Add files using upload-large-folder tool

chunks/json/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.json

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+{"chunk":{"char_end":1745,"char_start":0,"chunk_id":"chk_71790895f20989d5","chunk_index":0,"chunk_sha256":"0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_039064adae9902a9","text_sha256":"0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/COVID_19_Resources___FHFA_t5e1u5.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/covid-19-resources\"\ndate_accessed: \"2026-01-27T17:48:01.356Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.json

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chunks/json/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.json

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chunks/json/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.json

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chunks/json/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.json

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+{"chunk":{"char_end":130122,"char_start":128491,"chunk_id":"chk_a4da93e7dda93ab7","chunk_index":123,"chunk_sha256":"0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719","token_estimate":408,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Approaches to Value table\n\n• Column heads: Column 1 - none, “Sales Comparison Approach,” “Income Approach,” “Cost\n\nApproach” set as TCH\n\n• Set 4 equal columns x 45 picas (~44 characters max, per line, per cell)\n\n•\n\n“Indicated Value” sets TB Row 1 Column 1; “Reason for Exclusion” sets as TB Row 2 Column 1\n\n• Content in table sets as TB\n\nAPPROACHES TO VALUE TABLE\n\nAppendix E: Report Style Guide\n\nPage 73 of 90\n\nVersion 1.4\n\nAppraisal Summary (H1)\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n“Contract Price” sets as TXR-B, TXR.\n\n“Opinion of Market Value” sets as TXR-B, TXR.\n\no “(Cooperative Interest)” if applicable sets flush right on 22 picas\n\no “Pro Rata Share Calculation Method” sets as TXR-I\n\n“Market Value Condition” sets as TXR-B, TXR\n\n“Final Value Condition Statement” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45\npicas\n\nRight-hand side of page\n\n•\n\n“Reasonable Exposure Time,” “Effective Date of Appraisal,” “FHA REO Insurability Level,” set\nas TXR-B, TXR\n\nFull page width\n\n•\n\n“The market value represents the cooperative interest. The cooperative interest is the equity\nportion that is over and above the pro rata share of the blanket mortgage(s).” sets as TXC-I x\n45 picas\n\nClient Requested Conditions (H1)\n\nClient Requested Conditions table\n\n•\n\n“Value Condition,” “Marketing or Exposure Time,” “Duration,” “Alternate Opinion of Value”\nset as TCH\n\n• Set 4 equal columns x 45 picas (~44 characters max, per line, per cell)\n\n• Content in table sets as TB\n\nCLIENT REQUESTED CONDITIONS TABLE\n\nFull page width\n\n•\n\n“Requested Condition Commentary” sets as TXC-B (bold lead in to Myriad Pro Regular text) X\n45 picas\n"}

chunks/json/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.json

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+{"chunk":{"char_end":152537,"char_start":150882,"chunk_id":"chk_b8e18afb0e47de93","chunk_index":88,"chunk_sha256":"055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"4.022\n\nKnown\nMaintenance\nAgreement\n\nRequired if Primary\nAccess to Property is\nPrivate Street\n\nYes | No\n\n4.023\n\n4.024\n\nTypical for\nMarket\n\nDescription of\nProperty Access\n\nAlways required\n\nYes | No\n\nFree-form\n\nRequired if Access to\nProperty Typical for\nthe Market is No, or as\nneeded\n\nDefinition / Additional Guidance\n\nStreet(s) Used to Access Property: The means of direct access and exit for all\nroads to and from the property.\n•\n•\n•\n•\n•\n•\n•\n•\n\nAlley\nArterial Street\nCollector Street\nCul-de-sac\nDead End\nLocal Road\nRural Road\nOther (Describe)\n\nNote: For condominiums, cooperatives, and condops, reference published\nguidelines by the GSEs, government agencies, or other identified secondary\nmarket participants for specific guidance.\n\nStreet Surface Material\n•\n•\n•\n•\n•\n•\n•\nNote: If the street is made of multiple materials, choose the predominant one.\n\nAsphalt\nBrick\nConcrete\nCobblestone\nDirt\nGravel\nOther (Describe)\n\nIndicates whether there is an enforceable maintenance agreement for a private\nstreet used to access the property that is known to the appraiser.\n\nNotes:\n•\n•\n\nSelect Yes if the private street is maintained by the HOA or PUD.\nAn image of the maintenance agreement may be provided, which displays\nin Site Exhibits. A caption must be provided to identify the image as being\nof a maintenance agreement, and any other descriptive information as\nappropriate.\n\nAccess to Property Typical for the Market: Indicates whether the property\naccess is common in the market location.\n\nDescription of the access to the property including why it is not typical for the\nmarket. Additional commentary to include details and other information may\nbe provided.\n"}

chunks/json/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.json

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chunks/json/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.json

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chunks/json/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.json

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chunks/json/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.json

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+{"chunk":{"char_end":8340,"char_start":6724,"chunk_id":"chk_748f856447225b26","chunk_index":4,"chunk_sha256":"0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Non-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nCollector Street | Asphalt\nYes\n\nDescription of Property Access Subject fronts onto a collector\nstreet.\n\nCheck #A\n\nSite Influence\n\nInfluence\nBusy Roadway\n\nProximity\nBordering\n\nDetail\n\nImpact\nAdverse\n\nComment\nSite fronts to a collector\nstreet through the\ncommunity, which has higher\ndensity traffic impacting\nsubject’s marketability.\n\nSite Influence Commentary Additional commentary can be added here, if needed by Appraiser.\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nView Commentary Additional commentary can be added here, if needed by Appraiser.\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nUSGS Lava Flow Zone 2\n\nImpact\nAdverse\n\nComment\nThere is volcanic activity in the Puna District on the\nsoutheast portion of the island of Hawaii.\n\nSite Features Commentary Additional commentary can be added here, if needed by Appraiser.\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nElectricity\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\n\n\nCesspool\n\nNeutral\n\nCesspools are typical in this jurisdiction.\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n"}

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+{"chunk":{"char_end":39062,"char_start":37446,"chunk_id":"chk_f4f431033171ec68","chunk_index":22,"chunk_sha256":"05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"SF CTF\n\n29\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n2\n\n52\n\nscore_coborr_model\n\nCredit Score Model - Co-\nBorrower\n\n1 = Equifax Beacon 5.0\n2 = Experian Fair Isaac\n3 = FICO Risk Score Classic 04\n4 = FICO Risk Score Classic 98\n5 = VantageScore 2.0\n6 = VantageScore 3.0\n7 = More than one credit scoring model\n8 = Other credit scoring model\n9 = Not applicable\n10 = No co-applicant\n11 = FICO Score 9\n12 = FICO Score 8\n13 = FICO Score 10\n14 = FICO Score 10T\n15 = VantageScore 4.0\n99 = Unknown\n\n10 = Less than 20 percent\n20 = 20 to less than 30 percent\n30 = 30 to less than 36 percent\nActual value = 36 to 49 percent\n50 = 50 to 60 percent\n60 = Greater than 60 percent\n99 = Not available\n999999 = Not available/Not applicable Discount points is reported as dollars.\n\n53\n\n2\n\ndti_cat\n\nDebt-to-Income (DTI)\nRatio\n\n54\n\n55\n\n6\n\n3\n\nSF CTF\n\npoints\n\nDiscount Points\n\nperiod_intro_rate\n\nIntroductory Rate Period 999 = Not available/Not applicable\n\nMonths\n\n30\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n56\n\n57\n\n58\n\n9\n\n1\n\nmh_land_interest\n\nManufactured Home –\nLand Property Interest\n\nproperty_value\n\nProperty Value\n\n1 = Direct ownership\n2 = Indirect ownership\n3 = Leasehold or ground rent\n5 = Not applicable\n9 = Unknown\n999999999 = Not available\n"}

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+{"chunk":{"char_end":213994,"char_start":212332,"chunk_id":"chk_fbb4f997a687f7c2","chunk_index":120,"chunk_sha256":"058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"8.17.3\n\n8.17.4\n\n8.17.5\n\na. Deep Dive - Recording Fees\n\ni. Deed: <$> Mortgage: <$>\n\nThe ucd:FeeItemType enumerations “RecordingFeeForDeed” and “RecordingFeeForMortgage” have the following unique\n\ncharacteristics. They are:\n\n1. The ONLY recording fees that require itemization are pre-printed on the CD field ID 8.2 and 8.2.1: Recording\nFees for Deed and Mortgage. A transaction can incur either one or both of these fees. Additional recording\nfee items do not need to be included.\n\n2. The ONLY fees where the total amount for each fee is shown, regardless of who paid them.\n\n3. The ONLY fee types that use FeeActualTotalAmount.\n\n4. The ONLY fee types that do NOT use FeeActualPaymentAmount.\n\nii. The Invisible Fee Type: Recording Fee Total\n\nThe ucd:FeeItemType enumeration “RecordingTotal” has the following unique characteristics. They are:\n\n1. The ONLY Recording Fee Type that is not listed on the left side of the CD\n\n2. The ONLY Recording Fee Type whose Fee Actual Payment Amount(s) represent fee amounts that are\n\nreported with other Fee Types (Recording Fee For Deed / Recording Fee For Mortgage).\n\n3. The ONLY Recording Fee Type whose Fee Actual Payment Amount also can include amounts for fees that are\n\nnot reported at all\n\nUCD v2.0 Implementation Guide\n\n- 92 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n4. The FeeActualPaymentAmount reflects the sum of all recording fees including the amounts for\n\n“RecordingFeeForDeed” and “RecordingFeeForMortgage” PLUS any amounts for additional recording fee\nline items that may or may not be itemized on the CD.\n\niii. Supported but Not Preferred – Additional Recording Fee Line Items\n"}

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+{"chunk":{"char_end":210316,"char_start":208434,"chunk_id":"chk_80595c9e75160f1d","chunk_index":203,"chunk_sha256":"058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489","token_estimate":471,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 6 - 4\n\nPage 147\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nThe Energy Efficient and Green Features Impact to Value/Marketability subsection always displays in the Energy Efficient and Green\nFeatures section. The ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) is conditionally required. Any commentary can be provided\nusing EnergyEfficientAndGreenDescription (UID: 2600.0026, FID: 6.015). (Figure 6 - 5)\n\n• Display Impact to Value/Marketability ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) when:\n\no RenewableEnergyComponentExistsIndicator = “true” OR\no GreenCertificationExistsIndicator = “true” OR\no EfficiencyRatingExistsIndicator = “true”\n\n• When ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) = “Adverse”, the Description\n\nEnergyEfficientAndGreenDescription (UID: 2600.0026, FID: 6.015) must display.\n\n• When ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) <> “Adverse”, the Description\n\nEnergyEfficientAndGreenDescription (UID: 2600.0026, FID: 6.015) will display if provided.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 6 - 5\n\nPage 148\n\n<ENERGY_EFFICIENCY_AND_GREEN>\n <ENERGY_EFFICIENCY_AND_GREEN_DETAIL>\n\n<EfficiencyRatingExistsIndicator>true</EfficiencyRatingExistsIndicator>\n<EnergyEfficientAndGreenDescription>The solar panels are leased and therefore not considered part of the real property. The lease is\ntransferable when the subject is sold, however there is no measurable impact on value or marketability as the decision to transfer\nthe lease would be the personal preference of any purchaser of the property.</EnergyEfficientAndGreenDescription>\n<GreenCertificationExistsIndicator>false</GreenCertificationExistsIndicator>\n<RenewableEnergyComponentExistsIndicator>true</RenewableEnergyComponentExistsIndicator>\n<ValueMarketabilityImpactType>Neutral</ValueMarketabilityImpactType>\n"}

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+{"chunk":{"char_end":625810,"char_start":624107,"chunk_id":"chk_64315a93219a5dc5","chunk_index":372,"chunk_sha256":"059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484","token_estimate":426,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Price Per Finished Area\nAbove Grade is only\napplicable to\ncomparables\n\nNo\n\nCalculated: Price / Gross Building Finished Area 22.05.25\n\nPrice is defined as follows in this calculation:\n•\n•\n•\n\nUse Sale Price if the comparable is a settled sale.\nOtherwise, use Contract Price if known.\nOtherwise, use List Price.\n\nNo\n\nCalculated: Price / (Finished Area Above Grade 22.07.30 + Finished Area\nAbove Grade (Nonstandard) 22.07.32 for all units including ADUs)\n\nPrice is defined as follows in this calculation:\n•\n•\n•\n\nUse Sale Price if the comparable is a settled sale.\nOtherwise, use Contract Price if known.\nOtherwise, use List Price.\n\nNote:\n•\n\nNoncontinuous finished area is not included.\n\n22.15.13 Adjusted Price Always\n\nAlways required\n\nDollar amount\n\nAdjusted Price is only\napplicable to\ncomparables\n\nNo\n\nAdjusted Price of Comparable\nCalculated:\n•\n•\n\nSale Price + Net Adjustment Total (if Listing Status is Settled Sale)\nList Price + Net Adjustment Total (if Listing Status is not Settled\nSale)\n\nAppendix F-1: URAR Reference Guide\n\nPage 274 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.15.14\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Summary\n\nComparable\nWeight\n\nAlways\n\nAlways required\n\nChoose an\nallowable answer\nfrom table\n(Comparable\nWeight)\n\nComparable Weight is\nonly applicable to\ncomparables\n\nNo\n\nComparable Weight: The relative emphasis given to the comparable by\nthe appraiser in determining the indicated value by the sales comparison\napproach.\n• Most\n•\nLess\n•\nNo Weight\n"}

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+{"chunk":{"char_end":1618,"char_start":0,"chunk_id":"chk_f7f868d86f78cae7","chunk_index":0,"chunk_sha256":"059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d5a90acce2e4362f","text_sha256":"059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf","token_estimate":404,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report without Report Field IDs v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix C‐3: Completion Report without Report Field IDs\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\n9/17/2024\n12/12/2023\n\nVersion\nNumber\n1.2\n1.1\n\nReport Section\n\nChange #\n\nRevision Description\n\nFooter\nFooter\nCertifications\nand Scope of\nWork\n\n2024‐028\n2023‐061\n\nUpdated date in Footer to September 2024.\nUpdated date in Footer to December 2023.\n\n2023‐003\n\nUpdated predefined text for all Supervisory Appraiser Certifications.\n\n3/29/2023\n\n1.0\n\nInitial publication\n\nIntroduction\n\nThe purpose of this document is to show all possible Report Labels that may display on the Completion\nReport, regardless of conditionality. This is not intended to represent a realistic report as a Completion\nReport will never contain all of the available fields in one report.\n\nTerm\nReport Label\n\nDefinition\nThe name of the field as shown on the Completion Report.\n\nSubject Property\n\nPhysical Address\nCounty\n\nLegal Description\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nMarket Value Condition\n\nFinal Value Condition Statement\n\nItemized List of Repairs\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nFeature\n\nLocation\n\nDescription\n\nAffects\nSoundness\nor Structural\nIntegrity\n\nRepair\nCompleted\n\nInspection Date\n\nCompletion\nComment\n\nNew Observed Items for Repair\n"}

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+{"chunk":{"char_end":39416,"char_start":30521,"chunk_id":"chk_616c580ed0be16c5","chunk_index":8,"chunk_sha256":"05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8","token_estimate":3420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. Mapping Guidance ............................................................................................................................................................. 132\n8.10 Initial Escrow Payment at Closing ......................................................................................................................................133\n8.15 Aggregate Adjustment ........................................................................................................................................................134\n1. Mapping Guidance ............................................................................................................................................................. 137\n8.16 Other ....................................................................................................................................................................................137\n1. Mapping Guidance ............................................................................................................................................................. 143\nB. For More Information .............................................................................................................................................................143\n9.0 Total Closing Costs.....................................................................................................................................................................144\nA. Mapping Guidance ..................................................................................................................................................................147\nB. For More Information .............................................................................................................................................................147\n10.0 Calculating Cash to Close ........................................................................................................................................................148\nA. Calculating Cash To Close Table Format................................................................................................................................148\n10.1 – 10. 9 Line Item Definitions for the Final Amount...................................................................................................... 148\n10.9 Cash to Close .................................................................................................................................................................. 150\n1. Mapping Guidance ............................................................................................................................................................. 154\n2. For More Information ........................................................................................................................................................ 154\n10.A Alternative Calculating Cash To Close Table .........................................................................................................................154\n10.1 – 10.11 Line Item Definitions for the Final Amount .........................................................................................................155\n10.3 Closing Costs Financed........................................................................................................................................................156\n10.9 Cash to Close .......................................................................................................................................................................156\nA. For More Information .............................................................................................................................................................159\n11.0 – 16.0 Summaries of Transactions - UPDATED......................................................................................................................160\nA.\n"}

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+{"chunk":{"char_end":13353,"char_start":11778,"chunk_id":"chk_6593546a78bd2336","chunk_index":7,"chunk_sha256":"05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.md"]},"text":"Washington, D.C. – U.S. Federal Housing (Federal Housing Finance Agency or FHFA) today announced the deemed-issuance ratio for the 2026 calendar year in accordance with Internal Revenue Service (IRS) guidelines on the trading of the Uniform Mortgage-Backed Security (UMBS). The deemed-issuance ratio...\n - News Release\n\nNovember 25, 2025\n\n## [FHFA Announces Conforming Loan Limit Values for 2026](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026)\n\nWashington, D.C. – U.S. Federal Housing (FHFA) today announced the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac (the Enterprises) will acquire in 2026. In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250...\n - News Release\n\nNovember 25, 2025\n\n## [U.S. House Prices Rise 2.2 Percent Year over Year; Up 0.2 percent Quarter over Quarter](/news/news-release/u.s.-house-prices-rise-2.2-percent-year-over-year-up-0.2-percent-quarter-over-quarter)\n\nWashington, D.C. – U.S. house prices rose 2.2 percent between the third quarter of 2024 and the third quarter of 2025, according to the U.S. Federal Housing (FHFA) House Price Index (FHFA HPI®). House prices for the third quarter of 2025 rose 0.2 percent compared to the second quarter of 2025. FHFA...\n - News Release\n\nNovember 24, 2025\n\n## [U.S. Federal Housing Announces 2026 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac](/news/news-release/u.s.-federal-housing-announces-2026-multifamily-loan-purchase-caps-for-fannie-mae-and-freddie-mac)\n"}

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+{"chunk":{"char_end":466694,"char_start":464965,"chunk_id":"chk_a626e9c713371082","chunk_index":269,"chunk_sha256":"05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources\nthat I believe to be true and correct.\n\n10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable\ncondition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the\nsoundness or structural integrity of the property.\n\n11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nreport was transmitted.\n\n12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for\nsale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and\nthe prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal.\n\n13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the\ncomparable sales for a minimum of one year prior to the date of sale of the comparable sale.\n\n14. I based my valuation on the available properties that are most similar to the subject property.\n\n15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been\nbuilt or will be built on the land.\n"}

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+{"chunk":{"char_end":50512,"char_start":48909,"chunk_id":"chk_3a757109a5ef26b3","chunk_index":22,"chunk_sha256":"05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"iii. The term “Alternate Form” is used to refer to TRID “Exhibit H–25(E) Mortgage Loan Transaction Closing\n\nDisclosure—Refinance Transaction Sample”. The Alternate Form excludes sections pertinent to purchases and\nmay only be used for refinance transactions.\n\nUCD v2.0 Implementation Guide\n\n- 11 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nTable 4. UCD v2.0 Excerpt - XML File Identification Data Requirements.\n\nUCD UID MISMO v3.3 Data Point/Attribute UCD v2.0 Supported Enumeration\n\nImplementation Notes\n\nMESSAGE\n\n0.001 MISMOReferenceModelIdentifier\n\n3.3.0299\n\n0.064\n\nxmlns\n\nhttp://www.mismo.org/residenti\nal/2009/schemas\n\nThis is the only accepted value. MISMO Reference\nModel build number governing the data in this\nfile\n\nMutually exclusive with xmlns:mismo (UID 0.002).\nIf you use this attribute, then the MISMO schema\nbecomes the target namespace of the file and\nMISMO elements in the file should NOT have a\nprefix.\n\n0.002\n\nxmlns:mismo\n\n0.054\n\nxmlns:gse\n\n0.070\n\nxmlns:ucd\n\nhttp://www.mismo.org/residenti\nal/2009/schemas\n\nMutually exclusive with xmlns UID 0.064.\nIf you use this attribute then all MISMO elements\nmust be prefixed by \"mismo:\"\n\nhttp://www.datamodelextension.\norg/Schema/gse\n\nThe gse: namespace is not used with a gse:\nschema. The elements in this namespace are\naccepted but not validated by schema.\n\nhttp://www.datamodelextension.\norg/Schema/ucd\n\nThe ucd: namespace MUST be used with the GSE-\nprovided ucd: schema. The elements in this\nnamespace must conform to the ucd:xsd they will\nnot be accepted.\n\nMESSAGE/ABOUT_VERSIONS/ABOUT_VERSION\n\n0.010\n\nCreatedDatetime\n"}

chunks/json/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.json

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+{"chunk":{"char_end":588502,"char_start":586831,"chunk_id":"chk_6568397bab9fb9c6","chunk_index":347,"chunk_sha256":"05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][3]/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress and\n(Line 1)\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyStreetAddress\n\nSALES\nCOMPARISON\nAPPROACH\n\nUnit #\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nUnitIdentifier\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyCity\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyState\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyPostalCode\n\nSALES\nCOMPARISON\nAPPROACH\n\nProject Name and\n\nProject Name\n\nThe name of the project in which subject\nproperty is located (e.g., the name of the\ncondominium or cooperative).\n"}

chunks/json/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.json

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+{"chunk":{"char_end":10260,"char_start":8508,"chunk_id":"chk_c402dae6c1703abc","chunk_index":5,"chunk_sha256":"05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b","token_estimate":438,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe\n93\n\n91\n\n92\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 96\n\n95\n\n94\n\nI did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 99\n\n98\n\n97\n\n100\n\n103\n\n101\n\n104\n\nMy research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\nData source(s) 102\nMy research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\nData source(s) 105\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARAB LE SALE # 3\n110\n111\n112\n113\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales. 114\n\nCOMPARABLE SALE # 2\n110\n111\n112\n113\n\nCOMPARABLE SALE # 1\n110\n111\n112\n113\n\nSUBJECT\n106\n107\n108\n109\n\nITEM\n\nFreddie Mac Form 466 March 2005 226\n\nPage 2 of 6\n\nFannie Mae Form 1075 March 2005\n\n2\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a\n .\nThere are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7\nThere are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10 .\n"}

chunks/json/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.json

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+{"chunk":{"char_end":13653,"char_start":11561,"chunk_id":"chk_9da4f77af01d19ff","chunk_index":7,"chunk_sha256":"05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443","token_estimate":523,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":", as of\n\nFreddie Mac Form 465D April 2022\n\nPage 3 of 6\n\nFannie Mae Form1073 Desktop April 2022\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\nFile #\n\nThis report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned\nunit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a\ncooperative project.\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,\nstatement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended\nuse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may\nexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal\nassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do\nnot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s\ncontinuing education or membership in an appraisal organization, are permitted.\n\nSCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the\nreporting requirements of this appraisal report form, including the following definition of market value, statement of\nassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate\nand reliable information for the subject property and project including, but not limited to, public and/or private data records,\nand information as described by the appraiser in the appraisal report, (2) research, verify, and analyze adequate and\nreliable data from public and/or private sources for the subject market area and project, including data for each comparable\nproperty reported, and (3) report his or her analysis, opinions, and conclusions in this appraisal report.\n"}

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chunks/json/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.json

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+{"chunk":{"char_end":582495,"char_start":580894,"chunk_id":"chk_d7f94347a9c8710d","chunk_index":335,"chunk_sha256":"062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"None\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 2 of 19\nPage 2 of 19\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\n\nRefinance\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\n\nCompany Address\n\nBank of Maryland\n81 Cedar Rd\nNowhere, MD 09991\n\nJohn Appraiser\n John Appraiser Appraisal\nCompany\n381 Pine St\nAnytown, MD 09992\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n03-XXXXXX\nMD\n12/31/2025\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n03/03/2024\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n213 Tree Stand Rd\nAnytown, MD 09992\nHill\nHilltop Hills\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nLot 3 Block 8 Section 2 of Hilltop Hills\n\nSite\n\nTotal Site Size\n"}

chunks/json/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.json

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chunks/json/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.json

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+{"chunk":{"char_end":258333,"char_start":256219,"chunk_id":"chk_c7d178520891c8db","chunk_index":149,"chunk_sha256":"0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Intended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nIntended User\n\nThe intended user of this appraisal report is the lender/client.\n\nDefinition of Market Value\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition\nis the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller\nare typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best\ninterest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of\nfinancial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special\nor creative financing or sales concessions* granted by anyone associated with the sale.\n\n*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are\nnormally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales\ntransactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party\ninstitutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost\nof the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on\nthe appraiser’s judgment.\n"}

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chunks/json/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.json

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+{"chunk":{"char_end":1757,"char_start":0,"chunk_id":"chk_f83feb1ac5faffa8","chunk_index":0,"chunk_sha256":"0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dec400d1f34836bb","text_sha256":"0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorships_Performance_Goals___Scorecard___U_9epojvk.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/conservatorships-performance-goals-scorecard\"\ndate_accessed: \"2026-01-27T17:47:56.999Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.json

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+{"chunk":{"char_end":18438,"char_start":16448,"chunk_id":"chk_bc4175c0d6a94f5a","chunk_index":7,"chunk_sha256":"064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19","token_estimate":498,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Business partners who rely on a GSE’s loan delivery system user interface to enter the\nnew data should check the GSE’s individual Web sites for specific directions and tools for\nimplementing the ULDDS.\n\nC. Overview of the MISMO Data Standard\n\nThe Mortgage Industry Standards Maintenance Organization (MISMO®) creates and\ngoverns data standards for the real estate finance industry. The MISMO standard supports\nthe entire loan life cycle, from origination to servicing to loan delivery and investor\nreporting. Use of MISMO standard transactions to support the loan origination process is\nwidespread.\n\nThe MISMO standard is based on XML (eXtensible Markup Language), a flexible and\nwidely-used means for transporting and storing data that simplifies the way businesses\nexchange electronic information. Version 3.0 (V3.0) of the single family data standard is\nrepresented in XML schema format as a relational message model called the “V3.0\nReference Model.” The more than 2,000 elements and attributes that make up the V3.0\nReference Model are documented in the LDD.1\n\nAn XML schema document is more flexible than either of the current GSE file formats--\nFreddie Mac’s Form 11, Mortgage Submission Schedule, and Form 13SF, Mortgage\nSubmission Voucher, and Fannie Mae’s 2000-Character Loan Delivery File Format.\nRecognizing that adopting a standard file format like the V3.0 Reference Model would\nincrease operational efficiencies for lenders and the vendors who support them, the GSEs\nleveraged the MISMO standard to create the ULDDS.\n\n1 Note that the MISMO Version 2.6 Appraisal Standard is one of the accepted XML file formats for the Uniform\nCollateral Data Portal. At this time, MISMO Version 3.0 does not provide a framework for appraisal report data.\nThere are several proprietary XML formats in the residential appraisal marketplace, as well as a framework in the\nMISMO Version Appraisal Standard. The GSEs’ goal is to accommodate the dominant XML formats currently\nused for appraisals.\n"}

chunks/json/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.json

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+{"chunk":{"char_end":26844,"char_start":24867,"chunk_id":"chk_75e6b2de0d47ce45","chunk_index":13,"chunk_sha256":"064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b","token_estimate":495,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"Please note that the FHFA Website Privacy Policy does not extend to, apply to, or have authority over the privacy policy of any commercial social media sites you may visit. Therefore, if you choose to interact with FHFA on a commercial third-party site, please review carefully the third-party’s privacy policy. Click on the following to view the privacy policies of [Facebook](https://www.facebook.com/privacy/policy/), [YouTube](https://policies.google.com/privacy?hl=en), [LinkedIn](https://www.linkedin.com/legal/privacy-policy) and [X](https://twitter.com/en/privacy).\n\n## 14. Internet Security\n\nBy using this site, you are agreeing to security monitoring and auditing. For security purposes and to ensure that the public service remains available to users, this government computer system employs programs to monitor network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage, including attempts to deny service to users.\n\nUnauthorized attempts to upload information and/or change information on any portion of this site are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act of 1996 [(18 U.S.C. § 1030)](http://www.law.cornell.edu/uscode/text/18/1030).\n\n## 15. False Statements and Documents\n\nIf you furnish FHFA with information that you know to be false or misleading, you are subject to prosecution under federal law, specifically [18 U.S.C. § 1001](http://www.law.cornell.edu/uscode/text/18/1001).\n\nThe information you give FHFA may be used against you in any federal, state, local or foreign administrative, civil, or criminal proceeding brought by FHFA or any other agency. You may refuse, in accordance with the rights guaranteed to you by the Fifth Amendment to the Constitution of the United States, to give any information that may tend to incriminate you or subject you to fine, penalty or forfeiture.\n"}

chunks/json/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.json

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+{"chunk":{"char_end":11351,"char_start":9724,"chunk_id":"chk_b4ea2611bcd26815","chunk_index":6,"chunk_sha256":"06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Walls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit A)\n\nNone\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nThis is where the Unit A Bath 1 photo would display.\n\nThis is where the Unit A Bath 2 photo would display.\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit A Bedroom 1 photo would display.\n\nThis is where the Unit A Bedroom 2 photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 26\n\nUnit Interior - Building 1 - Unit A (continued)\n\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit A Dining Room photo would display.\n\nThis is where the Unit A Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the Unit A Living Room photo would display.\n\nUnit Interior - Building 1 - Unit B\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n1\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n"}

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+{"chunk":{"char_end":14628,"char_start":13013,"chunk_id":"chk_27f60b57668ab198","chunk_index":8,"chunk_sha256":"0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 7 of 24\nPage 7 of 24\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n1,552 Sq. Ft.\n0 Sq. Ft.\n1,232 Sq. Ft.\n320 Sq. Ft.\nAssessor Record\nBuilder or Developer\nMLS\nReal Estate Agent\nThree-Dimensional Scan\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n2\nVacant\n3\n2\n1\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nPartially Below Grade\nInterior and Exterior Access\nWalk Out\n\nFinish\nFinished\n\nLevel 1\n\nAbove Grade\n\nUnfinished\n\nFinished\n\nArea\n1,232 Sq. Ft.\n\n320 Sq. Ft.\n\n1,552 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Bedroom\n1 - Family Room\n1 - Sunroom\n\n1 - Bath - Full\n1 - Bath - Half\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Mudroom\n1 - Office\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ3\n\nInterior Condition Rating\n\nC1\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel B1\n\nBath - Half\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\nLess than 1 year\n\nFully Updated\n\nLess than 1 year\n\nFully Updated\n\nLess than 1 year\n\nQuality Comment\nWood framed cabinets,\ngranite counters,\ncommercial style\nappliances, sink is\nlocated in an oversize\nisland.\n\nSeparate tub and\nshower, large room, tile\non the floor and walls,\ngranite counters.\n\nTile on the floor, walls,\nand shower; granite\ncounters.\n"}

chunks/json/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.json

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+{"chunk":{"char_end":118707,"char_start":116990,"chunk_id":"chk_e9157b279675bfda","chunk_index":69,"chunk_sha256":"06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 39 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n1\n\n1\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nIf a street exists, at least one of fields 1-112, 1-\n113 (values of Property Off Site Improvement\nOwnership Type) should be indicated.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nIf a street exists, at least one of fields 1-112, 1-\n113 (values of Property Off Site Improvement\nOwnership Type) should be indicated.\n\n25\n\nString\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the alley type. The value 'None' should be indicated\nif none is present.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n"}

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+{"chunk":{"char_end":3205,"char_start":1605,"chunk_id":"chk_db527abf43ba72ce","chunk_index":1,"chunk_sha256":"0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"As Is\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nListing Status\n\n03/03/2024\nRefinance\nJane Doe\nJane Doe\nNone\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nJohn Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC3\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 2 of 19\nPage 2 of 19\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\n\nRefinance\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\n\nCompany Address\n\nBank of Maryland\n81 Cedar Rd\nNowhere, MD 09991\n\nJohn Appraiser\n John Appraiser Appraisal\nCompany\n381 Pine St\nAnytown, MD 09992\n\nCredentials\n"}

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+{"chunk":{"char_end":11084,"char_start":9463,"chunk_id":"chk_1f7a6bb6a5c66931","chunk_index":6,"chunk_sha256":"066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, 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 the\nfollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133\n\n129\n\n131\n\n130\n\n132\n\nBased on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as\ndefined, of the real property that is the subject of this report is\n$ 134\n\n, the effective date of this appraisal.\n\n135\n\n, as of\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\nFreddie Mac Form 70H July 2020\n\n226\n\nPage 2 of 6\n\nFannie Mae Form 1004 Hybrid July 2020\n\n2\n\n5\n\nAppraisal Assignment Type\n\n227\n\nSubject Property Data Collection Method\n\n227\n\nUniform Residential Appraisal Report (Hybrid)\n\nFile # 3\n\n4 4a\n\nSubject Property Data Collection Date\nSubject Property Data Collection Workforce\n\n227\n\n227\n\nA\nD\nD\nI\nT\nI\nO\nN\nA\nL\n\nC\nO\nM\nM\nE\nN\nT\nS\n\nC\nO\nS\nT\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nI\nN\nC\nO\nM\nE\n\nP\nU\nD\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nProvide adequate information for the lender/client to replicate the below cost figures and calculations.\nSupport for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6\n\nCOST APPROACH TO VALUE (not required by Fannie Mae)\n\n8\n\nREPRODUCTION OR REPLACEMENT COST NEW\n"}

chunks/json/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.json

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+{"chunk":{"char_end":43571,"char_start":41974,"chunk_id":"chk_49efddbeab8c84a4","chunk_index":30,"chunk_sha256":"06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"1b. Current Employment/Self Employment and Income\nEach borrower will indicate their current job(s) and income in this table. The employer’s name, address,\nemployee’s position description and telephone are optional across all types of loan. The start date must be\nprovided for all instances of current employment. The borrower’s time in their line of business is only\nconsumed by FHA and should be provided to DU in months, regardless of how the borrower indicates it in\nthe redesigned Form 1003. Refer to the DU Spec and search for more information on employment data\ninformation and conditionality.\n\nDU expects to receive the data point EmploymentIncomeIndicator as true in the loan application file to\nidentify income from employment. This indicator is used to differentiate employment income from\nother-sourced non-employment income, for which the indicator is false.\n\nThe gross monthly income should be provided by an income type (i.e. base, bonus, etc.) and a corresponding\nvalue. Please refer to the DU Spec for a list of enumerations that DU will accept. In addition, DU will also\naccept foreign income and seasonal income. These should be provided in your submission file as indicators\nwith the corresponding value even though the URLA form does not specify foreign or seasonal income.\nThe foreign income and seasonal income indicators are in an EXTENSION container under the employment\nstructure; hence the indicator applies to the employer level not to each income type. Please refer to the DU\nSpec for data point notation and to the Frequently Asked Questions for the ULAD for examples.\n"}

chunks/json/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.json

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+{"chunk":{"char_end":1711,"char_start":0,"chunk_id":"chk_bdc9f05ce27bd0c5","chunk_index":0,"chunk_sha256":"068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9953ee7c0cb6551","text_sha256":"068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-july-19-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 12.0 July Update\n\nJune 18, 2025\n\nDuring the weekend of July 19, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0.\n\nPlease review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nCopyright Update\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings files (XML, Text, Classic HTML, New HTML and PDF) may require\nupdates to support the update.\n\nThe copyright information included in all versions of the DU Underwriting Findings report will be updated to reflect the following:\nCopyright (c) 2025 Fannie Mae.\n\nPlease see the table below for all Findings formats:\n\nFile Format\nXML\n\nText\nClassic HTML\nNew HTML\n\nPDF\n\nCurrent Copyright\n\nUpdated Copyright\n\n<EndNote Text=\"Copyright(c) 1994-\n2025 Fannie Mae\"></EndNote>\nCopyright (c) 1994- 2025 Fannie Mae\nCopyright (c) 1994- 2025 Fannie Mae\n© Fannie Mae 1994-2025. All rights\nreserved.\n© Fannie Mae 1994-2025. All rights\nreserved.\n\n<EndNote Text=\"Copyright (c) 2025\nFannie Mae.\"></EndNote>\nCopyright (c) 2025 Fannie Mae.\nCopyright (c) 2025 Fannie Mae.\nCopyright (c) 2025 Fannie Mae.\n\nCopyright (c) 2025 Fannie Mae.\n\nRelease Support\n\nThe changes in the DU Version 12.0 July Update will be implemented in the DU Integration environment no later than June 18,\n2025.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae\nrepresentative.\n"}

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+{"chunk":{"char_end":6799,"char_start":5111,"chunk_id":"chk_4b2f14a05f7e9842","chunk_index":3,"chunk_sha256":"069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5b3e2e0d9256455b","text_sha256":"069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021.pdf"]},"text":"13.0053\n\nInvestorProductPlanIdentifier\n\nImplementation Notes\n\n13.0005\n13.0006\n\nIndexSourceType\nIndexSourceTypeOtherDescription\n\nDU Supported Enumerations: Individual\nARM Plan Numbers were replaced with a\nlink to the DO DU ARM Plan spreadsheet\npublished on the Technology\nIntegration page:\nhttps://singlefamily.fanniemae.com/me\ndia/document/xls/dodu-arm-plan-\nnumbers\n\nData Points (Removed)\n\nDU does not use or consider\nIndexSourceType and/or\nIndexSourceTypeOtherDescription if\nprovided in the loan application\nsubmission file.\n\nTo avoid confusion, Integrated\nSystem(s) should be updated to no\nlonger send these data points to DU in\nthe loan application submission file.\n\n© 2021 Fannie Mae 08.20.21\n\n3 of 6\n\nUnique ID\n\nMISMO v3.4 Data Point Name\n\nDU Supported\nEnumerations\n\nUpdate(s)\n\n20.0004\n20.0005\n\nTaxpayerIdentifierValue\nTaxpayerIdentifierType\n\nConditionality Statement\n\nSequence Number (Attribute)\n\nDU Data Point Format(s)\n\n4.0319\n4.0002\n4.0306\n4.0307\n5.0261\n5.0262\n5.0263\n5.0264\n5.0254\n6.0227\n8.0184\n8.0189\n\n3.0028\n\nProductDescription\n\nAffordableLTV\n\nChanged DU Data Point Format to String\n30 and removed the AffordableLTV\nenumeration\n\nImplementation Notes updated:\nEnter “Standard LCOR” to underwrite a\nRefiNow loan casefile as a standard\nlimited cash-out refinance\n\nEnter “Affordable LTV” in the Product\nDescription field to underwrite based on\nthe appraised value in accordance with\nthe Selling Guide\n\n6.0231\n\nLiabilityExclusionIndicator\n\nNew instance of existing data point\n\n12.0005\n\nPropertyStructureBuiltYear\n\nIndicates whether a HELOC or Mortgage\nLoan listed on the credit report should\nbe omitted from the liability calculation\nbecause of duplication or\nmisrepresentation.\n"}

chunks/json/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.json

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+{"chunk":{"char_end":430963,"char_start":429261,"chunk_id":"chk_3edddd1c29d90ede","chunk_index":334,"chunk_sha256":"0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19","token_estimate":425,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"▪\n\nIf ParcelIdentificationType (UID: 1100.0016, FID: 25.046) = \"AssessorUnformattedIdentifier\", provide Assessor Parcel\nNumber (APN) - ParcelIdentifier (UID: 1100.0017, FID: 25.046)\n\n• Data Source – Add type data point DataSourceIdentifier (UID: 1800.0347, FID: 25.045)\n\no Display Data Source\no When an Identifier is provided, display after the data source. (E.g., MLS 1234567)\no\n\nIf there are multiple data sources, separate each with “|”. (E.g., MLS 1234567 | Assessor Record)\n\n• Site Size - LotSizeAreaMeasure (UID: 1100.0020, FID: 25.047)\n• Sale Date - OwnershipTransferDate (UID: 1100.0018, FID: 25.048)\n• Price - OwnershipTransferTransactionAmount (UID: 1100.0019, FID: 25.049)\n\nReconciliation of Site Value - SiteEstimatedValueCommentDescription (UID: 1100.0031, FID: 25.050) is required when CostApproachIndicator\n(UID: 1000.0027, FID: Not on report) = “true” OR SiteValueIndicator (UID: 1000.0033, FID: Not on report) = “true”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 25 - 5\n\nPage 338\n\nGeneral Description\n\nThe General Description subsection always displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 339\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nCost Approach: General Description\n\n25.051\n\nCost Type\n\n1100.0024\n\nCostAnalysisType\n\nDisplays when CostApproachIndicator = “true”\n\n25.052\n\nCost Data Source\n\n0700.0125\n\nDataSourceType\n\n1100.0066\n\nDataSourceName\n\n25.053\n\nQuality Rating\n\n1100.0067\n\nDataSourceQualityRatingCode\n\n25.054\n\nEffective Date\n\n1100.0065\n\nDataSourceEffectiveDate\n\nDisplay Data Source followed by the Identifier\nWhen DataSourceType = “CostService”, do not display (display\nDataSourceName instead) (Figure 25 - 6)\n"}

chunks/json/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.json

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+{"chunk":{"char_end":14733,"char_start":13421,"chunk_id":"chk_6198681ed47523a8","chunk_index":8,"chunk_sha256":"0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_755fd4ce20691826","text_sha256":"0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Program___FHFA_rjdacs.md"]},"text":"[Modified Underserved Markets Plans](/programs/2025-2027-duty-to-serve-underserved-markets-plans)\n\n[Event Materials](/programs/duty-to-serve-resources#EventMaterials)\n\n[Enterprise Quarterly and Annual Reports](/programs/enterprise-quarterly-and-annual-reports)\n\n[Annual Housing Reports to Congress](/reports/annual-housing-report)\n\n[Questions and Answers](/programs/duty-to-serve-resources#Q-and-A)\n\n[Press Releases](/programs/duty-to-serve-resources#PressReleases)\n\n​[Annual Duty to Serve Snapshots](/programs/duty-to-serve-resources#DeveloperMaterials)\n\n​​[Duty to Serve Overview Materials](/programs/duty-to-serve-resources#DeveloperMaterials)\n\n[Proposed Rule](https://www.govinfo.gov/content/pkg/FR-2015-12-18/pdf/2015-31811.pdf)​\n\n[External Resources](/programs/duty-to-serve-resources#ExternalResources)\n\n[Requests for Input on Proposed Plan Modifications](/programs/enterprises-proposed-plan-modification-requests-revised-11-6-2023)\n\n## Contact the Duty to Serve Team\n\nQuestions on Duty to Serve? [Email us](mailto:DutyToServeStakeholders@fhfa.gov) and we'll get back to you soon.\n\n*Page Updated: 9/15/25​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n"}

chunks/json/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.json

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+{"chunk":{"char_end":44998,"char_start":43386,"chunk_id":"chk_8c52a260a3f31295","chunk_index":24,"chunk_sha256":"06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"5.11. Address Format Consideration\n\nThe address may be populated for various parties and may represent different address types.\nSystems are required to populate the complete unparsed street address (including unit, if\napplicable) in the AddressLineText data point. If the optional parsed street address MISMO data\npoints are implemented, systems are still required to populate the unparsed street address. The\nexample below illustrates how a mailing address is populated in the unparsed data points\nallocated for the address.\n\nTable 9 - Example of Unparsed Party Mailing Address\n\nContainer Name\n\nMISMO Data Point Name\n\nData Value\n\nADDRESS\n\nAddressType\n\nAddressLineText\n\nAddressAdditionalLineText\n\nMailing\n\n123 East Main Street, Apt 250\n\nCityName\n\nStateCode\n\nPostalCode\n\nCountryCode\n\nAnytown\n\nVA\n\n20191\n\nUS\n\nThe Subject Property address populated in the loan delivery XML file must accurately reflect the\nsubject property address (including unit number, if applicable) documented on the Note associated\nwith the specified mortgage loan.\n\n5.12. Supporting Extensions in MISMO Version 3.0 Reference Model\n\nWith the new requirements presented in ULDD Phase 3, some of the data is available in later\nversions of the MISMO Reference Model. In order to access this new data and structures,\nextension containers are used in the current MISMO Version 3.0 Reference Model. This will give\nULDD customers the flexibility to extend their XML documents with data points and structure that\nmeet the demographic information and Universal Loan Identifier requirements and that are not\nspecified in the MISMO v3.0 Reference Model.\n"}

chunks/json/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.json

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+{"chunk":{"char_end":13805,"char_start":12106,"chunk_id":"chk_25d73e4eee591af7","chunk_index":7,"chunk_sha256":"06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.md"]},"text":"Chairman Crapo, Ranking Member Brown, and members of the Committee, thank you for your invitation for me to discuss the critically important and timely hearing subject \"The Status of the Housing Finance System After Nine Years of Conservatorship\" and to answer any questions you may have about the...\n - Testimony\n\nJune 9, 2016\n\n## [Statement of Alfred M. Pollard, General Counsel, FHFA, before the California Legislature, Keeping Up with PACE](/news/testimony/statement-of-alfred-m.-pollard-general-counsel-fhfa-before-the-california-legislature-keeping-up)\n\nStatement before the California Legislature Assembly Banking and Finance Committee and Assembly Local Government Committee Keeping Up with PACE: A Joint Oversight Hearing on Residential Property Assessed Clean Energy (PACE) Programs Chair Dababneh, Chair Eggman, Vice Chair Allen, Vice Chair Waldron...\n - Testimony\n\nDecember 8, 2015\n\n## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. House of Representatives Committee on Financial Services](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-house-of-representatives-committee-on-0)\n\nChairman Hensarling, Ranking Member Waters, and members of the Committee, thank you for the opportunity to testify today about the Financial Stability Oversight Council (FSOC). Next month will mark the two year anniversary of my participation in FSOC. During that time, FSOC has designated one...\n - Testimony\n\nApril 7, 2015\n\n## [Statement of Alfred M. Pollard, General Counsel, FHFA, before the Nevada State Legislature Judiciary Committee](/news/testimony/statement-of-alfred-m.-pollard-general-counsel-fhfa-before-the-nevada-state-legislature-judiciary)\n"}

chunks/json/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.json

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+{"chunk":{"char_end":38037,"char_start":36434,"chunk_id":"chk_580225b30cc3f936","chunk_index":21,"chunk_sha256":"06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 22\nPage 21 of 22\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n"}

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+{"chunk":{"char_end":24417,"char_start":22579,"chunk_id":"chk_3d4b7d796ffb8f28","chunk_index":7,"chunk_sha256":"06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a","token_estimate":460,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Working closely with CFPB, the GSEs created the Uniform Closing Dataset (UCD) using Extensible Markup Language (XML).\nUCD is based on version 3.3.0 of the Mortgage Industry Standards Maintenance Organization’s (MISMO’s) Residential\nMortgage Industry Standard Data Reference Model (published on mismo.org). Lenders selling loans to either GSE are also\nrequired to submit the UCD with an embedded copy of the CD prior to loan delivery.\n\nB. UCD V2.0 SCOPE\n\n1. WHAT’S BEEN ADDED\n\nUCD EXTENSION: UCD v2.0 includes two extended data points under the FEE_DETAIL structure to add and validate fees\n(ucd:FeeItemType and\n\nin regular use when UCD v1.5 was published\n\nin December 2018\n\nthat were not\nucd:FeeItemTypeOtherDescription).\n\na. Data Points:\n\ni. MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION/DataVersionIdentifier to identify XML files based on UCD v2.0.\n\nii.\n\niii.\n\nConstructionMethodType and ConstructionMethodTypeOtherDescription to provide data for Reg Z/Qualified\nMortgage (QM) calculations.\n\ngse:QualifiedMortgageShortResetARM_APRPercent to comply with Reg Z/QM requirements.\n\nb. Attributes of MESSAGE: xmlns:mismo and xmlns:ucd\n\nc. Enumerations: 73 new valid values for ucd:FeeItemType (please see UCD v2.0 Spec Tab 9-\n\nFeeItemTypeEnumerations for details).\n\n2. WHAT’S BEEN RETIRED\n\na. Data points collecting non-real assets used as collateral.\n\nb. Data points that can be rendered on the CD, but which support loan products not purchased by the GSEs. This\nincludes the entire structure supporting payment option products, where the payment amount can change\nindependently of an index.\n\nc. Data points that can be rendered on the CD that are optional in UCD v1.5. This includes all data points that would\npopulate the SELLER’S TRANSACTION side of the Summaries of Transactions and detailed licensing information for\nparties to the transaction.\n"}

chunks/json/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.json

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+{"chunk":{"char_end":18098,"char_start":16090,"chunk_id":"chk_7d5519e8c90c6c6e","chunk_index":9,"chunk_sha256":"06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd","token_estimate":502,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"On March 23, 2023, [FHFA provided an update](/news/news-release/fhfa-announces-public-engagement-process-for-implementation-of-updated-credit-score-requirements) on the Enterprises’ implementation plans and opportunities for stakeholder engagement. FHFA and the Enterprises reiterated their commitment to working with stakeholders to ensure a smooth transition to the new credit scores and the new credit reporting requirements, in a manner that avoids unnecessary costs and complexity.\n\nAs part of the March announcement, FHFA and the Enterprises released a proposed timeline that was designed to elicit stakeholder feedback on various elements of the implementation of both the new credit score models and the updated credit reporting requirements. Additionally, the Enterprises conducted extensive outreach to stakeholders in the form of targeted discussions with a variety of market participants and engagement in industry conferences and webinars, as well as through a stakeholder survey, which generated nearly one thousand responses. Many of the themes identified by respondents included perspectives on the proposed timeline, the need for data to perform analysis of the new models and requirements, the importance of federal agency coordination, and views about mechanisms for FHFA and the Enterprises to receive feedback.\n\nOn September 11, 2023, [FHFA announced](/news/news-release/fhfa-announces-next-phase-of-public-engagement-process-for-updated-credit-score-requirements) the next phase of ongoing public engagement for the updated Enterprise credit score requirements. This engagement includes stakeholder forums and serves to identify a wide variety of issues, opportunities, and challenges related to successful implementation of the new requirements, including potential refinements to the timeline for adoption. Interested parties who wish to participate in this process should send their name, affiliation, and contact information to [CreditScores@fhfa.gov](mailto:CreditScores@fhfa.gov).\n"}

chunks/json/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.json

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+{"chunk":{"char_end":103283,"char_start":101643,"chunk_id":"chk_e011a76aa14883eb","chunk_index":57,"chunk_sha256":"06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Valid Value\nLIBOROneYearWSJ\nDaily\n\n25\n\nNotes: The index source and lookback period governing all the interest rate\nchanges for this loan are known at the time of closing and are\ncommunicated as “Index Rules.”\n\n2. Lifetime_Adjustment_Rule\n\nThe LIFE_TIME_ADJUSMENT_RULE holds the set of rules that is in place for the\nduration of the conversion option or life of the adjustable rate loan.\n\na. Convertible Loans: For convertible mortgages, the lifetime rule applies for the full\nduration of the conversion option and includes data about option length, extendibility,\nrepeatability, margin, rate caps, schedule, and type (biweekly to monthly or adjustable\nto fixed rate).\n\nb. Adjustable Rate Loans: For ARMs, the lifetime rule applies for the full duration\nof the loan and includes data about: rate caps, first rate change date, calculation type,\nrounding, and truncation.\n\nc. Adjustable Payment Loans: For loans with adjustable payments, the lifetime rule\napplies for the full duration of the loan and includes data about: payment caps, final\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 44 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nrecast instructions, number of times the note term can be extended, payment\ncalculation methods, and number of payments between adjustments.\n\nExample IV-8. Use of INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE for an\nARM.\n\nThis loan, closed on January 15, 2010, has a 5-year initial fixed interest rate of\n5.5%, with a 5/2/6 cap structure and a margin of 2.6%. There is no lifetime\nfloor.\n"}

chunks/json/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.json

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+{"chunk":{"char_end":6684,"char_start":4911,"chunk_id":"chk_539e3aaed2b154b2","chunk_index":3,"chunk_sha256":"06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190","token_estimate":444,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf"]},"text":"09.002\n\nAdditional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n\n09.003\n\nIntended User\n\n09.004\n\nThe intended user of this report is the lender/client.\n\n09.005\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nThe VA is also an intended user of this report.\n\n09.006\n\nAdditional Intended Users\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n09.007\n\nCertifications\n\nAppraiser Certifications\n\n09.008\n\nThe Appraiser certifies and agrees that:\n\n09.009\n\n1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the\nsubject property, or other parties involved in this transaction.\n\n09.010\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics\nof the area where the property is located.\n\n09.011\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n09.012\n\n4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender\nidentity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the\npresent or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other\nbasis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n"}

chunks/json/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.json

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+{"chunk":{"char_end":720763,"char_start":719132,"chunk_id":"chk_ba19ea5111081acf","chunk_index":427,"chunk_sha256":"06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"NEIGHBORHOOD\n\nBuilt-Up\nUnder 25%\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nGrowth\nRapid\n\nGrowth\nStable\n\nGrowth\nSlow\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nProperty Values\nIncreasing\n\nProperty Values\nStable\n\nProperty Values\nDeclining\n\nDemand/Supply\nShortage\n\nDemand/Supply\nIn Balance\n\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies an estimated percentage range of\navailable land in the neighborhood that\nhas been improved. FORM SPECIFIC\nFIELD\nSpecifies an estimated percentage range of\navailable land in the neighborhood that\nhas been improved. FORM SPECIFIC\nFIELD\nSpecifies an estimated percentage range of\navailable land in the neighborhood that\nhas been improved. FORM SPECIFIC\nFIELD\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb\norhoodLocationType='Urban']\n"}

chunks/json/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.json

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+{"chunk":{"char_end":57924273,"char_start":0,"chunk_id":"chk_59d10615cb09b415","chunk_index":0,"chunk_sha256":"06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae","date_utc":"2026-01-27T18:11:27+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_383def494e40fe73","text_sha256":"06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae","token_estimate":1142,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/ama_pudb_export_123111.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2011 | Loan Number: 1 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 04 | FIPSCountyCode: 013 | MSA: 38060 | FeatureID: 0000005172 | Tract: 0610.04 | MinPer: 30.15 | TraMedY: 56042 | LocMedY: 51172 | Tractrat: 1.0952 | Income: 95004 | CurAreY: 65500 | IncRat: 1.4504 | UPB: 89000 | LTV: 0.9478 | MortDate: 2011 | AcquDate: 2011 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 180 | AmorTerm: 180 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 2 | CoSex: 4 | BoAge: 40 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0463 | Amount: 89000 | Front: 0.0904 | Back: 0.3088 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 9 | PMI: 0.3 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2011 | Loan Number: 2 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277468 | Tract: 4283.02 | MinPer: 50.45 | TraMedY: 117150 | LocMedY: 68346 | Tractrat: 1.7141 | Income: 156540 | CurAreY: 92300 | IncRat: 1.696 | UPB: 434000 | LTV: 0.58 | MortDate: 2011 | AcquDate: 2011 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 57 | CoAge: 54 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0413 | Amount: 434000 | Front: 0.2352 | Back: 0.2461 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2011 | Loan Number: 3 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277566 | Tract: 4044 | MinPer: 24.43 | TraMedY: 117122 | LocMedY: 68346 | Tractrat: 1.7137 | Income: 399916 | CurAreY: 92300 | IncRat: 4.3328 | UPB: 625500 | LTV: 0.49 | MortDate: 2011 | AcquDate: 2011 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 44 | CoAge: 44 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0413 | Amount: 625500 | Front: 0.152 | Back: 0.1834 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 1 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2011 | Loan Number: 4 | FHLBankID: Boston | Pr\n"}