + +ACRONYMS AND ABBREVI ATI ONS + +Acronym or +Abbreviation +MISMO +MISMO LDD +MISMO v3.4 +REO +ULAD +UMDP +URLA + +Term + +Mortgage Industry Standards Maintenance Organization +MISMO Logical Data Dictionary +MISMO Version 3.4 Reference Model +Real Estate Owned +Uniform Loan Application Dataset +Uniform Mortgage Data Program +Uniform Residential Loan Application + +Data Relationships Using Xlink and MISMO Arcroles + +Page 4 of 29 + +Version 1.1 + +Glossary + +GLOSSARY + +Term +MISMO v3.4 +Reference Model +Structures + +Definition +The hierarchical organization of XML elements (containers and data points) providing an +entity-relationship model of the mortgage life cycle. + +MISMO v3.4 +Structures + +The hierarchical organization of XML elements (containers and data points) providing an +entity-relationship model of a specific portion of the mortgage life cycle. + +XLink + +XML Linking Language, or XLink, is an XML markup language and W3C specification +that provides methods for creating internal and external links within XML documents, and +associating metadata with those links. + +XLink Arcroles A defined relationship between two data facts or groups of facts (containers) described + +using the Xlink standard linking language and a descriptive arcrole defined in the MISMO +data standards. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 5 of 29 + +Version 1.1 + +___________ + +_ ___ + +Introduction + +I NTRODUCTI ON + +DOCUMENT ORGANIZAT ION + +This document provides the details of the data relationships in the MISMO Version 3.4 standard. There +is an introduction to data relationship concepts as well as detailed information for the creation and usage +of data relationships used as part of the Uniform Loan Application Dataset (ULAD) Data Mapping +document. The sections outlined in this document will provide the following information about data +relationships used by the ULAD as defined within the MISMO Data Standard: diff --git a/chunks/txt/e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244.txt b/chunks/txt/e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244.txt new file mode 100644 index 0000000000000000000000000000000000000000..cfa68b4160d0d38ef4c50730ca187ec2dacbb134 --- /dev/null +++ b/chunks/txt/e8efe2aaac2c3457427aced0970723350454d25ebef182ca122767b157cc2244.txt @@ -0,0 +1,46 @@ +[Launch App](https://servicing.fanniemae.com/smdu/) ** + +![image](/sites/g/files/koqyhd181/files/icons/2019-10/new-user.svg) + +[New User](/applications-technology/technology-manager) + +![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg) + +[Help & Training](/learning-center/servicing/servicing-management-default-underwriter) + +![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg) + +[SMDU UI Technology Registration Job Aid](/media/document/pdf/smdu-ui-technology-registration-job-aid) + +[View Application Status](/applications-technology/technology-application-availability) + +### + +- Loss Mitigation + - Loss Mitigation Valuations + - Borrower-Initiated MI Termination + - Release Notes + - Archived Release Notes + - Technology Terms & Conditions + #### Loss Mitigation Features + +Use SMDU to perform a variety of loss mitigation-related activities: + +- Evaluating a loan for retention workout and/or borrower eligibility for a Short Sale and Mortgage Release™. +- Determining if a loan is in imminent default. +- Reporting Trial Period Plan Payments. +- Closing and/or canceling an active retention case. +- Reporting a disaster payment deferral or payment deferral. +- Creating a case to send workouts to Fannie Mae for review and approval: Payment Deferral, Modification, Short Sale, Mortgage Release, Charge Off and/or Second Lien Consideration. +**Key Benefits** + +- One application for automated workout decisioning and case reporting to Fannie Mae creates operational efficiencies and reduces risks. +- Rapid delivery of new products and policy in response to changing market conditions. +- Eliminates manual and resource-intensive loss mitigation activities. +- Certainty that borrower evaluation is consistent with Fannie Mae servicing policy. +- Ability to provide homeowners with fast, accurate, and consistent decisions. +- Offers servicers rep and warrant relief when using SMDU decision, reducing uncertainty. +**User Guides** +[SMDU UI Loss Mitigation User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-user-guide) +[SMDU UI Payment Deferral Options User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-payment-deferral-options-user-guide) +[SMDU UI Bankruptcy Cramdown User Guide](/media/document/pdf/smdu-ui-user-guide-reporting-bankruptcy-cramdown-fannie-mae) diff --git a/chunks/txt/e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8.txt b/chunks/txt/e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2831a5c2a393b25812c443cb1b2f992f46287d7c --- /dev/null +++ b/chunks/txt/e90c60bffa8dd0f9388cb2b7771c57df4339e5a731a1f32d55708b05e21d24c8.txt @@ -0,0 +1,149 @@ +Uniform Residential Appraisal Report + +Page 11 of 23 + +Levels in Unit +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +Owner +No +0 +1 +0 + +Unit Interior - Standalone ADU - Cottage + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +ADU + +Legally Rentable +Data Source +Typical for Market +Ingress/Egress +Separate Postal Address + +Level and Room Detail + +464 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Assessor Record +MLS +Physical Measurement + +Yes +Assessor Record +Yes +Exterior Access Only +No + +Yes No +  + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +464 Sq. Ft. + +Room Summary +1 - Bath - Full +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C4 + +The tables below support the Interior Quality and Condition ratings and reflect the market value of the condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Time Frame + +Not Updated + +Quality Comment +Standard builder grade +cabinets, materials, and +appliances + +Standard builder grade +cabinets and materials + +Condition Status +Typical Wear and Tear + +Condition Comment +No damage or condition +issues noted + +Typical Wear and Tear + +No damage or condition +issues noted + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Detail +Ceramic Tile + +Laminate + +Walls and Ceiling + +8 Ft. | Flat + +Overall Update Status for +Flooring + +Not Updated + +Quality Comment +Standard Grade - meets +market expectations for this +type of unit. diff --git a/chunks/txt/e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e.txt b/chunks/txt/e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e.txt new file mode 100644 index 0000000000000000000000000000000000000000..65c6f8468a12ce6d2eb4d5b609405658345d5f23 --- /dev/null +++ b/chunks/txt/e91707fa3d78f8f5a37c77830d6f1369a22804785e9ddff33e58ae633e4df23e.txt @@ -0,0 +1,100 @@ +General Information + +Site Size and Parcels + +Site Size and Parcels + +Report +Field ID + +Report Label + +When to Include + +4.000 + +Total Site Size + +Required if Site Owned +in Common is No + +Allowable +Answers / Format + +Number of acres, +square feet, +hectares, or +square meters + +Definition / Additional Guidance + +The total area of the site, including all parcels. +• + +For area less than 1 acre, use square feet in whole numbers (e.g., 27,840 +sq. ft.). +For area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres). +If using the metric system, for area less than 1 hectare, use square meters +in whole numbers (e.g., 7,500 sq. m.). +If using the metric system, for area that is 1 hectare or more, use hectares +to 2 decimals (e.g., 1.25 hectares). + +If there is more than one parcel, the Total Site Size may not exactly match +the sum of all Parcel Sizes (4.007) due to rounding differences for +individual parcels. +If new construction and providing an estimate, provide an explanation +and describe in Site Commentary (4.116). + +• +• + +• + +• + +Note: +• + +4.001 + +Dimensions + +4.002 + +Number of +Parcels + +4.003 + +Contiguous + +May be provided for +FHA, USDA, and VA +appraisals if Site +Owned in Common is +No + +Required if Site Owned +in Common is No + +Free-form + +The dimensions of the site such as its width and depth. +Note: Must be consistent with other forms of measurement in the report. + +Reference the appropriate government agency appraisal guidelines for more +information. + +Number + +The total number of parcels that comprise the subject property. + +Required if Number of +Parcels is more than 1 + +Yes | No + +Parcels Contiguous +Indicates whether two or more parcels share at least one common boundary. +• +• diff --git a/chunks/txt/e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300.txt b/chunks/txt/e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300.txt new file mode 100644 index 0000000000000000000000000000000000000000..31c74666bb243d3a1c292613458927a0a32c1435 --- /dev/null +++ b/chunks/txt/e928ceb9942f128c4c87c088b50a8ea75390e3d0586c36b0d36bdd386d77b300.txt @@ -0,0 +1,37 @@ +Additional Intended Use + +Additional Intended Use cannot be contrary to the original Intended Use. + +Intended User + +The intended user of this report is the lender/client. + +FHA and the Mortgagee are the intended users of this report. + +The USDA and any other identified lender/client are intended users of this report. + +The VA is also an intended user of this report. + +Additional Intended Users + +Additional Intended Users cannot be contrary to the original Intended User. + +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. + +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. diff --git a/chunks/txt/e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084.txt b/chunks/txt/e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084.txt new file mode 100644 index 0000000000000000000000000000000000000000..7f649739a98647303681fbea5532df4e5d411700 --- /dev/null +++ b/chunks/txt/e92ca3403ab97129a6abca50c79942b998f78bf4bf48a1cd8de49f261d5b1084.txt @@ -0,0 +1,125 @@ +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 2 of 24 +Page 2 of 24 + +Assignment Information + +Assignment Reason +Borrower Name + +Seller Name +Current Owner of Public Record + +Purchase +Mary Jones +Michael Jones +XYZ Builders +XYZ Builders + +Contact Information + +Lender + +Company Name +Company Address + +ABC Lender +400 Apple Ln +Anytown, IL 54321 + +Client/Appraisal Management Company + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +DIY AMC +500 Park St +Othertown, IL 54322 + +Sam Appraiser +XYZ Appraisals +123 Main St +Anytown, IL 54321 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior + +No Inspection +No Inspection + +Assignment Information and Scope of Work Commentary + +Property Valuation Method + +Desktop Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee +AMC Fee + +$0 +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +12345 +IL +10/31/2020 + +Certified Residential +5555-2222 +IL +06/30/2020 + +The client has requested a desktop appraisal which requires no inspection of the subject property from the appraiser. All information +regarding the quality and condition of the property will be made through the use of MLS photos and a conversation with the real estate agent. +Dimensions of the home have been provided by the builder and a 3D scan was completed by the real estate agent. diff --git a/chunks/txt/e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5.txt b/chunks/txt/e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..df3a9afc6a7c4e690417000252c9c5a16e346e34 --- /dev/null +++ b/chunks/txt/e9440ee3c983fa037fa686893fef0ad15b8eed9a2c1270663cc39254071494d5.txt @@ -0,0 +1,108 @@ +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 10 of 22 +Page 10 of 22 + +Market (continued) + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +Housing Trends + +Demand/Supply + +Market Commentary + +7 +29 +$699,999 +$747,000 +$769,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph + +Price Trend Source + +31 +$719,000 +$764,000 +$809,000 +No +Median Days on Market +Price Trend +XYZ MLS + +Shortage + +Marketing Time + +Under 3 months + +Subject location is close to public transportation and employment centers, resulting in high demand for housing under $1 million. The +identified market segment covers the bedroom community outside southeast LA. + +Market Exhibits + +Median Days on Market + +This is where the Median Days on Market Graph would display. + +Price Trend + +This is where the Price Trends Graph would display. + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 11 of 22 +Page 11 of 22 + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +The MI5 + +Project Name +Project Information Data Source Condominium Questionnaire +Total Units +Units Sold +Units for Sale +Units Rented + +36 +34 +2 +~3 + +Project Completeness + +Are units, common areas, and amenities in project +complete? +Converted in Past 3 Years diff --git a/chunks/txt/e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104.txt b/chunks/txt/e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fb9e0d7c342a217663e04e929befa426ff72614 --- /dev/null +++ b/chunks/txt/e95d44b2604df5de4954dfc054b437add4997c3866fde723fc796e6faf9a1104.txt @@ -0,0 +1,112 @@ +43 +$325,000 +$340,000 +$370,000 +No +Price Trend +ABC MLS + +In Balance + +Marketing Time + +Under 3 Months + +The Price Trend graph indicates no measurable change in prices during the identified lookback period. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 9 of 19 +Page 9 of 19 + +Market (continued) + +Market Exhibits + +Price Trend + +This is where the Price Trend graph would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +MLS + +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 +10/30/2018 + +Amount +$250,000 + +Analysis of Prior Sale and Transfer History of Subject Property This was a builder sale. + +Comparable Transfer History + +Data Source +MLS + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +None + +Data Source +MLS + +Amount + +Date + +2 + +3 + +4 + +5 + +Typically Motivated + +07/17/2020 + +$300,000 + +None + +None + +Typically Motivated + +04/15/2019 + +$275,000 + +MLS + +MLS + +MLS + +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales The prior transfers of comps 2 and 5 represent resales at market value. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) diff --git a/chunks/txt/e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356.txt b/chunks/txt/e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356.txt new file mode 100644 index 0000000000000000000000000000000000000000..4695de4343dfc66943e820046acd6cc20bf42af0 --- /dev/null +++ b/chunks/txt/e95e819d72095832586e5ebe92fda6e1382ce825ec23d1bbcbbffb36fc775356.txt @@ -0,0 +1,114 @@ +9875554321 + + + + + + + +Sarah + Arnold + + + + + + + + + + + +AX789012 + + + + + + + +ClosingAgent + + + + + + + + + + + + + + +UCD v2.0 Implementation Guide + +- 139 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 114. XML Snippet of Required Parties to the Transaction. + + + +Epsilon Title Co. + + + + + +
+ +123 Commerce Pl. + Mailing + Somecity + 12345 + ST + +
+ + + + + + + + + +AX787811 + + + + + + + +ClosingAgent + + + + + + + + +UCD v2.0 Implementation Guide + +- 140 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Z. CONDITIONAL PARTIES DATA + +Four parties to the transaction are conditional—Property Seller for all purchases, and Mortgage Broker, Selling Real Estate +Agent, Listing Real Estate Agent as applicable. Depending on the transaction, they are delivered in addition to the parties +described in Chapter Y. diff --git a/chunks/txt/e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197.txt b/chunks/txt/e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197.txt new file mode 100644 index 0000000000000000000000000000000000000000..aff7742ef5165335f8513ff57d56ac6a533756d4 --- /dev/null +++ b/chunks/txt/e95f41344cafa9860c3c64ae063f758f77b8de9852db2d2c656bffa11bd07197.txt @@ -0,0 +1,42 @@ +iii. PREPAID_ITEM_PAID_TO and its two child containers, INDIVIDUAL and LEGAL ENTITY which provide + +the names for legal entity and individual payees. + +iv. PREPAID_ITEM_PAYMENT repeats as necessary to represent payments disclosed in the Borrower- +Paid (At Closing /Before Closing), Seller-Paid (At Closing / Before Closing), and Paid by Others +columns. + +8. 10 I NI TI AL ESCROW PAYME NT AT CLOSI NG + +The Regulation specifies the order and contents of each of the first three line items that must appear in section +G. Initial Escrow Payment at Closing as shown in the following figure. + +8.11 The number of months for which the borrower paid Homeowner’s Insurance Premiums and the + +monthly and total dollar amounts. + +8.12 The number of months for which the borrower paid Mortgage Insurance Premiums and the monthly + +and total dollar amounts. + +8.13 The number of months for which the borrower paid Property Taxes and the monthly and total dollar +amounts. When more than one tax is assessed on the real property that secures the loan and the +taxes are not paid at the same time, the additional Property Tax may be separately itemized. + +8.14 Additional items relevant to the transaction are listed starting on the next available line item. + +Figure 85 shows a transaction that has an escrow account requiring initial payments for homeowner’s insurance, +mortgage insurance, property taxes to both the state and the county, paid on different schedules, and +condominium dues. + +8.0 Other Costs + +8.1 E. Taxes and Other Government Fees + +8.4 F. Prepaids + +8.10 G. Initial Escrow Payment at Closing + +Borrower-Paid + +Seller-Paid diff --git a/chunks/txt/e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee.txt b/chunks/txt/e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d1c3a231e1cf40e2c5e68723dee0affe3587b5a --- /dev/null +++ b/chunks/txt/e96a5887bf6b479ac6c508a9a7d0fe68ab3b68cad2eeff4679139aba8efc30ee.txt @@ -0,0 +1,123 @@ +Thermal Double Hung + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Check #A + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Electric + +Core Heating System Below Grade + +Other Mechanical Systems + +Water Heater + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1) + +None + +Dwelling Exterior Commentary + +Each unit has its own centralized, thermostatically controlled HVAC. + +Unit Interior - Building 1 - Unit A + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +Level and Room Detail + +1,190 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Floor Number +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +1 +Tenant +Yes +2 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail + Above Grade + +Finish +Finished + +Area +1,190 Sq. Ft. + +Room Summary +2 - Bath - Full +2 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 6 of 26 + +Unit Interior - Building 1 - Unit A (continued) + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details diff --git a/chunks/txt/e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956.txt b/chunks/txt/e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0f0a314534f41589fc7428a0515ef36e4f07e29 --- /dev/null +++ b/chunks/txt/e971f8dee00cca8b8ed58c1ba9cce4ada752d4addfd9b5a7b6ddce0dd85d9956.txt @@ -0,0 +1,96 @@ +Standard Grade - meets +market expectations for this +type of unit. + +Standard drywall meets +market expectations for this +type of dwelling. + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment +No damage or condition +issues noted + +No damage or condition +issues noted + +No damage or condition +issues noted + +Apparent Defects, Damages, Deficiencies (Unit Interior - Standalone ADU - Cottage) + +None + +Unit Interior Commentary + +The ADU was built out within the past 5-10 years with standard builder grade materials that are typical for accessory units in this market. The +unit has been well maintained with no apparent defects, damages, or deficiencies. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 12 of 23 + +Unit Interior - Standalone ADU - Cottage (continued) + +Unit Interior Exhibits + +Level 1 - Bath - Full + +Level 1 - Kitchen + +This is where the ADU Bath photo would display. + +This is where the ADU Kitchen photo would display. + +Level 1 - Living Room + +This is where the ADU Living Room photo would display. + +Vehicle Storage + +Storage +Carport + +Driveway + +Garage + +Number of Parking Spaces +2 + +4 + +2 + +Detail +Detached +400 Sq. Ft. + +Asphalt + +Attached +528 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Exhibits + +Carport + +Driveway - Garage + +This is where the Carport photo would display. + +This is where the Garage photo would display. + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201 diff --git a/chunks/txt/e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50.txt b/chunks/txt/e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e9b0e3f39ddac34d5ed70b63944b96cf6961089 --- /dev/null +++ b/chunks/txt/e97517015c70bf8490256a35dcec1d01d56512a38e18eb2d2a3665b17a3e6f50.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/mortgage-translations/search" +date_accessed: "2026-01-27T17:54:20.474Z" +--- + +> *[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) diff --git a/chunks/txt/e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3.txt b/chunks/txt/e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3.txt new file mode 100644 index 0000000000000000000000000000000000000000..9715792fd96fb0c91c29e860aeb375a24d3bba2b --- /dev/null +++ b/chunks/txt/e98042253949b2ea5f641aa4e2a548e718940005e370127727b6f69052745cc3.txt @@ -0,0 +1,33 @@ +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 accept full responsibility for this certification of completion. + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024 + +5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. + +6. 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. + +Additional Supervisory Appraiser Certifications + +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. + +Signature + +[Role] + +[Contact Name] + +Date of Signature and Report + +Level +ID +State +Expires + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638.txt b/chunks/txt/e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638.txt new file mode 100644 index 0000000000000000000000000000000000000000..15a2a503264c0f552fed34e3e930bf81c28e7b0e --- /dev/null +++ b/chunks/txt/e983cfa920ffa2ef085e07d6c046f88660e672ae20a50a07b171985ab9c61638.txt @@ -0,0 +1,128 @@ +LOAN_ORGINATOR + +LoanOriginatorType + +ROLE + +ROLE_DETAIL + +PartyRoleType + + + +2. PartyRoleTypes Used in the Loan Delivery Data Set + +PARTY loan delivery requirements are based on the PartyRoleTypes presented below. +The PARTY container must be delivered for each instance of Party Role Type. The + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 51 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +GSEs support several of the same PARTY containers, but each also has GSE-specific +implementations. Refer to each GSE’s Implementation Guide for more information. + +Table IV-9. PartyRoleTypes Used in ULDDS Appendix A. + +PARTY Parent +container + +Party Role Type + +Required +By + +Comments + +LOAN + +Appraiser + +Both GSEs + +Appraiser Supervisor + +Both GSEs + +Borrower + +Both GSEs + +Closing Agent + +For Future +Use + +Document Custodian + +FNM + +Loan Origination +Company + +Both GSEs + +Data needed for Title V +reporting. Send if appraisal was +used to value the property. + +Data needed for Title V +reporting. Send if appraisal was +used to value the property. + +The party container must be +repeated for each Borrower + +See Fannie Mae Implementation +Guide + +Data needed for Title V reporting + +Loan Originator + +Both GSEs Data needed for Title V reporting + +Loan Seller + +Both GSEs + +Payee + +Servicer + +FNM + +FNM + +See Fannie Mae Implementation +Guide + +See Fannie Mae Implementation +Guide + +Title Company + +FNM + +For Future Use + +DEAL_SET + +Document Custodian + +FNM + +Loan Seller + +Servicer + +FNM + +FNM + +See Fannie Mae Implementation +Guide diff --git a/chunks/txt/e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2.txt b/chunks/txt/e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c464aceb4cf9924d450e03e42308d8bb5f5ab87 --- /dev/null +++ b/chunks/txt/e9860d91e5bd1c1b29bb93c85564f365c1da76be88ac3834abc6423dfc31a3b2.txt @@ -0,0 +1,10 @@ +If you have any questions or comments about the data or documents, please email [PUDBdata@fhfa.gov](mailto:pudbdata@fhfa.gov). + +**2024 Enterprise PUDB Data** Format **Single-Family National File A**: +Mortgage-Level File for Owner-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfa.zip) [[.txt]](/document/2024_enterprise_sf_nfa.zip) **Single-Family National File B**: +Unit-Level File for All Single-Family (1-4 Unit) Properties, including Renter-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfb.zip) [[.txt]](/document/2024_enterprise_sf_nfb.zip) **Single-Family National File C**: +Mortgage-Level File for Properties with High-Cost Single-Family Mortgages Purchased and Securitized by the Enterprises [[.csv]](/document/2024_pudb_sf_nfc.zip) [[.txt]](/document/2024_enterprise_sf_nfc.zip) **Single-Family Census Tract File**: +Mortgage-Level File for All Single-Family (1-4 Unit) Properties [[.csv]](/document/2024_pudb_sf_ctf.zip) [[.txt]](/document/2024_enterprise_sf_ctf.zip) **Multifamily National File P**: +Property-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_nfp.zip) [[.txt]](/document/2024_enterprise_mf_nfp.zip) **Multifamily National File U**: +Unit-Class-Level File for All Multifamily Property Unit Classes [[.csv]](/document/2024_pudb_mf_nfu.zip) [[.txt]](/document/2024_enterprise_mf_nfu.zip) **Multifamily Census Tract File**: +Property-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_ctf.zip) [[.txt]](/document/2024_enterprise_mf_ctf.zip) diff --git a/chunks/txt/e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee.txt b/chunks/txt/e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..26c34eae82ef53f6de6fa4d6628ab366b7e25237 --- /dev/null +++ b/chunks/txt/e98ea4ddeb454297bb3b385006d5c1809b188539400c509ea14089b3db3cc8ee.txt @@ -0,0 +1,39 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Page 46 + +• When PartyRoleType = “Appraiser” or “AppraiserSupervisor”, details such as the appraiser company name and designations are + +provided in the APPRAISER container. + +• The appraiser fee when provided must be included in the instance of the PARTY container where PartyRoleType = “Appraiser”. In + +the instance of this PARTY container, two ROLE containers must be included. One of the instances must identify +ROLE/ROLE_DETAIL/PartyRoleType = “Appraiser”, the other instance of ROLE container must include PROVIDED_SERVICE container +with FeeType = “AppraisalFee”. + +• The snippet below illustrates the use of ROLE/APPRAISER container to identify the appraiser’s company name and the use of + +ROLE/PROVIDED_SERVICE container to provide the appraiser fee. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 47 + +• The AMC fee when provided must be included in the instance of the PARTY container that represents the Appraisal Management + +Company. In this instance of the PARTY container, two ROLE containers must be included. One instance must identify PartyRoleType += “ManagementCompany”, another instance of the ROLE container includes PROVIDED_SERVICE container with FeeType = +“AppraisalManagementCompanyFee” as shown below. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 48 + +• When PartyRoleType = “PropertyDataCollector”, additional information about the person acting as the property data collector must + +be provided in the PROPERTY_DATA_COLLECTOR container as specified in the URAR Delivery Specification document. + +In each section of the appraisal report, images are included per the conditionality stated in the URAR Delivery Specifications document. For +details on how to package the images associated with a given appraisal in the submission file to UCDP, refer to the Appraisal File Structure +section. The images associated with an appraisal must not be embedded in the XML file, only the metadata about these images must be diff --git a/chunks/txt/e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329.txt b/chunks/txt/e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329.txt new file mode 100644 index 0000000000000000000000000000000000000000..c4f5991b02e9b21338d92c716cbfe61440edacb4 --- /dev/null +++ b/chunks/txt/e994691119883c943aedf3ce8dc6f63d0634216ce8b04987e430515a5b751329.txt @@ -0,0 +1,166 @@ +Deck + +— + +$2,000 + +Deck + +Deck | Portico + +$(2,500) + +Type | Spaces | Detail + +Driveway | 3 | Concrete + +Driveway | 3 | Concrete + +Driveway | 3 | Concrete + +$(5,000) + +Driveway | 3 | Concrete +Garage | 1 | Detached + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 11 of 19 +Page 11 of 19 + +Sales Comparison Approach (continued) + +Property Address + +213 Tree Stand Rd +Anytown, MD 09992 + +318 Pine Crest Rd +Anytown, MD 09992 + +231 Beech Tree St +Anytown, MD 09992 + +431 Holly Ave +Anytown, MD 09992 + +Subject Property + +Comparable # 1 + +Comparable #2 + +Comparable #3 + +Summary + +List Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +— + +$339,900 + +$335,000 + +$13,000 + +$279 + +$348,000 + +Less + +$350,000 + +$350,000 + +$0 + +$278 + +$350,000 + +Less + +$364,900 + +$364,900 + +$(11,400) + +$278 + +$353,500 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$350,000 + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 12 of 19 +Page 12 of 19 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +Comparable #5 + +213 Tree Stand Rd +Anytown, MD 09992 + +849 Jolly Ave +Anytown, MD 09992 + +342 Trail Dr +Anytown, MD 09992 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Site + +Site Size diff --git a/chunks/txt/e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c.txt b/chunks/txt/e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c.txt new file mode 100644 index 0000000000000000000000000000000000000000..1dcbb3c03330f07d87aa1d7fc2ff2b401476b153 --- /dev/null +++ b/chunks/txt/e994bc0b9c2be7bc9ef0077ee0563e1fb5176f56a6fbf6d4a44f4fba5fb5ca3c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/fhfa-policies/website-privacy-policy" +date_accessed: "2026-01-27T17:48:00.616Z" +--- + +> *[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) diff --git a/chunks/txt/e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47.txt b/chunks/txt/e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47.txt new file mode 100644 index 0000000000000000000000000000000000000000..3bd2179d929a32f2f3c8f1d58468d47478e0bbff --- /dev/null +++ b/chunks/txt/e9a51569b68b3687b0de6ee2fad6ec9decbce6be6675002c530f9ceb2ba4dd47.txt @@ -0,0 +1,20 @@ +[FY2026 Projected New Competitive Procurement Opportunities [PDF]](/document/fy26-forecast.pdf) + +## How is FHFA Acquisition Different? + +FHFA's funding is non-appropriated, which means our budget resources are not provided by Congress. Instead, our funding comes from the entities we regulate. Consequently, FHFA is not subject to the Federal Acquisition Regulation (known as FAR). + +While subject to many of the same procurement laws as other government agencies, FHFA also works under separate and unique laws and has established its own contracting policies and procedures for procuring its goods and services. FHFA's contracting policies and procedures are a unique blend of the best of FAR and best practices from the private sector, which allows us to be more flexible in meeting the agency 's mission. + +## What to Do if You Want to Do Business with FHFA + +***Registering your business is the first and most critical step.*** + +To be included for consideration on solicitation distribution mailing lists for contracts in your business area, you should register in the following places: + +- **System for Award Management (SAM)**- This is the primary registrant database for the federal government. Generally, FHFA only awards contracts to businesses registered in SAM. The SAM website gives detailed instructions and helps answer your questions. +- [www.sam.gov/content/home](https://sam.gov/content/home) +- **Contract Opportunities on SAM.gov**- Almost all federal government solicitations that must be publicly advertised are advertised on this site. +- [https://sam.gov/content/opportunities](https://sam.gov/content/opportunities) +- **FHFA Doing Business With Us Form**- Complete and submit FHFA’s [Doing Business with Us Form](/contact/business)*,*including all the required fields. FHFA Contracting Officers consult these entries when developing source list. +## ​​FHFA's Acquisition Process and Methods diff --git a/chunks/txt/e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec.txt b/chunks/txt/e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..a26e481807e49644484ff2474dc42bff8921c65a --- /dev/null +++ b/chunks/txt/e9ad877fd98e4c98fcecf411beb9a46c87529f932d69467e26689be5a6c583ec.txt @@ -0,0 +1,60 @@ +This data field designates the census +tract location of the property securing +the Enterprise mortgage loan. FHFA has +renamed the data field from ‘‘Census +Tract/BNA—1990 Census’’ to ‘‘Census +Tract—2000 Census,’’ as the Enterprises +have reported 2000 Census geography +since 2003, and Block Numbering Areas +(BNAs) were phased out after the 1990 +Census.6 + +e. Single-Family and Multifamily Data +Field 11: 2000 Census Tract—Percent +Minority + +This data field designates the +percentage of the population that +belongs to all minority groups in the +census tract location of the property +securing the Enterprise mortgage. FHFA +has renamed this data field from ‘‘1990 +Census Tract—Percent Minority’’ to +‘‘2000 Census Tract—Percent Minority,’’ +as the Enterprises have used 2000 +census tract demographic data since +2005. + +f. Single-Family and Multifamily Data +Field 12: 2000 Census Tract—Median +Income + +This data field designates the family +area median income (AMI) of the census +tract location of the property securing +the Enterprise mortgage. FHFA has +renamed this data field from ‘‘1990 +Census Tract—Median Income’’ to ‘‘2000 +Census Tract—Median Income,’’ as the +Enterprises have used 2000 census tract +data since 2005. + +g. Single-Family and Multifamily Data +Field 13: 2000 Local Area Median +Income + +This data field designates the AMI for +the location of the property securing the + +6 http://www.census.gov/geo/www/cen_tract.html. + +Enterprise mortgage, which is: The MSA +for properties located in an MSA; or the +county or State non-metropolitan area +for properties located outside an MSA, +whichever is greater. FHFA has +renamed this data element from ‘‘1990 +Local Area Median Income’’ to ‘‘2000 +Local Area Median Income,’’ as the +Enterprises have used 2000 census tract +data since 2005. diff --git a/chunks/txt/e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db.txt b/chunks/txt/e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db.txt new file mode 100644 index 0000000000000000000000000000000000000000..b622bd6b324638ac6139dea6ad8d4a14f99b910e --- /dev/null +++ b/chunks/txt/e9b627129a2ae70a7e2b882f8c660e23c8ed4c7b94cefb60f71eccac419827db.txt @@ -0,0 +1,127 @@ +Date of Contract 45 + +50 + +49 + +46 + +47 + +Note: Race and the racial composition of the neighborhood are not appraisal factors. + +Neighborhood Characteristics + +One-Unit Housing Trends + +Location Urban +52 + Over 75% +Built-Up +55 + Rapid +Growth +58 +Neighborhood Boundaries 82 + +Suburban +53 + 25–75% +56 + Stable +59 + +Neighborhood Description 83 + +Rural +Property Values +55 + Under 25% Demand/Supply +57 + Slow +60 + +Declining + Stable +63 + In Balance Over Supply +66 +Marketing Time Under 3 mths 3–6 mths Over 6 mths +69 + +Increasing +61 + Shortage +64 +67 + +62 +65 +68 + +Market Conditions (including support for the above conclusions) 84 + +Present Land Use % + +One-Unit Housing +AGE +PRICE +$ (000) +(yrs) + 70 Low 73 Multi-Family + 71 High 74 Commercial + 72 Pred. 75 Other + +One-Unit +2-4 Unit + +76 % +77 % +78 % +79 % + 81 % + +Dimensions 85 +Specific Zoning Classification 89 +Zoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe) 95 +91 +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 98 + +Area 86 +Zoning Description 90 + +View e-5; e-6; e-7 + +Shape 87 + +97 + +96 + +93 + +92 + +94 + +99 +102 + +Public Other (describe) + +101 +100 + 104 +103 + +Utilities +Electricity +Gas +FEMA Special Flood Hazard Area Yes No FEMA Flood Zone 119 +Are the utilities and off-site improvements typical for the market area? Yes No If No, describe 124 +Are there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe +127 + +Off-site Improvements—Type Public Private +Street 111 +Alley 114 diff --git a/chunks/txt/e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1.txt b/chunks/txt/e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1.txt new file mode 100644 index 0000000000000000000000000000000000000000..9dc234ce15e6b275f98ff1aaa60fdbc0583bb428 --- /dev/null +++ b/chunks/txt/e9ce0c721b168a660cae5b64bcf9902070c40f4037c456a241cb8b1d03edded1.txt @@ -0,0 +1,31 @@ +This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + +##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + +Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + +[Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + +##### Frequently Asked Questions + +Provides answers to common questions about the UAD 3.6 and Forms Redesign. + +[Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + +##### Limited Production Period Overview + +Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + +##### Limited Production Period Lender Readiness Questionnaire + +Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + +##### Combined Sample Scenarios + +Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. diff --git a/chunks/txt/e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64.txt b/chunks/txt/e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64.txt new file mode 100644 index 0000000000000000000000000000000000000000..5798b16dbf37b2fa5d7b875693cd1457bac4d615 --- /dev/null +++ b/chunks/txt/e9fa6bcdbd2c1bf91ff0284486e3eda86e6aad371ed2e8091a199c79d3e22c64.txt @@ -0,0 +1,32 @@ +Research on state laws affecting manufactured housing liens indicates, more specifically, that in order to document a lien on +a manufactured home that is real property, state laws take several approaches: + +• + +surrendering the certificate of title when the manufactured home is permanently affixed to the land; + +• + +• + +statutory, regulatory, or judicial authority for recognizing a manufactured home as part of the real property, without +surrender of the certificate of title. A few states also require UCC filings; or + +recognizing the manufactured home as real property without issuing a certificate of title when the unit is affixed to +the land. + +Most states permitting manufactured homes to be treated as real property without first being titled as personal property also +have procedures for issuing a certificate of title and then surrendering it. + +Background Information on States where Surrender of a Certificate of Title is not Permitted + +State law that does not provide for surrender of the certificate of title may pose some additional risk to the lender and Fannie +Mae. + +Under the UCC, as adopted in almost every state, a lien evidenced on any outstanding certificate of title will have priority over +a lien on real property to which the manufactured home is affixed, which is evidenced by a mortgage, deed of trust, or security +deed. + +However, Fannie Mae believes that if a lender follows procedures tailored to take advantage of all protection offered under +existing state law—including taking steps to assure that no certificate of title still exists that bears evidence of any lien +securing any other loan—sufficient legal protection is afforded. diff --git a/chunks/txt/ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b.txt b/chunks/txt/ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b.txt new file mode 100644 index 0000000000000000000000000000000000000000..400748989f74b897ae822c49e8940fc0c088d1b4 --- /dev/null +++ b/chunks/txt/ea003ec014468720a25614dfa0c15883356ada402ef13b34f91d7cbf456fbd9b.txt @@ -0,0 +1,24 @@ +Technology Manager Release Notes + +November 20, 2020 + +Technology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access +to Fannie Mae applications. Registered users can view and modify their user profile and security +information, and company designated administrators can assign various applications to their users and +manage their System IDs. + +What's new in this release? + +Customers can now view their Administrator details though a new feature in Technology Manager called +“Who Are My Administrators?” Additionally, Administrators can now process an Administrator Registration +Request within 30 minutes of submission, through a new automated enhancement within Technology +Manager. + +UCDP Admin Registration Form goes digital! We’ve transformed the Uniform Collateral Data Portal (UCDP) +Admin Registration Form from paper to an online self-serve workflow in Technology Manager. To help +eliminate processing wait times, UCDP Lender Admins can now log in to Technology Manager to manage +Lender Admin users, with requests completed in near real-time. UCDP Lender Admins can manage other +Lender Admins or create new ones in Technology Manager. The process is secure, fast, and more efficient +than submitting paper forms. + +© 2020 Fannie Mae 12.1.20 Page 1 of 1 diff --git a/chunks/txt/ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8.txt b/chunks/txt/ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..d81c638743f6da80ce29c6d9e66e4bb9e9fa9387 --- /dev/null +++ b/chunks/txt/ea01e2ee0df38f43021f5a40457fcc226ffdae57de4a20019393872baabab3d8.txt @@ -0,0 +1,191 @@ +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 1 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 1 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 1 1.0 2 0 +1 10000001 2 1.0 2 0 +1 10000001 2 1.0 2 0 +1 10000001 2 1.0 2 0 +1 10000001 2 1.0 2 0 +1 10000001 2 1.0 2 0 +1 10000001 2 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--- /dev/null +++ b/chunks/txt/ea06d3a3a80e54ab0169a6c7ca4b8e27e0ccac19a005c9e6d13cecca925dff23.txt @@ -0,0 +1,18 @@ +The FHFA Office of the Ombudsman was established pursuant to the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) and FHFA implementing [regulations](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-A/part-1213). The Office is responsible for independent, neutral consideration of complaints and appeals on matters relating to FHFA's regulation and supervision of the housing GSEs. + +The Office of the Ombudsman does not consider consumer complaints. If you are a homeowner or homebuyer with a complaint, please see our [Homeowners & Homebuyers](/homeowners-and-homebuyers/mortgage-assistance/complaints-concerns-questions) page. + +Neither FHFA nor any FHFA employee may retaliate against a GSE or a person for submitting a complaint or appeal to the Ombudsman. + +## What the FHFA Ombudsman Does + +- Considers complaints and appeals relating to the regulation and supervision of the housing GSEs:- Complaints may be submitted by any housing GSE or by any person with a business relationship with a housing GSE; and +- Appeals may be submitted by any housing GSE; +- Conducts independent inquiries and acts as a neutral facilitator or mediator to help resolve complaints and appeals in a fair and timely manner; and +- Submits findings of fact and recommendations to the FHFA Director concerning complaints and appeals that are not resolved administratively or by consent. +## What the FHFA Ombudsman Does Not Do + +- Handle consumer complaints (if you are a homeowner or homebuyer with a complaint, please see our [Homeowner & Homebuyers page](/homeowners-and-homebuyers/mortgage-assistance/complaints-concerns-questions)); +- Facilitate or mediate disputes for which there is an existing avenue of appeal or other forum, such as matters in litigation, arbitration, or mediation; or a matter within the jurisdiction of the FHFA Office of Inspector General; +- Handle employment disputes involving the housing GSEs (any housing GSE employee should address concerns to the appropriate office within their institution). +## Are Complaints and Appeals Confidential? diff --git a/chunks/txt/ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee.txt b/chunks/txt/ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee.txt new file mode 100644 index 0000000000000000000000000000000000000000..59230092e6730e47865c88ebad412f85b71b4b84 --- /dev/null +++ b/chunks/txt/ea236ad275bfc2cc14a4c3c6ccfed4b72f5a5d3aea41a5b6feec391284051bee.txt @@ -0,0 +1,41 @@ +FHFA regulates and supervises Fannie Mae, Freddie Mac, the FHLBanks, the Office of Finance of the FHLBank System, and CSS. Other federal agencies regulate and supervise other financial institutions. For complaints relating to institutions regulated by agencies other than FHFA, please see the ombudsman office contact information below. + +**Consumer Finance Protection Bureau** +Enforces federal consumer financial laws at banks, credit unions, and other financial companies +855-830-7880 or [CFPBOmbudsman@cfpb.gov](mailto:CFPBOmbudsman@cfpb.gov) + +**Office of the Comptroller of the Currency** +Charters and regulates national banks, thrifts, and savings banks +202-649-5530 + +**Federal Reserve System** +Supervises and regulates banking institutions that are members of the Federal Reserve System +800-337-0429 or [Ombudsman@frb.gov](mailto:Ombudsman@frb.gov) + +**Federal Deposit Insurance Corporation** +Regulates state chartered banks that are not members of the Federal Reserve System +877-275-3342 or [Ombudsman@fdic.gov](mailto:Ombudsman@fdic.gov) + +**National Credit Union Administration** +Regulates credit unions +703-518-1175 or [Ombudsman@ncua.gov](mailto:ombudsman@ncua.gov) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62.txt b/chunks/txt/ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62.txt new file mode 100644 index 0000000000000000000000000000000000000000..50c576750bc9a8ea12f97feea826266512ccc94c --- /dev/null +++ b/chunks/txt/ea29b93a99aca792bb15ab6d5cb6208c87767886407ec7a17cb3c56364339d62.txt @@ -0,0 +1,158 @@ +Used to identify sources of data used in +the description and analysis of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='MultipleListingService'] + +25 + +Enumerated + +136 + +1 + +130 + +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Assessment and Tax Records + +Data Source Type + +Used to identify sources of data used in +the description and analysis of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='AssessmentAndTaxRecords'] + +25 + +Enumerated + +137 + +1 + +131 + +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Prior Inspection + +Data Source Type + +Used to identify sources of data used in +the description and analysis of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='PriorInspection'] + +25 + +Enumerated + +138 + +1 + +132 + +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Property Owner + +Data Source Type + +Used to identify sources of data used in +the description and analysis of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='PropertyOwner'] + +25 + +Enumerated + +139 + +140 + +141 + +142 + +143 + +144 + +145 + +146 + +147 + +148 + +149 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +133 + +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Other + +Data Source Type + +Used to identify sources of data used in +the description and analysis of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='Other'] + +25 + +Enumerated + +134 + +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Other (describe) diff --git a/chunks/txt/ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d.txt b/chunks/txt/ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d.txt new file mode 100644 index 0000000000000000000000000000000000000000..221af10bef1b32224d23dd8f1ef709d6396ddf49 --- /dev/null +++ b/chunks/txt/ea55ee80c15e23dce9c6b810271f1bdc6a6d590d3b6e2c748b03ed4bd7cde30d.txt @@ -0,0 +1,139 @@ +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +10.000 + +10.001 + +10.002 + +10.003 + +10.004 + +10.005 + +10.006 + +10.007 + +10.008 + +10.009 + +10.010 + +10.011 + +10.012 + +10.013 + +10.014 + +10.015 +10.016 + +10.017 + +10.018 + +10.019 + +10.020 +10.021 + +10.022 + +10.023 + +10.024 + +10.025 + +10.026 + +10.027 + +10.028 + +10.029 + +10.030 + +10.031 + +10.032 + +10.033 + +10.034 + +10.035 + +10.036 + +10.037 + +10.038 + +10.039 + +10.040 + +10.041 + +10.042 + +10.043 + +10.044 + +10.045 + +10.046 + +10.047 + +10.048 + +10.049 + +10.050 + +10.051 + +10.052 + +10.053 + +10.054 + +10.055 + +10.056 + +10.057 + +10.058 + +10.059 + +10.060 + +10.061 + +10.062.1 | 10.062.2 + +10.033.1 | 10.033.2 +10.044.1 | 10.044.2 diff --git a/chunks/txt/ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312.txt b/chunks/txt/ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312.txt new file mode 100644 index 0000000000000000000000000000000000000000..c1b86e062b13577fcca0032788529f051409ccec --- /dev/null +++ b/chunks/txt/ea56c97ac1cc29fca439a17ddb9d0a552fbfcec67bca3b6afe831a5445e68312.txt @@ -0,0 +1,110 @@ +Interior and Exterior +Exterior +No Inspection + +05.021 + +I personally +performed an +onsite … + +05.021 + +I personally +performed an +inspection of the +exterior areas … + +05.021 + +I did not +personally +perform an +onsite … + +Predefined text that +displays when +Appraiser Subject +Property Inspection is +Interior and Exterior + +Predefined text that +displays when +Appraiser Subject +Property Inspection is +Exterior + +Predefined text that +displays when +Appraiser Subject +Property Inspection is +No Inspection + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 24 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +05 Certifications and Scope of Work + +Cert 13 (Significant Real Property Appraisal Assistance) + +The predefined text for Cert 13 varies depending on whether there is significant real property appraisal +assistance, as displayed in the Significant Real Property Appraisal Assistance subsection of Assignment +Information (04.041-04.046). + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Appraiser Certifications: Cert 13 (Significant Real Property Appraisal Assistance) + +05.024 … No one +provided +significant real +property … + +05.024 … [Contact + +Name(s)] +provided +significant real +property … + +05.025 … [Contact + +Name(s)] +provided +significant real +property … + +Predefined text that +displays when there is +no significant real +property appraisal +assistance + +Predefined text that +displays when there is +significant real +property appraisal +assistance + +Predefined text that +displays when there is +no significant real +property appraisal +assistance + +Free-form diff --git a/chunks/txt/ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57.txt b/chunks/txt/ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57.txt new file mode 100644 index 0000000000000000000000000000000000000000..528aef2beb02005cf630332988979421dc6a1f93 --- /dev/null +++ b/chunks/txt/ea59afce5d2c0c179a86ec9f0b95da4ed207007983916d9984816d37e6c6dd57.txt @@ -0,0 +1,46 @@ +The aforementioned files are available for download and the following instructions illustrate the steps to +gather these files, the DU Schema Extension and DU wrapper contain updates related to the DU v1.8.2 +Spec: + +a) Download the MISMO v.3.4 Reference Model (Build 324) which includes the schema and + +supporting files from the Residential Specifications page in the MISMO site: + +https://www.mismo.org/standards-resources/mismo-product/mismo-version-3-4 + +Download the Joint ULAD Schema Extension, the DU Schema Extension, and the DU Wrapper +from the same zip file on the Fannie Mae Technology Integration site: + +https://singlefamily.fanniemae.com/media/document/zip/fannie-mae-du-schemas + +b) Ensure that all these files are located in the same directory and accessible when you validate your + +Loan Application Submission file + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +18 + +Chapter 4: Understanding the DU Spec from a Business +Perspective +This chapter includes the following topics: + +▪ What information is in the redesigned Form 1003 vs. the DU spec? +▪ Describing the information contained in the DU Specification +▪ + +Implementing ArcRoles in the XML file + +This section will provide business teams with a better understanding of the data needed for DU. For further +information on how to complete the redesigned Form 1003, review the redesigned Form 1003 Instructions +on the URLA Web Page. + +What Information is in the redesigned Form 1003 vs. the DU Specification? +The redesigned Form 1003 has sections populated by the borrower and other sections populated by the +lender. The DU Spec is sorted in the order of the sections of the redesigned Form 1003 and includes data +that is not captured in the form. This additional data is used to support the underwriting of loans submitted +to DU and DU for Government Loans (DUG). The data that is not on the form is identified in the DU Map +tab with “Not on Form” in the form field name column. Keep in mind, not every data point on the +redesigned Form 1003 is included in the DU Spec. diff --git a/chunks/txt/ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e.txt b/chunks/txt/ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d23221775d00e5dff83d1c0b2933242f70bf847 --- /dev/null +++ b/chunks/txt/ea59d6b8dceda7d50a669a5d5a9767e1a5ee52734dffa17fc452976034b1139e.txt @@ -0,0 +1,15 @@ +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. + +© 2025 Fannie Mae. + +3.19.25 + +4 of 4 diff --git a/chunks/txt/ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04.txt b/chunks/txt/ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04.txt new file mode 100644 index 0000000000000000000000000000000000000000..237e7eac3a519ee72dfad0b107108dae0cd587ca --- /dev/null +++ b/chunks/txt/ea5e070762a4c0e35038c68cbc7ba43117e35dd0bf171301478ab0695de90b04.txt @@ -0,0 +1,12 @@ +--- +source_url: "https://twitter.com/FHFA" +date_accessed: "2026-01-27T17:47:50.530Z" +--- + +body { -ms-overflow-style: scrollbar; overflow-y: scroll; overscroll-behavior-y: none; } .errorContainer { background-color: #FFF; color: #0F1419; max-width: 600px; margin: 0 auto; padding: 10%; font-family: Helvetica, sans-serif; font-size: 16px; } .errorButton { margin: 3em 0; } .errorButton a { background: #1DA1F2; border-radius: 2.5em; color: white; padding: 1em 2em; text-decoration: none; } .errorButton a:hover, .errorButton a:focus { background: rgb(26, 145, 218); } .errorFooter { color: #657786; font-size: 80%; line-height: 1.5; padding: 1em 0; } .errorFooter a, .errorFooter a:visited { color: #657786; text-decoration: none; padding-right: 1em; } .errorFooter a:hover, .errorFooter a:active { text-decoration: underline; } #placeholder, #react-root { display: none !important; } body { background-color: #FFF !important; } # JavaScript is not available. + +We’ve detected that JavaScript is disabled in this browser. Please enable JavaScript or switch to a supported browser to continue using x.com. You can see a list of supported browsers in our Help Center. + +[Help Center](https://help.x.com/using-x/x-supported-browsers) + +[Terms of Service](https://x.com/tos) [Privacy Policy](https://x.com/privacy) [Cookie Policy](https://support.x.com/articles/20170514) [Imprint](https://legal.twitter.com/imprint.html) [Ads info](https://business.twitter.com/en/help/troubleshooting/how-twitter-ads-work.html?ref=web-twc-ao-gbl-adsinfo&utm_source=twc&utm_medium=web&utm_campaign=ao&utm_content=adsinfo) © 2026 X Corp. Something went wrong, but don’t fret — let’s give it another shot. diff --git a/chunks/txt/ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf.txt b/chunks/txt/ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..21a3e6fabbbdeca1f32188200082c380f39e5519 --- /dev/null +++ b/chunks/txt/ea6476784e1028302118cf960b4449c1148aa0795d50afd424035d0057ed78bf.txt @@ -0,0 +1,114 @@ +A +P +P +R +O +A +C +H + +I +N +C +O +M +E + +R +E +C +O +N +C +I +L +I +A +T +I +O +N + +Total Bdrms. Baths Total Bdrms. Baths + +Total Bdrms. Baths + +Total Bdrms. Baths + +sq. ft. + +sq. ft. + +sq. ft. + +sq. ft. + +Net Adjustment (Total) +Adjusted Sale Price +of Comparables +Summary of Sales Comparison Approach + +- + ++ +Net Adj. % +Gross Adj. % + +$ + +$ + +- + ++ +Net Adj. % +Gross Adj. % + +$ + +$ + +- + ++ +Net Adj. % +Gross Adj. % + +$ + +$ + +Indicated Value by Sales Comparison Approach $ + +Estimated Monthly Market Rent $ +Summary of Income Approach (including support for market rent and GRM) + +X Gross Rent Multiplier = $ + +Indicated Value by Income Approach + +INCOME APPROACH TO VALUE (not required by Fannie Mae) + +Indicated Value by: Sales Comparison Approach $ + +Income Approach (if developed) $ + +Appraisal Assignment type: l Subject Property Data Collection Date: +Subject Property Data Collection Method: I Subject Property Data Collection Workforce: +This appraisal is made +completed, +the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: + +subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or + +subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been + +“as is”, + +subject to + +Based on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as +defined, of the real property that is the subject of this report is +$ + +, the effective date of this appraisal. diff --git a/chunks/txt/ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27.txt b/chunks/txt/ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27.txt new file mode 100644 index 0000000000000000000000000000000000000000..b0d216249c820f6c26a47595d42b37a20a99ec1b --- /dev/null +++ b/chunks/txt/ea6839632e35b2cc7b1aa36a15ee0027b2deaeefdce304f19b301040def0fe27.txt @@ -0,0 +1,41 @@ +TXC-NP + +H2 + +Additional Supervisory Appraiser Certifications + +TXC-I +TXC-NP + +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. + +H1 + +Signature + +TX-B + +[Role] + +SIG +SIG-B + +[Contact Name] + +Date of Signature and Report + +TXR-B + +TXR-B + +Level +ID +State +Expires + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5.txt b/chunks/txt/ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..e16424869573b8103e47bbe5b9e1622efb5a0a15 --- /dev/null +++ b/chunks/txt/ea83463d2ebbbf05e9c0894e8e6617f8fc83328723d2d9d4a18abcea8ce3b0f5.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/executive-compensation" +date_accessed: "2026-01-27T17:54:20.434Z" +--- + +> *[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) diff --git a/chunks/txt/ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c.txt b/chunks/txt/ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c.txt new file mode 100644 index 0000000000000000000000000000000000000000..90d664e87c761950b93a2c46112f4adc5f3352b9 --- /dev/null +++ b/chunks/txt/ea8c4dd3888caf7c467850d507953c02bfcc59157a3a769922aa75acf6763c5c.txt @@ -0,0 +1,15 @@ +[Housing Goals Proposed Rule Model Paper: The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals](/sites/default/files/documents/Market-Estimates_2022-2024.pdf) + +**Archive Rule Documents** + +Rule Year Proposed Rule Final Rule 2021 [Federal Register](https://www.federalregister.gov/documents/2020/08/13/2020-15959/2021-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2020/12/21/2020-28083/2021-enterprise-housing-goals) 2018-2020 [Federal Register](https://www.federalregister.gov/documents/2017/07/07/2017-14286/2018-2020-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2018/02/12/2018-02649/2018-2020-enterprise-housing-goals) 2015-2017 [Federal Register](https://www.federalregister.gov/documents/2014/09/11/2014-21118/2015-2017-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2015/09/03/2015-20880/2015-2017-enterprise-housing-goals) + +**​Enterprise Reports** + +[Fannie Mae Housing Goal Annual Housing Activity Reports and Determinations](/programs/affordable-housing/enterprise-housing-goals/fannie-mae) +[Freddie Mac Housing Goal Annual Housing Activity Reports and Determinations](/programs/affordable-housing/enterprise-housing-goals/freddie-mac) + +**Group Homes Letters** + +[Fannie Mae](/sites/default/files/2024-02/Group-Homes-Fannie-Mae-2252016.pdf) +[Freddie Mac](/sites/default/files/2024-02/Group-Homes-Freddie-Mac-2252016.pdf) diff --git a/chunks/txt/ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1.txt b/chunks/txt/ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1.txt new file mode 100644 index 0000000000000000000000000000000000000000..637119b7b38a8a3a4c295ac163e074e3bff3104b --- /dev/null +++ b/chunks/txt/ea8ffe394ca32ed6e0633ccd39cae36bf620e3793020f88440252405cbdd8fe1.txt @@ -0,0 +1,18 @@ +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/20001","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f.txt b/chunks/txt/eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f403278a2d9d8a10f6d515624a3360522ae01a5c --- /dev/null +++ b/chunks/txt/eaab9cae3c91252e3751184414f35f172e358c182ebe72a05db05aab2b775c9f.txt @@ -0,0 +1,41 @@ +Loan Servicing Data Utility (LSDU) 2.0 Release Notes + +October 12, 2018 + +Effective October 12, 2018, the LSDU 2.0 release will be implemented to support new +functions. This release contains functional and technical system enhancements, and will +remediate defects associated with previous releases. The changes include: + + Enhancement to provide ability to submit a payment (LAR96) transaction + Enhancements supporting the Help feature + Enhancements for additional data and naming conventions + Defect Remediation + +Enhancement to provide ability to submit a payment (LAR96) transaction + +LSDU functionality is being updated to enable Servicers the ability to submit payment (LAR96) +transactions. Users with the External Update role will have this ability. The payment +transactions will be available in Current LAR Information tab of the Loan Details screen. Please +refer to the User Guide for more information on how to submit the payment transaction. + +Enhancements supporting the Help feature + +LSDU functionality is being updated to enable the Help feature in the header of the screen. The +following features have been added to Help: + + User Guide: The latest User Guide will be available when the user clicks the Help + +feature. + + eLearning: The online eLearning training will be available when the user clicks the Help + +feature. + + Data Dictionary: The latest Data Dictionary will be available when the user clicks the + +Help feature. + +Enahncements for additional data and naming conventions + +LSDU functionality is being updated to add new attributes to the applications. The following +attributes have been added: diff --git a/chunks/txt/eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d.txt b/chunks/txt/eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ccb2302b2b591a1c67acf4dd2e323ec150da9556 --- /dev/null +++ b/chunks/txt/eab1c32fee769a72b0dea266d98d01cd41913a7fc2d4dc74042ae18c5056263d.txt @@ -0,0 +1,49 @@ +Always displays + +When ValuationScopeOfWorkDescription (UID: 2200.0065, FID: 05.003) is provided AND ValuationAdditionalScopeOfWorkIndicator = "true" + +• Display sub-header: Additional Scope of Work (FID: 05.002) +• Display in italics below sub-header: Additional Scope of Work cannot be contrary to the original Scope of Work. +• Display the text from ValuationIntendedUseDescription (UID: 2200.0065, FID: 05.003) and deliver in XML. + +Intended Use + +The Intended Use subsection always displays. + +Page 39 + +Report +Field ID + +05.004 + +Intended Use Text + +Text Conditionality + +The intended use of the opinions and conclusions contained in this appraisal report is for +the intended user to evaluate the property that is the subject of this appraisal for a +mortgage finance transaction or related activities. + +Always displays + +05.005 + +The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property +securing the FHA-insured Mortgage (24 CFR § 200.145(b)). + +Display descriptive text when +GovernmentAgencyAppraisalType (UID: +1000.0121, FID: 05.009) = "FHA" and +the original appraisal is for a purchase +or refinance transaction + +When ValuationIntendedUseDescription (UID: 2200.0009, FID: 05.007) is provided AND GovernmentAgencyAppraisalType = "FHA" + +• Display sub-header: Additional Intended Use (FID: 05.006) +• Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use. +• Display the text from ValuationIntendedUseDescription (UID: 2200.0009, FID: 05.007) and deliver in XML. + +Intended User + +The Intended User subsection always displays. diff --git a/chunks/txt/eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f.txt b/chunks/txt/eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d9bd448f14b8da896fab5a7401cd182aaa445f57 --- /dev/null +++ b/chunks/txt/eab50ecd6b4388c96c753208869f8873608581e2e35e14ee6bb0ab4a1ab9746f.txt @@ -0,0 +1,45 @@ +1. FEE_DETAIL groups the following data points: + +a. All property title-related enumerations for FeeType begin with “Title-“ in MISMO v3.3.0. + +b. @DisplayLabelText is included as an attribute of each FeeType and is the actual representation of the + +Fee Type value rendered on the form. See @ GSE:DISPLAY LABEL TEXT in Section V. + +c. + +IntegratedDisclosureSectionType is included with each line item to associate FeeType with the correct +subcategory of the Loan Costs table. + +d. FeePaidToType is only needed for 7.2.1 and 7.3.2 to categorize the entity receiving the fee payment and + +to identify broker or lender affiliates in support of ATR/QM. + +e. RegulationZ PointsAndFeesIndicator must be included for every charge in support of ATR/QM except 7.2 + +Points. + +2 . FEE_PAYMENT groups the data points detailing when the fee is paid (At or Before Closing) and by whom +(Borrower, Seller, or Others). FEE_PAYMENT repeats as needed for each of these five columns. The value +of FeePaymentPaidOutsideClosingIndicator is used with the Borrow-Paid and Seller-Paid columns to +indicate whether the payment was made At Closing (false) or Before Closing (true). See I NDI CATORS / +ENUMERATIONS + +3. + +(YES O R NO / CHECKBOXES)in Section V. + +Appendix E: UCD Implementation Guide + +Page 117 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 Loan Costs Table + +7. 5 SERVI CES BORROWER DI D NOT SHOP FOR + +Figure 78 illustrates an example of services required by the creditor for which the borrower did not shop. Row +05 shows that all costs paid to a title company must be represented on the form with the prefix “Title-”. diff --git a/chunks/txt/eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3.txt b/chunks/txt/eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b226a6ebedcb6b23ccd47bbed042c9e82982c68 --- /dev/null +++ b/chunks/txt/eab91b82b51cb5f121e42d568a0078716ac579c0f13019eda62b23c1e91a86f3.txt @@ -0,0 +1,137 @@ +Uniform Residential Appraisal Report + +Page 7 of 22 +Page 7 of 22 + +Unit Interior (continued) + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Fully Updated + +Time Frame +1-5 years + +Fully Updated + +1-5 years + +Fully Updated + +1-5 years + +Quality Comment +GE Monogram +appliances and +hardwood painted +cabinets. + +Tile shower and custom +vanity, owners utilized +custom designer for tile +work. + +Tile shower and custom +vanity. + +Condition Status +New or Like New + +Condition Comment +Add comment if +needed. + +Typical Wear and Tear + +Add comment if +needed. + +New or Like New + +Bathroom rarely used, +shows nicely. + +Overall Update Status for +Bathrooms + +Fully Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Quality Comment +Wool carpeting. + +Condition Status +Typical Wear and Tear + +Condition Comment +All floors were updated at the +same time as other interior +work was performed. + +Typical ceramic tile. + +Typical Wear and Tear + +No adverse conditions noted. + +Add comment if needed. + +Damaged and Functional + +Some areas of peeling paint. + +Significantly Updated + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Walls and Ceiling + +Location +Bedroom + +Description +Peeling paint was observed in one of the +bedrooms of unit. Appears to be typical +deferred maintenance. diff --git a/chunks/txt/eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78.txt b/chunks/txt/eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78.txt new file mode 100644 index 0000000000000000000000000000000000000000..ebd2df2ae75d5d7b248fea0c4f9d4faa877f0d7b --- /dev/null +++ b/chunks/txt/eac1275bd7733b47b40387f54c25ccbcc830f5d8ae84bba2f0167c659030da78.txt @@ -0,0 +1,100 @@ +Cooling System +Exists 8.051 + +Dwelling Exterior, for +each dwelling +• + +Cooling System +Type 8.051 + +Additional Row does not +populate from other +sections; the appraiser +must enter information +for the subject property + +If there are multiple dwellings, Heating System Type (and Heating +System Fuel if known) displays for each of them in the same row. + +Yes +22.05.52 + +Cooling System Exists: Indicates whether there is permanent cooling in +the structure. +• + +If No, “None” displays. + +Yes +22.05.52 + +• +• +• + +Centralized +Individual +Other (Describe) + +If there are multiple dwellings, Cooling System Type displays for each of +them in the same row. + +Yes +22.05.54 + +Additional Row +This row displays on the sales comparison grid when an additional data +element relevant to the Dwelling(s) subsection is needed that is not +predefined. + +Note: Only put one data element in each row and add additional rows as +needed for other data elements. + +Appendix F-1: URAR Reference Guide + +Page 243 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Energy Efficient and Green Features + +The Energy Efficient and Green Features subsection displays on the sales comparison grid if relevant to analysis and conclusions. + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Energy Efficient and Green Features + +If relevant + +Yes +22.06.04 + +Any adjustment for the Energy Efficient and Green Features subsection +is made in this row. + +Report +Field ID + +22.06.04 diff --git a/chunks/txt/eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc.txt b/chunks/txt/eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc.txt new file mode 100644 index 0000000000000000000000000000000000000000..b4cfd9c851f1ec8aa0cad7a51c5cd1111c106e9f --- /dev/null +++ b/chunks/txt/eac309d6db57f715751f5d4f315f6d4182db3559cc6038b510f63121c076fdfc.txt @@ -0,0 +1,49 @@ +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Manufactured Home + +Manufacturer Name +Year Installed +Moved Since Original Installation + +(cid:28)(cid:17)(cid:19)(cid:19)(cid:19) + +(cid:28)(cid:17)(cid:19)(cid:19)(cid:20) +(cid:28)(cid:17)(cid:19)(cid:19)(cid:21) + +Attached to Permanent +Foundation +Towing Hitch, Wheels, Axles +Removed +Manufactured Home Width +Skirting + +(cid:28)(cid:17)(cid:19)(cid:19)(cid:22) + +(cid:28)(cid:17)(cid:19)(cid:19)(cid:23) + +(cid:28)(cid:17)(cid:19)(cid:19)(cid:24) + +(cid:28)(cid:17)(cid:19)(cid:19)(cid:25) + +Yes No +Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support? (cid:133) (cid:133) +(cid:28)(cid:17)(cid:19)(cid:19)(cid:26)(cid:3) +Modification, Attachment, or Addition (cid:28)(cid:17)(cid:19)(cid:19)(cid:27) + +Description of Modification, Attachment, or Addition (cid:28)(cid:17)(cid:19)(cid:19)(cid:28) + +HUD Data Plate + +HUD Data Plate Attached +Date of Manufacture +Serial Number + +HUD Certification Label + +(cid:28)(cid:17)(cid:19)(cid:20)(cid:19) +(cid:28)(cid:17)(cid:19)(cid:20)(cid:20) diff --git a/chunks/txt/eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73.txt b/chunks/txt/eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73.txt new file mode 100644 index 0000000000000000000000000000000000000000..698da34ba17d01cf860cda24541e787c7aea62f3 --- /dev/null +++ b/chunks/txt/eae1b155c209fe0889171ab3dc24f258320541bdb9b558610c70fb1efc387a73.txt @@ -0,0 +1,62 @@ +▪ The VIEW container holds a complete, standalone, visual representation + +of the CD. + +▪ VIEW_FILE contains the data points used to compose the view of the CD. + +999.465 + +FOREIGN_OBJECT + +In the UCD file, holds non-XML content using EmbeddedContentXML. The +content is a base 64-encoded pdf file of the CD. + +999.468 | +999.469 | +999.470 + +DOCUMENT_CLASSIFICATION/ +DOCUMENT_CLASSES/DOCUMENT_CLASS + +▪ Holds containers describing the document supported by the XML data. + +▪ DOCUMENT_CLASSES groups one or more sets of data points identifying + +the document. + +▪ For UCD v2.0, only one instance of DOCUMENT_CLASS is needed to + +identify the form. + +N O T E : Because UCD v2.0 does not support submission of a SMARTDoc®, the AUDIT_TRAIL structure under DOCUMENT +has been omitted. + +UCD v2.0 Implementation Guide + +- 9 - + +Version 1.0 + +Uniform Closing Dataset + +III. XML File Handling + +The following graphic illustrates the hierarchy of the containers identified in Table 4, using the same color scheme. The +concept here is that all of the information—discrete data points, file submitter, embedded pdf file and type of CD form— +are about the same “document,” a specific CD. + +Figure 4. Highest Level View of XML File Structure. + +A. XML FILE METADATA AND EMBEDDED CD PDF FILE + +1. XML FILE STRUCTURE OVERVIEW + +The UCD v2.0 XML file begins with containers holding child containers, data points and attributes to: + +a. + +Indicate MESSAGE as the “root” of the XML file—its starting point. + +b. Define proprietary sets of data (namespaces “xmlns:”) to be used with MISMO v3.3.0 without error (xmlns:gse) + +and with schema validation (xmlns:ucd). diff --git a/chunks/txt/eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a.txt b/chunks/txt/eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a.txt new file mode 100644 index 0000000000000000000000000000000000000000..329d26a74059a9533e0b0d1e582bcc2d3dd0affd --- /dev/null +++ b/chunks/txt/eaf008e5dc1a9650cd478e54b3c55c3b3fadcae9b70721a348c8974e4fccf82a.txt @@ -0,0 +1,28 @@ +5 + +For refinance transactions, either investment or a 2-4 unit primary residence, the amount of the gross +rental income is entered in section “3a. Property You Own”. The lender will calculate the net monthly +rental income and included it in the loan application submission file in data point +“OwnedPropertyRentalIncomeNetAmount” (UID 5.0239). + +DU will use the Gross Rental Income or Net Rental Income entered for borrower’s two- to four-unit current +residence in the REO section of the loan application for the DTI ratio calculation. When Net Rental Income +is entered, that amount will be used for the DTI ratio calculation. If only Gross Rental Income is provided, +DU will use 75% of the Gross Rental Income for the DTI ratio calculation. For the specific scenarios of +two-to-four unit Primary Residence see the following question. + +8. How is Rental Income from a two- to four-unit Primary Residence entered into DU to make + +sure the Debt-To-Income (DTI) calculation is correct? + +Rental income is the amount of money derived from the units that are not occupied by the borrower. +The following covers two possible scenarios. + +Scenario 1 – A four-unit primary residence (which is the subject property) has rental income +from the additional units is being refinanced. There is a second home owned by the borrower. + +The property that is being refinanced is placed in Section 3a. of the redesigned URLA. +The borrower will provide the Gross Rental Income, and the lender should calculate +and enter the Net Rental Income as shown below. DU will use 75% of the Gross +Rental Income to determine the Net Rental Income if the lender does not provide this +information. diff --git a/chunks/txt/eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce.txt b/chunks/txt/eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce.txt new file mode 100644 index 0000000000000000000000000000000000000000..f580496a555121aba93f909e91f85e640f5bac72 --- /dev/null +++ b/chunks/txt/eafb68abfc3232f0aa21cfb459ed1612d3def7ce3d88fa4ab6986b5728ae9dce.txt @@ -0,0 +1,128 @@ +Mar 4 + +NEW + +Edit Updates + +7.6.10 + +Edits related to Note Rate changing severity + +ULAD- +MISMO 3.4 + +• + +3 edits changing severity from Warning to +Fatal + +Edits related to Note Rate changing severity + +ULDD- +MISMO 3.0 + +• + +3 edits changing severity from Warning to +Fatal + +Mar 25 + +ULDD Phase 5 + +To support the first implementation of ULDD phase 5, +EarlyCheck will introduce + +ULDD- +MISMO 3.0 + +• Modify 5 fatal edits + +• + +Edit updates + +o New informational edits around Appraisal +and Temporary Buydown Amount +o Updates to some existing edits around + +Appraisal +File Validation Rule updates + +• + +o Update existing file validation rules WN3380, +WN3390, WN3270, and WN3280 to ensure +data integrity around Servicing transfer date, +Appraisal, and Buydown +For more information, see the ULDD webpage. + +• Modify 2 warning edits + +• + +4 new informational edits + +• Updates to 4 File validation rules + +© 2025 Fannie Mae + +Effective +Date + +Impacted +Area + +Version + +Mar 25 + +Edit Updates + +7.6.11 + +Description + +File +Type + +Impact + +One new informational edit to validate Automated +Underwriting System (D284 to replace C32) + +ULAD- +MISMO 3.4 + +• + +1 new informational edit + +ULDD- +MISMO 3.0 + +• Modify 8 edits – 5 fatal, 3 warning + +• + +8 new edits – 5 informational, 3 warning + +ULDD- +MISMO 3.0 + +• + +3 new observational edits + +ULDD Phase 5 edits – see above for details +New warning edits to validate Down Payment, Duty to +Serve Program, and one new informational edit to +validate Automated Underwriting System (D284 to +replace C32) + +In support of the updates announced for the Mission +Index earlier this year, Fannie Mae is enhancing +EarlyCheck to help lenders evaluate their loans based on +the Mission Index values. Three new observational edits +will be added to EarlyCheck to display the loan-level +Mission Score. diff --git a/chunks/txt/eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d.txt b/chunks/txt/eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0dddd59acba675c44e6ac1a485f0850c82e48da --- /dev/null +++ b/chunks/txt/eb02fa7e6b69823545a27427793c228b7413063d37cd88ad4bc0922a1457864d.txt @@ -0,0 +1,42 @@ +See Selling Guide B4-2.1-02, Waiver of Project Review for additional information and for the requirements that apply when a +project review is waived. + +Requirements Applicable to All Properties in a Condo, Co-op, or PUD Project + +All mortgages secured by units in condo, co-op, or PUD projects must comply with the following: + +requirements specific to the project review method used to determine that project’s eligibility; + +• +• property eligibility requirements (described in Chapter B2-3, Property Eligibility); +• priority of common expense assessments (described below); and +• when an appraisal of the property is obtained, it must meet all applicable appraisal requirements (described in Selling + +Guide Chapter B4-1, Property Assessment and Valuation). + +Priority of Common Expense Assessments + +Fannie Mae allows a limited amount of regular common expense assessments (typically known as HOA fees) to have priority over +Fannie Mae’s mortgage lien for mortgage loans secured by units in a condo or PUD project. This applies if the condo or PUD +project is located in a jurisdiction that has enacted + +• +• +• + +the Uniform Condominium Act, +the Uniform Common Interest Ownership Act, or +a similar statute that provides for unpaid assessments to have priority over first mortgage liens. + +The table below describes the permitted priority of common expense assessments for purposes of determining the eligibility of a +mortgage loan secured by a unit in a condo or PUD project for purchase by Fannie Mae. + +If the condo or PUD project... + +Then... + +is located in a jurisdiction that enacted a law on or before +January 14, 2014, that provides that regular common +expense assessments will have priority over Fannie Mae’s +mortgage lien for a maximum amount greater than six +months, diff --git a/chunks/txt/eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837.txt b/chunks/txt/eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837.txt new file mode 100644 index 0000000000000000000000000000000000000000..894391b374eb4b6c661a7a498df8dcf6c32c910d --- /dev/null +++ b/chunks/txt/eb175218c3a8ae2d6196af44800e667ff0d3d47402b0d089b6944ee3e1ea3837.txt @@ -0,0 +1,82 @@ +Sales Contract (continued) + +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 + +Sales contract is a reasonable and a typical arm’s length sale. A fully executed copy of the contract was provided by the lender and anlayzed by +the appraiser. + +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 +01/24/2013 + +Amount +$600,000 + +Data Source +MLS + +Analysis of Prior Sale and Transfer History of Subject Property Since the prior sale, the kitchen has been updated with new counter tops, +new appliances, and new lighting fixtures. And the primary bathroom on the first floor was fully updated and upgraded. + +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 +MLS + +Date +02/23/2015 + +Amount +$677,250 + +2 + +3 + +Deed Transfer Only + +Non-MLS Sale + +04/13/2017 + +04/05/2015 + +Not Disclosed + +Not Disclosed + +Assessor Record + +Assessor Record + +Analysis of Prior Sale and Transfer History of Comparable Sales Comp#1: Kitchen and Bathrooms have been upgraded and updated since +the last sale. + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 16 of 22 +Page 16 of 22 diff --git a/chunks/txt/eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76.txt b/chunks/txt/eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c1425b4c3346a5427c4770b49f19be86bcc49ad --- /dev/null +++ b/chunks/txt/eb1b2c80d8db2a8554ad7bee1362a790294eca2b298e09f93f630e4cc56b4f76.txt @@ -0,0 +1,51 @@ +Page 130 + +• Broadband Internet Available – BroadbandInternetAvailableIndicator (FID: 1500.0166, FID: 4.067) + +o Always displays + +• Dwelling/Improvement within Utility Easement – ImprovementInBoundaryOfEasementIndicator (UID: 1500.0007, FID: 4.068) + +o Displays when EasementType = "Utility" AND GovernmentAgencyAppraisalIndicator (UID: 1000.0122, FID: Not on report) = "true" + +• Public/Private – required for each utility indicated + +o When SiteUtilityOwnershipType (UID: 1500.0102, FID: 4.070, 4.076, 4.082, 4.088, 4.094) = “Public”, a check mark displays under + +Public + +o When SiteUtilityOwnershipType (UID: 1500.0102, FID: 4.071, 4.077, 4.083, 4.089, 4.095) = “NonPublic”, a check mark displays under + +Private + +o When both are indicated, display in the same row with check marks under Public and Private + +• Detail – when SiteUtilityOwnershipType = “NonPublic”, additional information is required. + +o + +Electricity + +Appendix B-1: URAR Implementation Guide v1.3 + +▪ When UtilityType (UID: 1500.0104, FID: 4.069) = “Electricity”: + +• ElectricitySourceType (UID: 1500.0106, FID: 4.072), displays the enumerated value + +If there are multiple electricity source types , separate by a “|” + +• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.072) = “true”, display ElectricitySourceType followed by “(Shared)”, in + +same cell. + +• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.072) = “false”, does not display + +Page 131 + +o Gas + +▪ When UtilityType (UID: 1500.0104, FID: 4.075) = “Gas”: + +• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.078) = “true”, display “(Shared)” + +• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.078) = “false”, do not display diff --git a/chunks/txt/eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175.txt b/chunks/txt/eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c1a8b53ee47dca16cfd25f8fa7d4bb6b8951449 --- /dev/null +++ b/chunks/txt/eb1ba7d1bd31c718db42322e267bd102fccf8d25104fde9afae903cf81ec6175.txt @@ -0,0 +1,91 @@ +Figure 14 - 1 + +- For each Amenity Category (AmenityCategoryType) indicated, a Subject Property Amenity (AmenityType) is required. (Figure 14 - 2) + +Figure 14 - 2 + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Amenity Category/Amenity Type + +Unique ID + +Subject Property Amenities: General Information + +MISMO Data Point +Name + +Display Rules + +14.001 + +Outdoor Accessories + +0200.0016 + +AmenityCategoryType + +14.002 + +Fence + Irrigation System + Outdoor Fireplace + Outdoor Kitchen + Outdoor Riding Ring + Sports Court + +0200.0007 + +AmenityType + +Display “Outdoor Accessories” when PropertyAmenityExistsIndicator = “true” AND +(AmenityType = "Fence" OR "IrrigationSystem" OR "OutdoorFireplace" OR +"OutdoorKitchen" OR "OutdoorRidingRing" OR "SportsCourt") + +When AmenityCategoryType = “OutdoorAccessories”, display the amenity type +(AmenityType = “Fence” OR “IrrigationSystem” OR “OutdoorFireplace” OR +“OutdoorKitchen” OR + “OutdoorRidingRing” OR “SportsCourt”) + +14.001 + +Outdoor Living + +0200.0017 + +AmenityCategoryType + +Display “Outdoor Living” when PropertyAmenityExistsIndicator = “true” AND +(AmenityType = "Balcony" OR "Deck" OR "Gazebo" OR "Patio" OR "Porch" OR "Portico") + +Page 222 + +14.002 + +Balcony + Deck + Gazebo + Patio + Porch + Portico + +0200.0023 + +AmenityType + +When AmenityCategoryType = “OutdoorLiving”, display the amenity type +(AmenityType = “Balcony” OR “Deck” OR “Gazebo” OR “Patio” OR “Porch” OR “Portico” + +14.001 + +Water Features + +0200.0027 + +AmenityCategoryType + +Display “Water Features” when PropertyAmenityExistsIndicator = “true” AND +(AmenityType = "IngroundPool" OR "IngroundSpa" OR "OutdoorShower" OR "Sauna") diff --git a/chunks/txt/eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632.txt b/chunks/txt/eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632.txt new file mode 100644 index 0000000000000000000000000000000000000000..92d0e6deb6107ad856d16028d04632fe6adad75c --- /dev/null +++ b/chunks/txt/eb3f740bca93a1aacebe684b9f157d51f62b16b1905ebbddcd5fbe3f7fcde632.txt @@ -0,0 +1,45 @@ +Examples: + +• + +If there is no sales contract (SalesContractExistsIndicator (UID: 0600.0016, FID: 20.000) = "false"), or it was not reviewed by the +appraiser (SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001) = "false"), the following cells display a dash for the +subject property to show that the information is not applicable for this appraisal. + +Page 278 + +• Contract Price (if the row is included in the sales comparison approach) +• Sales Concessions +• Contract Date + +▪ Comp #3 has a water feature, specifically an inground pool. Neither the subject nor the comps have any Water Features. + +• + +In this case the Subject and Comps 1 and 2 display an em dash to show that Water Features is not applicable for the subject or +comparables 1 and 2. (Figure 22 - 2) + +Figure 22 - 2 + +Additional Rows + +AdditionalComparisonLineItemIdentifier + +Several subsections in the Sales Comparison Approach allow for extra rows to be added. The AdditionalComparisonLineItemIdentifier must +be delivered when an additional row has been added and must be a unique label for each additional row in the Sales Comparison Approach. +The same unique label must be delivered using AdditionalComparisonLineItemIdentifier (UID Subject-1800.0300; UID Comp-1800.0319) for +all properties (subject and all comparables). + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 279 + +• General Information (FID: 22.01.14) +• Site (FID: 22.03.16) +• Dwelling(s) (FID: 22.05.18) +• Unit(s) (FID: 22.07.15) +• Vehicle Storage (FID: 22.13.02) +• Outbuilding (FID: 22.14.12) + +A description must be provided using AdditionalComparisonLineItemDescription (UID Subject - 1800.0301; UID Comp - 1800.0306) for each +comparable and the subject. diff --git a/chunks/txt/eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f.txt b/chunks/txt/eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c2079364eba8a7020b0d6e2092f21f3ecbf7f60 --- /dev/null +++ b/chunks/txt/eb4e760db42347a344ced8f377458549dcacbf8c67c8e993b32c13a45f090f8f.txt @@ -0,0 +1,24 @@ +9. 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. + +Additional Supervisory Appraiser Certifications + +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. + +Signature + +[Role] + +[Contact Name] + +Date of Signature and Report + +Level +ID +State +Expires + +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 diff --git a/chunks/txt/eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8.txt b/chunks/txt/eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2301fea626b22fe3d357f7ba0fe97100fbcbef85 --- /dev/null +++ b/chunks/txt/eb58c150e08366b623f39c7a6f139950eb2541363a0614d4ac3786bbbf04e2b8.txt @@ -0,0 +1,3 @@ +Intended Use ............................................................................................................................................................................................................................ 364 + +Intended User ........................................................................................................................................................................................................................... 365 diff --git a/chunks/txt/eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d.txt b/chunks/txt/eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d.txt new file mode 100644 index 0000000000000000000000000000000000000000..81cdbe9e2d9538363be3f1ab225b056ad6a0fa8e --- /dev/null +++ b/chunks/txt/eb597799905af35c40cbe87ec0afcd3ef85f88f53ec803d4552310db5637af5d.txt @@ -0,0 +1,93 @@ +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 18 of 22 +Page 18 of 22 + +Sales Comparison Approach (continued) + +PG BRK + +Sales Comparison Map + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 19 of 22 +Page 19 of 22 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +This is where the Comparable 3 photo would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Appraisal Summary + +Contract Price +Opinion of Market Value +Market Value Condition + +Sales Comparison Approach +$775,000 + +Income Approach + +Cost Approach + +Not Necessary for Credible Results + +Not Necessary for Credible Results + +$765,000 +$775,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal + +60-90 days +09/08/2019 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Apparent Defects, Damages, Deficiencies + +None + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 20 of 22 +Page 20 of 22 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. diff --git a/chunks/txt/eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09.txt b/chunks/txt/eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09.txt new file mode 100644 index 0000000000000000000000000000000000000000..bed782a4bd94bb3271efb1a9914c9e668870a117 --- /dev/null +++ b/chunks/txt/eb6efeb744582bd517154a3f90a8154bdaa3d9f13c10ceeb0d6094e24abd4e09.txt @@ -0,0 +1,119 @@ +10.263 + +ClosingAdjustmentItemPaidOutsideOfClosingIndicator + +false + +10.140 + +ClosingAdjustmentItemType + +Other + +10.135 + +ClosingAdjustmentItemOtherDescription + +PrincipalReduction + +10.143 + +IntegratedDisclosureSectionType + +DueFromBorrowerAtClosing + +10.014 + +IntegratedDisclosureSubsectionType + +Adjustments + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING +_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL + +10.036 + +ClosingAdjustmentItemAmount + +2500.00 + +Must be > “0” + +10.297 + +ClosingAdjustmentItemPaidOutsideOfClosingIndicator + +false + +10.038 + +ClosingAdjustmentItemType + +SellerCredit + +10.026 + +IntegratedDisclosureSectionType + +PaidAlreadyByOrOnBehalfOfBorr +owerAtClosing + +UCD v2.0 Implementation Guide + +- 40 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 23. UCD v2.0 Excerpt – Closing Adjustment Data Requirements. + +UCD UID + +MISMO v3.3 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING +_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL + +10.039 + +ClosingAdjustmentItemAmount + +10,000.00 + +Must be > “0” + +10.211 + +ClosingAdjustmentItemPaidOutsideOfClosingIndicator + +false + +10.042 + +ClosingAdjustmentItemType + +ProceedsOfSubordinateLiens + +10.162 + +IntegratedDisclosureSectionType + +PaidAlreadyByOrOnBehalfOfBorr +owerAtClosing + +10.163 + +IntegratedDisclosureSubsectionType + +OtherCredits + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING +_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_PAID_BY/LEGAL_ENTIT +Y/LEGAL_ENTITY_DETAIL diff --git a/chunks/txt/eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575.txt b/chunks/txt/eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575.txt new file mode 100644 index 0000000000000000000000000000000000000000..7bba2691d632104d5f86c3620b4ef33b8af1cf8e --- /dev/null +++ b/chunks/txt/eb78f1a7df093597aef2a7c922e8ff24941394dc0d21cf52aeceb512d7a53575.txt @@ -0,0 +1,41 @@ +Total Estimated Cost of Items +Recommended for Repair + +Total Cost + +Reconciliation Exhibits + +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 + +Revision History + +Revision Date + +URAR Section + +Description + +Reconsideration of Value + +Type +Date + +Reconsideration of Value Commentary + +Result + +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 + +Supplemental Information + +Supplemental Information Exhibits + +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 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. diff --git a/chunks/txt/eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec.txt b/chunks/txt/eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e4484cb747da2f4c279a1fe6548ba82fb1ddc7f --- /dev/null +++ b/chunks/txt/eb9c3295d578d9ec7cdc845eaacb03be162829a323920d80c52f0151b8d0d6ec.txt @@ -0,0 +1,44 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 12.0 + +Nov. 20, 2024 + +During the weekend of Jan. 11, 2025, Fannie Mae will implement Desktop Underwriter® (DU®) Version 12.0. The changes in this +release will apply to new loan casefiles submitted to DU during or after the weekend of Jan. 11, 2025. + +Please review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support +this release. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file) or Codified Findings (XML file) may require +updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may +also require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated +message changes. + +New Messages + +Modified Messages + +Retired Messages + +15 + +22 + +20 + +The draft DU message file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized +subscribers on or about Nov. 20, 2024. + +Release Support + +DU Version 12.0 will be implemented in the DU integration environment on or around Nov. 20, 2024. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae +representative. diff --git a/chunks/txt/ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f.txt b/chunks/txt/ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d176d669ad884e2e606277a5c03bc78488c40bc --- /dev/null +++ b/chunks/txt/ebaab0fe6abb6d66df8d5be98e7bc2e9ed9b2e174adc00fdcd17669746407b5f.txt @@ -0,0 +1,172 @@ +Report +Field ID + +26.021 +26.028 +26.036 +26.044 +26.052 + +Apparent Defects, Damages, Deficiencies (Reconciliation) + +Report Label + +Origin of Information (Section) + +Definition / Additional Guidance + +Feature + +• +• +• +• + +Site 4.100 +Dwelling Exterior 8.056 +Outbuilding 12.020 +Unit Interior 10.056 + +As previously entered in the original section: +• +Exterior Walls and Trim +• +Flooring +• +Foundation +• Mechanical System +• +• Walls and Ceiling +• Windows +• + +Other (Describe) + +Roof + +26.058 + +Feature + +26.064 + +Feature + +Vehicle Storage +• + +Vehicle Storage Type 13.005 + +Subject Property Amenities +• + +Amenity Type 14.006 + +26.022 +26.029 +26.037 +26.045 +26.053 +26.059 +26.065 + +26.023 +26.030 +26.038 +26.046 +26.054 +26.060 +26.066 + +26.024 +26.031 +26.039 +26.047 +26.055 +26.061 +26.067 + +26.025 +26.032 +26.040 +26.048 +26.056 +26.062 +26.068 + +Location + +Description + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +• +• +• +• +• +• + +• +• +• +• +• +• + +• +• +• +• +• +• + +• +• +• +• +• +• + +Site 4.101 +Dwelling Exterior 8.057 +Outbuilding 12.021 +Unit Interior 10.057 +Vehicle Storage 13.006 +Subject Property Amenities 14.007 + +Site 4.102 +Dwelling Exterior 8.058 +Outbuilding 12.022 +Unit Interior 10.058 +Vehicle Storage 13.007 +Subject Property Amenities 14.008 + +Site 4.103 +Dwelling Exterior 8.059 +Outbuilding 12.023 +Unit Interior 10.059 +Vehicle Storage 13.008 +Subject Property Amenities 14.009 + +Site 4.104 +Dwelling Exterior 8.060 +Outbuilding 12.024 +Unit Interior 10.060 +Vehicle Storage 13.009 +Subject Property Amenities 14.010 + +As previously entered in the original section. + +As previously entered in the original section. + +As previously entered in the original section: +• +• +• +• diff --git a/chunks/txt/ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee.txt b/chunks/txt/ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..7bc3048c753e9a8c0ff4847c323edd3904e5a879 --- /dev/null +++ b/chunks/txt/ebbd785f64567defc4ccd8443e65893c728e4320147f9e4dfa8333f7103509ee.txt @@ -0,0 +1,53 @@ +On September 6, 2008, the Director of + +FHFA appointed FHFA as conservator +of the Enterprises in accordance with +the Safety and Soundness Act, as +amended by HERA, to maintain the +Enterprises in a safe and sound financial +condition and to help assure +performance of their public mission. +The Enterprises remain under +conservatorship at this time. + +B. Statutory Requirements + +Section 1323(a)(1) of the Safety and +Soundness Act, as amended, 12 U.S.C. +4543(a)(1), requires the Director of +FHFA (Director) to make available to the +public the non-proprietary data +submitted by Fannie Mae and Freddie +Mac in their mortgage reports required +under section 309(m) of the Federal +National Mortgage Association Charter +Act, as amended, 12 U.S.C. 1723a(m), +and section 307(e) of the Federal Home +Loan Mortgage Corporation Act, as +amended, 12 U.S.C. 1456(e), +respectively (hereafter, Charter Acts). +The Enterprises are required to collect, +maintain and provide to FHFA in these +mortgage reports data relating to their +single-family and multifamily mortgage +purchases (e.g., income, census tract +location, race and gender of mortgagors). +The responsibility to maintain a PUDB +for mortgage data was transferred from +HUD to FHFA pursuant to sections +1122, 1126, and 1127 of HERA. + +Section 1126 of HERA also amended + +section 1323 of the Safety and +Soundness Act by adding a new +paragraph (a)(2) which requires that +such data submitted by the Enterprises +in their mortgage reports shall include +the data elements required to be +reported under HMDA, 12 U.S.C. 2801 +et seq., at the census tract level. 12 +U.S.C. 4543(a)(2). FHFA construes this +language in section 1323(a)(2) to require +the Enterprises to submit for inclusion +in the PUDB HMDA mortgage data diff --git a/chunks/txt/ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f.txt b/chunks/txt/ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f.txt new file mode 100644 index 0000000000000000000000000000000000000000..a92310050e75d8b5dc8a75f10bac1c6257e14c0e --- /dev/null +++ b/chunks/txt/ebea7288b509c9e97d7be39bc56272835ab99d318d6d61cd7484bcbf983d214f.txt @@ -0,0 +1,70 @@ +Critical Edit Impacts on the UCD Specification v1.5 +Overview +The following tables list differences between the UCD Critical Edits Matrix (CEM) and the UCD +Specification v1.5 (Appendix_I_Uniform_Closing_Dataset, Version 1.5). + +Phase 3 edits are listed first in Closing Disclosure order to match the order of the CEM. The order of the +specification conditionality details or the CEM requirements may be changed to facilitate comparison. +The CEM requirement that differs from the spec is noted in blue underline text. If a Spec Requirement +no longer applies, it is noted in red strikeout text. Phases 1 and 2 follow this table. Details for Phase 4 +will be published in the future. + +N O T E : Data point and enumeration values are not shown in upper camel case for ease of reading. +They do need to be in upper camel case in the UCD XML file. + +Updated UCD Requirements for Phase 3 (different from UCD Specification v1.5) + +Phase UID Data Point + Enum Form Field Name / + +UCD Specification v1.5 + +Superseding CEM Requirement + +3 + +7.006 Fee Total Percent Discount Points + +Context + +1. Required +2. Must be >= “0” + +1. Required +2. Fee Actual Payment Amount ≠ "0" +3. May be negative, zero or positive + +3 + +7.010 Fee Actual Payment + +Discount Points + +1. Fee Type = "Loan Discount + +1. Must exist for all loans when FeeType = + +Amount + +Points" + +"LoanDiscountPoints" + +2. Fee Total Percent ≠ "0" + +2. Integrated Disclosure Section Type = + +3 + +7.081 Fee Paid To Type Origination Charges 1. Fee Type exists + +3 + +7.077 Fee Payment Paid + +By Type + +2. Integrated Disclosure Section +Type = "Origination Charges" + +"Origination Charges" +3. Fee Total Percent ≠ "0" diff --git a/chunks/txt/ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff.txt b/chunks/txt/ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff.txt new file mode 100644 index 0000000000000000000000000000000000000000..afc3915db1cd2ea55fcbe7679a347c90e35c6345 --- /dev/null +++ b/chunks/txt/ebf43c4f97bdc3365b3ec3e3685a52e9fd079a6c5c8a807fe49fccc126694fff.txt @@ -0,0 +1,115 @@ +Yes | No + +Utility Shared: Indicates whether the utility is shared with another property. + +If Yes, “(Shared)” displays. + +(Detail) + +4.090 Water +(Detail) + +4.090 Water +(Detail) + +Required for FHA +appraisals when there +is no public water +connected to the site +(no checkmark is +displayed in the Public +column) + +Yes | No + +Public Water Available Not Connected +• +• + +Yes (Public water available not connected) +No (Public water not available) + +Reference the appropriate government agency appraisal guidelines for more +information. + +If available for FHA, +USDA, and VA +appraisals when Water +Source is Well + +Choose an +allowable value +from table (Water +Well Type) + +Water Well Type: The type of individual water supply well. +• +• +• +• + +Artesian +Drilled +Dug +Other (Describe) + +4.090 Water +(Detail) + +Yes | No + +If applicable for FHA, +USDA, and VA +appraisals when Water +Source is Well + +Well Meets Distance Requirements: Indicates whether the well meets all +applicable distance requirements as defined by the regulating agency. +• +• + +Yes (well meets distance requirements) +No (well does not meet distance requirements) + +Reference the appropriate government agency appraisal guidelines for more +information. + +Reference the appropriate government agency appraisal guidelines for more +information. + +Appendix F-1: URAR Reference Guide + +Page 78 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Site: Utilities + +Report Label + +When to Include + +Private Utility +Impact + +Required for each +private utility + +Allowable +Answers / Format + +Adverse, +Beneficial or +Neutral + +Definition / Additional Guidance + +Comment + +Required if Private +Utility Impact is +Adverse, or as needed diff --git a/chunks/txt/ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289.txt b/chunks/txt/ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289.txt new file mode 100644 index 0000000000000000000000000000000000000000..55b56a5cf0e99936f5013682f6a7a08dc3340430 --- /dev/null +++ b/chunks/txt/ec0112d6adff020cdc80f6d975784c5e39854721093c39e07ee74c9bbd51a289.txt @@ -0,0 +1,81 @@ +Heating, Cooling + +• 1004/70 + +INSTRUCTION + +The appraiser should select the heating +and/or cooling types. If there is no heating or +cooling source, the appraiser should indicate +‘Other’ and enter ‘None’. + +Reporting Format: +Heating Types (for 1004 and 2055) – +Checkbox(es) designated with an ‘x’ Cooling +Types – Checkbox(es) designated with an ‘x’ +Description of ‘Other’ (if applicable) – Text + +Heating, Cooling -- (for Condominiums) +The appraiser should indicate the heating and +cooling types. If there is no heating source, +the appraiser should indicate ‘None’. If there is +no cooling source, the appraiser should +indicate ‘Other’ and enter ‘None’. + +Reporting Format: +Heating Types (for 1073 and 1075) – Text +Cooling Types – Checkbox(es) designated +with an ‘x’ Description of ‘Other’ (if applicable) +– Text + +Amenities +The appraiser should select the appropriate +checkbox(es) to indicate the amenities +available. The appraiser should enter the +numeral zero (0) in the appropriate space if +there are no fireplaces or woodstoves. The +appraiser should enter ‘None’ in the +appropriate space if there is no patio/deck, +pool, fence, porch, or other amenity. + +Reporting Format: +Amenity Types – Checkbox(es) designated +with an ‘x’ +Description of Amenity – Text + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075**/466** + +*FIELD IS LOCATED IN +UNIT DESCRIPTION +SECTION +** FIELD IS LOCATED IN +UNIT IMPROVEMENTS +SECTION + +• 1004/70 + +INSTRUCTION + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D diff --git a/chunks/txt/ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0.txt b/chunks/txt/ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0.txt new file mode 100644 index 0000000000000000000000000000000000000000..b32ee2765fa690ad1440102a2394850a82f562f5 --- /dev/null +++ b/chunks/txt/ec0e428a90cfd8cafd894d9e2b7a465099feba9b24c3d8e39c7f592889e5cba0.txt @@ -0,0 +1,21 @@ +Generally, improvements should be permanently affixed to the real property (either dwelling or land), with the exception of +certain appliances installed with kitchen and utility room remodels. The borrower may use HomeStyle Renovation to purchase +appliances as part of an overall remodeling project that includes substantial changes or upgrades to the rooms in which the +appliances are placed. + +HomeStyle Renovation may be used to complete the final work on a newly built home when the home is at least 90% complete. +The remaining improvements must be related to completing non-structural items the original builder was unable to finish. Such +work may include installation of buyer-selected items such as flooring, cabinets, kitchen appliances, fixtures, and trim. + +HomeStyle Renovation may be used to construct various outdoor buildings and structures when allowed by local zoning +regulations. These buildings or structures must be in compliance with any applicable building codes for the local area. Examples +of acceptable structures include, but are not limited to, accessory dwelling units (ADU), garages, recreation rooms, and swimming +pools. See Accessory Dwelling Units in SB2-3-04, Special Property Eligibility Considerations for additional information about +eligible ADUs. + +HomeStyle Renovation may not be used for complete tear-down and reconstruction of the dwelling. + +Lender Eligibility + +HomeStyle Renovation loans have specific product requirements and guidelines for which lenders must ensure detailed +compliance. Lenders must obtain special approval to deliver these types of loans to Fannie Mae prior to completion of the diff --git a/chunks/txt/ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b.txt b/chunks/txt/ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce1cfcbea84c8adff65bb3790a33fe7254a4aab0 --- /dev/null +++ b/chunks/txt/ec1b18a7f0b3ae0e3f3ae1cecc948cd4d329537ca0508aec15b89ff9cc41708b.txt @@ -0,0 +1,7 @@ +**Drive-by Downloads**– Drive-by downloads are a common method of spreading malware. Cybercriminals look for insecure web sites and plant a malicious script into HTTP or PHP code on one of the pages. This script may install malware directly onto the computer of a victim who visits the site. Such attacks require no action on the part of the victim beyond simply visiting the compromised web site. + +**Email Account Compromise (EAC)** – Fraudsters compromise victims’ email accounts, gaining access to legitimate mailboxes. EAC may lead to theft of valuable personal or financial data as well as fraudulent payments utilizing the stolen information. Fraudsters employ various tactics such as password spray, phishing, malware, and social engineering to further these schemes. + +**Fraudulent Websites** – Fraudsters are known to create fictitious websites mimicking a legitimate website to trick the user into providing sensitive personal or financial information such as login credentials, bank, or mortgage information. Alternatively, fraudsters sometimes manipulate an existing and otherwise valid website for the same purposes. Fraudulent websites may also infect the victim’s computer with malware to continue the theft of information. + +**Malware** – Shorthand for malicious software, malware is the collective name for several malicious software variants, including viruses, ransomware and spyware. Malware is code developed by cyber attackers to cause extensive damage to data and systems or to gain unauthorized access to a network. Malware is typically delivered in the form of a link or file over email and requires the user to click on the link or open the file to execute the malware. diff --git a/chunks/txt/ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d.txt b/chunks/txt/ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ab58825d6c52bfea0b42ab18286ff482d2989789 --- /dev/null +++ b/chunks/txt/ec20278e576ce0af8b55c90acc1af1fdaffb498f349cbe7d0800fea34f012b8d.txt @@ -0,0 +1,94 @@ +Free-form + +The address of the company that provided the property data report. + +Free-form + +An identifier or number issued to identify the property data report. +Note: If Reference ID is not provided, it does not display. + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Exterior Inspection Method: The method by which the exterior inspection was +conducted for the property data report. +• +• +• + +Physical +Virtual +No Inspection + +Interior Inspection Method: The method by which the interior inspection was +conducted for the property data report. +• +• +• + +Physical +Virtual +No Inspection + +mm/dd/yyyy + +Date the subject property was inspected for the property data report. + +Appendix F-1: URAR Reference Guide + +Page 44 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +Assignment Information and Scope of Work Commentary + +Report +Field ID + +2.061 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Assignment Information and Scope of Work Commentary + +If applicable + +Free-form + +Assignment +Information and +Scope of Work +Commentary + +Commentary could include information pertinent to Assignment information +and Scope of Work that is not captured in the discrete data, or additional +details to support the discrete data that is provided. +Note: If only an exterior inspection was performed, describe the extent of the +inspection, (e.g., “from the street”, “walked the property”). + +Assignment Information Exhibits + +All photos or images related to the Assignment Information section are displayed in the Assignment +Information Exhibits subsection. If there are no photos or images, this subsection does not display. diff --git a/chunks/txt/ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7.txt b/chunks/txt/ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..53a4a61f3e105326dcff4f9f232d3aa940ef3f82 --- /dev/null +++ b/chunks/txt/ec288878de875449e3ed43b527f5129fbd3a722283cb78dbbd4f8a38d62629a7.txt @@ -0,0 +1,54 @@ +systems are not needed. When the outbuilding contains an ADU, the checkboxes do not display, +and the Heating and Cooling System details display in the Mechanical System Details subsection. + +Page 207 + +• Utilities - UtilityType (UID: 0300.0028, FID: 12.010) must display. + +o When None, no other enumerated values should be delivered. +o For multiple utilities, display alphabetically with each on a new row. (Figure 12 - 5) + +Figure 12 - 4 + +Figure 12 - 5 + +Appendix B-1: URAR Implementation Guide v1.3 + +• Finished (Figure 12 - 6) + +o Display the text, “The table below depicts the area of the outbuilding, excluding vehicle storage and any ADU(s)”, when + +OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = "true". + +o Total Area - StructureExcludingVehicleStorageAndADUFinishedAreaMeasure (UID: 0300.0112, FID: 12.011) must display, even + +Page 208 + +if zero. + +o Room Summary + +▪ TotalRoomCount (UID: 0300.0020, FID: 12.012) +▪ RoomType (UID: 0300.0018, FID: 12.012) +▪ Display the number followed by a dash, then the display value for the room type. +▪ +• Unfinished (Figure 12 - 6) + +If there are multiple, display as stacked in the same cell. + +o Total Area - StructureExcludingVehicleStorageAndADUUnfinishedAreaMeasure (UID: 0300.0113, FID: 12.013) must display, + +even if zero. + +o Room Summary - Room detail is not collected or displayed for unfinished space. + +Figure 12 - 6 + +Mechanical System Details + +The Mechanical System Details subsection displays when the outbuilding contains an ADU, Units in Structure - LivingUnitCount (UID: +0300.0063, FID: 12.003) >= 1. + +Heating + +• System - HeatingSystemType (UID: 0300.0088, FID: 12.014) If there are multiple, display as stacked in a new row. diff --git a/chunks/txt/ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100.txt b/chunks/txt/ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100.txt new file mode 100644 index 0000000000000000000000000000000000000000..5dcf47312204cc65b31f13df9f7e5cf5fb8fd227 --- /dev/null +++ b/chunks/txt/ec2fc08408a77cc1fd60b9a9f342175b9612c3a6f8e2b8a1ec2660c615ff3100.txt @@ -0,0 +1,31 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 23 of 23 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26.txt b/chunks/txt/ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26.txt new file mode 100644 index 0000000000000000000000000000000000000000..e209cf465b47965f3f8742f943fb95de82e8cee4 --- /dev/null +++ b/chunks/txt/ec484e31f483a05445db3ff0b570846eb15f2812ca5f59a2bd36c0c67ab2ef26.txt @@ -0,0 +1,125 @@ +Notes + +12.6.1 Rebate ($) + +…/CLOSING_ADJUSTME +NT_ITEM_DETAIL + +ClosingAdjustmentIt +emAmount + +750.00 + +ROF as “$750.00” + +12.6 N/A + +12.6 Rebate … + +ClosingAdjustmentIt +emPaidOutsideOfCl +osingIndicator + +false + +Not reflected on form +unless “true” + +ClosingAdjustmentIt +emType + +RebateCredit + +ROF as “Rebate from +Epsilon Title Co.” + +@gse:DisplayLabelT +ext + +Rebate from +Epsilon Title Co. + +Since this is a string field, +the text is represented +on the form exactly as +provided. + +Appendix E: UCD Implementation Guide + +Page 177 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +ID + +Form Field Name MISMO v3.3.0 Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Table 120. Other Credits + +IntegratedDisclosur +eSectionType + +PaidAlreadyByOr +OnBehalfOfBorro +werAtClosing + +Not Shown + +IntegratedDisclosur +eSubsectionType + +OtherCredits + +Not Shown + +FullName + +Epsilon Title Co. + +ROF as “Epsilon Title Co.” + +12.6 N/A + +12.6 N/A + +12.6 Rebate from + +Epsilon Title Co. + +…/CLOSING_ADJUSTME +NT_ITEM/CLOSING_ADJ +USTMENT_ITEM_PAID_ +BY/LEGAL_ENTITY/LEGA +L_ENTITY_DETAIL + +12. 7 ADJUSTMENTS + +Adjustments are any additional non-prorated items that the seller(s) have not paid prior to closing, are due to +the borrower(s) at closing, and are not already disclosed as line items in the Loan Costs or Other Costs tables or +in section L. A sample line item is illustrated in the following figure. + +Summaries of Transactions + +BORROWER’S TRANSACTION + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12.0.1 $227,015.00 + +12.7 Adjustments + +12.7.1 + +07 Relocation Funds from Employer, Inc. diff --git a/chunks/txt/ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8.txt b/chunks/txt/ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4953f5f3218521ec20a40859d39a887b7cf645c --- /dev/null +++ b/chunks/txt/ec4a5ac42e49aac74390e0025b72a998b41a0d9df37c4e291eaa0d6cae1e01c8.txt @@ -0,0 +1,30 @@ +Note: Unlike the other enhancements in these release notes, these changes will be applied to new loan casefiles +underwritten with DU Version 12.0, as well as resubmissions of loan casefiles underwritten with DU Version 11.1. + +Updates to Align with the Selling Guide + +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated. + +Retirement of DU Version 11.0 + +With the release of DU Version 12.0, DU Version 11.0 will be retired. Therefore, effective the weekend of Jan. 11, 2025, customers +will no longer be able to resubmit loan casefiles to DU Version 11.0. Customers will be able to view online loan applications and +DU Underwriting Findings reports that were created under DU Version 11.0. To obtain an updated underwriting recommendation +after the weekend of Jan. 11, customers must create a new loan casefile and submit it to DU. + +Note: DU Version 11.0 loan casefiles would have been created prior to Feb. 25, 2023; therefore, those loan casefiles would +have been created 23 months prior to the retirement of DU Version 11.0. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. + +© 2024 Fannie Mae. + +11.20.24 + +4 of 4 diff --git a/chunks/txt/ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23.txt b/chunks/txt/ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23.txt new file mode 100644 index 0000000000000000000000000000000000000000..7196a3c8b48a65af24c7006c1aa9fea88208f63b --- /dev/null +++ b/chunks/txt/ec56aa589a87336b97b0560673ec24cb04ac831eeb2e9e64ba6a4eca13164c23.txt @@ -0,0 +1,95 @@ +This field is required if the value of field e- +29 (GSE Listing Status Type) is +'SettledSale'. + +The sum of this field 3-64 and fields (3-60, +3-62, 3-66, 3-68, 3-70, 3-72, 3-74, 3-76, 3- +78, 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. + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: + +R + +CR + +CR + +CR + +R + +399 + +3 + +e-15 + +SALES +COMPARISON +APPROACH + +Location + +(Location Type) + +GSE Location Type + +The type of location influences associated +with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_ +EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@ +GSELocationType + +20 + +Enumerated + +Allowable Values PDF Display +Residential Res +Industrial Ind +Commercial Comm +BusyRoad BsyRd +WaterFront WtrFr +GolfCourse GlfCse +AdjacentToPark AdjPrk +AdjacentToPowerLines AdjPwr +Landfill Lndfl +PublicTransportation PubTrn +Other * + +*See field e-16 directly below. + +At least one but no more than two values are +required. + +R + +400 + +3 + +e-16 + +SALES +COMPARISON +APPROACH diff --git a/chunks/txt/ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4.txt b/chunks/txt/ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4.txt new file mode 100644 index 0000000000000000000000000000000000000000..91df42c9248bc11a812e38cd854c813071694a91 --- /dev/null +++ b/chunks/txt/ec571c35bd8b199b4ddbfd248c17c24e1ca0a8f3e07a6a8662ad1331bd05b1e4.txt @@ -0,0 +1,118 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_DATA +_SOURCE[@DataSourceType='Other'] + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_DATA +_SOURCE/@DataSourceTypeOtherDescription + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@GrossLivingAreaSqu +areFeetDataSourceDescription +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@FloorIdentifie +r + +Level Count + +The number of structure levels. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@LevelCount + +Heating Unit +Description + +A free-form text field used to describe the +heating type (i.e. central, forced, wall, etc) +description. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_UnitDes +cription + +UNIT +IMPROVEMENTS + +Heating +Fuel + +Heating Fuel +Description + +A free-form text field used to describe the +fuel used by the heating unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_FuelDes +cription + +UNIT +IMPROVEMENTS + +Cooling +Central AC + +Cooling Centralized +Indicator + +Indicates that the structure has a central +cooling unit indicator. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Centrali +zedIndicator + +257 + +2 + +55 + +UNIT +IMPROVEMENTS + +Cooling +Individual AC + +Cooling Individual +Indicator + +Indicates that the structure or unit has +individual cooling units. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Individu +alIndicator + +258 + +2 + +56 + +UNIT +IMPROVEMENTS + +Cooling +Other + +Cooling Other +Indicator + +Indicates that the structure or unit has a +cooling configuration other than +Centralized or Individual. The details may +be found in Cooling Unit Description. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_OtherIn +dicator + +1 + +1 + +1 + +25 + +25 + +25 + +25 + +25 + +25 diff --git a/chunks/txt/ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08.txt b/chunks/txt/ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08.txt new file mode 100644 index 0000000000000000000000000000000000000000..916fc1adc5c322ca865a309f5f11f0c92b51621a --- /dev/null +++ b/chunks/txt/ec61a35fb2165cc3f9d4237445cc876ccd7ebdd3ccb7b8d95a37cc5d53f98a08.txt @@ -0,0 +1,113 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This is a free-text field that must contain the appraiser’s description of the financing +type if 'Other' is indicated. + +11 + +String + +This field is required if the value of field e-26 +(GSE Financing Type) is ‘Other’. + +CR + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 193 of 211 + +Document Version 1.4 + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +286 + +2 + +e-28 + +SALES +COMPARISON +APPROACH + +Concessions +(Line 2) + +GSE Concession +Amount + +The total known amount of the sales or +financing concessions for the comparable +sale transaction. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEConcessionAmount + +287 + +2 + +55 + +SALES +COMPARISON +APPROACH + +Concessions Adjustment +(Line 2) + +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_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='FinancingConcessions']/@_Amount diff --git a/chunks/txt/ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401.txt b/chunks/txt/ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401.txt new file mode 100644 index 0000000000000000000000000000000000000000..41987446f4daffabb9e615b125ad9e45d1920b8d --- /dev/null +++ b/chunks/txt/ec628d2371b456caa08b3df62c7a298ddf185cdb6bc5dd0150b44834c11f5401.txt @@ -0,0 +1,24 @@ +- Select "hou​sing counseling agency" near you, then select your state. +- To locate housing counseling agencies in your area that speak your language, select "Click here to narrow your search" and select a language. +- Or, call HUD at 800-569-4287 for help in finding a counselor. +Information about housing counselors is also available at [www.consumerfinance.gov/find-a-housing-counselor](http://www.consumerfinance.gov/find-a-housing-counselor). + +*​**LEGAL DISCLAIMER*** +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​​* + +*​* + +*Last updated: December 2, 2022​​* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) diff --git a/chunks/txt/ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8.txt b/chunks/txt/ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ae7b57280993067ebf2d5ed01a97db2a4639521 --- /dev/null +++ b/chunks/txt/ec6be67842b2b46f634833e0779169fe5814593e4f9fbfcb81c049b6fc82adb8.txt @@ -0,0 +1,18 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 1 of 166 + +UAD 3.6 Policy +SB4-1.4-11, Value Acceptance + Property Data (06/04/2025) ....................................................................................................................... 125 +SB4-2.1-01, General Information on Project Standards (12/10/2025).......................................................................................................... 128 +SB4-2.2-06, Project Eligibility Review Service (PERS) (12/10/2025) ............................................................................................................. 138 +SB5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan Delivery Requirements (12/10/2025) .................................... 158 +SB5-2-05, Manufactured Housing Legal Considerations (12/10/2025) ....................................................................................................... 159 +SB5-3.1-01, Conversion of Construction-to-Permanent Financing: Overview (06/04/2025) ...................................................................... 166 +SB5-3.1-02, Conversion of Construction-to-Permanent Financing: Single- Closing Transactions (11/05/2025) ...................................... 167 +SB5-3.2-01, HomeStyle Renovation Mortgages (12/10/2025) ...................................................................................................................... 173 +SB5-3.2-05, HomeStyle Renovation Mortgages: Completion Report (06/04/2025) ..................................................................................... 176 +SB5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties (12/10/2025) ........................................................................... 177 +5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities (10/08/2025) ..................................................................................... 182 +SB5-7-03, High LTV Refinance Alternative Qualification Path (06/04/2025) ................................................................................................ 185 +SE-3, Acronyms and Glossary of Defined Terms ........................................................................................................................................... 191 diff --git a/chunks/txt/ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9.txt b/chunks/txt/ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b7ada91b12ae712b20091727fbfb9e076fac634 --- /dev/null +++ b/chunks/txt/ec709de9bc0d78034afc6a93fe88094434b61f00c37ee14270d3460b316e1eb9.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data" +date_accessed: "2026-01-27T18:10:30.807Z" +--- + +> *[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) diff --git a/chunks/txt/ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f.txt b/chunks/txt/ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9221bbd84f8a6a7bcda3dfed23af31b590563f08 --- /dev/null +++ b/chunks/txt/ec7ac05bcf9073cff85faa664ee185b621b81af5fb8aa83cf6fbaf57ac51571f.txt @@ -0,0 +1,40 @@ +Puerto Rico Direct Mortgage Instruments + +The statutory provisions of Puerto Rico permit a mortgage transaction to be documented by a single instrument that +combines the terms of a note and mortgage. This is referred to as a “direct” mortgage. Fannie Mae does not publish standard +legal documents for direct mortgages; therefore, lenders must develop (or acquire) appropriate documentation for these +mortgages consistent with the applicable Puerto Rico statutes. By delivering a direct mortgage to Fannie Mae, the lender +must make the nonstandard document warranties. (See A2-2-02, Delivery Information and Delivery-Option Specific +Representations and Warranties.) + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 188 of 166 + +UAD 3.6 Policy + +Security Instruments for Manufactured Home Mortgages + +Fannie Mae prefers lenders to use the standard Fannie Mae uniform instruments for manufactured home loans sold to it. + +Loan documents are not acceptable if they: + +• + +state that the home is personal property or contain other words to that effect; + +• + +state that the parties do not intend to attach the home to a permanent foundation system on the land, or contain +statements inconsistent with that intention; + +• unless required by law, provide that rights of holders in due course are waived, or with other words provide that an + +assignee note holder may be held liable for claims the borrower may have against other parties; or + +• + +include consumer finance paper (which combines the note and security instrument in a single document) or a retail +installment sales contract. + +The following list provides the requirements for the security instrument used for a manufactured home loan. diff --git a/chunks/txt/ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869.txt b/chunks/txt/ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869.txt new file mode 100644 index 0000000000000000000000000000000000000000..362e6096e1573269c79e0edc055eddec30d78a6a --- /dev/null +++ b/chunks/txt/ec7e76c499c639c9ae363136000085bfae2072cc1c37facf7434ca25269e6869.txt @@ -0,0 +1,218 @@ +$ + +49 + +sq. ft. + +47 + +$ 48 + +e-25; e-2 + +51 + +DESCRIPTION + ++(-) $ Adjustment + +53 +55 + +57 + +59 + +61 + +63 + +65 + +67 + +69 + +71 + +73 + +52 +e-26; e-27; e-28 + +e-29; e-30; e-31 + +e-14; e-15; e-16 + +60 + +62 + +e-5; e-6; e-7 + +66 + +68 + +e-17; 70 + +72 + +74 Total Bdrms. Baths + +78 + +80 + +82 +84 + +86 + +88 + +90 + +92 + +94 + +96 +98 +100 + +75 + +76 + +77 + +79 sq. ft. + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +85 + +87 + +89 + +91 + +93 + +95 +97 +99 + +101 + + - + +102 + +$ 103 + +Net Adj. 103a % +Gross Adj. 103b % + +$ 104 + +53 +55 + +57 + +59 + +61 + +63 + +65 + +67 + +69 + +71 + +73 + +74 + +78 + +80 + +82 +84 + +86 + +88 + +90 + +92 + +94 + +96 +98 +100 + +112 + +108 + +111 + +109 + +My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. +Data source(s) 110 +My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. +Data source(s) 113 +Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3). +COMPARABLE SALE # 3 +118 +119 +120 +121 + +Date of Prior Sale/Transfer +Price of Prior Sale/Transfer +Data Source(s) +Effective Date of Data Source(s) +Analysis of prior sale or transfer history of the subject property and comparable sales 122 + +COMPARABLE SALE # 1 +118 +119 +120 +121 + +COMPARABLE SALE # 2 +118 +119 +120 +121 + +SUBJECT +114 +115 +116 +117 + +ITEM + +Summary of Sales Comparison Approach 123 + +Indicated Value by Sales Comparison Approach $ 124 +Indicated Value by: Sales Comparison Approach $ 125 +128 + +Cost Approach (if developed) $ 126 + +Income Approach (if developed) $ 127 diff --git a/chunks/txt/ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62.txt b/chunks/txt/ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62.txt new file mode 100644 index 0000000000000000000000000000000000000000..98c80e950db6660933a6d31cc1187aa4067be8be --- /dev/null +++ b/chunks/txt/ec8432a5870494544a55e46441896363ca0aed05b40d8ea5c2f5ee1d9455cc62.txt @@ -0,0 +1,89 @@ +The xpath or an abbreviated version of the xpath. + +The unique UAD 3.6 data specification number +assigned to each instance of a MISMO data point. + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +X + +X + +X + +X + +X + +X + +X + +Report Type + +Update +Report +X + +Completion +Report +X + +Format +Type + +PDF / JSON + +PDF / JSON + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +JSON + +JSON + +JSON + +JSON + +JSON + +JSON + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. diff --git a/chunks/txt/ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c.txt b/chunks/txt/ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa2bb047246d5cb1ac6bcc57f37d792dd335f536 --- /dev/null +++ b/chunks/txt/ec86ac5c5eeb66df33d598018f421ca91e61561b5ec92ad0cacbff5793ec466c.txt @@ -0,0 +1,143 @@ +AccessoryDwellingUnitTypicalToMarketIndicator + +10.015 + +Ingress/Egress + +0700.0091 + +AccessType + +Display when AccessoryDwellingUnitIndicator = "true" + +10.016 + +Separate Postal Address + +0700.0090 + +SeparatePostalAddressIndicator + +Figure 10 - 7 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 182 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point/Attribute Name + +Display Rules + +10.017 + +Levels in Unit + +0700.0063 + +LevelCount + +Always displays + +Unit Interior: General Information + +10.018 + +Floor Number + +10.019 + +Corner Unit + +0700.0060 + +FloorIdentifier + +0700.0058 + +CornerUnitIndicator + +Display when (StructuralDesignType = "Lowrise" OR “Midrise” OR "Highrise") or exists. + +10.020 + +Occupancy + +0700.0070 + +UnitOccupancyType + +Always displays + +10.021 + +Utilities Separately Metered + +0700.0072 + +UtilitiesMeteredSeparatelyIndicator + +Display when LivingUnitExcludingADUCount > 1 OR AccessoryDwellingUnitTotalCount > 0 + +10.022 + +Utilities Operating + +0700.0068 + +UnitUtilitiesOperatingIndicator + +Display when UnitOccupancyType = "Vacant" AND (GovernmentAgencyAppraisalType = +"FHA" OR "USDA") + +10.023 + +Total Bedrooms + +0700.0118 + +BedroomCount + +Always displays + +10.024 + +Total Bathrooms - Full + +0700.0119 + +FullBathroomCount + +10.025 + +Total Bathrooms - Half + +0700.0120 + +HalfBathroomCount + +- Provide the total count of full baths, half baths, and bedrooms per unit +- Must match the Room Summary in the “Level and Room Detail” table +- Can be delivered as “0” + +10.026 + +Non-Residential Use in Unit + +0700.0130 + +UnitMixedUsageIndicator + +10.027 + +Live/Work Space + +0700.0100 + +AllowableLiveWorkSpaceIndicator + +Display when LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.015) = "true" diff --git a/chunks/txt/ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73.txt b/chunks/txt/ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73.txt new file mode 100644 index 0000000000000000000000000000000000000000..4941e019492bd9f1f32ace8a69fbbe4cf4ec0063 --- /dev/null +++ b/chunks/txt/ec966b874fac3d8e48c3c458b24d52918f02055d425d892c351f11dd20cfcb73.txt @@ -0,0 +1,87 @@ +Total Depreciation for Dwelling: The lump sum accumulated monetary loss in +value for the reproduction or replacement cost of the dwelling from all causes +of depreciation. Can be 0. + +Manufactured Home Delivery, Installation a nd Setup for the Dwelling + +Cost Approach – Manufactured Home Delivery, Installation and Setup (Dwelling) + +Report +Field ID + +Report Label + +When to Include + +25.017 Manufactured +Home Delivery, +Installation, and +Setup + +Required if +Construction Method +is Manufactured + +Allowable +Answers / Format + +Dollar amount + +Definition / Additional Guidance + +The total amount associated with the delivery, installation, and setup costs for +a manufactured home. If the specific amount is unavailable from the invoice, +provide a reasonable estimate, and explain in Cost Approach Commentary. + +Estimated Dwelling Cost (Total) + +Cost Approach – Total Depreciated Cost (Dwelling) + +Report +Field ID + +Report Label + +When to Include + +25.018 Total + +Required for each +dwelling + +Allowable +Answers / Format + +Dollar amount + +Definition / Additional Guidance + +Estimated Dwelling Cost: The estimated cost of the dwelling, including all costs +to replace or reproduce the dwelling, the applicable depreciation, and any +applicable delivery, installation, and setup fee. + +Calculated for the dwelling: +• +Add the following: + +Area Type Costs(s) 25.009 + +o +o Manufactured Home Delivery, Installation, and Setup 25.017 if + +applicable +Subtract depreciation: + +• + +o +o +o + +o + +Dwelling Physical Depreciation Amount 25.011 +Dwelling Functional Depreciation Amount 25.013 +Dwelling External Depreciation Amount 25.015 +OR +Total Depreciation for Dwelling 25.016 diff --git a/chunks/txt/ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471.txt b/chunks/txt/ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea5986749fa7bc5d122282d67ecc4d606d0229f1 --- /dev/null +++ b/chunks/txt/ec9e83a51ff6c8605448dd3ae07a07f18168066be4dd8cd9795d4f6d90ef6471.txt @@ -0,0 +1,5 @@ +Manufactured Home ..................................................................................................................................... 45 + +HUD Data Plate (H1) ........................................................................................................................................... 46 + +HUD Certification Label (H1) ............................................................................................................................... 46 diff --git a/chunks/txt/eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd.txt b/chunks/txt/eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..093e87b5045ec5e718d201686ad3fe4aa3bafdd5 --- /dev/null +++ b/chunks/txt/eca203b60192a6b54b7e8a5d91b9d5cf921db2ba708450e20a4c60fb0cc615cd.txt @@ -0,0 +1,200 @@ +Multi + +Multi + +Multi + +Heating + +Forced Warm Air | Electric + +Forced Warm +Air | Propane + +$0 + +Forced Warm +Air | Electric + +Manufactured + +Multi + +Forced Warm +Air | Propane + +$0 + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Appraisal Version #3 + +Fannie Mae | Freddie Mac +September 2024 + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +1,568 Sq. Ft. + +1,800 Sq. Ft. + +$(15,000) + +1,248 Sq. Ft. + +$20,800 + +2,250 Sq. Ft. + +$(44,300) + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Appraiser Reference ID + +2222-55HG + +Client Reference ID BL2345-1234567 + +Uniform Residential Appraisal Report + +Page 20 of 30 +Page 20 of 30 + +Sales Comparison Approach (continued) + +Property Address + +123 Anywhere St +Some City, VA 20141 + +345 Somewhere Ave +Some City, VA 20141 + +222 Canal Blvd +Anywhere City, VA 20141 + +98761 State Rd 3 +Anywhere City, VA 20141 + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Foundation + +Roof + +Condition + +Q4 + +Vinyl + +Crawl Space | Pier +with Tie Down + +Composition + +C1 + +Q4 + +Engineered Wood + +Crawl Space | Pier +with Tie Down + +Composition + +C4 + +Q4 + +Vinyl + +Crawl Space | Pier +with Tie Down + +Composition + +C3 + +Q4 + +Engineered Wood + +Crawl Space | Pier +with Tie Down + +Composition + +C5 + +Exterior Walls and Trim + +New or Like New + +Damaged and Functional + +Typical Wear and Tear + +Damaged and Functional + +Roof + +New or Like New + +Typical Wear and Tear + +Typical Wear and Tear + +Damaged and Functional + +Interior Quality and Condition + +Quality + +Kitchen + +Overall Bathrooms diff --git a/chunks/txt/ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae.txt b/chunks/txt/ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1d97497362f6dce90765917139bf66bf67f1dca --- /dev/null +++ b/chunks/txt/ecaa272e90d9981fef30b0347cdfd65ccc77443b5257c7f776d206470de2d4ae.txt @@ -0,0 +1,113 @@ +Indicates whether a factory built certification is present and has been examined +for the modular home. +Note: +• + +See Construction Method for definitions of Modular and On-Frame +Modular. + +Photo(s) of the certification may be provided, which display in Dwelling +Exterior Exhibits. A caption (such as “Factory Built Certification”) must be +provided to further identify the photo. + +8.015 + +Structure +Volume + +When requested by +client + +Number of cubic +feet + +The total volume of the structure, including finished and unfinished areas. +Note: When applicable, report the volume provided. + +Appendix F-1: URAR Reference Guide + +Page 98 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Dwelling Exterior: Factory Built Certification, Volume, and Window Surface Area + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +8.016 Window Surface +Area + +When requested by +client + +Number of square +feet + +The combined surface area for all windows in the structure. +Note: When applicable, report the area provided. + +Attic + +Reference the appropriate government agency appraisal guidelines for more information. + +Dwelling Exterior: Attic + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Yes | No + +8.017 + +Attic + +8.017 + +Attic + +8.017 + +Attic + +Required for FHA, +USDA, and VA +appraisals when +Structure Design is not +High-rise, Mid-rise, or +Low-rise + +Required for FHA and +USDA appraisals when +Attic Exists is Yes + +Yes | No + +Yes | No + +Required for FHA and +USDA appraisals when +Attic Accessible for +Observation is Yes + +Definition / Additional Guidance diff --git a/chunks/txt/ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e.txt b/chunks/txt/ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e.txt new file mode 100644 index 0000000000000000000000000000000000000000..dfe03c9968ecb3e1ddc896e022f19e8649247b28 --- /dev/null +++ b/chunks/txt/ecb7bb30dc0a16682caa5d4b8461ab93074d172128ed9eed0c7c55eb6b12625e.txt @@ -0,0 +1,70 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@DataSourceVe +rificationDescription + +4 + +35 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +The appraisal report must include the data source(s) utilized for each comparable sale. +When using a MLS as the data source, the MLS organization acronym or +representation followed by '#' and then the listing identification (numbers and letters) +must be reported. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +String + +Must provide a whole number or "Unk" if not known. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +390 + +3 + +59 + +SALES +COMPARISON +APPROACH + +Sale or Financing +(Line 1) + +GSE Sale Type + +The type of sale associated with the +subject or comparable property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSESaleType + +17 + +Enumerated + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +Allowable Values PDF Display + Comp Grid Page 1 +REOSale REO REO sale +ShortSale Short Short sale +CourtOrderedSale CrtOrd Court ordered sale +EstateSale Estate Estate sale +RelocationSale Relo Relocation sale +NonArmsLengthSale NonArm Non-arms length sale +ArmsLengthSale ArmLth Arms length sale +Listing Listing * diff --git a/chunks/txt/ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a.txt b/chunks/txt/ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf588083491b8fcf1ecf432981f94c5835dbaf78 --- /dev/null +++ b/chunks/txt/ecc0f44e8bb7696838a05711351988280ab3cc3662cc06658a51662eed4ed79a.txt @@ -0,0 +1,33 @@ +5. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory +completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will +be performed in a professional manner. + +Freddie Mac Form 2055 March 2005 226 + +Page 4 of 6 + +Fannie Mae Form 2055 March 2005 + +2 + +Exterior-Only Inspection Residential Appraisal Report + +File # 3 4 4a + +APPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that: + +1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in +this appraisal report. + +2. I performed a visual inspection of the exterior areas of the subject property from at least the street. I reported the condition +of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the +livability, soundness, or structural integrity of the property. + +3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal +Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in +place at the time this appraisal report was prepared. + +4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales +comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach +for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop +them, unless otherwise indicated in this report. diff --git a/chunks/txt/ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078.txt b/chunks/txt/ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078.txt new file mode 100644 index 0000000000000000000000000000000000000000..dcc92dc177acb7c53052bc281672283025083bc0 --- /dev/null +++ b/chunks/txt/ecef72d5492f7ee4a22b9c66594da984a64fc872718905fd342ab3df1aeb6078.txt @@ -0,0 +1,124 @@ +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Improvements Section +This field must contain additional comments about the condition of the property. + +296 + +2 + +89 + +UNIT +DESCRIPTION + +297 + +2 + +90 + +UNIT +DESCRIPTION + +UNIT +DESCRIPTION + +UNIT +DESCRIPTION + +UNIT +DESCRIPTION + +UNIT +DESCRIPTION + +298 + +299 + +300 + +301 + +302 + +303 + +2 + +2 + +2 + +2 + +2 + +2 + +91 + +92 + +93 + +94 + +95 + +96 + +Are there any physical +deficiencies or adverse +conditions that affect the +livability, soundness, or +structural integrity of the +property? +Yes +Are there any physical +deficiencies or adverse +conditions that affect the +livability, soundness, or +structural integrity of the +property? +No +Are there any physical +deficiencies or adverse +conditions that affect the +livability, soundness, or +structural integrity of the +property? +If Yes describe +Does the property generally +conform to the neighborhood +(functional utility, style, +condition, use, construction, +etc.)? +Yes +Does the property generally +conform to the neighborhood +(functional utility, style, +condition, use, construction, +etc.)? +No +Does the property generally +conform to the neighborhood +(functional utility, style, +condition, use, construction, +etc.)? If No, describe + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P +hysicalDeficiency' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator diff --git a/chunks/txt/ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180.txt b/chunks/txt/ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8855094794ccad16c95968aed0be2def1d6edba --- /dev/null +++ b/chunks/txt/ecffc6926e7dbca654e480dee80acf501c10c6115ed11b07021b240a2b4f3180.txt @@ -0,0 +1,130 @@ +2. Deposit is present in + +2. Deposit is present in the + +the transaction. + +transaction. + +2 + +10.029 CLOSING_COST_ + +FUND / Closing +Cost Fund Amount + +1. Loan Purpose Type += “Purchase” +2. Funds Type = + +“Deposit On Sales +Contract” + +2 + +5.035 Projected Payment + +Must exist for all loans + +1. LoanPurposeType = “Purchase” +2. Funds Type = “Deposit On Sales + +Contract” + +3. Must be greater than or equal to + +"0" + +1. Must exist for all loans +2. Must be greater than or equal + +to "0" + +Estimated Taxes +Insurance +Assessment Total +Amount + +2 + +10.002 INTEGRATED +DISCLOSURE +SECTION +SUMMARY +DETAIL / Integrated +Disclosure Section +Total Amount + +K. Due from +Borrower at +Closing - Amount + +1. Loan Purpose Type = + +1. Loan Purpose Type = + +“Purchase” + +2. + +“Purchase” +Integrated Disclosure Section +Type = “Due From Borrower At +Closing" + +3. Must be greater than or equal + +to "0" + +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +Confidential + +Fannie Mae Confidential + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by +Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +Updated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5) + +Phase UID + +Data Point + +Enum + +Form Field +Name / Context + +UCD v1.5 Specification + +Superseding CEM Requirement + +2 + +6.015 +10.141 + +Cash From +Borrower At +Closing Amount + +Cash to Close - +Amount +CALCULATION - +Cash to Close +From / To +Borrower + +2 + +6.016 | +10.142 + +Cash To Borrower +At Closing Amount + +1. Cash To Borrower At Closing + +Amount does not exist + +2. Must be greater than or equal diff --git a/chunks/txt/ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784.txt b/chunks/txt/ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784.txt new file mode 100644 index 0000000000000000000000000000000000000000..16d70a505a48f5539b8bb5dada7498d05597e71d --- /dev/null +++ b/chunks/txt/ed05b7a405da29caeb2383aec9e19ce7e551b63d40365caf0e3978e4ac93f784.txt @@ -0,0 +1,76 @@ +“Reason Not Used,” “Comment”. + +• + +If applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text. + +• Columns 1: + +1 pica, 6 points (~6 characters max, per line, per cell) + +• Columns 2, 4, 5: + +7 picas 6 points wide (~30 characters max, per line, per cell) + +• Column 3: + +4 picas 6 points wide (~18 characters max, per line, per cell) + +• Column 6: + +16 picas 6 points (~66 characters max, per line, per cell) + +• Content sets as TB + +ADDITIONAL PROPERTIES ANALYZED TABLE + +Sales Comparison Map (H1) + +Map sets full page. + +Sales Comparison Approach Exhibits (H1) + +Full size Photos of Sales Comparables display here, along with any other exhibits. + +Rental Information sets as TAB. + +Rent Schedule (H1) + +Subject Property Rental Information (H2) + +Subject Property Rental Information table + +• Set 10 equal column table x 45 picas, headings: (TCH) first column no TCH, “Currently + +Rented,” “Occupancy,” “Monthly Rent,” “Month-to-Month,” “Lease Start,” “Rent Control,” +“Rent Concessions,” “Utilities/Services Included,” “Furnished” (~17 characters max, per line, +per cell) + +SUBJECT PROPERTY RENTAL INFORMATION TABLE + +Appendix E: Report Style Guide + +Page 64 of 90 + +Version 1.4 + +• First table body row, first column, set as TB [Unit Identifier], brackets indicate a placeholder + +text + +• Content sets as TB + +Description of Rent Control and Impact to Value/Marketability + +• + +“Description of Rent Control and Impact to Value/Marketability” sets as TXC-B (bold lead in to +Myriad Pro Regular text) x 45 picas + +Actual Income (Monthly) (H2-1) + +Left-hand side of page + +• + +“Actual Income (Monthly)” sets H2-1 x 22 picas diff --git a/chunks/txt/ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081.txt b/chunks/txt/ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081.txt new file mode 100644 index 0000000000000000000000000000000000000000..4cb2e853dc6f942b2877a1fa5dddb2b5c3f63ff8 --- /dev/null +++ b/chunks/txt/ed0aeec7fb018f5103c2a4d7450db8dea83f9d5faf5798280900172773ec0081.txt @@ -0,0 +1,196 @@ +AppraiserTrainee + +Hybrid;Virtual;AppraiserTrainee;YYYY-MM-DD + +YYYY-MM-DD + +RealEstateAgent + +HomeInspector +InsInspector (e.g. +*Insurance Inspector) +Other + +Hybrid;Virtual;RealEstateAgent;YYYY-MM-DD + +Hybrid;Virtual;HomeInspector;YYYY-MM-DD + +Hybrid;Virtual;InsInspector;YYYY-MM-DD + +Hybrid;Virtual;Other;YYYY-MM-DD + +DesktopAppraisal + +1073 Desktop/465D + +TraditionalAppraisal + +1073/465 + +PriorHybrid + +Other + +Null + +Null + +Null + +Null + +YYYY-MM-DD +from PDR used in +prior hybrid +(inspection date = +date of PDR) +Null + +DesktopAppraisal;PriorHybrid;;YYYY-MM-DD + +DesktopAppraisal;Other;; + +Null + +TraditionalAppraisal;;; + +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 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +1 + +N/A + +N/A + +N/A + +N/A + +Appraisal Form Type + +Specifies the appraisal form used to +report the valuation. + +/VALUATION_RESPONSE/REPORT/@Appra +isalFormType + +10 + +Enumerated + +2 + +3 + +4 + +5 + +6 + +N/A + +N/A + +N/A + +N/A + +Embedded File + +N/A + +/VALUATION_RESPONSE/REPORT/EMBED +DED_FILE/DOCUMENT + +N/A + +N/A + +1 + +1 + +1 + +1 + +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +Report Title +Description + +Appraiser File +Identifier + +HEADER + +BLANK + +Appraiser Additional +File Identifier Name + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_Title +Description + +This is an identifier or number used +by the appraiser to identify their +reports. It is generally specific to the +appraiser +Secondary report identifier used by +the appraiser to identify appraisal +reports. This field may carry the FHA +number, case number, loan number or +some other identifier. diff --git a/chunks/txt/ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb.txt b/chunks/txt/ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0e4bc0f2634c385f52a973340d5b5701be31efd --- /dev/null +++ b/chunks/txt/ed2bda466272d4baeb1fd10c2db173b7cbbe7bf5a38bf384ea2607354536fceb.txt @@ -0,0 +1,43 @@ +[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](/) + - [Policy](/policy) + - Executive Compensation + +Policy + +# Executive Compensation + +## Executive Compensation Rule + +The Executive Compensation Rule sets forth requirements and processes with respect to compensation provided to executive officers by Fannie Mae, Freddie Mac, the FHLBanks, and the Office of Finance, consistent with the safety and soundness responsibilities of FHFA under the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The 2014 final rule is codified at 12 CFR part 1230. Link to the [Executive Compensation Rule](/regulation/federal-register/final-rule/executive-compensation-final-rule). diff --git a/chunks/txt/ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5.txt b/chunks/txt/ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..02a3cf9376b6fee56b319c8843d52110e5f35a2a --- /dev/null +++ b/chunks/txt/ed32ba950b40dd8ef5392990fca66c6f78336389e52d64246c3b40d19c0d49e5.txt @@ -0,0 +1,111 @@ + + + + + + + + + +sam@omegare.biz + + + + + + + + 1225551717 + + + + + + +Samuel + Green + + + + + + + + +Selling + + + + +RealEstateAgent + + + + + + +UCD v2.0 Implementation Guide + +- 145 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 118. XML Snippet – Example of Conditional PARTY Data. + + + + + + + + + +Omega Real Estate Broker, Inc. + + + + + +
+ +788 Local Lane + Mailing + Sometown + 12345 + ST + +
+ + + + + + +Selling + + + + +RealEstateAgent + + + + + + + + + + + + + + + +Jean + Logan + + + + +
+ +549 Main Street + Mailing + Anytown + +UCD v2.0 Implementation Guide + +- 141 - diff --git a/chunks/txt/f45982f2917b970bce7977cf287f166346718500b3ea47528199771da42d76a3.txt b/chunks/txt/f45982f2917b970bce7977cf287f166346718500b3ea47528199771da42d76a3.txt new file mode 100644 index 0000000000000000000000000000000000000000..38eb0bcdffa15f5f6e6bb77af751b01960b4370c --- /dev/null +++ b/chunks/txt/f45982f2917b970bce7977cf287f166346718500b3ea47528199771da42d76a3.txt @@ -0,0 +1,155 @@ +CR + +CR + +CR + +CR + +CR + +CR + +This field must be populated if field 1-32 +(Appraisal Purpose Type = 'Purchase') is +indicated. + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 33 of 211 + +Document Version 1.4 + +46 + +47 + +48 + +49 + +50 + +51 + +52 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +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 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +43 + +CONTRACT + +Explain the results of the +analysis of the contract +for sale or why the +analysis was not +performed. + +Sales Contract +Review Comment + +A free-form text field describing the +sales contract. + +/VALUATION_RESPONSE/PROPERTY/SAL +ES_CONTRACT/@_ReviewComment + +4000 + +String + +44 + +CONTRACT + +Contract Price $ + +Sales Contract +Amount + +The amount of money the contract is +for. + +/VALUATION_RESPONSE/PROPERTY/SAL +ES_CONTRACT/@_Amount + +9 + +Money + +UAD Requirement - Refer to Appendix D Contract Section + +Explain the results of the analysis of the contract for sale or why the analysis +was not performed. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field must be populated if field 1-32 +(Appraisal Purpose Type = 'Purchase') is +indicated. + +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 Contract Section +Whole dollars only. +UAD Requirement - Refer to Appendix D Contract Section diff --git a/chunks/txt/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.txt b/chunks/txt/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..0678cf13a10f17e519c5874bea1e9f338382ea38 --- /dev/null +++ b/chunks/txt/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.txt @@ -0,0 +1,3 @@ +Year: 2024 | LoanCharacteristicsID: 2820897 | Bank: Boston | FIPSStateNumericCode: 33 | FIPSCountyCode: 017 | CoreBasedStatisticalAreaCode: 14460 | CensusTractIdentifier: 0805.00 | CensusTractMinorityRatioPercent: 11.059 | CensusTractMedFamIncomeAmount: 124693 | LocalAreaMedianIncomeAmount: 123334 | TotalMonthlyIncomeAmount: 14605 | HUDMedianIncomeAmount: 141300 | LoanAcquisitionActualUPBAmt: 396500 | LTVRatioPercent: 76 | NoteDate: 2023 | LoanAcquisitionDate: 2024 | LoanPurposeType: 6 | ProductCategoryName: 01 | MortgageType: 0 | ScheduledTotalPaymentCount: 360 | LoanAmortizationMaxTermMonths: 360 | MortgageLoanSellerInstType: 01 | BorrowerCount: 1 | BorrowerFirstTimeHomebuyer: 0 | Borrower1Race1Type: 5 | Borrower2Race1Type: 8 | Borrower1SexType: 2 | Borrower2SexType: 4 | Borrower1AgeAtApplicationYears: 45 | Borrower2AgeAtApplicationYears: 998 | PropertyUsageType: 1 | PropertyUnitCount: 1 | NoteRatePercent: 6.625 | NoteAmount: 396500 | HousingExpenseRatioPercent: 23.63 | TotalDebtExpenseRatioPercent: 30.15 | Borrower1CreditScoreValue: 4 | Borrower2CreditScoreValue: 9 | PMICoveragePercent: 0 | EmploymentBorrowerSelfEmployed: 1 | PropertyType: PT01 | IndexSourceType: 99 | MarginRatePercent: 9999 | PrepaymentPenaltyExpirationDate: 9999-12-31 | Borrower1EthnicityType: 2 | Borrower1Race2Type: 7 | Borrower1Race3Type: 7 | Borrower1Race4Type: 7 | Borrower1Race5Type: 7 | Borrower2EthnicityType: 5 | Borrower2Race2Type: 8 | Borrower2Race3Type: 8 | Borrower2Race4Type: 8 | Borrower2Race5Type: 8 | HOEPALoanStatusType: 2 | LienPriorityType: 1 +Year: 2024 | LoanCharacteristicsID: 2820898 | Bank: Boston | FIPSStateNumericCode: 23 | FIPSCountyCode: 031 | CoreBasedStatisticalAreaCode: 38860 | CensusTractIdentifier: 0240.02 | CensusTractMinorityRatioPercent: 6.084 | CensusTractMedFamIncomeAmount: 96420 | LocalAreaMedianIncomeAmount: 95979 | TotalMonthlyIncomeAmount: 8398 | HUDMedianIncomeAmount: 108500 | LoanAcquisitionActualUPBAmt: 324900 | LTVRatioPercent: 95 | NoteDate: 2023 | LoanAcquisitionDate: 2024 | LoanPurposeType: 1 | ProductCategoryName: 01 | MortgageType: 0 | ScheduledTotalPaymentCount: 360 | LoanAmortizationMaxTermMonths: 360 | MortgageLoanSellerInstType: 01 | BorrowerCount: 1 | BorrowerFirstTimeHomebuyer: 1 | Borrower1Race1Type: 5 | Borrower2Race1Type: 8 | Borrower1SexType: 1 | Borrower2SexType: 4 | Borrower1AgeAtApplicationYears: 29 | Borrower2AgeAtApplicationYears: 998 | PropertyUsageType: 1 | PropertyUnitCount: 1 | NoteRatePercent: 6.75 | NoteAmount: 324900 | HousingExpenseRatioPercent: 29.74 | TotalDebtExpenseRatioPercent: 38.53 | Borrower1CreditScoreValue: 5 | Borrower2CreditScoreValue: 9 | PMICoveragePercent: 30 | EmploymentBorrowerSelfEmployed: 0 | PropertyType: PT01 | IndexSourceType: 99 | MarginRatePercent: 9999 | PrepaymentPenaltyExpirationDate: 9999-12-31 | Borrower1EthnicityType: 2 | Borrower1Race2Type: 7 | Borrower1Race3Type: 7 | Borrower1Race4Type: 7 | Borrower1Race5Type: 7 | Borrower2EthnicityType: 5 | Borrower2Race2Type: 8 | Borrower2Race3Type: 8 | Borrower2Race4Type: 8 | Borrower2Race5Type: 8 | HOEPALoanStatusType: 2 | LienPriorityType: 1 +Year: 2024 | LoanCharacteristicsID: 2820899 | Bank: Boston | FIPSStateNumericCode: 23 | FIPSCountyCode: 007 | CoreBasedStatisticalAreaCode: 99999 | CensusTractIdentifier: 9706.01 | CensusTractMinorityRatioPercent: 4.842 | CensusTractMedFamIncomeAmount: 73583 | LocalAreaMedianIncomeAmount: 70228 | TotalMonthlyIncomeAmount: 14099 | HUDMedianIncomeAmount: 80600 | LoanAcquisitionActualUPBAmt: 282085 | LTVRatioPercent: 64 | NoteDate: 2023 | LoanAcquisitionDate: 2024 | LoanPurposeType: 1 | ProductCategoryName: 01 | MortgageType: 0 | ScheduledTotalPaymentCount: 360 | LoanAmortizationMaxTermMonths: 360 | MortgageLoanSellerInstType: 01 | BorrowerCount: 1 | BorrowerFirstTimeHomebuyer: 0 | Borrower1Race1Type: 6 | Borrower2Race1Type: 8 | Borrower1SexType: 3 | Borrower2SexType: 4 | Borrower1AgeAtApplicationYears: 47 | Borrower2AgeAtApplicationYears: 998 | PropertyUsageType: 2 | PropertyUnitC diff --git a/chunks/txt/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.txt b/chunks/txt/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.txt new file mode 100644 index 0000000000000000000000000000000000000000..91d3eb31505ee6cbacd49e502221a6586cf77af1 --- /dev/null +++ b/chunks/txt/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.txt @@ -0,0 +1,65 @@ +• Clients, including lenders, AMCs, and other parties ([Role]/[Role] subsection) +• Appraiser and supervisory appraiser, if applicable (Appraiser/Supervisory Appraiser subsection) + +Every contact has one or more roles (PartyRoleType). PartyRoleType determines which of the subsections the contact appears in. + +Page 22 + +[Role]/[Role] + +This portion of Contact Information shows details about the lender, client, and/or AMC. It repeats for each lender, client, and/or AMC on the report +(each instance of PARTY). + +A PARTY can have more than one PartyRoleType, which impacts the report display and the XML creation. This table provides some typical examples. + +Example + +Occurrences of PartyRoleType in XML + +[Role]/[Role] - Examples + +How to Display +Subheading +(04.048 /04.049) + +Reference in This Chapter + +The lender is the +client + +− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client” +− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Lender” + +Client/Lender + +Clients + +Page 23 + +[Role]/[Role] - Examples + +Example + +Occurrences of PartyRoleType in XML + +The AMC is the client + +− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client” +− PartyRoleType (UID: 2400.0365, FID: 04.049) = + +Another entity - +Attorney +Another entity - +Investor + +Another entity - +Client + +“ManagementCompany” + +− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client” +− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Attorney” +− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client” +− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Investor” +− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client” +− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Other” diff --git a/chunks/txt/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.txt b/chunks/txt/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..a6141603fd12795bb97d927072a3c1172db2944b --- /dev/null +++ b/chunks/txt/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.txt @@ -0,0 +1,88 @@ +Highest and Best Use + +Is the present use of the subject … + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 13 of 22 +Page 13 of 22 + +Market + +Market Area Boundary Route 7 to the north, Route 611 to the east, and Route 50 to the south and west. + +Search Criteria Description Limiting factors of the market search include leasehold, a Lot Size between 7,500 and 21,780 square feet, with a +property containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 +bedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +15 +95 +$599,900 +$810,000 +$875,000 +3 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph + +Price Trend Source + +34 +$599,900 +$810,000 +$949,999 +No +Absorption Rate +Median Days on Market +Price Trend +XYZ Housing Data + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time + +3 to 6 months + +Sales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on +Market for the settled sales were predominately in the 80-100 days range. Days on Market of current listings is trending higher than recent +sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3-4 sales per month with a 4-5-month supply. diff --git a/chunks/txt/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.txt b/chunks/txt/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.txt new file mode 100644 index 0000000000000000000000000000000000000000..31d98302967f187d0625c4597b15599378c0efd5 --- /dev/null +++ b/chunks/txt/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.txt @@ -0,0 +1,73 @@ +4000 + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='PhysicalDeficiency' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='PhysicalDeficiency' and @_ExistsIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='PhysicalDeficiency']/@_Comment + +4000 + +String + +This field should contain a description of physical deficiencies or adverse conditions +that affect the livability, soundness, or structural integrity of the property. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='ConformsToNeighborhood' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='ConformsToNeighborhood' and @_ExistsIndicator='N'] diff --git a/chunks/txt/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.txt b/chunks/txt/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.txt new file mode 100644 index 0000000000000000000000000000000000000000..6fffdff45bf14b897047ccff556ac0301daedd94 --- /dev/null +++ b/chunks/txt/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.txt @@ -0,0 +1,50 @@ +4. Sensitive Information + +The purpose of this metadata tag in the V3.0 Reference Model was to enable business +partners to identify data points as sensitive within their particular implementation of +the Standard. However, it is not being used and has been removed from subsequent +versions. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 60 of 76 + +Section VI. V3.0 Reference Model Features Not Used in ULDDS + +Business partners can classify a data point as sensitive by appending the word +“Sensitive” to the MISMO data type. For example, “MISMOString” can be +implemented as “MISMOStringSensitive.” + +5. URN + +In the same way as for any enumeration--see Section IV- + +4. Enumeration: -- URN Suffix--a “URN” column is included in the LDD for every +data point. The URN is simply the MISMO Name Space in URN Form, followed by a +colon, then the term name, all without spaces. This is another representation of the +data point. Business partners usually don’t need to refer to the “URN” column. + +Example VI-1. MISMO LDD Data Point URN Suffix. + +Data Point: AttachmentType +Definition: Specifies the type of physical attachment, if any, between the dwelling + +unit and adjacent dwelling units. + +Enumerations: + Attached + Detached + SemiDetached + +Enumeration URN Suffixes: + +urn:org:MISMO:residential:2009:LDD:AttachmentType:Attached + +Type: AttachmentTypeEnumerated +Data Point URN Suffix: + +urn:org:MISMO:residential:2009:LDD:AttachmentType + +Notes: The URN Suffix is another way of identifying the data point. This is formed diff --git a/chunks/txt/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.txt b/chunks/txt/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ebce5c5561bec50759b6f10333c7497823ceacd --- /dev/null +++ b/chunks/txt/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.txt @@ -0,0 +1,46 @@ +Apparent Defects, Damages, Deficiencies + +The Apparent Defects, Damages, Deficiencies subsection displays when at least one defect, damage or deficiency is indicated in the report. +All defects, damages, and deficiencies for the appraisal are redisplayed in the Reconciliation section, along with cost to repair, if applicable. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 26 - 3 + +Page 353 + +Estimated Cost to Repair + +• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “itemized” (Figure 26 - 4) + +o Display the column Estimated Cost to Repair and the Total Cost DefectCostToRepairTotalAmount (UID: 3900.0002, FID: 26.070) + +▪ Calculated: The sum of all occurrences of DefectItemEstimatedCostToRepairAmount +▪ Right-justify label Total Cost and the amount + +• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “TotalCost” (Figure 26 - 5) + +o Display the label Total Estimated Cost of Items Recommended for Repair and DefectCostToRepairTotalAmount (UID: 3900.0002, + +FID: 26.072) below the table. + +o Do not display the column Estimated Cost to Repair and Total Cost amount. + +Appendix B-1: URAR Implementation Guide v1.3 + +• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “None” (Figure 26 - 6) + +o Do not display the column Estimated Cost to Repair and Total Cost amount or the label Total Estimated Cost of Items + +Page 354 + +Recommended for Repair. + +When one or more of the following indicators are “true”: + +• SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) +• DwellingExteriorDefectsExistIndicator (UID: 3900.0097, FID: 8.055) +• UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055) +• OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019) +• VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) +• SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005) diff --git a/chunks/txt/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.txt b/chunks/txt/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.txt new file mode 100644 index 0000000000000000000000000000000000000000..0059e1116f23375b23b72f02be62e21620b8d877 --- /dev/null +++ b/chunks/txt/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.txt @@ -0,0 +1,173 @@ +30' + +1 +2 + +' + +Non-continuous finished + +' + +2 +1 + +30' + +30' + +38' + +Bedroom + +Bedroom + +' + +7 +1 + +Utility + +1 +6 + +' + +' + +5 +1 + +8' + +m +o +o +R +n +u +S + +8' + +Bath + +Staircase + +B1 + +Family +Room + +' + +0 +1 + +Wet Bar + +30' + +4' + +1 +1 + +' + +4' + +1 +5 + +' + +Living Area +Non-continuous finished + +L1 + +B1 + +Total Living Area (Rounded): +Non-living Area +3 Car Attached + +Area Calculations Summary + +Calculation Details + +360 Sq ft + +1552 Sq ft + +1552 Sq ft + +3464 Sq ft + +626 Sq ft + +30 × 12 = 360 + +15 × 8 = 120 +42 × 30 = 1260 +8 × 16 = 128 +44 +4 × 11 = + +4 × 16 = +64 +4 × 27 = 108 +30 × 42 = 1260 +15 × 8 = 120 + +10 +10 × 1 = +4 × 4 +16 += +20 × 30 = 600 + +Sketch Commentary + +TOTAL Sketch software by a la mode, inc. 1-800-alamode + +As represented in the area breakdown section, there is 1552 sq ft in the below grade area (walkout basement), of which 320 sq ft is a utility +room that is not considered finished area even though the sketch might suggest that. The area breakdown section is correct and accurate. The +sketch also represents 360 sq ft of a family room/bonus room above the garage that is noncontinuous with the rest of the home but has its +own entrance and is finished and usable. + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 6 of 24 +Page 6 of 24 + +Dwelling Exterior + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +1 +Ranch +1-2 Ft. +2018 +Site Built +None + +This is where the Dwelling Front photo would display. + +Quality and Condition + +Exterior Quality Rating + +Q3 + +Exterior Condition Rating diff --git a/chunks/txt/f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21.txt b/chunks/txt/f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21.txt new file mode 100644 index 0000000000000000000000000000000000000000..40dbb6c51585d604867909c892453158f9d6b547 --- /dev/null +++ b/chunks/txt/f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21.txt @@ -0,0 +1,81 @@ + + +75.00 + +Buyer + + + + +125.00 + Seller + + + + + + + + + +… + + +UCD v2.0 Implementation Guide + +- 89 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +M. FEE ITEM DATA + +The set of child containers under FEE_INFORMATION used in the XML file hold both the detailed information for each fee +item reported on the CD (FEE) and the resulting totals and percentages summarizing those fees (FEE_SUMMARY). + +Table 44. XML File Container Structure for Fee Item Data. + +Container Name + +UCD Usage Notes + +FEE_INFORMATION + +Holds containers categorizing sets of fee data points. + +UCD UID + +999.165 + +999.166 + +999.167 + +999.168 + +FEES + +FEE + +FEE_DETAIL + +999.700/999.701 + +EXTENSION/OTHER + +MISMO construct-plural of singular child container FEE. Holds all instances +and enables multiple sequential occurrences of FEE. + +Holds all containers with data points making up a fee line item. + +Holds all data points making up the fee line item description (excludes payor +data points). + +MISMO construct introducing a proprietary addition to the MISMO version on +which UCD is built. Using these 2 introductory child containers signals to the +receiving application reading the file that what follows is in a non-MISMO +namespace (set of defined containers and data points). See Appendix C. UCD +v2.0 EXTENSIONS. diff --git a/chunks/txt/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.txt b/chunks/txt/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.txt new file mode 100644 index 0000000000000000000000000000000000000000..2de3b4485e45ee36507421b13f31c925c014fb0b --- /dev/null +++ b/chunks/txt/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.txt @@ -0,0 +1,177 @@ +1 + +10 + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only +one of fields 1-50, 1-51 (values of Sales +Concession Indicator) must be indicated. + +Money + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section +Whole dollars only. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +If field 1-50 is indicated, and e-4 has a value +of 'N', then this field is required. + +UAD Requirement - Refer to Appendix D Contract Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if field 1-50 is +indicated. + +57 + +58 + +59 + +60 + +61 + +62 + +63 + +64 + +65 + +66 + +67 + +68 + +69 + +70 + +71 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +52b + +CONTRACT + +If Yes, report the total dollar amount +and describe the items to be paid. + +Sales Concession +Description + +A free-form text field used to describe +sales concessions granted by an interested +party. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess +ionDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. Separate with a semicolon. + +This field is required if field 1-50 is +indicated. + +UAD Requirement - Refer to Appendix D Contract Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +53 + +54 + +55 + +56 + +57 + +58 + +59 + +60 + +61 + +62 + +63 + +64 + +65 + +66 + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +Location +Urban + +Location +Suburban + +Location +Rural + +Built-Up +Over 75% + +Built-Up +25-75% diff --git a/chunks/txt/f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849.txt b/chunks/txt/f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b12420deb86951499c0f268ac368c3d931f9a13 --- /dev/null +++ b/chunks/txt/f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849.txt @@ -0,0 +1,102 @@ +Physical +Virtual +No Inspection + +Interior Inspection Method: The method by which the interior inspection was +conducted by the appraiser or supervisory appraiser. +• +• +• + +Physical +Virtual +No Inspection + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 18 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Assignment Information + +Report +Field ID + +04.017 +04.032 + +Assignment Information: Contact Information – Scope of Inspection for Subject Property + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Inspection Date Always required for + +mm/dd/yyyy + +Date that the subject property inspection was completed. + +the appraiser and +supervisory appraiser +for any physical or +virtual inspection that +was performed. + +Note: If both Exterior Inspection Method and Interior Inspection Method are No +Inspection, Inspection Date is not applicable and does not display. + +Appraiser and Supervisory Appraiser Credentials + +Credential information from the state in which the property is located must be provided for the appraiser and +supervisory appraiser. + +Assignment Information: Contact Information - Appraiser and / or Supervisory Appraiser Credentials + +Report +Field ID + +04.018 +04.033 + +Report Label + +When to Include + +Level + +Required for the +appraiser and +supervisory appraiser + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Credential Type +• + +None (includes noncredentialled appraiser trainees or jurisdictions that +don’t provide credentials to appraiser trainees) +Certified General +Certified Residential +Licensed Residential +Trainee Appraiser (appraiser trainees with an issued credential, also +referred to as Registered Trainee) +Other (Describe) diff --git a/chunks/txt/f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47.txt b/chunks/txt/f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47.txt new file mode 100644 index 0000000000000000000000000000000000000000..e00146135c9bb18d831905439d8fa9fca06c323b --- /dev/null +++ b/chunks/txt/f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47.txt @@ -0,0 +1,86 @@ +3.3 Product + +5/3 Adjustable Rate + +3.4 Loan Type  Conventional  FHA + + VA _______________ + +3.5 Loan ID# 123456789 + +3.6 MIC # + +000654321 + +Figure 14. Loan Information Section + +3. 1 LOAN TERM + +The Loan Term can be fixed, extendible, or express the periods of a construction loan. These characteristics +determine the data points to be used. + +1. FI XED LOAN TERM + +If the Purpose of a fixed rate loan is for a Purchase, Refinance, or Closed-end Home Equity Loan, and the term of +the loan can never be extended, then the fully amortizing loan period is used. Error! Reference source not +found. shows Loan Term in years. Loan Term also can be expressed in years and months, or simply months if the +term is less than two years. As shown in the table below, the underlying data points supporting this value are +always captured in months. + +Appendix E: UCD Implementation Guide + +Page 45 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3.0 Loan Information + +Table 27. Fixed Loan Term + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +3.1 + +Loan Term + +…/LOAN/MATURIT +Y/MATURITY_RULE + +LoanMaturityPerio +dCount + +360 + +LoanMaturityPerio +dType + +Month + +ROF as “30 Years” + +These two data +points must be +used together + +2. EXTENDI BLE L OAN TERM + +If the loan term can be extended in lieu of an interest rate increase, then the term to maturity is extendible. +Since the loan term is not known with certainty at consummation, the possible range of the loan term, including +the maximum number of years possible under the terms of the legal obligation, is disclosed: + +3.0 Loan Information diff --git a/chunks/txt/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.txt b/chunks/txt/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..779273d3cf6208aa9bc2284c3a034424fd497ced --- /dev/null +++ b/chunks/txt/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.txt @@ -0,0 +1,35 @@ +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + +##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + +Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + +[Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + +##### Frequently Asked Questions + +Provides answers to common questions about the UAD 3.6 and Forms Redesign. + +[Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + +##### Limited Production Period Overview + +Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + +##### Limited Production Period Lender Readiness Questionnaire + +Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + +##### Combined Sample Scenarios + +Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + +##### Condition and Quality Rating Definitions PDF + +PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. diff --git a/chunks/txt/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.txt b/chunks/txt/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.txt new file mode 100644 index 0000000000000000000000000000000000000000..67cd97472a5a95b74dde7e7c5fd4b1816cb70d97 --- /dev/null +++ b/chunks/txt/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.txt @@ -0,0 +1,19 @@ +- [UCD v1.5 Specification](https://singlefamily.fanniemae.com/media/document/xlsm/appendix-i-ucd-delivery-specification-v15-xlsm) +- [UCD v1.5 Implementation Guide](https://singlefamily.fanniemae.com/media/document/pdf/appendix-e-ucd-implementation-guide-v14) +- [UCD v1.5 Critical Edits Matrix](/media/document/xlsx/uniform-closing-dataset-critical-edits-matrix) **(Updated Dec. 15)** +- [UCD v1.5 Sample CDs](/media/document/zip/appendix-f-ucd-sample-use-cases-zip) +- [UCD v1.5 Sample XML Files](https://singlefamily.fanniemae.com/media/document/zip/appendix-g-ucd-sample-xml-files-zip) +- [UCD v1.5 Specification Update Impact Memo | Dec. 20, 2022](https://singlefamily.fanniemae.com/media/document/pdf/ucd-specification-update-impact-memo) + +Uniform Collateral Data Portal (UCDP) + +##### Direct Integration Supporting Resources + +- [UCDP Technical Integration Guide for UAD 3.6](/media/document/pdf/ucdp-technical-integration-guide-uad-36) +- [UCDP Technical Integration Guide for UAD 2.6](/media/document/pdf/ucdp-technical-integration-guide-uad-26) + +##### Submission Summary Report (SSR) Resources + +- [SSR JSON Data Dictionary](/media/document/xlsx/ssr-json-data-dictionary) - Contains information about the data elements in the JSON and PDF versions of the SSR. Users of the JSON version of the SSR can use this as a supplement to the SSR Guide for UAD 3.6 as it provides more technical information (i.e., data element name, conditionality, data type, etc.). +- [SSR JSON Schema v 1.0](/media/document/zip/ssr-json-schema) - Contains the JSON Schema for the UAD 3.6 SSR that can be used to describe and validate the structure and content of the SSR JSON data. +- [SSR Guide for UAD 3.6](/media/document/pdf/ssr-guide-uad-36) diff --git a/chunks/txt/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.txt b/chunks/txt/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.txt new file mode 100644 index 0000000000000000000000000000000000000000..4147d6b9499d4a162fe9495f96a722b3073b091f --- /dev/null +++ b/chunks/txt/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.txt @@ -0,0 +1,91 @@ +The property includes two existing outbuildings and private waterfront access. + +Key Characteristics + +• + +Parties associated with this transaction: + +o Lender (Client) +o Appraiser +o Supervisory Appraiser + +• + +Subject Property + +o Special tax assessment +o Mineral rights not included + +• + +Site + +o Noncontiguous parcels separated by road +o No zoning +o Non-residential property use (agricultural) +o Apparent environmental condition (landfill) +o Property restriction (land use) due to overhead electric power transmission lines +o Private waterfront access with a permanent waterfront feature (dock) +o Utilities include private water and sewer + +• Dwelling Exterior + +o Construction Method: Manufactured Home + +• Manufactured Home + +o Includes Invoice Information subsection + +• + +• + +Two outbuildings +o Barn +o Rec Room/Garage + +Approaches to Value + +o Sales Comparison Approach +o Cost Approach + +• Defects, Damages, Deficiencies – one on the barn with no recommended action + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +123 ANYWHERE ST, SOME CITY, VA 20141 + +SUMMARY + +Opinion of Market Value + +$445,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +09/25/2019 +Refinance +Harry James +Jennifer James + +Current Owner of Public Record Harry James + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Annie Appraiser diff --git a/chunks/txt/f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090.txt b/chunks/txt/f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed97d539c095cf1413af30cc23dea272095b97dd --- /dev/null +++ b/chunks/txt/f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090.txt @@ -0,0 +1 @@ +--- diff --git a/chunks/txt/f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd.txt b/chunks/txt/f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd.txt new file mode 100644 index 0000000000000000000000000000000000000000..473e244142b6132fa0e1e58ed3e753ffb304c365 --- /dev/null +++ b/chunks/txt/f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/" +date_accessed: "2026-01-27T17:50:58.621Z" +--- + +> *[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) diff --git a/chunks/txt/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.txt b/chunks/txt/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.txt new file mode 100644 index 0000000000000000000000000000000000000000..58d6228a207912f6fee3faf704792225f711b8f4 --- /dev/null +++ b/chunks/txt/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.txt @@ -0,0 +1,61 @@ +Income Source from Report + +Retirement of duplicate messages +Two messages which appear in the Assets section of the DU findings, but which are duplicated by other DU validation service +messages will be retired. +Messages to be Retired + +Duplicated by Existing Messages + +Message ID Message Text + +Message ID Message Text + +2847 + +Information on the borrower(s) accounts was not +received from the following vendor(s). Confirm that +the Report ID and borrower Social Security Number +entered on the online loan application match those +on the vendor report. + +3303 + +Borrower | Vendor | Report ID + +DU did not receive report data from the vendor(s) +shown below. + +Borrower | Vendor and Rep Type | Rep ID | Reason + +3209 + +This loan casefile received an asset report that was +not used for the following reason(s). + +3301 + +DU did not use data received from the vendor report(s) +shown below for the reason provided. + +Borrower | Vendor | Reference # | Reason + +Borrower | Vendor and Rep Type | Rep ID | Rep Date | +Reason + +© 2021 Fannie Mae. Trademarks of Fannie Mae. + +2.22.21 + +2 of 3 + +For more information +For more information about these Release Notes, lenders may contact their Fannie Mae Customer Management Solution Team, +and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration +Impact Memo will be posted on the Technology Integration page. + +© 2021 Fannie Mae. Trademarks of Fannie Mae. + +2.22.21 + +3 of 3 diff --git a/chunks/txt/f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355.txt b/chunks/txt/f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355.txt new file mode 100644 index 0000000000000000000000000000000000000000..38f73a676a204d7211ae128ef596a012905dd281 --- /dev/null +++ b/chunks/txt/f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355.txt @@ -0,0 +1,210 @@ +List Price + +Listing Status + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Site + +Site Size + +Neighborhood Name + +View | Range + +Dwelling(s) + +Year Built + +Heating + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Condition + +Interior Quality and Condition + +Quality + +Condition + +Q4 + +C3 + +Q4 + +C3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Q4 + +C3 + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Vehicle Storage + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Deck + +— + +$2,000 + +Deck + +Deck | Portico + +$(2,500) + +Type | Spaces | Detail + +Driveway | 3 | Concrete + +Driveway | 3 | Concrete + +Driveway | 3 | Concrete + +$(5,000) + +Driveway | 3 | Concrete +Garage | 1 | Detached + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 11 of 19 +Page 11 of 19 + +Sales Comparison Approach (continued) + +Property Address + +213 Tree Stand Rd +Anytown, MD 09992 + +318 Pine Crest Rd +Anytown, MD 09992 + +231 Beech Tree St +Anytown, MD 09992 + +431 Holly Ave +Anytown, MD 09992 + +Subject Property + +Comparable # 1 + +Comparable #2 + +Comparable #3 + +Summary + +List Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +— + +$339,900 + +$335,000 + +$13,000 + +$279 + +$348,000 + +Less + +$350,000 + +$350,000 + +$0 + +$278 + +$350,000 + +Less diff --git a/chunks/txt/f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e.txt b/chunks/txt/f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e.txt new file mode 100644 index 0000000000000000000000000000000000000000..3387c8a1ca49c21594a92c8f8d2bc59822fbfe48 --- /dev/null +++ b/chunks/txt/f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e.txt @@ -0,0 +1,184 @@ +Corner Unit 10.019 + +Yes +22.07.23 + +Number + +Yes +22.07.25 + +The number of levels in the living unit. +Note: This does not represent the number of floors in the building. + +Report +Field ID + +22.07.04 +22.07.22 + +22.07.05 +22.07.24 + +22.07.06 +22.07.26 + +Corner Unit + +If relevant + +Levels in Unit + +If relevant + +Required when +Structure Design is +Low-rise, Mid-rise, or +High-rise, and the row +is included in the sales +comparison grid + +Required when the +row is included in the +sales comparison grid + +Bedrooms + +Always + +Always required + +Number + +22.07.07 +22.07.28 + +Baths – Full | +Half + +22.07.07 +22.07.28 + +Baths – Full | +Half + +Always + +Always required + +Number + +Always + +Always required + +Number + +22.07.08 +22.07.30 + +Finished Area +Above Grade + +Always + +Always required + +Number of square +feet + +22.07.09 +22.07.32 + +Finished Area +Above Grade +(Nonstandard) + +If relevant + +Required when the +row is included in the +sales comparison grid + +Number of square +feet + +Unit Interior +• + +Levels in Unit +10.017 + +Unit Interior +• + +Total Bedrooms +10.023 + +Unit Interior +• + +Total Bathrooms - +Full 10.024 + +Unit Interior +• + +Total Bathrooms - +Half 10.025 + +Unit Interior +• + +Above Grade +Finished Area +10.003 + +Unit Interior +• + +Above Grade +Finished Area +(Nonstandard) +10.004 + +Yes +22.07.27 + +Yes +22.07.29 + +Yes +22.07.29 + +Yes +22.07.31 + +Yes +22.07.33 + +Notes: +• +• + +• + +• + +Notes: +• +• + +Can be 0. +Noncontinuous finished area is reported in the Dwelling(s) +subsection (22.05.05-22.05.27) and not here. +If the exact area is not known for the comparable, indicate that it is +estimated in Reconciliation of Sales Comparison Approach +(22.16.01). + +Can be 0. +Noncontinuous finished area is reported in the Dwelling(s) +subsection (22.05.05-22.05.27) and not here. +If the exact area is not known for the comparable, indicate that it is +estimated in Reconciliation of Sales Comparison Approach +(22.16.01). diff --git a/chunks/txt/f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3.txt b/chunks/txt/f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..fab134b7100444ab4873fffe280737d3adef41a4 --- /dev/null +++ b/chunks/txt/f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3.txt @@ -0,0 +1,199 @@ +Residential | Full + +2014 + +2015 + +Gross Building Finished Area + +5,282 Sq. Ft. + +5,500 Sq. Ft. + +$0 + +$0 + +2009 + +$20,000 + +2014 + +5,700 Sq. Ft. + +$0 + +4,900 Sq. Ft. + +$0 + +Heating + +Unit(s) + +Forced Warm Air | Electric + +Forced Warm Air + +Forced Warm Air + +Forced Warm Air + +Structure ID | Unit ID + +Building 1 | Unit A + +Building 1 | Unit A + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,300 Sq. Ft. + +$(9,900) + +1,350 Sq. Ft. + +$(14,400) + +1,150 Sq. Ft. + +$3,600 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Structure ID | Unit ID + +Building 1 | Unit B + +Building 1 | Unit B + +Building 1 | Unit 2 + +Building 1 | Unit 2 + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,300 Sq. Ft. + +$(9,900) + +1,350 Sq. Ft. + +$(14,400) + +1,150 Sq. Ft. + +$3,600 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Structure ID | Unit ID + +Building 1 | Unit C + +Building 1 | Unit C + +Building 1 | Unit 3 + +Building 1 | Unit 3 + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,300 Sq. Ft. + +$(9,900) + +1,350 Sq. Ft. + +$(14,400) + +1,150 Sq. Ft. diff --git a/chunks/txt/f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec.txt b/chunks/txt/f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec.txt new file mode 100644 index 0000000000000000000000000000000000000000..90c31c905f8ae26602bee91edfde52ad7425de58 --- /dev/null +++ b/chunks/txt/f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec.txt @@ -0,0 +1,139 @@ +Carport | 2 | Attached +Driveway | 6 | Gravel + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +Outbuilding Type + +— + +— + +Shed + +$0 + +— + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 17 of 29 +Page 17 of 29 + +Sales Comparison Approach (continued) + +Property Address + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Adjusted Price Per Unit + +Adjusted Price Per Bedroom + +Price Per Gross Building +Finished Area + +Adjusted Price + +Comparable Weight + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +12345 Holiday Hwy +Surfside, HI 12345 + +13-222 N Trail Loop +Surfside, HI 12345 + +25-1837 Highmountain Pl +Surfside, HI 12345 + +22-1713 Broad Ave +Surfside, HI 12345 + +$160,000 + +$160,000 + +$279,000 + +— + +$279,000 + +$(84,200) + +$94,900 + +$47,450 + +$100 + +$194,800 + +Less + +$210,000 + +— + +$200,500 + +$(4,600) + +$95,450 + +$38,180 + +$156 + +$195,900 + +Most + +$257,500 + +— + +$249,750 + +$(50,500) + +$101,000 + +$50,500 + +$172 + +$199,250 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$195,000 + +Reconciliation of Sales Comparison Approach + +Comparables #1 and 2 are similar in function and utility as they are both two unit, two building properties and adjust towards the lower end +of the range. Hazard zone adjustment is based on market adjustment for differences between location in USGS Lava Flow Zones 2 and 3. +Ranges for price per unit and bedroom count are supportive of the value estimate. Comparable #2 has the least gross adjustments in the sales +comparison approach, is the most similar in style, quality and condition, and is given most weight. diff --git a/chunks/txt/f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516.txt b/chunks/txt/f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516.txt new file mode 100644 index 0000000000000000000000000000000000000000..c723ae27a84c2cd62a077a1dba014a56335fea8a --- /dev/null +++ b/chunks/txt/f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516.txt @@ -0,0 +1,169 @@ +ExteriorWallsAndTrim + +PouredConcrete + +Basement + +TypicalWearAndTear + +Foundation + +OneToTenYears + +true + +Slate + +Minimal wear and tear with limited physical depreciation. + +TypicalWearAndTear + +Slate shingles are typically considered to be an upper end material for this type of structure. + +Roof + +Minimal wear and tear with limited physical depreciation. + +TypicalWearAndTear + +Semi-custom + +Windows + +Mostly double hung windows - some palladian and transom windows noted. + +C3 + +Q3 + +TwoToThreeFeet + +1 + +false + +true + +false + +The subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear and tear. + +Centralized + +NaturalGas + +ForcedWarmAir + +WaterHeater + +true + +PropertyPhoto + +\\Images\SF2_DwellingExterior.png + +image/png + +PropertyAccess + +\\Images\SF2_PropertyAccess.png + +image/png + +DwellingFront + +\\Images\SF2_DwellingExterior.png + +image/png + +SubjectPropertyImprovementSketch + +\\Images\SF2_Sketch.png + +image/png + +SalesComparableMap + +\\Images\SF2_SCACompMap.png + +image/png + +View + +\\Images\SF2_PropertyAccess.png + +image/png + +Plat Map + +PropertyBoundaries + +\\Images\SF2_PropertyBoundary.png + +image/png + +PriceTrendGraph + +\\Images\SF2_PriceTrend.png + +image/png + +Project Pool + +ProjectAmenity + +\\Images\SF2_ProjectPool.png + +image/png + +2019-08-07 + +Physical + +Physical + +45 + +true + +15 + +1350000 + +1350000 + +2019-02-16 + +FQ999956 + +2019-02-01 + +OffMarket + +MLS + +30 + +875000 + +875000 + +2019-04-15 + +FQ999999 + +2019-03-15 + +Pending + +MLS + +25.165173 + +-51.328125 + +The subject is bounded on the northwest by Falling Road, east by I270 and south by Montour Road. + +12 + +Attached properties with an Above Grade Finished Area ranging from 1,900 to 4,000 Sq. Ft. in the described market boundary area. diff --git a/chunks/txt/f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e.txt b/chunks/txt/f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e.txt new file mode 100644 index 0000000000000000000000000000000000000000..b242f53cfc9d283e59844c73dabe0a8958cf4253 --- /dev/null +++ b/chunks/txt/f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e.txt @@ -0,0 +1,71 @@ +Alternative Property Identifier: A proprietary value used to identify parcels of +real property. + +Number of acres, +square feet, +hectares, or +square meters + +Required for each +parcel if Site Owned in +Common is No and +APN Description is +Land with Dwelling, +Land with +Improvement, or +Vacant Land + +• +• + +• + +Parcel Size: The area of the individual parcel. +• + +For area less than 1 acre, use square feet in whole numbers (e.g., 27,840 +sq. ft.). +For area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres). +If using the metric system, for area less than 1 hectare, use square meters +in whole numbers (e.g., 7,500 sq. m.). +If using the metric system, for area that is 1 hectare or more, use hectares +to 2 decimals (e.g., 1.25 hectares). + +Allowable Answer + +Land with Dwelling + +APN Description (Choose all that apply) + +Definition / Additional Guidance + +A parcel containing one or more living units. +Examples: +• +• +• + +Dwelling on a single lot +Dwelling on multiple lots with independent APNs +Site condos where the owner individually owns the lot associated with the dwelling + +Condominium Unit + +A living unit in a condominium project. For use when the property is in a condominium and Site Owned in Common (3.015) +is Yes. + +Land with Improvement + +Land with one or more structures that do not contain living units (e.g., shed, barn). For use when the additional parcel +does not contain a dwelling and has its own separate APN. + +Vacant Land + +Boat Slip + +Parking + +Storage + +Land containing no structures or dwellings. For use when the additional parcel is vacant land and has its own separate +APN. May include utilities to the site. diff --git a/chunks/txt/f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae.txt b/chunks/txt/f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..17b677254c534560d35d6d04d6b9c444290a1847 --- /dev/null +++ b/chunks/txt/f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae.txt @@ -0,0 +1,86 @@ + + +UCD v2.0 Implementation Guide + +- 47 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 35. XML Snippet - CLOSING_INFORMATION_DETAIL. + + + +… + + +UCD v2.0 Implementation Guide + +- 48 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +F. PREPAID ITEM DATA + +Items to be prepaid by the borrower before closing, including but not limited to “property taxes, insurance premiums and +other items to insure the property or satisfy real estate tax obligations,” are provided in the PREPAID_ITEMS container +structure, which groups prepaid item data by description, payee name, and payment. At least one instance of the bolded +containers in the PREPAID_ITEMS structure is required in every XML file. + +Table 28. XML File Container Structure for Prepaid Item Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +999.103 + +PREPAID_ITEMS + +Groups one or more sets of prepaid line item information. + +999.104 + +PREPAID_ITEM + +Holds child containers and data points making up a prepaid line item. At least one +and up to 25 may be delivered. + +999.105 + +PREPAID_ITEM_DETAIL + +Holds data points describing the prepaid item. + +999.110/999. +112/999.113 + +PREPAID_ITEM_PAID_TO/LEGAL +_ENTITY/LEGAL_ENTITY_DETAIL + +999.106 + +PREPAID_ITEM_PAYMENTS + +999.107 + +PREPAID_ITEM_PAYMENT + +Holds the unparsed name of the payee. + +MISMO construct. Plural of singular child container PREPAID_ITEM_PAYMENT holds +at least 1 and up to 5 sequential occurrences of PREPAID_ITEM_PAYMENT. + +Holds data points identifying the payor entity, when paid relative to closing, and +associated amount(s). Multiple instances of PREPAID_ITEM_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. diff --git a/chunks/txt/f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602.txt b/chunks/txt/f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602.txt new file mode 100644 index 0000000000000000000000000000000000000000..1418e240f1705a7c2a78abf2e7a1cd1859084396 --- /dev/null +++ b/chunks/txt/f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602.txt @@ -0,0 +1,207 @@ +R + +R + +R + +R + +R + +T + +T + +T + +R + +R + +R + +R + +R + +R + +R + +R + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 124 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +519 + +520 + +521 + +522 + +523 + +524 + +525 + +526 + +527 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +27 + +28 + +29 + +30a + +30b + +30c + +31 + +32 + +33 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Name + +Supervisor Name + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Company Name + +Supervisor +Company Name + +Name of the person who is responsible for +reviewing or supervising the work or +project. +Name of the company with which the +supervisor is associated. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_Name + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_CompanyName + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Company Address + +Supervisor Street +Address + +The street address of the supervisor. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_StreetAddress + +APPRAISER +CERTIFICATION + +APPRAISER +CERTIFICATION + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Company Address +(2nd line) +Supervisory Appraiser +Company Address +(2nd line) +Supervisory Appraiser +Company Address +(2nd line) + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Telephone Number + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Email Address + +Supervisor City + +The city in which the address of the +supervisor is located. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_City + +Supervisor State + +The state in which the address of the +supervisor is located. + +Supervisor Postal +Code + +The postal code (zip code in US) of the +address of the supervisor. Zip code may +be either 5 or 9 digits. diff --git a/chunks/txt/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.txt b/chunks/txt/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.txt new file mode 100644 index 0000000000000000000000000000000000000000..47377e8d297fa15028dddbdc5bb23b1e80fd3c8b --- /dev/null +++ b/chunks/txt/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.txt @@ -0,0 +1,175 @@ +Table 77. P&I Payment Adjusts - Balloon Feature + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +First Instance of PROJECTED_PAYMENT + +5.2.2 + +Year 1 Principal & +Interest ($) + +…/PROJECTED_PAY +MENT + +ProjectedPayment +PrincipalAndIntere +stMaximumPayme +ntAmount + +1007.35 + +ROF as “$1,007.35” + +Second Instance of PROJECTED_PAYMENT + +5.2.5 + +Year 2 Principal & +Interest ($) + +…/PROJECTED_PAY +MENT + +Third Instance of PROJECTED_PAYMENT + +5.2.6 + +Years 3-7 Principal +& Interest ($) max + +…/PROJECTED_PAY +MENT + +5.2.7 + +Years 3-7 Principal +& Interest ($) min + +ProjectedPaymentP +rincipalAndInterest +MaximumPayment +Amount + +ProjectedPaymentP +rincipalAndInterest +MaximumPayment +Amount + +ProjectedPaymentP +rincipalAndInterest +MinimumPayment +Amount + +1129.61 + +ROF as +“$1,129.61” + +1373.26 + +ROF as “$1,373 +max” + +1251.21 + +ROF as “$1251 +min” + +5.1.4 + +Final Payment + +Fourth Instance of PROJECTED_PAYMENT + +…/PROJECTED_PAY +MENT + +ProjectedPaymentC +alculationPeriodTer +mType + +Other + +Not shown – +triggers +requirement for +other data point + +Appendix E: UCD Implementation Guide + +Page 90 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +Table 77. P&I Payment Adjusts - Balloon Feature + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +5.1.4 + +Final Payment + +5.2.9 + +Final Payment +Principal & Interest +($) + +ProjectedPaymentC +alculationPeriodTer +mTypeOtherDescri +ption + +ProjectedPaymentP +rincipalAndInterest +MaximumPayment +Amount + +FinalPayment + +Notes + +ROF as “Final +Payment” + +149263.00 + +ROF as +“$149,263” + +5.1 + +N/A + +…/LOAN_DETAIL + +BalloonIndicator diff --git a/chunks/txt/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.txt b/chunks/txt/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc8d81157c00cf28649c1aefbe04e305b610191d --- /dev/null +++ b/chunks/txt/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.txt @@ -0,0 +1,115 @@ +"01" "AL" "001" "Autauga County" +"01" "AL" "003" "Baldwin County" +"01" "AL" "005" "Barbour County" +"01" "AL" "007" "Bibb County" +"01" "AL" "009" "Blount County" +"01" "AL" "011" "Bullock County" +"01" "AL" "013" "Butler County" +"01" "AL" "015" "Calhoun County" +"01" "AL" "017" "Chambers County" +"01" "AL" "019" "Cherokee County" +"01" "AL" "021" "Chilton County" +"01" "AL" "023" "Choctaw County" +"01" "AL" "025" "Clarke County" +"01" "AL" "027" "Clay County" +"01" "AL" "029" "Cleburne County" +"01" "AL" "031" "Coffee County" +"01" "AL" "033" "Colbert County" +"01" "AL" "035" "Conecuh County" +"01" "AL" "037" "Coosa County" +"01" "AL" "039" "Covington County" +"01" "AL" "041" "Crenshaw County" +"01" "AL" "043" "Cullman County" +"01" "AL" "045" "Dale County" +"01" "AL" "047" "Dallas County" +"01" "AL" "049" "DeKalb County" +"01" "AL" "051" "Elmore County" +"01" "AL" "053" "Escambia County" +"01" "AL" "055" "Etowah County" +"01" "AL" "057" "Fayette County" +"01" "AL" "059" "Franklin County" +"01" "AL" "061" "Geneva County" +"01" "AL" "063" "Greene County" +"01" "AL" "065" "Hale County" +"01" "AL" "067" "Henry County" +"01" "AL" "069" "Houston County" +"01" "AL" "071" "Jackson County" +"01" "AL" "073" "Jefferson County" +"01" "AL" "075" "Lamar County" +"01" "AL" "077" "Lauderdale County" +"01" "AL" "079" "Lawrence County" +"01" "AL" "081" "Lee County" +"01" "AL" "083" "Limestone County" +"01" "AL" "085" "Lowndes County" +"01" "AL" "087" "Macon County" +"01" "AL" "089" "Madison County" +"01" "AL" "091" "Marengo County" +"01" "AL" "093" "Marion County" +"01" "AL" "095" "Marshall County" +"01" "AL" "097" "Mobile County" +"01" "AL" "099" "Monroe County" +"01" "AL" "101" "Montgomery County" +"01" "AL" "103" "Morgan County" +"01" "AL" "105" "Perry County" +"01" "AL" "107" "Pickens County" +"01" "AL" "109" "Pike County" +"01" "AL" "111" "Randolph County" +"01" "AL" "113" "Russell County" +"01" "AL" "115" "St. Clair County" +"01" "AL" "117" "Shelby County" +"01" "AL" "119" "Sumter County" +"01" "AL" "121" "Talladega County" +"01" "AL" "123" "Tallapoosa County" +"01" "AL" "125" "Tuscaloosa County" +"01" "AL" "127" "Walker County" +"01" "AL" "129" "Washington County" +"01" "AL" "131" "Wilcox County" +"01" "AL" "133" "Winston County" +"02" "AK" "013" "Aleutians East Borough" +"02" "AK" "016" "Aleutians West Census Area" +"02" "AK" "020" "Anchorage Municipality" +"02" "AK" "050" "Bethel Census Area" +"02" "AK" "060" "Bristol Bay Borough" +"02" "AK" "063" "Chugach Census Area" +"02" "AK" "066" "Copper River Census Area" +"02" "AK" "068" "Denali Borough" +"02" "AK" "070" "Dillingham Census Area" +"02" "AK" "090" "Fairbanks North Star Borough" +"02" "AK" "100" "Haines Borough" +"02" "AK" "105" "Hoonah-Angoon Census Area" +"02" "AK" "110" "Juneau City and Borough" +"02" "AK" "122" "Kenai Peninsula Borough" +"02" "AK" "130" "Ketchikan Gateway Borough" +"02" "AK" "150" "Kodiak Island Borough" +"02" "AK" "158" "Kusilvak Census Area" +"02" "AK" "164" "Lake and Peninsula Borough" +"02" "AK" "170" "Matanuska-Susitna Borough" +"02" "AK" "180" "Nome Census Area" +"02" "AK" "185" "North Slope Borough" +"02" "AK" "188" "Northwest Arctic Borough" +"02" "AK" "195" "Petersburg Borough" +"02" "AK" "198" "Prince of Wales-Hyder Census Area" +"02" "AK" "220" "Sitka City and Borough" +"02" "AK" "230" "Skagway Municipality" +"02" "AK" "240" "Southeast Fairbanks Census Area" +"02" "AK" "275" "Wrangell City and Borough" +"02" "AK" "282" "Yakutat City and Borough" +"02" "AK" "290" "Yukon-Koyukuk Census Area" +"04" "AZ" "001" "Apache County" +"04" "AZ" "003" "Cochise County" +"04" "AZ" "005" "Coconino County" +"04" "AZ" "007" "Gila County" +"04" "AZ" "009" "Graham County" +"04" "AZ" "011" "Greenlee County" +"04" "AZ" "012" "La Paz County" +"04" "AZ" "013" "Maricopa County" +"04" "AZ" "015" "Mohave County" +"04" "AZ" "017" "Navajo County" +"04" "AZ" "019" "Pima County" +"04" "AZ" "021" "Pinal County" +"04" "AZ" "023" "Santa Cruz County" +"04" "AZ" "025" "Yavapai County" +"04" "AZ" "027" "Yuma County" +"05" "AR" "001" "Arkansas County" +"05" "AR" "003" "Ashley County" +"05" "AR diff --git a/chunks/txt/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.txt b/chunks/txt/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.txt new file mode 100644 index 0000000000000000000000000000000000000000..c86936c705955c1c7eeef46ad34c2ef5b7aba313 --- /dev/null +++ b/chunks/txt/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.txt @@ -0,0 +1,31 @@ +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - 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+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16971","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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LEGAL ENTI TY + +If the borrower is a non-individual such as a trust or company, the name is provided using the data points in +Table 21. See PARTI ES / PARTY, PARTY NAME – LEGAL_ENTITY , and PARTY RO LE TYPE in Section V. + +2.0 Transaction Information + +2.1 Borrower Jones Family Trust + +123 Anywhere Street, Unit C + +Anytown, ST 12345 + +Figure 13. Borrower Legal Entity Name + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +Table 21. Borrower Legal Entity Name + +2.1 + +Borrower + +…/PARTY/LEGAL_EN +TITY/LEGAL_ENTITY_ +DETAIL + +…/PARTY/ROLES/RO +LE/ROLE_DETAIL + +FullName + +Jones Family Trust + +PartyRoleType + +Borrower + +▪ ROF as Borrower +▪ Qualifies the data +in this PARTY +container + +Appendix E: UCD Implementation Guide + +Page 40 of 254 + +Version 1.4 + +Uniform Closing Dataset + +2.0 Transaction Information + +3. MAI LI NG ADDRESS + +The borrower mailing address illustrated in Figure 12 is provided using the data points listed in Table 22. The +AddressUnitDesignatorType and AddressUnitIdentifier must be provided only when they make up part of the +complete street address. The CountryCode must be included only if the mailing address is outside of the United +States. + +Table 22. Mailing Address + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute diff --git a/chunks/txt/f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb.txt b/chunks/txt/f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb.txt new file mode 100644 index 0000000000000000000000000000000000000000..42ce1c96bed5ae7639baebb0aa0fd6d7074068a5 --- /dev/null +++ b/chunks/txt/f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/conservatorship" +date_accessed: "2026-01-27T17:54:20.256Z" +--- + +> *[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) diff --git a/chunks/txt/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.txt b/chunks/txt/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.txt new file mode 100644 index 0000000000000000000000000000000000000000..c121212be1f5b5e4f47c4515efa35268f244cd77 --- /dev/null +++ b/chunks/txt/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.txt @@ -0,0 +1,90 @@ +Left-hand side of page + +• + +“As Is Overall Condition Rating,” sets as TXR-B, TXR + +• The following statement sets TXC-I1: “Existing condition of the property as of the effective + +date of this appraisal, excluding all required repairs, alterations, or inspections”. + +Right-hand side of page + +• + +“Total Estimated Cost of Items Recommended for Repair,” sets as TXR-B, TXR + +Starts new page. “Assignment Information” sets as TAB. + +Left-hand side of page + +• + +“Assignment Reason,” “Borrower Name,” “Seller Name” and “Current Owner of Public +Record” set as TXR-B, TXR + +Appendix E: Report Style Guide + +Page 34 of 90 + +Version 1.4 + +Right-hand side of page + +• + +• + +• + +“Property Valuation Method” set as TXR-B, TXR. + +“Yes” “No” (Y/N) followed by “Was a Property Data Report used in lieu of an Inspection?” +sets as CK1. + +“Appraiser Fee,” “AMC Fee,” “Government Agency,” “Investor Requested Special +Identification” set as TXR-B, TXR. + +Contact Information (H1) + +[Role]/[Role] (H2) + +[Role] is placeholder for content, if applicable per iGuide + +Left-hand side of page + +• + +“Company Name,” “Company Address” set as TXR-I, TXR. + +Right-hand side of page + +• + +• + +“Credentials” sets as TX-B. + +“ID,” “State,” “Expires” set as TXR-I, TXR. + +[Role: Appraiser and Supervisory Appraiser] (H2) + +Subsection repeats for each [Role] if applicable per iGuide. + +Left-hand side of page + +• + +• + +• + +• + +“Name,” “Designation,” “Company Name,” “Company Address” set as TXR-I, TXR. + +“Scope of Inspection by [Role]” sets as TX-B. + +“Subject Property Inspection,” sets as TXR-I. + +“Exterior,” Interior,” “Inspection Date” set as TXR-II, TXR. diff --git a/chunks/txt/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.txt b/chunks/txt/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.txt new file mode 100644 index 0000000000000000000000000000000000000000..428f20ef669c59436776cf1a0466dfaf2b5ad3ff --- /dev/null +++ b/chunks/txt/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.txt @@ -0,0 +1,23 @@ +In 2014 FHFA began requiring its regulated entities to conduct stress tests pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act). As amended by Section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), the Dodd-Frank Act requires certain financial companies with total consolidated assets of more than $250 billion, and which are regulated by a primary federal financial regulatory agency, to conduct periodic stress tests to determine whether the companies have sufficient capital to absorb losses and support operations during adverse economic conditions. + +### DFAST Reporting Cycles + +[2025 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2025) + +[2024 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2024) + +[2023 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2023) + +[2022 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2022) + +[2021 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2021) + +[2020 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2020) + +[2019 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2019) + +[2018 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2018) + +[2017 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2017) + +[2016 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2016) diff --git a/chunks/txt/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.txt b/chunks/txt/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.txt new file mode 100644 index 0000000000000000000000000000000000000000..679241c91001ded00fbdd546d416227a3ba4ac81 --- /dev/null +++ b/chunks/txt/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.txt @@ -0,0 +1,76 @@ +• + +If the subject is in a project and the comparable is not, the cell(s) display a dash to show that project information is not applicable for the +comparable. + +Appendix F-1: URAR Reference Guide + +Page 215 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +How Rows Display in the Sales Comparison Grid + +There are three ways that rows display in the sales comparison grid depending on characteristics of the subject and / or comparables. +• Rows that always display (e.g., Property Address, Year Built, and Attached/Detached), or +• Rows that conditionally display if applicable based on property characteristics (e.g., Project Information, Water Frontage, and ADU), or +• Rows that may display if relevant to support adjustments, analysis, and conclusions + +Examples: + +Report Label + +Row Always Displays + +Row Displays if Applicable +(Conditionally Displays) + +Row Displays if Relevant +(May Display) + +√ + +√ + +√ + +Year Built + +Quality (Interior) + +Condition (Interior) + +Hazard Zone + +Project Name | Same Project as Subject + +Townhouse End Unit + +Cooling + +When the subject or any comparable is +in a Hazard Zone + +When the subject or any comparable is +in a condo, co-op, or condop + +√ + +√ + +For a full list, including whether the row is adjustable, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in Comparable +Grids. + +General Guidance on Rows that May Display + +Some rows display on the sales comparison grid if relevant: +• To make an adjustment on a specific characteristic, or +• +• To report meaningful attributes, or +• To support conclusions, scope of work, or policy. + +In support of an overall or rollup adjustment, or diff --git a/chunks/txt/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.txt b/chunks/txt/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f0764f74f68d1ff136efa81bffc37ec4e55dc8c8 --- /dev/null +++ b/chunks/txt/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.txt @@ -0,0 +1,128 @@ +Form +Section + +128 + +129 + +130 + +1 + +1 + +1 + +122 + +SITE + +123 + +SITE + +124 + +SITE + +131 + +1 + +125 + +SITE + +132 + +1 + +126 + +SITE + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='UtilitiesAndOff +SiteImprovementsConformToNeighborhood' and +@_ExistsIndicator='Y'] + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='UtilitiesAndOff +SiteImprovementsConformToNeighborhood' and +@_ExistsIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by +Property Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='UtilitiesAndOff +SiteImprovementsConformToNeighborhood']/@ +_Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='AdverseSiteCon +ditions' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='AdverseSiteCon +ditions' and @_ExistsIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by +Property Analysis Type. diff --git a/chunks/txt/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.txt b/chunks/txt/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.txt new file mode 100644 index 0000000000000000000000000000000000000000..00a3c090608460c5cbfdb274ffe340e3a617f92d --- /dev/null +++ b/chunks/txt/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.txt @@ -0,0 +1,100 @@ +• +• +• +• + +• + +04.043 + +ID + +Required if Credential +Type is not None + +Free-form + +The credential as reported by the state or ASC, if applicable. +Note: Do not include state in the ID field unless it is part of the credential +number as reported on the ASC National Registry. + +04.044 + +State + +Required if Credential +Type is not None + +2-letter USPS state +code + +State credential that applies to the assignment, commonly referred to as the +“credentialling state.” + +04.045 Expires + +04.046 Description + +Required if Credential +Type is not None + +Required for each +person providing +significant real +property appraisal +assistance + +mm/dd/yyyy + +Expiration date of the credential. + +Free-form + +Explains the details and extent of the assistance provided. + +Assignment Information and Scope of Work Commentary + +Assignment Information and Scope of Work Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +04.047 Assignment + +If applicable + +Free-form + +Information and +Scope of Work +Commentary + +Definition / Additional Guidance + +Commentary could include information pertinent to Assignment information +and Scope of Work that is not captured in the discrete data, or additional +details to support the discrete data. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 21 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +05 Certifications and Scope of Work + +05 Certifications and Scope of Work + +The Certifications and Scope of Work section always displays. It contains a combination of: +• Predefined text that always displays (not addressed in this document) +• Dynamic predefined text (e.g., text for government agency appraisal updates, Appraiser Cert 10) +• Free-form text (e.g., additional scope of work or appraiser certifications) diff --git a/chunks/txt/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.txt b/chunks/txt/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0c1b690361cd389a3fafbfe8764546a3bb877d6 --- /dev/null +++ b/chunks/txt/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.txt @@ -0,0 +1,54 @@ +09.036 + +6 + +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. + +When Additional Supervisory Appraiser Certifications – AppraiserSupervisorAdditionalCertificationIndicator (UID: 2200.0035, FID: Not on report) = + +• + +“true” + +o Display sub-header: Additional Supervisory Appraiser Certifications (FID: 09.023) +o Display in italics below sub-header: Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser + +Certifications. + +o Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0090, FID: Not on report) = “AppraiserSupervisor” +o Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 09.024) and deliver in XML. + +▪ Additional certifications are numbered starting at 1. + +• + +“false” + +o Do not display + +Signature + +The Signature subsection always displays. There can be multiple signatures on the report. Every completion report must contain a PartyRoleType = +"Appraiser" and/or "AppraiserSupervisor". (Figure 09 - 1) + +Page 53 + +Report +Field ID + +Report Label +Name + +Unique ID + +MISMO Data Point +Name + +Display Rules + +Signature diff --git a/chunks/txt/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.txt b/chunks/txt/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..76752499c39c2d5b57df06b710fe1e4b68a2c6da --- /dev/null +++ b/chunks/txt/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.txt @@ -0,0 +1,13 @@ +## [**Recent Updates**](/document/vantagescore-4.0-implementation-faq) + +U.S. Federal Housing is updating the implementation of newer, more advanced credit score models by the Enterprises. The Enterprises are moving forward with an interim phase in this initiative, in which they will permit lenders to deliver mortgage loans using a credit score generated by either the Classic FICO model or the VantageScore 4.0 model. This “lender choice” approach will introduce more robust competition in credit scoring while the Enterprises continue to work towards full implementation of modernized credit scoring and credit reporting. + +Please see below for Frequently Asked Questions (FAQs) about the interim phase of the initiative. These FAQs will be updated regularly. + +### **What policies are being updated by FHFA?** + +For decades, mortgage loans delivered to Fannie Mae and Freddie Mac (the Enterprises) have required credit scores, when available, from a single model – the “Classic FICO” model. Now FHFA is directing the Enterprises to permit lenders to choose between two approved credit score models – Classic FICO and VantageScore 4.0 – for loans sold to the Enterprises. + +### **Why is FHFA pursuing these changes?** + +In 2018, President Trump signed into law the Credit Score Competition Act[[1]](#ftn1), requiring FHFA to establish a process for the Enterprises to validate more advanced credit score models. In 2022, after extensive testing and review by the Enterprises, FHFA announced the validation of two new credit score models – VantageScore 4.0 and FICO 10T. These new models take into account additional sources of data, including rent payment history, and have the potential to accurately score many more Americans. diff --git a/chunks/txt/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.txt b/chunks/txt/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.txt new file mode 100644 index 0000000000000000000000000000000000000000..57e067750581b6687e9b696026e00634c417cab9 --- /dev/null +++ b/chunks/txt/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.txt @@ -0,0 +1,127 @@ +The legal phase number of the subject unit. + +This data is referenced more than once on the form (fields 1-19, 3-14), and must be +represented consistently. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +This field is required if field 1-33 (Appraisal +Purpose Type = 'Purchase') is indicated. + +String + +String + +String + +String + +String + +Money + +Money + +PDF Display Format: +In dollars, to two decimal places. + +This field should be populated if field 3-15 +(Property Sales Amount) is populated. + +T + +T + +T + +T + +T + +R + +R + +R + +R + +R + +R + +T + +CR + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 151 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 + +337 + +3 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +GSE Overall +Location Rating +Type + +The overall rating of the location +associated with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L +OCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATION_ +OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizatio +nName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION +_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE +OverallLocationRatingType + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: diff --git a/chunks/txt/f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80.txt b/chunks/txt/f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80.txt new file mode 100644 index 0000000000000000000000000000000000000000..e5c0fbf8a4bf1416cc6e8eba8230322337f8f817 --- /dev/null +++ b/chunks/txt/f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80.txt @@ -0,0 +1,159 @@ +C2 + +3 + +2 | 1 + +C2 + +4 + +2 | 1 + +2,784 Sq. Ft. + +2,705 Sq. Ft. + +2,810 Sq. Ft. + +2,905 Sq. Ft. + +2,695 Sq. Ft. + +Vehicle Storage | Spaces + +Driveway | 4 +Garage | 3 + +Similar + +Similar + +Similar + +Similar + +Summary + +Rent Per Finished Area + +Actual Rent + +Overall Comparison +to Subject + +Adjusted Rent + +Opinion of +Market Rent + +$0 + +$0 + +$3,500 + +$1.29 + +$3,500 + +Similar + +$1.28 + +$3,600 + +Similar + +$1.15 + +$3,350 + +Similar + +$1.19 + +$3,200 + +Similar + +$3,500 + +$3,400 + +$3,575 + +$3,525 + +Comparable Weight + +Most + +Most + +Less + +Less + +Rental Analysis Commentary + +Comparables 1 and 2 are from the subject’s community, have the same influences and amenities, and are therefore given the most weight. + +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 21 of 24 +Page 21 of 24 + +Rental Information (continued) + +Rental Information Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Rental Comparable 1 photo would display. + +This is where the Rental Comparable 2 photo would display. + +Comparable #3 + +Comparable #4 + +This is where the Rental Comparable 3 photo would display. + +This is where the Rental Comparable 4 photo would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Appraisal Summary + +Contract Price +Opinion of Market Value +Market Value Condition + +Sales Comparison Approach +$900,000 + +Income Approach + +Cost Approach + +Not Necessary for Credible Results + +Not Necessary for Credible Results + +$895,000 +$900,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal diff --git a/chunks/txt/f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167.txt b/chunks/txt/f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167.txt new file mode 100644 index 0000000000000000000000000000000000000000..9fb08c0cf8b54c97900de9de4fbca83c8f5196f3 --- /dev/null +++ b/chunks/txt/f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167.txt @@ -0,0 +1,71 @@ +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +o Numbers set Myriad Pro Bold, followed by a period to text. + +Additional Supervisory Appraiser Certifications (H2) + +• + +“Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser +Certifications.” sets as TXC-I Myriad Pro Italic x 45 picas. + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +o Numbers set Myriad Pro Bold, followed by a period to text. + +Signature (H1) + +Left-hand side of page + +• + +“[Role]” sets as TX-B (brackets do not set, they indicate a placeholder). + +• TXR (rule) sets for signature and date. + +• + +“[Contact Name],” “Date of Signature and Report” set as SIG-B (brackets do not set, they +indicate a placeholder). + +Right-hand side of page + +• + +“Level,” “ID,” “State,” “Expires” set as TXR-B, TXR + +Appendix E: Report Style Guide + +Page 84 of 90 + +Version 1.4 + +Part 4. Completion Report + +This chapter contains details for the formatting of the Completion Report. Page size, margins, layout grid are +identical to the URAR. + +Header Text + +Displays on all report pages. + +½ point 50% black rule x 45 picas, offset 6 points above to: + +(HDR-L) Left side: + +• 10-point Myriad Pro Bold “Completion Report”. + +(HDR-R) Right side: + +• + +“Page [X] of [XX]” (where [X] stands for page number, [XX] for total pages in document) sets +at top margin in 9-point Myriad Pro Regular, align right on 45 picas. + +HDR + +Footer Text + +Displays on all report pages. 2-point rule x 45 picas, 6 points space below to: + +(FTR-L) Left side: