diff --git a/chunks/json/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.json b/chunks/json/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.json new file mode 100644 index 0000000000000000000000000000000000000000..c491afdc3f0751432d056d7b1f99442bd74f9544 --- /dev/null +++ b/chunks/json/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.json b/chunks/json/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.json new file mode 100644 index 0000000000000000000000000000000000000000..6fef5072515392d4a949a05e20c070a232e23048 --- /dev/null +++ b/chunks/json/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.json @@ -0,0 +1 @@ +{"chunk":{"char_end":275889,"char_start":274190,"chunk_id":"chk_89d92e2d1902e511","chunk_index":146,"chunk_sha256":"0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.19.2\n\nBorrower-Paid\n\n8.19.2\n\nI. Other Costs\nSubtotals (E+F+G+H)\nBorrower-Paid At\nClosing ($)\n\n8.19.2\n\nAt Closing\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SU\nBSECTION_PAYMENT\nS/INTEGRATED_DISC\nLOSURE_SUBSECTIO\nN_PAYMENT\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\nIntegratedDisclosure\nSubsectionPaymentA\nmount\n\nIntegratedDisclosure\nSubsectionPaymentTi\nmingType\n\n3642.69\n\nROF as “$3,642.69”\n\nAtClosing\n\nROF as “At Closing”\n\nSecond Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n\n8.19.3\n\nBorrower-Paid\n\n8.19.3\n\nI. Other Costs\nSubtotals (E+F+G+H)\nBorrower-Paid\nBefore Closing ($)\n\n8.19.3\n\nBefore Closing\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SU\nBSECTION_PAYMENT\nS/INTEGRATED_DISC\nLOSURE_SUBSECTIO\nN_PAYMENT\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\nIntegratedDisclosure\nSubsectionPaymentA\nmount\n\n1209.96\n\nROF as “$1,209.96”\n\nIntegratedDisclosure\nSubsectionPaymentTi\nmingType\n\nBeforeClosing\n\nROF as “Before\nClosing”\n\n1. MAPPI NG GUI DANCE\n\n8.1 | 8.4 | 8.10 | 8.16 INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL conveys the data points\nidentifying and providing totals for all the subcategories in the Other Costs table.\n\n8.19Within the fifth instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL, the value of\nIntegratedDisclosureSubsectionType identifies the Other Costs Subtotal heading.\n\n8.19.2 | 8.19.3 Two instances of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT provide the data points\nbreaking out the category total by payor (Borrower), timing (At or Before Closing) and amount . If there are no\nfees to disclose for a subtotal, the GSEs require a zero to be provided.\n"} diff --git a/chunks/json/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.json b/chunks/json/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.json new file mode 100644 index 0000000000000000000000000000000000000000..22888faf62a50ce6f7aa09023c56b79112976e9c --- /dev/null +++ b/chunks/json/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1773,"char_start":0,"chunk_id":"chk_d9813e7a708c02ab","chunk_index":0,"chunk_sha256":"054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5dacaf93322314bf","text_sha256":"054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd","token_estimate":537,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Single_Security_Initiative_and_Common_Securitizati_dvq8y.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/single-security-initiative-and-common-securitization-platform\"\ndate_accessed: \"2026-01-27T17:54:20.449Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.json b/chunks/json/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.json new file mode 100644 index 0000000000000000000000000000000000000000..3c86ebed972ca3328fd71d4fd9be532b31aeb580 --- /dev/null +++ b/chunks/json/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.json @@ -0,0 +1 @@ +{"chunk":{"char_end":141332,"char_start":139840,"chunk_id":"chk_fe4a867c70e39bd2","chunk_index":130,"chunk_sha256":"054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602","token_estimate":404,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"•\n\n“Company Name,” “Company Address” set as TXR-I, TXR\n\nRight-hand side of page\n\n•\n\n“Credentials” sets as TX-B\n\no “ID,” “State,” “Expires” set as TXR-I, TXR\n\n[Role: Appraiser and Supervisory Appraiser] (H2)\n\nSubsection repeats for each [Role] if applicable per iGuide.\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n“Name,” “Designation,” “Company Name,” “Company Address” set as TXR-I, TXR\n\n“Scope of Inspection by [Role]” sets as TX-B\n\n“Subject Property Inspection,” sets as TXR-I\n\n“Exterior,” Interior,” “Inspection Date” set as TXR-II, TXR\n\nRight-hand side of page\n\n•\n\n•\n\n•\n\n“Credentials” sets as TX-B\n\n“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR\n\n“ASC Identifier,” “VA Appraiser ID,” “FHA Appraiser ID,” “Employment Type” set as TXR-B,\nTXR\n\nSignificant Real Property Appraisal Assistance (H2)\n\nLeft-hand side of page\n\n•\n\n“Name” sets as TXR-I, TXR.\n\nRight-hand side of page\n\n•\n\n•\n\n“Credentials” sets as TX-B.\n\n“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.\n\nFull page width\n\n•\n\n“Description” sets TXC-B x 45 picas.\n\nAssignment Information and Scope of Work Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nAppendix E: Report Style Guide\n\nPage 82 of 90\n\nVersion 1.4\n\nScope of Work (H1)\n\n• Starts new page\n\n• Content sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\nAdditional Scope of Work (H2)\n\n•\n\n“Additional Scope of Work cannot be contrary to the original Scope of Work.” sets as TXC-I Myriad Pro\nItalic x 45 picas.\n\n• Text sets as TXC x 45 picas.\n"} diff --git a/chunks/json/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.json b/chunks/json/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.json new file mode 100644 index 0000000000000000000000000000000000000000..e35d750e0e14f45f0d9e793e4d25cfd6cd1c8698 --- /dev/null +++ b/chunks/json/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.json b/chunks/json/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.json new file mode 100644 index 0000000000000000000000000000000000000000..c1b01d94b4e2cdaca288a1174cc87341d0e3945c --- /dev/null +++ b/chunks/json/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.json b/chunks/json/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.json new file mode 100644 index 0000000000000000000000000000000000000000..40f94da7d4c5db4ccf075ad54c6f45c350b7ea7a --- /dev/null +++ b/chunks/json/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":107548,"char_start":105892,"chunk_id":"chk_1f7c9c7cf5d85df1","chunk_index":109,"chunk_sha256":"056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0","token_estimate":414,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Content sets as TB.\n\nCOMPARABLE TRANSFER HISTORY TABLE\n\nFull page width\n\n•\n\n“Analysis of Prior Sale and Transfer History of Comparable Sales” set as TXC-B (bold lead in to\nMyriad Pro Regular text) X 45 picas.\n\nPrior Sale and Transfer History Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n• Starts new page.\n\n•\n\n“Sales Comparison Approach” sets as TAB.\n\nSales Comparison Approach Table\n\nCell Display\n\nThere are five types of cells that can be included in the Subject and Comparable columns that make up the body\nof the table (this does not include the heading rows).\n\nType 1:\n\n9 picas 0 points wide, with a 10% Black fill (grayed out).\n\nType 2:\n\n9 picas 0 points wide, with content (TB), if applicable.\n\nType 3:\n\n5 picas 3 points wide, with content (TB), if applicable.\n\nType 4:\n\n3 picas 6 points wide, with dollar figure content (TB), when the row is adjustable.\n\nType 5:\n\n3 picas 6 points wide, with a 10% Black fill (grayed out), when the row is not adjustable.\n\nAppendix E: Report Style Guide\n\nPage 59 of 90\n\nVersion 1.4\n\nSALES COMPARISON APPROACH TABLE (PARTIAL – FOR VISUAL ONLY)\n\nIn the Subject Property column, two of the five types of cells appear.\n\nType 1: 9 picas 0 points wide, with a 10% Black fill (grayed out), no content for the following rows: “Data\n\nSource,” “Proximity to Subject,” “Sale Price,” “Transfer Terms,” “Financing Type, “Sale Date, “Sale to\nList Price Ratio,” ”Same Builder as Subject,” “Sale Price,” “Net Adjustment Total,” “Adjusted Price\nPer Unit,” “Adjusted Price Per Bedroom,” “Price Per Gross Building Finished Area,” “Price Per\nFinished Area Above Grade,” “Adjusted Price,” “Comparable Weight”\n"} diff --git a/chunks/json/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.json b/chunks/json/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.json new file mode 100644 index 0000000000000000000000000000000000000000..8b58b791c8139eaa353b93f284bbaca2d222009c --- /dev/null +++ b/chunks/json/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27739,"char_start":26803,"chunk_id":"chk_5c78b8765883072d","chunk_index":28,"chunk_sha256":"056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516","token_estimate":578,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:28)(cid:17)(cid:19)(cid:21)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:21)(cid:26)(cid:17)(cid:21)(cid:3)\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:19)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:20)(cid:19)(cid:17)(cid:21)\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:21)\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:27)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:20)(cid:27)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1)\n"} diff --git a/chunks/json/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.json b/chunks/json/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.json new file mode 100644 index 0000000000000000000000000000000000000000..2157418ac69c49c222a91db8feda169fb4f0136d --- /dev/null +++ b/chunks/json/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1267858,"char_start":1266259,"chunk_id":"chk_cac0bd2cd45aab68","chunk_index":751,"chunk_sha256":"056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Used to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n50\n\nString\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor.\n\n50\n\n50\n\nString\n\nString\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\nName\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n50\n\nString\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n"} diff --git a/chunks/json/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.json b/chunks/json/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.json new file mode 100644 index 0000000000000000000000000000000000000000..661fabe4d6890052d97ee353affc7167e6bc3914 --- /dev/null +++ b/chunks/json/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c.json b/chunks/json/05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c.json new file mode 100644 index 0000000000000000000000000000000000000000..ece4256170435849b1c7b248123cfa01427f565d --- /dev/null +++ b/chunks/json/05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584.json b/chunks/json/058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584.json new file mode 100644 index 0000000000000000000000000000000000000000..56a55105100a0cd1133945e9f03adbce0a3849a4 --- /dev/null +++ b/chunks/json/058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489.json b/chunks/json/058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489.json new file mode 100644 index 0000000000000000000000000000000000000000..b6aed0e1729275c5214a685c49d9a6a8fccfdbf8 --- /dev/null +++ b/chunks/json/058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489.json @@ -0,0 +1 @@ +{"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\n \n\ntrue\nThe 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.\nfalse\ntrue\nNeutral\n"} diff --git a/chunks/json/059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484.json b/chunks/json/059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484.json new file mode 100644 index 0000000000000000000000000000000000000000..3aaaca3ab4973c5d04312e3bdf02c258543196c6 --- /dev/null +++ b/chunks/json/059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf.json b/chunks/json/059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf.json new file mode 100644 index 0000000000000000000000000000000000000000..083fc53c584fc633cbf15d300e1ab6e06457bf03 --- /dev/null +++ b/chunks/json/059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8.json b/chunks/json/05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8.json new file mode 100644 index 0000000000000000000000000000000000000000..c36d8014b7ed21242feaa64abd1f105c5e7c663e --- /dev/null +++ b/chunks/json/05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca.json b/chunks/json/05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca.json new file mode 100644 index 0000000000000000000000000000000000000000..c2d64e94ccbe2c8f93b6cc06477eb0510305b7ed --- /dev/null +++ b/chunks/json/05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f.json b/chunks/json/05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f.json new file mode 100644 index 0000000000000000000000000000000000000000..16f4189e1868a926bc778ee72e4493db6a3babaf --- /dev/null +++ b/chunks/json/05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8.json b/chunks/json/05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8.json new file mode 100644 index 0000000000000000000000000000000000000000..9b0abb0689c78099170489ef75d6ebaedea00011 --- /dev/null +++ b/chunks/json/05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56317,"char_start":55856,"chunk_id":"chk_45a1c598fdc97124","chunk_index":88,"chunk_sha256":"05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Subject Transfer History ........................................................................................................................................................................................................... 269\n\nComparable Transfer History ................................................................................................................................................................................................... 270\n"} diff --git a/chunks/json/05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc.json b/chunks/json/05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc.json new file mode 100644 index 0000000000000000000000000000000000000000..2912946648160e57d7cff814ac8858c8e6a40384 --- /dev/null +++ b/chunks/json/05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.json b/chunks/json/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.json new file mode 100644 index 0000000000000000000000000000000000000000..4a5ee7e9ccc1cbf55ab577c8a9c65f429122e76f --- /dev/null +++ b/chunks/json/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.json b/chunks/json/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.json new file mode 100644 index 0000000000000000000000000000000000000000..3ec0b68c6e7546752396f5cda69e2667d55babf6 --- /dev/null +++ b/chunks/json/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.json b/chunks/json/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.json new file mode 100644 index 0000000000000000000000000000000000000000..7b5e5fba3b162e717f157fdf39678d343e5cc6b1 --- /dev/null +++ b/chunks/json/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134.json b/chunks/json/05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134.json new file mode 100644 index 0000000000000000000000000000000000000000..74695b3c0bdbc54fc136c3282ed95c308182ac4f --- /dev/null +++ b/chunks/json/05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134.json @@ -0,0 +1 @@ +{"chunk":{"char_end":260170,"char_start":258420,"chunk_id":"chk_4773b9394fcde9c8","chunk_index":148,"chunk_sha256":"05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"10.291 TotalSubordinateFinancingAmount\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DE\nTAIL/EXTENSION/OTHER\n\n16.015\n\ngse:SubordinateFinancingIsNewIndicator\n\nFigure 90. XML Snippet – Late Charge Data.\n\n\n…\n \n\n\n \n\n\n\nfalse\nfalse\ntrue\ntrue\nfalse\ntrue\nfalse\ntrue\nfalse\ntrue\nfalse\ntrue\nfalse\nfalse\n19000.00\n\n \n\nfalse\n\n\n \n \n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 116 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nR. LOAN IDENTIFICATION DATA\n\nFour different loan numbers can be provided in the XML file. LOAN_IDENTIFIER is required once for the Lender Loan Number,\nthen repeats up to 3 more times if additional loan identifiers are applicable to the transaction.\n"} diff --git a/chunks/json/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.json b/chunks/json/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.json new file mode 100644 index 0000000000000000000000000000000000000000..72fa2391d76d5a8ea6e829a3f53b8ce0b139668d --- /dev/null +++ b/chunks/json/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.json b/chunks/json/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.json new file mode 100644 index 0000000000000000000000000000000000000000..ec09c5b7dcdadcbfd10809ee34c42ae688909ed1 --- /dev/null +++ b/chunks/json/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17918,"char_start":15230,"chunk_id":"chk_42b858c689213b72","chunk_index":9,"chunk_sha256":"0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8535ea1710d70b24","text_sha256":"0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175","token_estimate":798,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Reports___FHFA_gp0z3l.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/991\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"\\/reports\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"better_exposed_filters\":{\"datepicker\":true,\"datepicker_options\":[]},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.json b/chunks/json/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.json new file mode 100644 index 0000000000000000000000000000000000000000..dc38da62cbca338c6607509d3010a18d7655214c --- /dev/null +++ b/chunks/json/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d.json b/chunks/json/064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d.json new file mode 100644 index 0000000000000000000000000000000000000000..cf15e0d8f2935e6ba32ff43061a67bc03f56123f --- /dev/null +++ b/chunks/json/064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":93049116,"char_start":0,"chunk_id":"chk_5ea82603645a5f44","chunk_index":0,"chunk_sha256":"064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d","date_utc":"2026-01-27T18:00:18+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_53f890001bb8b3df","text_sha256":"064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d","token_estimate":1000,"warnings":["source_path=ent_uad_puf_annual_csv_v2_1/_.csv/ent_uad_puf_2014_v2_1.csv","exceeds_max_chunk_chars_truncated"]},"text":"record_id: 1400079458000 | year: 2014 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12086 | county_fips_2020: NA | tract_fips_2010: 12086004000 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 725000 | sales_range_low: 695000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 5 | median_adjustment: 6795 | average_adjustment: 2000 | adjusted_price: 555000 | number_comparables: 3 | same_tract_percent: 60 | calculated_proximity: 0.38 | reported_proximity: 0.38 | value_sale_comparison: 555000 | value_cost: 555000 | value_income: NA | appraised_value: 555000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1400034373000 | year: 2014 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47141 | county_fips_2020: NA | tract_fips_2010: 47141000900 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 3 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 185000 | sales_range_low: 155000 | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 2 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: 1725 | average_adjustment: -3451 | adjusted_price: 165000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 1.36 | reported_proximity: 1.37 | value_sale_comparison: 165000 | value_cost: 175000 | value_income: NA | appraised_value: 165000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1\nrecord_id: 1400105755000 | year: 2014 | weight: 20 | state_fips_2010: 08 | state_fips_2020: NA | county_fips_2010: 08069 | county_fips_2020: NA | tract_fips_2010: 08069001807 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 335000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 3 | sales_range_high: 455000 | sales_range_low: 335000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 8 | median_adjustment: -1900 | average_adjustment: -1400 | adjusted_price: 345000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.34 | reported_proximity: 0.34 | value_sale_comparison: 345000 | value_cost: 335000 | value_income: NA | appraised_value: 345000 | appraisal_to_contract: 101.8 | comparison_to_contract: 101.8 | dts_rural: 2\nrecord_id: 1400040674000 | year: 2014 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06029 | county_fips_2020: NA | tract_fips_2010: 06029003124 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: 625 | average_adjustment: -1102 | adjusted_price: 175000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.28 | reported_proximity: 0.28 | value_sale_comparison: 175000 | value_cost: 155000 | value_income: NA | appraised_value: 175000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1400156463000 | year: 2014 | weight: 20 | state_fips_2010: 45 | state_fips_2020: NA | county_fips_2010: 45019 | county_fips_2020: NA | tract_fips_2010: 45019002101 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 3 | demand_supply: 3 | marketing_time: 2 | sales_range_high: 725000 | sales_range_low: 575000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 4 | bathrooms: 3 | bedrooms: 2\n"} diff --git a/chunks/json/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.json b/chunks/json/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.json new file mode 100644 index 0000000000000000000000000000000000000000..c503fcaf1ec4b28c8d003ee91978e71f6a05090b --- /dev/null +++ b/chunks/json/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.json @@ -0,0 +1 @@ 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you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.json b/chunks/json/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.json new file mode 100644 index 0000000000000000000000000000000000000000..1076fbfa713a11d66dbbbafba4237e8553768077 --- /dev/null +++ b/chunks/json/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.json b/chunks/json/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.json new file mode 100644 index 0000000000000000000000000000000000000000..e910fad969466b11afeb4b971fb8920005f0179d --- /dev/null +++ b/chunks/json/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.json b/chunks/json/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.json new file mode 100644 index 0000000000000000000000000000000000000000..45de31812af0769659adf179a21642410f6a1305 --- /dev/null +++ b/chunks/json/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f.json b/chunks/json/0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f.json new file mode 100644 index 0000000000000000000000000000000000000000..71aee4cf93dcfb3f9244f3a2ab02e0e52284a513 --- /dev/null +++ b/chunks/json/0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.json b/chunks/json/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.json new file mode 100644 index 0000000000000000000000000000000000000000..7ef33ab7cc478200c88e0040be5295b442e842eb --- /dev/null +++ b/chunks/json/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156.json b/chunks/json/0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156.json new file mode 100644 index 0000000000000000000000000000000000000000..b8aced127021dcea691eb34ceafdfd6f7004f1f3 --- /dev/null +++ b/chunks/json/0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156.json @@ -0,0 +1 @@ +{"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$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\n\nCompany Address\n\nBank of Maryland\n81 Cedar Rd\nNowhere, MD 09991\n\nJohn Appraiser\n John Appraiser Appraisal\nCompany\n381 Pine St\nAnytown, MD 09992\n\nCredentials\n"} diff --git a/chunks/json/066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac.json b/chunks/json/066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac.json new file mode 100644 index 0000000000000000000000000000000000000000..b6407bd2cffe1fe3fb8a02be54fe702c50970c40 --- /dev/null +++ b/chunks/json/066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11084,"char_start":9463,"chunk_id":"chk_1f7a6bb6a5c66931","chunk_index":6,"chunk_sha256":"066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the\nfollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133\n\n129\n\n131\n\n130\n\n132\n\nBased on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as\ndefined, of the real property that is the subject of this report is\n$ 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"} diff --git a/chunks/json/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.json b/chunks/json/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.json new file mode 100644 index 0000000000000000000000000000000000000000..e89aea3f4169c168cd69a585116cfa4e60c7b3cb --- /dev/null +++ b/chunks/json/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.json b/chunks/json/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.json new file mode 100644 index 0000000000000000000000000000000000000000..5f9b01d4f13e401878ca5207216751365882d46c --- /dev/null +++ b/chunks/json/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.json @@ -0,0 +1 @@ +{"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\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\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"} diff --git a/chunks/json/069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574.json b/chunks/json/069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574.json new file mode 100644 index 0000000000000000000000000000000000000000..20962bc9018050207bacd3476c7c76189a39e9f7 --- /dev/null +++ b/chunks/json/069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.json b/chunks/json/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.json new file mode 100644 index 0000000000000000000000000000000000000000..7620b397908a0cc99c43f29abc9d2ce5856ab40f --- /dev/null +++ b/chunks/json/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.json b/chunks/json/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.json new file mode 100644 index 0000000000000000000000000000000000000000..a68694a0be153843d2c687da396bdd99052597dd --- /dev/null +++ b/chunks/json/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.json b/chunks/json/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.json new file mode 100644 index 0000000000000000000000000000000000000000..5d328e6cccb48013948b45d1f11f1404a17b64d6 --- /dev/null +++ b/chunks/json/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.json b/chunks/json/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.json new file mode 100644 index 0000000000000000000000000000000000000000..4c78366c98e56179016e8e65874de8548989651c --- /dev/null +++ b/chunks/json/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.json b/chunks/json/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.json new file mode 100644 index 0000000000000000000000000000000000000000..a0f66ad624fbee5537ec3acce571a217fef4e95a --- /dev/null +++ b/chunks/json/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a.json b/chunks/json/06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a.json new file mode 100644 index 0000000000000000000000000000000000000000..0fc0b1f43c75ebe81509272764f1a368f76e961b --- /dev/null +++ b/chunks/json/06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.json b/chunks/json/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.json new file mode 100644 index 0000000000000000000000000000000000000000..bc9d3730beb88023a67f5302cf079bf22f8ebcf9 --- /dev/null +++ b/chunks/json/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.json b/chunks/json/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.json new file mode 100644 index 0000000000000000000000000000000000000000..90659f9914203893307081b77019457df3430158 --- /dev/null +++ b/chunks/json/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.json b/chunks/json/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.json new file mode 100644 index 0000000000000000000000000000000000000000..117a3b462c4cfe19cd607a6bbd706f70ebd2c46e --- /dev/null +++ b/chunks/json/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.json b/chunks/json/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.json new file mode 100644 index 0000000000000000000000000000000000000000..637e1d8954dd88d19728ae70322cc9b134e10c61 --- /dev/null +++ b/chunks/json/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.json b/chunks/json/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.json new file mode 100644 index 0000000000000000000000000000000000000000..a572b01d68c54170e4ae592d51ce1f7a3c251a75 --- /dev/null +++ b/chunks/json/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938.json b/chunks/json/0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938.json new file mode 100644 index 0000000000000000000000000000000000000000..52e0f9f62a23886889b8b921f4db54cdb56d3b21 --- /dev/null +++ b/chunks/json/0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11688,"char_start":9998,"chunk_id":"chk_14b602accb9e34e6","chunk_index":6,"chunk_sha256":"0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"C4\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nDetail\nEngineered Wood\n\nQuality Comment\nT-111 siding\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAdd comment if needed.\n\nMetal | Post and Pier\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nAdd comment if needed.\n\nMetal\nEstimated Age:\n20 or more years\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nRust noted on the roof.\nMetal galvanized roofs can\ndeteriorate when rust forms.\nNo ruptures or leaks noted at\nthe time of inspection.\n\nWindows\n\nInsulated\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nNone\n\nNone\n\nDetail\nTypical for Market\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nRoof\n\nLocation\nEntire Roof\n\nDescription\nRust noted on the roof. Metal galvanized roofs\ncan deteriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nDwelling Exterior Commentary\n\nUtilities were on and functioning during time of inspection.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nApparent Defects, Damages, Deficiencies - Roof\n\nThis is where the Dwelling 1 Rear photo would display.\n\nThis is where the Dwelling 1 Roof Defect photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n"} diff --git a/chunks/json/070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737.json b/chunks/json/070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737.json new file mode 100644 index 0000000000000000000000000000000000000000..bccd87ea8f15401ba79c1f356ecdd0c3ddf635bb --- /dev/null +++ b/chunks/json/070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13440,"char_start":11843,"chunk_id":"chk_c12b83990927ef1f","chunk_index":7,"chunk_sha256":"070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737","token_estimate":400,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"05.027\n\n15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\n15. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nDescription of Prior Services:\n\n05.028\n\n05.029\n\nAdditional Appraiser Certifications\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\n05.030\n\n05.031\n\nSupervisory Appraiser Certifications\n\n05.032\n\nThe Supervisory Appraiser certifies and agrees that:\n\n05.033\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n05.034\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n05.035\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\n05.036\n\n4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,\nopinions, statements, conclusions, and the appraiser’s certification.\n\n05.048\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n05.049\n"} diff --git a/chunks/json/070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9.json b/chunks/json/070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9.json new file mode 100644 index 0000000000000000000000000000000000000000..e22f6c6c94fad8f5db40f191a00575ccc2df2d78 --- /dev/null +++ b/chunks/json/070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11951,"char_start":10197,"chunk_id":"chk_14c367734dbeb325","chunk_index":5,"chunk_sha256":"070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"This Fannie Mae Implementation Guide includes the following Fannie Mae–specific requirements and\ninformation:\n\n Fannie Mae-supported enumerations (allowable values) for the corresponding MISMO data points\n\nwhen the field format is enumerated.\n\n The ULDDS Conditionality documented in Appendix D: Fannie Mae XML Data Reference lists\nConditionally Independent (CI) data points, noting differences in GSE conditionality. This\nImplementation Guide further defines CI data points as either Required (R), Condit ionally Required\n(CR), or Optional (O) for purposes of delivery to Fannie Mae; refer to diagram below.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 5 of 22\n\nAppendix D: Fannie Mae XML\nData Reference\nULDD Phase 3: ULDDS\nConditionality\n\nAppendix D: Fannie Mae XML\nData Reference\nULDD Phase 3: Fannie Mae\nConditionality\n\nMISMO Data Point Conditionality\n\nRequired (R)\n\nRequired (R)\n\nConditionally Required (CR)\n\nConditionally Required (CR)\n\nConditionally Independent (CI)\n\nOptional (O)\n\nFigure 1 - ULDDS to ULDD Conditionality Mapping\n\n\n\nImplementation notes are Fannie Mae specific and provide business requirements\nclarification.\n\n3. Introduction to MISMO Version 3.0\nMISMO is the leading technology standards development body for the residential and commercial\nreal estate finance industries. It is a wholly owned subsidiary of the Mortgage Bankers Association.\nThe MISMO standards are grounded in an open process to develop, promote, and maintain\nvoluntary electronic commerce procedures and standards that allow mortgage lenders, investors in\nreal estate and mortgages, servicers, industry vendors, borrowers, and other parties to exchange\nreal estate finance–related information and eMortgages more securely, efficiently, and\n"} diff --git a/chunks/json/072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51.json b/chunks/json/072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51.json new file mode 100644 index 0000000000000000000000000000000000000000..30ff0081bf136f218221fa456f300fff8a88a32f --- /dev/null +++ b/chunks/json/072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1210313,"char_start":1206483,"chunk_id":"chk_dc7a56ddda0115bd","chunk_index":718,"chunk_sha256":"072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51","token_estimate":958,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality\n\n340\n\n341\n\n342\n\n343\n\n344\n\n345\n\n346\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n96\n\n97\n\n98\n\n99\n\n100\n\n101\n\n102\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustment Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustment Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustment Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nAdjusted Sales Price\nPositive\n\nSales Price Total\nAdjustment Positive\nIndicator\n\nSALES\nCOMPARISON\nAPPROACH\n\nAdjusted Sales Price\nNegative\n\nSales Price Total\nAdjustment Positive\nIndicator\n\n347\n\n2\n\n103\n\nSALES\nCOMPARISON\nAPPROACH\n\nNet Adjustment\n\nSale Price Total\nAdjustment Amount\n\n348\n\n2\n\n103a\n\n349\n\n2\n\n103b\n\n350\n\n351\n\n352\n\n2\n\n2\n\n2\n\n104\n\n105\n\n106\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\n\nNet Adjustment Percentage\n\nGross Adjustment Percentage\n\nSale Price Total\nAdjustment Net\nPercent\n\nSales Price Total\nAdjustment Gross\nPercent\n\nAdjusted Sale Price of\nComparables\n\nAdjusted Sales Price\nAmount\n\nI did research the sale or transfer\nhistory of the subject property\nand comparable sales.\nI did not research the sale or\ntransfer history of the subject\nproperty and comparable sales.\n\nSales History\nResearched Indicator\n\nSales History\nResearched Indicator\n\nThe dollar amount of the adjustment\nmade for the property feature described\nby Property Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\nThe dollar amount of the adjustment\nmade for the property feature described\nby Property Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\nThe dollar amount of the adjustment\nmade for the property feature described\nby Property Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\nIndicates whether the total adjustments\nmade to the property sales price during\nthe application of the Sales Comparison\napproach were positive. This field is\nspecific to the appraisal forms.\nIndicates whether the total adjustments\nmade to the property sales price during\nthe application of the Sales Comparison\napproach were positive. This field is\nspecific to the appraisal forms.\nThe dollar value of the total adjustments\nmade to a comparable property sales\nprice during the application of the Sales\nComparison approach to determine the\nmarket value of the subject property.\n(CALCULATED RESULTS FIELD)\nThe percentage of the net sales price\nadjustments to the sales price of a\nproperty during the application of the\nsales comparison approach to property\nvaluation. (CALCULATED RESULTS\nFIELD)\nThe percentage of the gross sales price\nadjustments (i.e. sum of the absolute\nadjustment values) to the sales price of a\nproperty during the application of the\nsales comparison approach for property\nvaluation. (CALCULATED RESULTS\nFIELD)\nThe sales price of a property after it has\nbeen adjusted during the application of\nthe Sales Comparison approach for\nproperty valuation.\nIndicates that the sales or transfer history\nresearch of the subject property and\ncomparable sales was performed.\nIndicates that the sales or transfer history\nresearch of the subject property and\ncomparable sales was performed.\n"} diff --git a/chunks/json/0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657.json b/chunks/json/0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657.json new file mode 100644 index 0000000000000000000000000000000000000000..6cec662dcf27ae1f56be41929f615f387995c226 --- /dev/null +++ b/chunks/json/0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657.json @@ -0,0 +1 @@ +{"chunk":{"char_end":422278,"char_start":420555,"chunk_id":"chk_242f70f5c4658e8e","chunk_index":243,"chunk_sha256":"0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17.json b/chunks/json/0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17.json new file mode 100644 index 0000000000000000000000000000000000000000..12e2afedae36dfd6a9ec0aff7e4661aeaf287b45 --- /dev/null +++ b/chunks/json/0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17.json @@ -0,0 +1 @@ +{"chunk":{"char_end":102290,"char_start":100464,"chunk_id":"chk_74d5ce06db1a8a21","chunk_index":138,"chunk_sha256":"0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17","token_estimate":456,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 43\n\n•\n\nIf the party being referenced is a legal entity, the legal entity name must be provided in the LEGAL_ENTITY container. For example,\ncompany name of the lender or AMC are provided in the LEGAL_ENTITY/LEGAL_ENTITY_DETAIL/FullName.\n\nROLE Element\n\nWhen a PARTY plays multiple roles, e.g., lender is also the client, then both these roles must be identified in the same instance of the PARTY\ncontainer with multiple occurrences of the ROLE container. The specific role played by the party is captured in\nROLE/ROLE_DETAIL/PartyRoleType.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• When lender is also the client, the instance of the PARTY container representing lender must have two instances of the ROLE\n\ncontainer. One instance must identify ROLE/ROLE_DETAIL/PartyRoleType as “Lender”, another instance must identify\nROLE/ROLE_DETAIL/PartyRoleType as “Client”. Similarly, when AMC is the Client, or Attorney is the Client, the PARTY container must\ninclude two instances of ROLE container. The snippet provided below depicts PARTY container where “Lender” is also the “Client”.\n\nPage 44\n\n• When the borrower and property owner are the same party, deliver one instance of the PARTY container with two instances of the\n\nROLE container as shown below.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 45\n\n• When the seller and property owner are the same party, deliver one instance of the PARTY container with two instances of the ROLE\n\ncontainer as shown below.\n\nROLE container also has a choice group, and the containers that are part of this choice group are APPRAISER, PROPERTY_DATA_COLLECTOR,\nand SERVICE_PROVIDER. One of these containers must be included in an instance of the ROLE container. These containers will be leveraged\nto provide additional data specific to each PartyRoleType as specified below.\n"} diff --git a/chunks/json/075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e.json b/chunks/json/075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e.json new file mode 100644 index 0000000000000000000000000000000000000000..29207c39cd6fc79302cb8017feb49c37702a8ea0 --- /dev/null +++ b/chunks/json/075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7621,"char_start":4222,"chunk_id":"chk_9aca260149b11bdf","chunk_index":2,"chunk_sha256":"075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e","token_estimate":1114,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"- [DU for Government Loans Integration Impact Memo | Jan. 24, 2026](/media/document/pdf/du-government-loans-integration-impact-memo-jan-24-2026)\n- [DU V. 12.0 Integration Impact Memo | Nov. 15, 2025](/media/document/pdf/du-v-120-integration-impact-memo-nov-15-2025)\n- [XIS DNS/IP Address Update Integration Impact Memo | Sept. 17, 2025](/media/document/pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025)\n- [DU/DO and Income Calculator Integration Impact Memo | August 20, 2025](/media/document/pdf/du-v-120-integration-impact-memo-aug-20-2025)\n- [DU V. 12.0 Integration Impact Memo | Sept. 27, 2025](/media/document/pdf/du-v-120-integration-impact-memo-sept-27-2025)\n- [DU V. 12.0 Integration Impact Memo | July 19, 2025](/media/document/pdf/du-v-120-integration-impact-memo-july-19-2025)\n- [Credit Service Integration Impact Memo | April 30, 2025](/media/document/pdf/credit-service-integration-impact-memo-april-30-2025)\n- [DU/DO Integration Impact Memo | June 19, 2025](/media/document/pdf/dudo-integration-impact-memo-june-19-2025)\n- [DU V. 12.0 Integration Impact Memo | May 17, 2025](/media/document/pdf/du-v-120-integration-impact-memo-may-17-2025)\n- [DU/DO Integration Impact Memo | Mar. 22, 2025](https://singlefamily.fanniemae.com/media/document/pdf/dudo-integration-impact-memo-mar-22-2025)\n- [DU/DO Integration Impact Memo | Mar. 15, 2025](/media/document/pdf/dudo-integration-impact-memo-mar-15-2025)\n- [DU for Government Loans Integration Impact Memo | Jan. 25, 2025](/media/document/pdf/du-government-loans-integration-impact-memo-jan-25-2025)\n- [DU V. 12.0 Integration Impact Memo | Jan. 11, 2025](/media/document/pdf/du-v-120-integration-impact-memo-jan-11-2025)\n- [DU V. 11.1 Integration Impact Memo | July 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-july-20-2024a)\n- [DU Spec V. 1.9 Integration Impact Memo | May 28, 2024](/media/document/pdf/du-spec-v-19-integration-impact-memo-may-28-2024)\n- [Data Validation Update Integration Impact Memo | July 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-july-20-2024)\n- [DU V. 11.1 Integration Impact Memo | April 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-april-20-2024)\n- [DU V. 11.1 Integration Impact Memo | Feb. 10, 2024](/media/document/pdf/du-v-111-integration-impact-memo-feb-10-2024)\n- [DU V. 11.1 Integration Impact Memo I Nov. 18, 2023](/media/document/pdf/du-v-111-integration-impact-memo-nov-18-2023)\n- [DU V. 11.1 Integration Impact Memo I Aug. 19, 2023](/media/document/pdf/du-v-111-integration-impact-memo-aug-19-2023)\n- [DU V. 11.1 Integration Impact Memo | April 15, 2023](/media/document/pdf/du-v-111-integration-impact-memo-april-15-2023)\n- [DU for Government Loans Integration Impact Memo | Apr. 15, 2023](/media/document/pdf/du-government-loans-integration-impact-memo-apr-15-2023)\n- [DU V. 11.1 Integration Impact Memo | Feb. 25, 2023](/media/document/pdf/du-v-111-integration-impact-memo-february-25-2023)\n- [DU for Government Loans Integration Impact Memo | Nov. 19, 2022](/media/document/pdf/du-government-loans-integration-impact-memo-nov-19-2022)\n- [DU for Government Loans Integration Impact Memo | June 11, 2022](/media/document/pdf/du-government-loans-integration-impact-memo-june-11-2022)\n- [DU Spec V. 1.8.2 Update Integration Impact Memo | July 1, 2021](/media/document/pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021)\n"} diff --git a/chunks/json/07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f.json b/chunks/json/07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f.json new file mode 100644 index 0000000000000000000000000000000000000000..525db8c8523cd18b928d18e54078d445ba2620a1 --- /dev/null +++ b/chunks/json/07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":164721,"char_start":162994,"chunk_id":"chk_3f606e3c9325aa97","chunk_index":77,"chunk_sha256":"07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f","token_estimate":432,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.1 $761.78\n\n4.3.2 NO\n\n4.3.3\n\nAppendix E: UCD Implementation Guide\n\nPage 71 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 43. Principal & Interest Payment Cannot Increase\n\nTable 60. Principal & Interest Payment Cannot Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\n4.3.2\n\nCan this amount\nincrease…?\n\n…/LOAN_DETAIL\n\nPaymentIncreaseIndi\ncator\n\nfalse\n\nRepresented as\n“NO” on form\n\nb. YES—P&I PAYMENT CAN OR WI LL I NCREASE\n\nIf the Principal & Interest payment may increase after closing, the bulleted text immediately to the right of the\n“YES” answer must provide potentiality, adjustment frequency, maximum payment, and a reference to the AP\ntable” if the loan has an Interest Only feature or the payment changes independently of the rate. The payment\nterms shown in the boilerplate text are driven by the values of data provided in the XML file.\n\nIf the payment can or will increase after closing, the Payment Increase Indicator value is “true”. The next\ninformation item necessary for constructing the variable boilerplate text is whether the payment increase is\npotential—for example, for an ARM—or scheduled—as for a Step Payment (GPM) loan or a loan with an interest\nonly feature.\n\nThe figure below illustrates the case of an Adjustable Rate Mortgage, where the increase to the interest rate is\npotential. Note that because the potential changes to the payment are controlled by changes to the interest\nrate, the AP Table reference is not included (the AP Table is not required).\n"} diff --git a/chunks/json/075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3.json b/chunks/json/075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3.json new file mode 100644 index 0000000000000000000000000000000000000000..e427a2e30699af451e56ef26a8496b22afb3d477 --- /dev/null +++ b/chunks/json/075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":338122,"char_start":337351,"chunk_id":"chk_6a4be3fd5a2276d8","chunk_index":185,"chunk_sha256":"075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2. FOR MORE I NFOR MATI ON\n\n10.0: Reg §1026.38(i), pp. 80123, 80014-16.\n\n10.n.1 -10.n.4: Reg §1026.38(i)-1, 2, 3, 4, pp. 80354-55\n\n10.1: Reg §1026.38(i)(1), pp. 80123-24, 80013-16; 10.1.3 -10.1.4: Reg §1026.38(i)(1)-1, p. 80355;\n\n1026.38(i)(1)(iii)(A)-1, 2, p. 80017.\n\n10.2: Reg §1026.38(i)(2), pp. 80124, 80017; 10.2.1: Reg §1026.38(i)(2)(i)-1, p. 80355; 10.2.2: Reg\n\n§1026.38(i)(2)(iii)(B)-1, p. 80355.\n\n10.3: Reg §1026.38(i)(3), pp. 80124, 80017.\n\n10.4: Reg §1026.38(i)(4), pp. 80124, 80017-18; 10.4.2: Reg §1026. 38(i)(4)(ii)(A)-1, p. 80355; 10.4.4: Reg §1026.\n\n38(i)(4)(iii)(A)-1, p. 80355.\n\n10.5: Reg §1026.38(i)(5), pp. 80124, 80018; 10.5.2: Reg §1026. 38(i)(5)-1, p. 80355.\n\n10.6: Reg §1026.38(i)(6), pp. 80124, 80018; 10.6.2: Reg §1026. 38(i)(6)(ii)-1, p. 80355.\n"} diff --git a/chunks/json/0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9.json b/chunks/json/0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9.json new file mode 100644 index 0000000000000000000000000000000000000000..3a00038322952ace57f75cf0560dbf274b0a33f5 --- /dev/null +++ b/chunks/json/0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1634,"char_start":0,"chunk_id":"chk_4b75f197f3caac59","chunk_index":0,"chunk_sha256":"0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Single Family Scenario 3 (Standalone ADU)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of\nthe Federal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n06/27/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a detached home with a standalone accessory dwelling unit (ADU) that is an\noutbuilding. The site contains 14.19 acres. The primary unit contains 3,304 sq. ft. of finished above grade\narea, 1,344 sq. ft. of below grade finished area, and 616 sq. ft. of unfinished below grade area.\n\nThe ADU has 464 sq. ft. of above grade finished area with a full bathroom, kitchen, and living room with\nsleeping area.\n\nThe subject property has an attached two-car garage, detached two-car carport, and a four-car\ndriveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove.\n\nThe subject property is under contract and pending sale for $770,000.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\nLender (Client)\n\n•\n• Appraisal Management Company\n• Appraiser\n"} diff --git a/chunks/json/077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b.json b/chunks/json/077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b.json new file mode 100644 index 0000000000000000000000000000000000000000..9c1fdd96fd3a211f0c238d53871e08037da1b25e --- /dev/null +++ b/chunks/json/077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":416790,"char_start":414859,"chunk_id":"chk_5edb6bde96726ab4","chunk_index":232,"chunk_sha256":"077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b","token_estimate":483,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 169 of 166\n\nUAD 3.6 Policy\n\n•\n\n•\n\nIncreases to the loan amount are permitted only as necessary to cover documented increased costs of construction of\nthe property.\nIf the modification results in an increase in the original loan amount, the lender remains responsible for all standard title\ninsurance requirements. In addition, the lender must obtain an endorsement to the title insurance policy that\n\no extends the effective date of the coverage to the date of the recording of the modification agreement;\no\no\n\nincreases the amount of the policy to the original loan amount, as increased; and\nconfirms that the lien of the mortgage, as modified, continues to be a first lien.\n\nNote: Both the original construction loan amount at closing and the final modified loan amount delivered to Fannie Mae\nmust meet the loan limits currently in effect.\n\n•\n\n•\n\nThe original construction loan must be documented on Fannie Mae uniform instruments or substantially similar\ndocuments, subject to the non-standard document representations and warranties.\nThe modification must be documented on one of the following:\n\nLoan Modification Agreement (Providing for Fixed Interest Rate) (Fannie Mae Form 3179);\nLoan Modification Agreement (Providing for Adjustable Interest Rate) (Fannie Mae Form 3161); or\n\no\no\no A substantially similar document, subject to the non-standard document representations and warranties.\n\nUnderwriting Single-Closing Construction-to-Permanent Mortgages\n\nThe lender must underwrite a single-closing construction-to-permanent loan based on the terms of the permanent financing. If\nthe permanent financing terms are modified, and no longer reflect the terms on which the underwriting was based, the loan must\nbe re-underwritten, subject to certain re-underwriting tolerances. The loan data at delivery must match the data in the final\nsubmission of the loan casefile to DU.\n"} diff --git a/chunks/json/077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9.json b/chunks/json/077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9.json new file mode 100644 index 0000000000000000000000000000000000000000..0092f837785c3ac5121b2ddadf7527fb9fb880fe --- /dev/null +++ b/chunks/json/077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1608,"char_start":0,"chunk_id":"chk_0a1903b2bef2f917","chunk_index":0,"chunk_sha256":"077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: 2- to 4-Unit Scenario 2\nDocument Version 1.1\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n6/10/2025\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n9/17/2024\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a four unit home in one dwelling. The units are model matches, each with 1,190 square\nfeet with two bedrooms and two full baths. The two first floor units include a patio, while the two\nsecond floor units include a balcony.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\no Client/Lender\no Appraiser\no AMC\n\n• Construction Method: Site Built\n• Attachment Type: Detached\n• No Defects, Damages, or Deficiencies have been identified; the appraisal is made “As Is”\n• Same properties used for sales comps, rental comps, and GRM comps\n• Sales Comparison Approach\n\no\n\no\n\nIllustrates the treatment of common areas (stairwell and landings) in the Gross Building\nFinished Area row.\nIncludes a time adjustment in the Contract Date row.\n\n• Rental Information\n\no Six rental comps, two from each comparable property\n\n▪ Comps 1, 3, and 5 were first floor units and compared to subject units A and B\n▪ Comps 2, 4, and 6 were second floor units and compared to subject units C and\n"} diff --git a/chunks/json/07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d.json b/chunks/json/07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d.json new file mode 100644 index 0000000000000000000000000000000000000000..02f6c955e47a6981305171426ae407f2d5d6bccf --- /dev/null +++ b/chunks/json/07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18211,"char_start":16936,"chunk_id":"chk_fa13088d86325616","chunk_index":11,"chunk_sha256":"07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d","token_estimate":459,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"March 21, 2023\n\n## [FHLBank System at 100: Guam and Northern Mariana Islands Regional Roundtable](/news/videos/fhlbank-system-at-100-guam-and-northern-mariana-islands-regional-roundtable)\n\n![Preview image for the video \"FHLBank System at 100: Guam and Northern Mariana Islands Regional Roundtable\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - [Next](?page=1)\n - [Last](?page=4)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf.json b/chunks/json/0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf.json new file mode 100644 index 0000000000000000000000000000000000000000..da199820087bb61fc45e676b0ee5f10e28faf65a --- /dev/null +++ b/chunks/json/0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41972,"char_start":40135,"chunk_id":"chk_6d21778eabbc57df","chunk_index":29,"chunk_sha256":"0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf","token_estimate":459,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"19\n\nSection 1: Borrower Information\nThis section is used to provide information on the applicant.\n\n1a. Personal Information\nIn the redesigned Form 1003 each borrower will provide their name starting with First, Middle, Last and\nSuffix. For DU to pull a credit report, the First Name and Last Name must always be provided. Middle and\nSuffix are optional with Suffix being a new data point for DU. The redesigned Form 1003 will ask for the\nborrower’s alternate name following the same order as indicated in the Name field. The data in the Loan\nApplication Submission file will follow the schema which is in alphabetical order (First, Last, Middle, and\nSuffix). For more information on this subject, refer to Chapter 1, Identify Data Issues.\n\nEach borrower must enter their Social Security Number or Individual Taxpayer Identification Number\n(ITIN), provide their date of birth, and indicate their legal status (U.S. Citizen, etc.).\n\nMarital Status\nEach borrower may indicate their marital status. For an unmarried borrower with a partner, lenders may\npresent the Unmarried Addendum to the borrower.\n\nContact Information\nTelephone information should not include letters or special characters. International phone numbers may\nbe added without special characters (e.g., “+”, etc.). This information is conditional for DU but optional for\nGovernment loans. The email address is optionally collected, if provided.\n\nBorrower’s Address\nIf a borrower has been at their current address for less than two years, the previous address information\nshould be provided. Mailing address can be provided if it is different from the current address. A borrower\nwill need to indicate if they own the property, pay rent or if they live rent free, indicating no primary housing\nexpense (i.e., they do not pay rent to anyone). DU will collect this information.\n"} diff --git a/chunks/json/0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79.json b/chunks/json/0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79.json new file mode 100644 index 0000000000000000000000000000000000000000..d08ea7ccca28ccb64acec01e3b6d541ffbea3509 --- /dev/null +++ b/chunks/json/0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10233,"char_start":8643,"chunk_id":"chk_076041b759787583","chunk_index":5,"chunk_sha256":"0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc3d7c283d7ddef8","text_sha256":"0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Contact_Us___FHFA_npuaxm.md"]},"text":"*Please note: that all mail sent to FHFA via the post office is routed through a security process that may delay the delivery by approximately two weeks. For time sensitive correspondence, please plan accordingly.​​​*\n\n## Click a Service to Visit their Contact Page:\n\n- Image\n\n![Analysis Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/analysis.png?h=a7ffc51c&itok=fa7YlGBk)\n\n[Submit a Data and Research Request](/contact/data-and-research)\n\n- Image\n\n![Doing Business with us Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/business_0.png?h=a7ffc51c&itok=C_keQLYu)\n\n[Doing Business with Us](/contact/business)\n\n- Image\n\n![question and comment icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/question-mark.png?h=a7ffc51c&itok=-jiC5Bqe)\n\n[Submit a General Question or Comment](/contact/general)\n\n- Image\n\n![Rule Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/document.png?h=a7ffc51c&itok=qwNf1V5e)\n\n[Comment on Rulemaking](/regulation/federal-register)\n\n- Image\n\n![Translations Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/languages_1_0.png?h=a7ffc51c&itok=GorGwUcY)\n\n[Mortgage Translations Questions and Comments](/contact/mortgage-translations)\n\n- Image\n\n![Discussion Topics Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/speak.png?h=a7ffc51c&itok=YDb2S9sj)\n\n[Public Input](/public-input)\n\n​**Job Applicants**\n\nFor vacancy announcements visit [Careers](/about/careers), [USA Jobs](http://www.usajobs.gov/) or contact the Office of Human Resources Management at 202-649-3807.\n"} diff --git a/chunks/json/0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf.json b/chunks/json/0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf.json new file mode 100644 index 0000000000000000000000000000000000000000..4cf853fb01949ec9ce88f773839793d73dde2f5b --- /dev/null +++ b/chunks/json/0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4851,"char_start":3223,"chunk_id":"chk_23f93eef119765d7","chunk_index":2,"chunk_sha256":"0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"PropertyPhoto\n\n\\\\Images\\MH1_DwellingFront.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\MH1_DwellingFront.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\MH1_PropertyAccess.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\MH1_SalesCompMap.png\n\nimage/png\n\nAgricultural - Barn\n\nNonResidentialUse\n\n\\\\Images\\MH1_Barn.png\n\nimage/png\n\nFloorPlan\n\n\\\\Images\\MH1_Floorplan.png\n\nimage/png\n\nWaterFrontage\n\n\\\\Images\\MH1_Waterfront.png\n\nimage/png\n\nLake Virginia\n\nSiteInfluence\n\n\\\\Images\\MH1_Waterfront.png\n\nimage/png\n\nView\n\n\\\\Images\\MH1_Waterfront.png\n\nimage/png\n\nPower Lines\n\nView\n\n\\\\Images\\MH1_PowerLines.png\n\nimage/png\n\nSiteInfluence\n\n\\\\Images\\MH1_PowerLines.png\n\nimage/png\n\nPier\n\nPermanentWaterfrontFeature\n\n\\\\Images\\MH1_Pier.png\n\nimage/png\n\nDock\n\nPermanentWaterfrontFeature\n\n\\\\Images\\MH1_Dock.png\n\nimage/png\n\nWoods\n\nView\n\n\\\\Images\\MH1_Woods.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\MH1_DwellingRear.png\n\nimage/png\n\nFoundation\n\nManufacturedHomeExhibit\n\n\\\\Images\\MH1_Foundation.png\n\nimage/png\n\nRetailer's Invoice\n\nManufacturedHomeExhibit\n\n\\\\Images\\MH1_RetailersInvoice.png\n\nimage/png\n\nManufacturer's Invoice\n\nManufacturedHomeExhibit\n\n\\\\Images\\MH1_ManufacturerInvoice.png\n\nimage/png\n\nOutbuildingExhibit\n\n\\\\Images\\MH1_Barn.png\n\nimage/png\n\nOutbuildingExhibit\n\n\\\\Images\\MH1_RecRoomGarage.png\n\nimage/png\n\nRecreation Room\n\nOutbuildingExhibit\n\n\\\\Images\\MH1_RecreationRoom.png\n\nimage/png\n\nHome Value\n\nPriceTrendGraph\n\n\\\\Images\\MH1_HomeValue.png\n\nimage/png\n\n5 Year Trend\n\nPriceTrendGraph\n\n\\\\Images\\MH1_5YearTrend.png\n\nimage/png\n\nLandComparableMap\n\n\\\\Images\\MH1_LandCompMap.png\n\nimage/png\n\nManufacturedHomeHUDCertificationLabel\n\n\\\\Images\\MH1_HUDCertificationLabel1.png\n"} diff --git a/chunks/json/078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473.json b/chunks/json/078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473.json new file mode 100644 index 0000000000000000000000000000000000000000..94103ef9870337c4142773208b1efa4cf17e1e3b --- /dev/null +++ b/chunks/json/078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30126,"char_start":28475,"chunk_id":"chk_c99cd10b844675d6","chunk_index":10,"chunk_sha256":"078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"a. Repeatable Containers\n\nThe XML File Container tables reflect MISMO conventions for organizing and repeating sets of data. The most obvious\nillustration is for repeatable containers. A plural parent container enables and holds multiple sequential occurrences of its\nsingular child container. Because they can occur multiple times according to trading partner specifications, these singular\ncontainers are said to be “repeatable”.\n\nRepeating containers are used heavily in UCD v2.0 because they often hold a group of data points reflecting one CD line\nitem, for example, a fee line item. Because ucd:FeeItemType can only be present once in FEE_DETAIL, and FEE_DETAIL can\nonly be present once in FEE, each unique ucd:FeeItemType enumeration in a given transaction requires its own instance of\nFEE. Diving deeper, a repeating container can be the parent of other repeating containers. For example, each instance of FEE\n\n1 Except for in chapters noted in the second paragraph of II.A. Document Organization.\n\nUCD v2.0 Implementation Guide\n\n- 3 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nII. I-Guide Format\n\nhas the child FEE_PAYMENTS. FEE_PAYMENT holds data points identifying the payor entity, when paid relative to closing, and\nassociated amount(s). Multiple instances of FEE_PAYMENT are provided when the payment was shared by more than one\nentity or a portion was paid before and at closing. At least one and up to five sequential instances are provided.\n\nTable 1. XML File Containers Supporting Data.\n\nUCD UIDs\n\nContainer Names\n\nUCD v2.0 Usage Notes\n\n▪ The UCD Spec Unique ID\n\n▪ Containers are listed in order of the XML file, without\n"} diff --git a/chunks/json/07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330.json b/chunks/json/07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330.json new file mode 100644 index 0000000000000000000000000000000000000000..fc8bfd9e591da38778dc7d448dbd0e8e962bd92a --- /dev/null +++ b/chunks/json/07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4678,"char_start":3976,"chunk_id":"chk_f8e0006085fc108c","chunk_index":2,"chunk_sha256":"07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05e2c791205bfad3","text_sha256":"07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330","token_estimate":176,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-21-2023.pdf","below_target_min_tokens"]},"text":"For More Information\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\nMore information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.\nAdditionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should\ncontact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers\nshould contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage\nbrokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342).\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n1.4.23\n\n2 of 2\n"} diff --git a/chunks/json/07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9.json b/chunks/json/07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9.json new file mode 100644 index 0000000000000000000000000000000000000000..81697b18eeb148e7bfe0197749ddf02f7cd322af --- /dev/null +++ b/chunks/json/07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39447,"char_start":37139,"chunk_id":"chk_6854dd46b020cc28","chunk_index":20,"chunk_sha256":"07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9","token_estimate":577,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Enterprises. See FHFA 2010 Order, 75 FR at 41188.\nHowever, on further consideration, FHFA will now\nadd Note Amount to the PUDB to identify the\nsubset of seasoned loans purchased by the\nEnterprises where there is a difference between the\nNote Amount and the UPB at the time of purchase.\n\npercentage to at least three decimal\nplaces.50 Interest Rate is currently\ndisclosed in the PUDB Single-Family\nNational File C in bins of 0.5 percent.\nInterest Rate will be disclosed in the\nPUDB Single-Family Census Tract File\nas the actual note rate to at least three\ndecimal places, consistent with the\nRegulation C definition and CFPB\nPrivacy Guidance.51\n\nConstruction Method and Total Units:\nThe HMDA Property Type data element\nwas disaggregated in 2018 by Regulation\nC into two new data elements:\nConstruction Method; and Total Units.52\nProperty Type previously had values for\nManufactured Home, Multifamily, and\nSingle-Family Home (1–4 Units, Other\nThan Manufactured). The new HMDA\nConstruction Method and Total Units\ndata elements provide a clearer\ndisclosure of the type of housing and\nnumber of units. Construction Method\nindicates Site Built or Manufactured\nHome. Total Units indicates the number\nof units. There are no longer values for\nMultifamily or Single-Family Home,\nalthough ‘‘multifamily’’ is defined\nelsewhere in Regulation C as ‘‘five or\nmore individual dwelling units.’’ 53\n\nThe Property Type data element is\ncurrently disclosed in the PUDB Single-\nFamily Census Tract File, aligned with\nthe previous Regulation C definition. In\naddition, the PUDB Single-Family\nNational Files A and B already publish\na data element named Number of Units,\nwhich corresponds to the HMDA Total\nUnits data element. These existing data\nfields will be changed in the PUDB\nSingle-Family Census Tract File to\nconform with HMDA by adding a new\nConstruction Method field and\ndisclosing Number of Units in the\nCensus Tract File. Construction Method\nwill be disclosed without modification,\nin conformance with the CFPB Privacy\nGuidance.54 Number of Units will be\ndisclosed as 1, 2, 3, or 4 units for single-\nfamily loans. Number of Units will also\ncontinue to be disclosed in the PUDB\nSingle-Family National Files A and B.\nLoan Term: Loan Term is a new\nHMDA data element that discloses the\nnumber of months until the loan reaches\n"} diff --git a/chunks/json/079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20.json b/chunks/json/079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20.json new file mode 100644 index 0000000000000000000000000000000000000000..245febf7ad94921fb7d1890812c566818e49d7db --- /dev/null +++ b/chunks/json/079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20.json @@ -0,0 +1 @@ +{"chunk":{"char_end":90737,"char_start":88670,"chunk_id":"chk_dda7b1c0986bccab","chunk_index":46,"chunk_sha256":"079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20","token_estimate":515,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"…ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE\n\n4.008\n\nCeilingRatePercent\n\n4.009\n\nCeilingRatePercentEarliestEffectiveMonthsCount\n\n4.012\n\nFirstRateChangeMonthsCount\n\n11.058\n\nFloorRatePercent\n\n11.056 MarginRatePercent\n\n12.0000\n\n181\n\n61\n\n2.5000\n\n2.5000\n\n…ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHAN\nGE_ADJUSTMENT_RULE\n\n4.010\n\nAdjustmentRuleType\n\n11.079\n\nPerChangeMaximumIncreaseRatePercent\n\n4.011\n\nPerChangeRateAdjustmentFrequencyMonthsCount\n\nFirst\n\n2.0000\n\n36\n\nProvide this value to identify the\nfirst adjustment after closing\n\n…ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHAN\nGE_ADJUSTMENT_RULE\n\n4.010\n\nAdjustmentRuleType\n\nSubsequent\n\nProvide this value to identify\nsubsequent adjustments after\nclosing\n\n11.079\n\nPerChangeMaximumIncreaseRatePercent\n\n2.0000\n\n4.011\n\nPerChangeRateAdjustmentFrequencyMonthsCount\n\n36\n\nUCD v2.0 Implementation Guide\n\n- 33 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 25. XML File Snippet - Example of ARM Data.\n\n\n…\n \n\n\n \n\n\n\n\n\n\n \n\nOther\n 30DayAverageSOFR\n\n\n \n \n\n12.0000\n 181\n 61\n 2.5000\n 2.5000\n \n \n \n First\n 2.0000\n 36\n"} diff --git a/chunks/json/07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8.json b/chunks/json/07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8.json new file mode 100644 index 0000000000000000000000000000000000000000..8946d0605f0b85fde65b3a3114328fd26afda46e --- /dev/null +++ b/chunks/json/07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1402,"char_start":0,"chunk_id":"chk_36443a6222c8a2e1","chunk_index":0,"chunk_sha256":"07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a5fe176585c8ad4c","text_sha256":"07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8","token_estimate":351,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-august-17-2024.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1 August Update\n\nJuly 17, 2024\n\nDuring the weekend of Aug. 17, 2024, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1. The change will apply to\nDU Version 11.1 loan casefiles submitted or resubmitted on or after the weekend of Aug. 17, 2024.\n\nDU Eligibility Assessment Update\n\nSince the release of DU 11.1 in February of 2023, certain loan casefiles for loans securing properties that support affordable supply\nwithin their market receive an exemption from obtaining an Approve/Ineligible recommendation due to a combination of product\nfeatures and risk factors being present. To determine if a loan is eligible for this exemption, the appraised value needs to be\nprovided to DU. To enable more loan casefiles to receive this exemption earlier in the process, DU will be updated to use the sales\nprice to make this determination when an appraised value is not provided on a purchase transaction.\n\nNote: The difference between the sales price and the appraised value when an appraised value is provided may result in a\nchange in the DU recommendation.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender.\n\n© 2024 Fannie Mae.\n\n7.17.24\n\n1 of 1\n"} diff --git a/chunks/json/07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a.json b/chunks/json/07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a.json new file mode 100644 index 0000000000000000000000000000000000000000..a24c80f27e6fba809a26f22756abfdd27671fdaa --- /dev/null +++ b/chunks/json/07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2316,"char_start":0,"chunk_id":"chk_c0e14e4e7bfc1d32","chunk_index":0,"chunk_sha256":"07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a","date_utc":"2026-01-27T17:55:20+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_15a6945731784a82","text_sha256":"07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a","token_estimate":579,"warnings":["source_path=GSE_UAD_3.6.0_v1.3/GSE_UAD_3.6.0_v1.3/readme.txt"]},"text":"Uniform Appraisal Dataset (UAD) 3.6 Schema v1.3 ZIP File\n\nThis ZIP file contains the Uniform Appraisal Dataset (UAD) 3.6 schema that is consistent with the larger MISMO 3.6 schema. However, it is specific to UAD 3.6 (e.g., the enumerated values included for a given “Type” element are those specific to UAD and may be a subset of the MISMO 3.6 set of values).\n\nThe file includes the following:\n\n1. \"Individal\" subfolder: This folder contains nine XML schema definition (XSD) files. These XSD files define the UAD 3.6 schema.\n2. \"Combined\" subfolder: This folder is functionally identical to the \"Individual\" folder, except that the nine XSD files are combined into three files.\n3. This readme.txt file.\n\nAssign the \"GSE_UAD_3.6.0_v1.3.xsd\" schema (in either the Combined or the Individual folders) to any UAD 3.6 .xml file to validate it.\n\nThe XSD files included in this ZIP file define the various containers, elements, and attributes of the UAD 3.6 schema.\n\nChanges made for v1.2:\n\n1. Removed nillable = \"true\" from the following data elements: DocumentType, ServiceType, and ValuationSoftwareVendorName. (Change #2023-072)\n2. Updated the definition of the FreddieMacCHOICEHome enumerated value. (Change #2023-041)\n3. Updated the definition for FactoryBuiltCertificationExaminedIndicator. (Change #2023-041)\n4. Removed \"Other\" as an enumerated value from the ProjectParkingSpaceAssignmentType. (Change #2023-032)\n5. Removed the ProjectParkingSpaceAssignmentTypeOtherDescription as 'Other' is no longer supported enumeration of ProjectParkingSpaceAssignmentType. (Change #2023-032)\n6. Removed the following data elements: PropertyConformsToSurroundingAreaIndicator, PropertyNonConformingToSurroundingAreaDescription, PropertyNonConformingToSurroundingAreaReasonType, and PropertyNonConformingToSurroundingAreaReasonTypeOtherDescription. (Change #2023-031)\n7. Removed the following containers: PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASON, PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASONS, PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASON_EXTENSION, and PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASONS_EXTENSION. (Change #2023-031)\n8. Removed \"DetachedGarage\" as an enumerated value from OutbuildingType. (Change #2023-017)\n9. Removed supported enumerated definitions from CarStorageAttachmentType. (Change #2023-047)\n"} diff --git a/chunks/json/07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82.json b/chunks/json/07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82.json new file mode 100644 index 0000000000000000000000000000000000000000..2ab6b01ec3b3ea95f6360253bb41458cd544ef8d --- /dev/null +++ b/chunks/json/07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11491,"char_start":9892,"chunk_id":"chk_af52ad553a0c3d2c","chunk_index":6,"chunk_sha256":"07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 5 of 30\nPage 5 of 30\n\nSite (continued)\n\nView - Woods\n\nThis is where the Woods photo would display.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 30\nPage 6 of 30\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\n3-4 Ft.\n2019\nManufactured\nNone\n\nThis is where the Subject Property photo would display.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 30\nPage 7 of 30\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC1\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nVinyl\n\nFoundation\n\nRoof\n\nPoured Concrete | Crawl\nSpace | Pier with Tie Down\n\nComposition\nEstimated Age: Less than\n1 year\n\nQuality Comment\nStandard building plans and\nmaterials\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\n30 year composition shingle\n\nNew or Like New\n\nCondition Comment\n\nFoundation is a new poured\nconcrete footing to support\npiers.\n\nWindows\n\nVinyl\n\nInsulated\n\nNew or Like New\n\nCore Heating System Below Grade\n\nYes No\n \n\nMechanical System Details\n\nHeating\n\nCooling\n"} diff --git a/chunks/json/07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f.json b/chunks/json/07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f.json new file mode 100644 index 0000000000000000000000000000000000000000..49b54498cadf54edf9ab1e82b6e6b6058afcce67 --- /dev/null +++ b/chunks/json/07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11965,"char_start":10216,"chunk_id":"chk_9a34354362b408d7","chunk_index":6,"chunk_sha256":"07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617da7ffffdf3019","text_sha256":"07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Affordable_Housing___Community_Investment___FHFA_57mm4d.md"]},"text":"[2022 FHLBank Targeted Mission Activities Report​](/sites/default/files/2024-02/2022-FHLBank-Targeted-Mission-Activities-Report.pdf)\n\n**Affordable Housing Program (AHP)**\n\nFrom 1990, when the AHP was authorized, through 2023, the FHLBanks have awarded approximately $8 billion in funding, supporting approximately 1.1 million housing units. On November 20, 2018 FHFA issued a final rule amending its regulation on the FHLBanks' Affordable Housing Program. To learn more about AHP click [here](/programs/affordable-housing-program).\n\n**Community Investment Program (CIP)**\n\nIn 2023, the FHLBanks issued approximately $4.2 billion in Community Investment Program advances for housing projects and almost $270.7 million for economic development projects. To learn more about CIP click [here](/node/12561#CIP).\n\n**Community Investment Cash Advance (CICA)**\n\nIn 2023, the FHLBanks issued approximately $2.6​ billion in Community Investment Cash Advance advances for such projects as commercial, industrial, manufacturing, social services, and public facilities. To learn more about CICA click [here](/programs/affordable-housing-program#CICA).\n\n**Community Support Program (CSP)**\n\nThe FHLBank Act requires FHFA to establish standards of community investment or service for members of the FHLBanks to maintain continued access to long-term FHLBank advances. The CSP requires each FHLBank member (except for non-depository CDFIs) to submit a Community Support Statement to FHFA once every two years. The Community Support Statement serves to document a FHLBank member's Community Reinvestment Act of 1977 (CRA) performance and support of first-time homebuyers. To learn more about CSP click [here](/programs/community-support-program-and-cdfi-membership).\n"} diff --git a/chunks/json/07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263.json b/chunks/json/07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263.json new file mode 100644 index 0000000000000000000000000000000000000000..90b20e7f637343833bcd1f6e89882418ddab2d73 --- /dev/null +++ b/chunks/json/07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6416,"char_start":4819,"chunk_id":"chk_b6e4a21d3368f2fe","chunk_index":3,"chunk_sha256":"07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"AssessorUnformattedIdentifier\n\n1234-56-7891-000\n\nAlternativePropertyIdentifier\n\nUS-51061-N-1234567891000-R-N\n\nUniversal Property Identifier\n\nTrashRemoval\n\nfalse\n\nfalse\n\nFence\n\nOutdoorAccessories\n\n400\n\nWood\n\nDeck\n\n351\n\nConcrete\n\nPorch\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nWholeHome\n\nOther\n\nMedia Room\n\n\\\\Images\\SF1_MediaRoom.png\n\nimage/png\n\nOther\n\nWet Bar\n\nMiscellaneous\n\nRoof\n\ntrue\n\nRoof is significantly worn and has damaged flashing, but no apparent active leaks.\n\n1500\n\nOther\n\nSection of Roof\n\nRepair\n\nDamaged Flashing\n\n\\\\Images\\SF1_RoofDefect.png\n\nimage/png\n\nFlooring\n\nfalse\n\nCarpet is stained in one corner of the Dining Room.\n\nOther\n\nDining Room\n\nNone\n\nDamaged Flooring\n\n\\\\Images\\SF1_FloorDefect.png\n\nimage/png\n\nItemized\n\n1500\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nfalse\n\nfalse\n\nC4\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\n489000\n\n2019-09-17\n\ntrue\n\ntrue\n\nTypicallyMotivated\n\n5000\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nLocal\n\ntrue\n\nPublicStreet\n\ntrue\n\nfalse\n\nfalse\n\nSteep grade is less marketable.\n\nTopography\n\nAdverse\n\nRolling\n\nTypical residential subdivision\n\nBordering\n\nResidential\n\nNeutral\n\n14950\n\n1\n\nPublic\n\nElectricity\n\nPublic\n\nGas\n\nPublic\n\nSanitarySewer\n\nPublic\n\nWater\n\nNeutral\n\ntrue\n\nFull\n\nResidential\n\nResidential - 10 Dwelling Units per Acre\n\nR10\n\nLegal\n\n241 Rapid Creek Ln\n\nTreeville\n\n12345\n\nVA\n\nDriveway\n\nAsphalt\n\n2\n\nfalse\n\nBuiltIn\n\nGarage\n\n2\n\nWalk Up\n\nBelow Grade Exterior Access\n\n2000\n\nSalesComparableAdditionalAdjustableComparisonItem\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSiteSize\n\n0\n"} diff --git a/chunks/json/07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481.json b/chunks/json/07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481.json new file mode 100644 index 0000000000000000000000000000000000000000..9f67952044a1acb779dad72ca40b9d6ffee179cd --- /dev/null +++ b/chunks/json/07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481.json @@ -0,0 +1 @@ +{"chunk":{"char_end":352583,"char_start":350948,"chunk_id":"chk_b060736787baf40f","chunk_index":195,"chunk_sha256":"07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Limited Review—Established condo project\n\nFull Review—New condo project\n\nFull Review—Established condo project\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 135 of 166\n\nUAD 3.6 Policy\n\nProject Type Code\n\nDescription\n\nFannie Mae-approved condo or PUD project, including those that\n\nhave an approved by Fannie Mae status in CPM,\n\nare approved through PERS,\n\nreceive a CPM Approved by Fannie Mae message in DU\n\nFHA-approved condo project\n\nCondo project review waived - for certain project and transaction types\n\nFull Review—Co-op project\n\nFannie Mae-approved co-op project, including those approved through PERS\n\nT\n\nU\n\nV\n\n1\n\n2\n\nSpecial Feature Code\n\nDescription\n\n588\n\nDetached Condominium Unit\n\nUsed to identify detached units in an attached or detached condominium project\n\nCPM ID Delivery Requirements\n\nLenders are required to deliver the CPM ID number in the field for \"FNM Condominium Project Manager Project Identifier\" (Sort ID\n39) in ULDD for the following projects:\n\n• projects that require the use of CPM; and\n•\n\nFannie Mae-approved projects that are delivered as Type T for condos or PUDs, or Type 2 for co-ops.\n\nLenders are encouraged to include the condo or co-op’s HOA or Project IRS Federal Tax Identification Number (TIN) in the loan file\nand in CPM.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 136 of 166\n\nUAD 3.6 Policy\n\nExpiration for Project Reviews\n\nProject reviews must meet the following timeline requirements.\n\nProject Review Process Employed\n\nExpiration of Project Review\n\n•\n•\n\nLimited Review\nFull Review for Established Projects\n\nMust have been completed within one year prior to the\nnote date\n"} diff --git a/chunks/json/07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba.json b/chunks/json/07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba.json new file mode 100644 index 0000000000000000000000000000000000000000..82f415d29b06fc0b20e2141f6224a9ede09df50a --- /dev/null +++ b/chunks/json/07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":422710,"char_start":421104,"chunk_id":"chk_b9140519c6e1f10e","chunk_index":329,"chunk_sha256":"07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 332\n\n▪\n\nIf not provided, do not display\n\n• Effective Age displays as a range or a single number. EffectiveAgeYearsCount is mutually exclusive with\n\nEffectiveAgeRangeHighYearsCount and EffectiveAgeRangeLowYearsCount.\n\no Display the Age Range\n\n▪ EffectiveAgeRangeHighYearsCount (UID: 0300.0037, FID: 25.020)\n\n▪ EffectiveAgeRangeLowYearsCount (UID: 0300.0038, FID: 25.020)\n▪ When (ImprovementType = \"Dwelling\" AND CostApproachIndicator = \"true\" AND EffectiveAgeYearsCount is not\n\nprovided)\no Display the Age\n\n▪ EffectiveAgeYearsCount (UID: 0300.0039, FID: 25.020)\n\n▪ When (ImprovementType = \"Dwelling\" AND CostApproachIndicator = \"true\" AND EffectiveAgeRangeHighYearsCount is\n\nnot provided AND EffectiveAgeRangeLowYearsCount is not provided)\n• Commentary on Effective Age - EffectiveAgeDescription (UID: 0300.0036, FID: 25.022) may be provided\n\no Display when (ImprovementType = \"Dwelling\" AND CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true” AND\nExists) OR (ImprovementType = \"Dwelling\" AND CostApproachIndicator = \"false\" AND GovernmentAgencyAppraisalIndicator =\n\"true\")\n\n▪\n\nIf not provided, do not display\n\nDepreciated Cost - Outbuilding - [Outbuilding Type]\n\nThe Depreciated Cost - Outbuilding subsection displays when CostApproachIndicator = \"true\" AND ImprovementType = \"Outbuilding\".\n\nOutbuilding Type\n\n• Outbuilding Type - OutbuildingType (UID: 0300.0025, FID: 25.023) displays in the subsection header.\n\no The table repeats for each outbuilding.\n\no Outbuilding Type is defined, when applicable, in the Outbuilding section.\n\no The outbuilding must be linked through an arcrole.\n"} diff --git a/chunks/json/07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6.json b/chunks/json/07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6.json new file mode 100644 index 0000000000000000000000000000000000000000..4c9f5371aaeaaf350e9e5cbb0116e56662a3b87c --- /dev/null +++ b/chunks/json/07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":747902,"char_start":746257,"chunk_id":"chk_30eee552d0f21376","chunk_index":443,"chunk_sha256":"07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If utilities are present, at least one of fields 1-\n105, 1-106 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-107 (Site\nUtility Non Public Description).\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 135 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\n107\n\nPROJECT SITE\n\nUtilities\nGas\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/\n@_NonPublicDescription\n\n113\n\n114\n\n115\n\n116\n\n117\n\n118\n\n119\n\n120\n\n121\n\n122\n\n123\n\n124\n\n125\n\n126\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n108\n\nPROJECT SITE\n\n109\n\nPROJECT SITE\n\n110\n\nPROJECT SITE\n\n111\n\nPROJECT SITE\n\n112\n\nPROJECT SITE\n\n113\n\nPROJECT SITE\n\nUtilities\nWater\nPublic\n\nUtilities\nWater\nOther\n\nUtilities\nWater\nOther (describe)\n\nUtilities\nSanitary Sewer\nPublic\n\nUtilities\nSanitary Sewer\nOther\n\nUtilities\nSanitary Sewer\nOther (describe)\n\n114\n\nPROJECT SITE\n\nOff-site Improvements - Type\nStreet\n\n115\n\nPROJECT SITE\n\n116\n\nPROJECT SITE\n\nStreet\nPublic\n\nStreet\nPrivate\n\n117\n\nPROJECT SITE\n\nOff-site Improvements - Type\nAlley\n\n118\n\nPROJECT SITE\n\n119\n\nPROJECT SITE\n\nAlley\nPublic\n\nAlley\nPrivate\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n"} diff --git a/chunks/json/07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621.json b/chunks/json/07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621.json new file mode 100644 index 0000000000000000000000000000000000000000..628bb9933a465e850b033ad3bc24eaaf54d077b7 --- /dev/null +++ b/chunks/json/07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621.json @@ -0,0 +1 @@ +{"chunk":{"char_end":328442,"char_start":326790,"chunk_id":"chk_8c246c831d0337d5","chunk_index":192,"chunk_sha256":"07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the project was\nconverted into the current Project\nOwnership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_ClassificationType='PUD' and\n@_ConversionIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n450\n\n3\n\n55\n\nPROJECT\nINFORMATION\n\nPUD\nIf yes, date of conversion\n\nProject Conversion\nDate\n\nSpecifies the date the project was\nconverted into the current Project\nOwnership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/@_ConversionDate\n\n12\n\nDate/Time\n\nData Format(s)\nyyyy-mm-dd or yyyy-mm or yyyy\n\nPDF Display Format(s)\ndd/mm/yyyy or mm/yyyy or yyyy\n\n451\n\n3\n\n56\n\nPROJECT\nINFORMATION\n\n452\n\n3\n\n57\n\nPROJECT\nINFORMATION\n\nPUD\nDoes the project contain\nany multi-dwelling\nunits?\nYes\n\nPUD\nDoes the project contain\nany multi-dwelling\nunits?\nNo\n\nProject Contains\nMultiple Dwelling\nUnits Indicator\n\nIndicates that the project contains\nmultiple dwelling-units.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_ContainsMultipleDwellingUnitsIndicat\nor='Y']\n\nProject Contains\nMultiple Dwelling\nUnits Indicator\n\nIndicates that the project contains\nmultiple dwelling-units.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_ContainsMultipleDwellingUnitsIndicat\nor='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n453\n\n3\n\n58\n\nPROJECT\nINFORMATION\n\nPUD\nMulti-Dwelling Unit\nData source(s)\n\nProject Contains\nMultiple Dwelling\nUnits Data Source\nDescription\n\nA free-form text field used to describe\nthe source of the information used to\nset the Project Contains Multiple\nDwelling Units Indicator.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/@_ContainsMultipleDwellingUnitsDataS\nourceDescription\n\n100\n\nString\n\n454\n\n3\n\n59\n\nPROJECT\nINFORMATION\n\nPUD\nAre the units, common\nelements, and recreation\nfacilities complete?\nYes\n"} diff --git a/chunks/json/07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc.json b/chunks/json/07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc.json new file mode 100644 index 0000000000000000000000000000000000000000..2ca33a1fb4601ca58a50338bf50be4babb21c388 --- /dev/null +++ b/chunks/json/07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23846,"char_start":22236,"chunk_id":"chk_e5137f27f89f4485","chunk_index":13,"chunk_sha256":"07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"SF NFC\n\n17\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n6\n\n16\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File C\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nrepurchased_pct\n\nPercent Repurchased\n\nExample of data format: 0.8500 =\n85.0%.\n9999.0 = Not available\n\nThe percentage of the outstanding balance of\nthe security collateralized by the high-cost\nloan that the Enterprise repurchased during\nthe calendar(cid:3)year(cid:3)and(cid:3)held(cid:3)at(cid:3)year-end.(cid:3)Where\nthe Enterprise did not repurchase any portion\nof the security (portfolio flag = 1), the value will\nbe 0.(cid:3)Where the Enterprise repurchased(cid:3)all(cid:3)of(cid:3)\nthe security (portfolio flag = 2), the value will\nbe 1.(cid:3)Where the Enterprise repurchased(cid:3)a(cid:3)\nportion of the security collateralized by the\nhigh-cost loan (portfolio flag = 2), the value will\nbe the percentage of the security repurchased\nby the Enterprise represented as a decimal\nbetween 0 and 1.\n\nEnd of SF NFC\n\nSF NFC\n\n18\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n1\n\n2\n\n3\n\n8\n\n2\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\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\nrecord_num_sf_ctf\n\nRecord Number\n\nstate_fips\n\nUS Postal State Code\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\nSee the STATE/COUNTY file for a list of\nState codes and names.\n00 = Missing\n"} diff --git a/chunks/json/07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca.json b/chunks/json/07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca.json new file mode 100644 index 0000000000000000000000000000000000000000..5a1a9ed70b30d9557b91ad69e3125d919d0562ad --- /dev/null +++ b/chunks/json/07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64576,"char_start":62972,"chunk_id":"chk_200b5166259b6095","chunk_index":34,"chunk_sha256":"07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Notes: The attribute MISMOReferenceModelIdentifier is used in three different\n\ncontainers. It is important to link the attributes used more than once in the\nReference Model to their containers to accurately convey their meaning.\nThe GSEs are using MISMOReferenceModelIdentifier only as an attribute\nof MESSAGE.\n\nD. Arc Roles\n\nSee Section VI. V3.0 Reference Model Features Not Used in the ULDDS.\n\nE. Deprecated Data Points and Containers\n\nSee Section VI. V3.0 Reference Model Features Not Used in the ULDDS.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 24 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nIV. Using the MISMO V3.0 Reference Model\n\nThe MISMO V3.0 Reference Model consists of two underlying XML schema documents,\nMISMO_3_0.xsd and xlink.xsd, as well as the accompanying LDD described in the preceding\nsection. This section describes some of the foundational concepts of the V3.0 Reference\nModel in terms of the GSEs’ intended use.\n\nFigure IV-1. Questions Answered by a Graphical View of the MISMO v3.0 Reference Model.\n\n What categories of data are contained within the Reference Model?\n\n Where in the Reference Model can you find a given data category?\n\n What are the relationships among the different data categories?\n\n What data points are included within each category?\n\n Where in the Reference Model can you find a specific data point?\n\n\n\nIs a data category used more than once in the Reference Model?\n\n Can a group of data within a category repeat?\n"} diff --git a/chunks/json/07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703.json b/chunks/json/07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703.json new file mode 100644 index 0000000000000000000000000000000000000000..b2b2510cb208693f6a4cdc7d6fc815175a8ed1dc --- /dev/null +++ b/chunks/json/07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9846,"char_start":7107,"chunk_id":"chk_87010bfdb3f29d74","chunk_index":4,"chunk_sha256":"07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bd409e86684619b1","text_sha256":"07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703","token_estimate":683,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Non_Performing_Loan_Sales_Report___U_S__v3kpd5.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Enterprise Non-Performing Loan Sales Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Enterprise Non-Performing Loan Sales Report\n\nReport Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n"} diff --git a/chunks/json/07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5.json b/chunks/json/07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5.json new file mode 100644 index 0000000000000000000000000000000000000000..11a2a9a74f8c1efa3a39c7900ac6b9e52f60a99c --- /dev/null +++ b/chunks/json/07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":440718,"char_start":439115,"chunk_id":"chk_c4388695b4856d2c","chunk_index":258,"chunk_sha256":"07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n1\n\n1\n\n1\n\n1\n\n20\n\n22\n\n10\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nString\n\nString\n\nDate/Time\n\nBoolean\n\nBoolean\n\n127\n\nPROJECT SITE\n\nAre the utilities and off-site\nimprovements typical for the\nmarket area? If No, describe\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nUtilitiesAndOffSiteImprovementsConformToNeighborhood']/@_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n128\n\nPROJECT SITE\n\n129\n\nPROJECT SITE\n\n130\n\nPROJECT SITE\n\nAre there any adverse site\nconditions or external factors\n(easements, encroachments,\nenvironmental conditions, land\nuses, etc.)? Yes\n\nAre there any adverse site\nconditions or external factors\n(easements, encroachments,\nenvironmental conditions, land\nuses, etc.)? No\n\nAre there any adverse site\nconditions or external factors\n(easements, encroachments,\nenvironmental conditions, land\nuses, etc.)? If Yes, describe\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nAdverseSiteConditions' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nAdverseSiteConditions' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n"} diff --git a/chunks/json/07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92.json b/chunks/json/07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92.json new file mode 100644 index 0000000000000000000000000000000000000000..1b239817d1beadeb4823ab2f544dd2552941f430 --- /dev/null +++ b/chunks/json/07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92.json @@ -0,0 +1 @@ +{"chunk":{"char_end":526301,"char_start":524689,"chunk_id":"chk_ef1f8a7e4924f40e","chunk_index":312,"chunk_sha256":"07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"22.03.01\n22.03.18\n\nSite Owned in\nCommon\n\n22.03.02\n22.03.20\n\nSite Size\n\n22.03.03\n22.03.22\n\nNeighborhood\nName\n\nWhen Site\nOwned in\nCommon is No\nfor the subject\nor any\ncomparable,\nor if relevant.\n\nIf relevant\n\n22.03.04\n22.03.24\n\nZoning\nCompliance\n\nIf relevant\n\nIf relevant\n\nAlways required\n\nYes | No\n\nSubject Property\n•\n\nSite Owned in\nCommon 3.015\n\nYes\n22.03.19\n\nRequired if Site Owned\nin Common is No\n\nNumber of acres,\nsquare feet,\nhectares, or\nsquare meters\n\nSite\n•\n\nTotal Site Size\n4.000\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nSubject Property\n•\n\nNeighborhood\nName 3.003\n\nSite\n•\n\nZoning Compliance\n4.008\n\nYes\n22.03.23\n\nYes\n22.03.25\n\nYes\n22.03.21\n\nThis row must be included when Site Owned in Common is No for the\nsubject or any comparable.\n\nThis row may be included when making land adjustments between a mix\nof properties where Site Owned in Common is not consistent among the\nsubject and the comparables.\n\nNote: Neighborhood name may not apply in some areas, such as rural\nareas. In this case, enter None when the row is included in the sales\ncomparison grid.\n\n•\n•\n•\n•\n\nIllegal\nLegal\nLegal Nonconforming\nNo Zoning\n\nNote: If the subject is Legal Nonconforming, including this row can\ndemonstrate marketability.\n\nSite\n•\n\nHazard Zone 4.047\n\nYes\n22.03.27\n\n•\n•\n•\n•\n\nFEMA Special Flood Hazard Area\nUSGS Lava Flow Zone\nNone (No Hazard Zone Noted)\nOther (Describe)\n\nHazard Zone When the\n\nAlways required\n\n22.03.05\n22.03.26\n\n22.03.05\n22.03.26\n\nsubject or any\ncomparable is\nin a Hazard\nZone\n\nHazard Zone When the\n\n22.03.06\n22.03.28\n"} diff --git a/chunks/json/07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03.json b/chunks/json/07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03.json new file mode 100644 index 0000000000000000000000000000000000000000..1aa5d33ba73e5aee0bf1c33c788a2f66eecbc82e --- /dev/null +++ b/chunks/json/07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11349,"char_start":9750,"chunk_id":"chk_9d6f6a217b97bf2d","chunk_index":6,"chunk_sha256":"07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.xml/Coop1_Appraisal_v1.3.xml"]},"text":"595000\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nPurchase\n\nPropertyTaxAbatementsOrExemptions\n\nShareholders of the XYZ Apartments project are currently participating in a energy efficiency incentive program for property owners. The program is designed to help make energy efficiency more affordable in the form of tax abatement incentives that will be paid over the next two years. Moreover, the program helps reduce the reliance on utility-generated electricity and encourages the use of renewable energy sources. This has no impact to marketability or value.\n\nNeutral\n\nTransferFeeAttributedToSubjectProperty\n\nThere is a private transfer fee that is paid at settlement. There is no impact to marketability, the transfer fee is a typical fee paid in this market for cooperative transfers.\n\nNeutral\n\nProjectCommercialSpace\n\nThere is a small dry cleaner located on project premises.\n\nNeutral\n\nSingleEntityGreatestNumberOfSharesOwned\n\nAdd comment if needed.\n\nNeutral\n\nProjectConversion\n\nAdd comment if needed.\n\nNeutral\n\nIncompleteProject\n\nShareholders of the XYZ Apartments Project have agreed to participate in the Urban Tree Foundation's campaign to plant 60 trees throughout the project's common areas. As of the effective date of the appraisal there were only 12 of the 60 trees planted, making the common areas incomplete. There's no measurable impact to value or marketability due to the incomplete project. The completion of the tree planting is anticipated to occur over the next 30 days.\n\nNeutral\n\nAssignment\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n"} diff --git a/chunks/json/081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0.json b/chunks/json/081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0.json new file mode 100644 index 0000000000000000000000000000000000000000..ce5de7d53696b53c37189bb83a54adb9c6b18ba1 --- /dev/null +++ b/chunks/json/081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":786060,"char_start":784459,"chunk_id":"chk_d4281bd1385d8a1a","chunk_index":468,"chunk_sha256":"081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 357 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nSales Comparison Approach\n\nIn these examples, Comparable #1 is a model match, to demonstrate how the square footages and Summary calculations (Adjusted Price Per Unit,\nAdjusted Price Per Bedroom, and Price Per Gross Building Finished Area) would display in the sales grid.\n\nExample 2A: Unfinished Below Grade Area\nIn the Dwelling(s) subsection, Gross Building Finished Area includes the area of each unit (1,607\nSq. Ft.), and the common stairwells including the area under the stairs (386 sq. ft.).\n\nExample 2B: Finished Below Grade Area\n\nIn the Dwelling(s) subsection, Gross Building Finished Area includes the finished below grade area\n(1,800 sq. ft.), the area of each unit (1,607 sq. ft.), and the common stairwells including the area\nunder the stairs (386 sq. ft.).\n\nIn the Unit(s) subsection, the first floor unit includes the unfinished below grade area with\nexterior entry only, and the second floor unit does not.\n\nIn the Unit(s) subsection, neither unit includes the finished below grade area.\n\nIn the Summary subsection, the above information is incorporated into the calculations. For\nexample, Price Per Finished Area Above Grade = Sale Price ($425,000) / (Gross Building Finished\nArea (3,600) = $118.\n\nIn the Summary subsection, the above information is incorporated into the calculations. For example,\nPrice Per Finished Area Above Grade = Sale Price ($425,000) / (Gross Building Finished Area (5,400) =\n$79.\n\nAppendix F-1: URAR Reference Guide\n\nPage 358 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"} diff --git a/chunks/json/0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b.json b/chunks/json/0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b.json new file mode 100644 index 0000000000000000000000000000000000000000..c48ab535a00e6d0b7d15ad10e7abf2750b0b002b --- /dev/null +++ b/chunks/json/0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":552105,"char_start":550431,"chunk_id":"chk_fe273ccd2ff97be7","chunk_index":318,"chunk_sha256":"0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller\nconcessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was\ndetermined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.\n\nMarket Exhibits\n\nAbsorption Rate\n\nThis is where the Absorption Rate graph would display.\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 14 of 22\nPage 14 of 22\n\nMarket (continued)\n\nMedian Days on Market\n\nPrice Trend\n\nThis is where the Median Days on Market graph would display.\n\nThis is where the Price Trend graph would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nListing ID\nXYZ 0387300\n\nStart Date\n06/20/2019\n\nEnd Date\n09/08/2019\n\nDOM\n79\n\nTotal DOM 79\n\nStarting\nList Price\n$825,000\n\nCurrent or\nFinal List Price\n$799,900\n\nAnalysis of Subject Property Listing History Subject was listed on June 20th, 2019, with list price of $825,000 and was listed for 40 days. On\nJuly 31st, 2019, the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $765,000, which is approximately 7% below\nthe original list price and within 5% of the final list price.\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n"} diff --git a/chunks/json/083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42.json b/chunks/json/083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42.json new file mode 100644 index 0000000000000000000000000000000000000000..16872e812a25e805a09b56d8df1cdca48790f689 --- /dev/null +++ b/chunks/json/083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69736,"char_start":68017,"chunk_id":"chk_fd3b0d5b5e93ee63","chunk_index":41,"chunk_sha256":"083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42","token_estimate":430,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Rights Type\nOther Description\n\nA free form text field used to collect\nadditional information when Other is\nselected for Property Rights Type.\n\n/VALUATION_RESPONSE/PROPERTY/@_R\nightsTypeOtherDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nThis field should be populated if field 1-30\n(Property Rights Type = 'Other') is indicated.\n\nSUBJECT\n\nAssignment Type\nPurchase Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@Appra\nisalPurposeType='Purchase']\n\nSUBJECT\n\nAssignment Type\nRefinance Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@Appra\nisalPurposeType='Refinance']\n\nSUBJECT\n\nAssignment Type\nOther\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@Appra\nisalPurposeType='Other']\n\n9\n\n9\n\n9\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nSUBJECT\n\nAssignment Type\nOther (describe)\n\nSUBJECT\n\nLender/Client\n\nSUBJECT\n\nLender/Client Address\n\nAppraisal Purpose\nType Other\nDescription\nLender Unparsed\nName\n\nAppraisal Forms\nLender Unparsed\nAddress\n\nA free form text field used to collect\nadditional information when Other is\nselected for Appraisal Purpose Type.\nThe name of the party or entity\ndesignated as the lender for the loan.\nThe unparsed address of the lender.\nGenerally includes the street address,\nsuite number, city, state and zip code.\nFORM SPECIFIC FIELD\n"} diff --git a/chunks/json/0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6.json b/chunks/json/0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6.json new file mode 100644 index 0000000000000000000000000000000000000000..ac32a1ed37e40b0c723530fe256271531698621f --- /dev/null +++ b/chunks/json/0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12052,"char_start":10375,"chunk_id":"chk_76da58d9bee5ddf6","chunk_index":6,"chunk_sha256":"0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc369abd05ecb9dc","text_sha256":"0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Advisory_Bulletins___FHFA_6rseul.md"]},"text":"August 25, 2021\n\n## [Framework for Adversely Classifying Loans, Other Real Estate Owned, and Other Assets and Listing Assets for Special Mention](/advisory-bulletin/ab-2021-03)\n - Federal Home Loan Banks\n\nAugust 16, 2021\n\n## [Agency Commercial Mortgage-Backed Securities Risk Management](/advisory-bulletin/ab-2021-02)\n - Fannie Mae, Freddie Mac\n\nDecember 11, 2020\n\n## [Enterprise Risk Management Program](/advisory-bulletin/ab-2020-06)\n - Fannie Mae, Freddie Mac\n\nAugust 21, 2020\n\n## [Enterprise Cybersecurity Incident Reporting](/advisory-bulletin/ab-2020-05)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n\nAugust 20, 2020\n\n## [Financial Reporting and Disclosure and External Audit](/advisory-bulletin/ab-2020-04)\n - Federal Home Loan Banks\n\nJuly 20, 2020\n\n## [Guidance on the Use of Proxies](/advisory-bulletin/ab-2020-03)\n - Federal Home Loan Banks\n\nJanuary 31, 2020\n\n## [Acquired Member Assets Risk Management](/advisory-bulletin/ab-2020-01)\n - Fannie Mae, Freddie Mac\n\nOctober 3, 2019\n\n## [Compliance Risk Management](/advisory-bulletin/ab-2019-05)\n - Fannie Mae, Freddie Mac\n\nSeptember 18, 2019\n\n## [Enterprise Fraud Reporting](/advisory-bulletin/ab-2019-04)\n - Federal Home Loan Banks\n\nAugust 15, 2019\n\n## [Capital Stock Management](/advisory-bulletin/ab-2019-03)\n - Federal Home Loan Banks\n\nMay 9, 2019\n\n## [Implementation of Streamlined Monitoring Requirements for Affordable Housing Program Projects Funded by Certai...](/advisory-bulletin/ab-2019-02)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n\nMay 7, 2019\n\n## [Business Resiliency Management](/advisory-bulletin/ab-2019-01)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n"} diff --git a/chunks/json/08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22.json b/chunks/json/08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22.json new file mode 100644 index 0000000000000000000000000000000000000000..fcf8ba0c4c84f4e33aa636f57d2862d0463a12ed --- /dev/null +++ b/chunks/json/08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22.json @@ -0,0 +1 @@ +{"chunk":{"char_end":42369,"char_start":41895,"chunk_id":"chk_eb8591469c0beecf","chunk_index":64,"chunk_sha256":"08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22","token_estimate":437,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Detail ........................................................................................................................................................................................................................................ 206\n\nMechanical System Details ....................................................................................................................................................................................................... 208\n"} diff --git a/chunks/json/086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c.json b/chunks/json/086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c.json new file mode 100644 index 0000000000000000000000000000000000000000..7fd453ea44d00e5c20c152a86d8f33d5263f0c59 --- /dev/null +++ b/chunks/json/086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1743,"char_start":0,"chunk_id":"chk_8c5d6601d9a19f10","chunk_index":0,"chunk_sha256":"086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a6c2e782647dd4dd","text_sha256":"086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac___FHFA_q1tdy.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/fannie-mae-and-freddie-mac\"\ndate_accessed: \"2026-01-27T17:47:56.216Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69.json b/chunks/json/08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69.json new file mode 100644 index 0000000000000000000000000000000000000000..594838df3c94bf65dbd8779219a34e679af247fd --- /dev/null +++ b/chunks/json/08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24576,"char_start":22718,"chunk_id":"chk_326771cf5f39d33d","chunk_index":11,"chunk_sha256":"08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69","token_estimate":465,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Both\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n© 2025 Fannie Mae\n\n12.10.2025\n\n6 of 7\n\nCode\n\nWhole\nLoan/MBS\n\n874\n\nBoth\n\n877\n\nBoth\n\n880\n\nBoth\n\n881\n\nBoth\n\n884\n\nBoth\n\nDescription/Definition\n\nDTS LLPA Waiver\nUsed to waive LLPAs for eligible Duty to Serve (DTS) loans if total qualifying income of all\nborrowers is less than or equal to 100% of the applicable area median income limit for the\nsubject property’s location.\nDelivery is optional – code is auto-derived\n\nAddress Confidentiality Program\nUsed to identify loans where a borrower has enrolled in, or unenrolled in, a state Address\nConfidentiality Program. The seller/servicer must provide both the property address and an\nalternate mailing address for these loans.\n\nLender SPCP\nUsed to identify a loan originated under a lender’s Special Purpose Credit Program that meets\nstandard Fannie Mae guidelines or a variance that is not part of Fannie Mae’s SPCP.\n\nZero Energy Ready Home Certification for Green Bonds\nUsed to identify a mortgage loan secured by a property with a Department of Energy Zero\nEnergy Ready Home green building certification.\n\nHomeReady VLIP LLPA Credit\nUsed to identify a HomeReady VLIP (very low-income purchase) loan where the lender\nprovides the borrower down payment or closing cost assistance and Fannie Mae provides an\nLLPA credit back to the lender.\n\n886\n\nBoth\n\nFirst-Generation Homebuyer Loan\nUsed to identify a loan where all borrowers meet the first-generation homebuyer requirements.\n\n887\n\nBoth\n\nBuilder Standby Commitment with Permanent Buydown\nUsed to identify a loan where a builder standby commitment (also known as a forward\ncommitment) has been used to reduce the interest rate to the borrower.\n(Note: This SFC is only related to builder standby commitments and does not apply to loans\nwhere the rate was reduced due solely to the payment of discount points.)\n"} diff --git a/chunks/json/088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4.json b/chunks/json/088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4.json new file mode 100644 index 0000000000000000000000000000000000000000..0527f170403770313591b0c2b88ecbb9bd8d4909 --- /dev/null +++ b/chunks/json/088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37000,"char_start":36499,"chunk_id":"chk_172a867a9ad328f9","chunk_index":59,"chunk_sha256":"088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4","token_estimate":456,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Header Text ......................................................................................................................................................... 80\n\nFooter Text .......................................................................................................................................................... 80\n\nSubject Property ............................................................................................................................................ 80\n"} diff --git a/chunks/json/08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4.json b/chunks/json/08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4.json new file mode 100644 index 0000000000000000000000000000000000000000..4b13266840f0825224ac5e3d803e18488da82579 --- /dev/null +++ b/chunks/json/08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":708,"char_start":0,"chunk_id":"chk_77626a7878ca0ef4","chunk_index":0,"chunk_sha256":"08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1453951449302f45","text_sha256":"08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4","token_estimate":177,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-collection-solution-maintenance-window-change-integration-impact-memo.pdf","below_target_min_tokens"]},"text":"UCD Integration Impact Memo\n\nOct. 5, 2023\n\nImpact Memo Details\n\nEffective\nDate\n\nNov. 4\n\nImpacted Area\n\nMaintenance\nWindow Change\n\nDescription\n\nStarting Nov. 4, the maintenance window for the UCD Collection Solution will change to align\nwith other Delivery application maintenance windows. The UCD Collection Solution will now be\navailable every day, 24 hours a day, except from 5 p.m. ET Saturday to 8 a.m. ET Sunday due to\nmaintenance.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems will be available 24 hours a day, except from 5 p.m. ET Saturday to 8 a.m. ET Sunday due to maintenance.\nDowntime should be expected during the maintenance window.\n\n© 2023 Fannie Mae 10.15.23 Page 1 of 1\n"} diff --git a/chunks/json/08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca.json b/chunks/json/08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca.json new file mode 100644 index 0000000000000000000000000000000000000000..e2f88f3c5cd25c9ac09f33e6d739c6b76eddb32d --- /dev/null +++ b/chunks/json/08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":124270,"char_start":122603,"chunk_id":"chk_5474d4c9e9e220d0","chunk_index":71,"chunk_sha256":"08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca","token_estimate":417,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes (the property is in a condominium, cooperative, or condop)\nNo (the property is not in a condominium, cooperative, or condop)\n\nRequired if Property in\na Project is Yes\n\nChoose an\nallowable answer\nfrom table (Project\nLegal Structure)\n\nCheckboxes are checked based on Project Legal Structure\n•\n•\n•\n\nCondominium\nCooperative\nCondop\n\nAlways required\n\nYes | No\n\nIndicates whether the property is on Native American Lands.\n\nIdentification of appraisals for properties located on Native American Lands\nprovides the GSEs the ability to recognize these properties for special loan\nproducts that support lending to members of federally recognized indigenous\ntribes in tribal areas and Hawaiian Home Lands.\n\nNote: If Yes, Native American Lands Type (3.021) must be provided.\n\n3.015\n\nSubject Site\nOwned in\nCommon\n\nAlways required\n\nYes | No\n\n3.016\n\nHomeowner\nResponsible for\nall Exterior\nMaintenance of\nDwellings\n\n3.017\n\nNew\nConstruction\n\nAlways required\n\nYes | No\n\nAlways required\n\nYes | No\n\nSite Owned in Common: Indicates whether land associated with the property is\nowned by an association, such as a condominium project, cooperative, or\ncondop.\n•\n\nYes (the land supporting the dwelling is commonly owned through an\nassociation such as a condo, co-op or condop).\nNo (the homeowner owns or leases the land sole and separate from\nanother entity).\n\n•\n\nNote: For site condos, select No for Site Owned in Common, and Condominium\nfor Project Legal Structure.\n\nIndicates whether the homeowner is responsible for all exterior maintenance\nof the dwelling(s) on the property.\n\nSubject Property Commentary (3.032) can be used to clarify specific\nmaintenance responsibilities if needed.\n"} diff --git a/chunks/json/08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63.json b/chunks/json/08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63.json new file mode 100644 index 0000000000000000000000000000000000000000..3a9caeed0d13ab88137e366ac3ce5e98284a75b3 --- /dev/null +++ b/chunks/json/08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63.json @@ -0,0 +1 @@ +{"chunk":{"char_end":427562,"char_start":425948,"chunk_id":"chk_1c445730be9ee4dd","chunk_index":332,"chunk_sha256":"08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o Mutually exclusive with physical depreciation, external depreciation, and functional depreciation. Deliver even\nif the value is zero.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 335\n\n• This is an aggregate number representing the sum of physical, functional, and external depreciation.\n\n• Manufactured Home Delivery Installation and Setup - ManufacturedHomeInstallationCostAmount (UID: 1100.0083, FID: 25.035)\n\ndisplays when\n\no CostApproachIndicator = \"true\" AND ConstructionMethodType = \"Manufactured\"\n\n- Cannot be delivered as 0.\n\n• Total – Display ImprovementEstimatedTotalCostAmount (UID: 1100.0084, FID: 25.036) when CostApproachIndicator = \"true\" AND\n\nImprovementType = \"Outbuilding\".\n\no Calculated for the outbuilding as follows: ((sum of all 'ReplacementOrReproductionCostAmount') +\n\n'ManufacturedHomeInstallationCostAmount' (if applicable) -\n((DepreciationPhysicalAmount + DepreciationFunctionalAmount + DepreciationExternalAmount) or DepreciationTotalAmount))\n\nAs-Is Value of Site Improvements\n\nThe As-Is Value of Site Improvements subsection displays when Amount - SiteImprovementAsIsCostAmount (UID: 1100.0035, FID: 25.038) is\nnot null.\n\n• Site Improvements can be itemized as individual amounts and descriptions or provided as an aggregate amount and description.\n• Description - SiteImprovementDescription (UID: 1100.0036, FID: 25.037) must be provided for each Amount -\n\nSiteImprovementAsIsCostAmount (UID: 1100.0035, FID: 25.038). (Figure 25 - 4)\n\no When sent individually each instance of amount and description will appear on separate lines in the table.\no Cannot be delivered as zero.\n"} diff --git a/chunks/json/08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68.json b/chunks/json/08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68.json new file mode 100644 index 0000000000000000000000000000000000000000..27c64b0190f3a6049395fc2db4a98eef3de96550 --- /dev/null +++ b/chunks/json/08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68.json @@ -0,0 +1 @@ +{"chunk":{"char_end":624887,"char_start":623193,"chunk_id":"chk_c247c4019be6aeee","chunk_index":359,"chunk_sha256":"08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n\n6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this\nappraisal update report and concur with the analysis and conclusions in the original appraisal.\n\n7. I performed this appraisal update 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\nupdate was prepared.\n\n8. I have updated the appraisal by incorporating the original appraisal report by reference.\n\n9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file.\n"} diff --git a/chunks/json/08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155.json b/chunks/json/08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155.json new file mode 100644 index 0000000000000000000000000000000000000000..edf3bf75fc611dd05efb530dccd7a6f3a7cafdc5 --- /dev/null +++ b/chunks/json/08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155.json @@ -0,0 +1 @@ +{"chunk":{"char_end":579265,"char_start":577641,"chunk_id":"chk_203040f6cb9db8dd","chunk_index":333,"chunk_sha256":"08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nSignature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n09/08/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nSingle Family Scenario 5 (SF5)\n\nIntroduction\n\nThis report is for a single-family detached ranch-style home with 1,260 square feet on one level. There is\na driveway and a deck.\n\nKey Characteristics\n\n•\n\n•\n•\n•\n•\n•\n•\n\nParties associated with this transaction:\n\no Client/Lender\no Appraiser\n"} diff --git a/chunks/json/08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d.json b/chunks/json/08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d.json new file mode 100644 index 0000000000000000000000000000000000000000..5a84e631acf5b105dc48727c619cecd08adbfbd1 --- /dev/null +++ b/chunks/json/08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":369031,"char_start":367411,"chunk_id":"chk_414c85ec5d6fa7c4","chunk_index":218,"chunk_sha256":"08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Gravity Air\n\nMini Split\n\nPassive Solar\n\nRadiant\n\nRadiators\n\nStove\n\nA system that employs gravity to move warm air throughout the structure.\n\nA ductless system designed to heat certain spaces or rooms within the structure.\n\nA system that uses solar energy to heat a fluid, either liquid or air, and then transfer the solar heat directly to an interior\narea or to a storage system for later use.\nNote: Solar panels that produce electricity are reported in the Energy Efficient and Green Features section (6.001), and\nnot here.\n\nA system that supplies heat directly to the floor or to panels in the wall or ceiling of a house.\n\nA system that boils water in a central unit and moves steam to a radiator in an individual room or space.\n\nNote: Only select this answer if the stove is designed to be used as a source of heat.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 155 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nCooling\n\nOutbuilding: Mechanical System Details - Cooling\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n12.016 Cooling (System) Required if the\n\nYes | No\n\n12.016 Cooling (System)\n\noutbuilding contains\nADU(s)\n\nIf Cooling System\nExists is Yes\n\nDefinition / Additional Guidance\n\nCooling System Exists: Indicates whether there is a permanent cooling system in\nthe structure.\n•\n\nIf No, “None” displays.\n\nChoose one or\nmore allowable\nanswers from\ntable (Cooling\nSystem Type)\n\nCooling System Type\n•\nCentralized\n•\nIndividual\n•\nOther (Describe)\n\nCooling System Type (Choose one or more)\n"} diff --git a/chunks/json/08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8.json b/chunks/json/08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8.json new file mode 100644 index 0000000000000000000000000000000000000000..9b841ed6922e0e62f943b4bf527f5409cad0a750 --- /dev/null +++ b/chunks/json/08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19977,"char_start":18379,"chunk_id":"chk_cce92503d55074e6","chunk_index":11,"chunk_sha256":"08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"SubjectListing\n\nSubject was listed on June 20th, 2019 with list price of $825,000 and was listed for 40 days. On July 31st, 2019 the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $770,000, which is 7% below the original list price.\n\nOverallQualityAndCondition\n\nThe exterior was recently painted, and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 given the interior condition of the primary dwelling and ADU.\n\nSubjectPriorSalesAndTransferHistory\n\nThe following improvements have occurred since the prior sale of the subject: kitchen, full bath and half bath on the 1st floor have been remodeled, the exterior was recently painted, and new windows, shutters and doors were installed.\n\nComparablesPriorSalesAndTransferHistory\n\nComp#1: Kitchen and Bathrooms have been upgraded and updated since the last sale. Comp#3: Kitchen and Bathrooms have been upgraded and updated since the last sale.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAsIs\n\n2019-09-08\n\n90\n\n60\n\nReasonableExposureTime\n\n775000\n\nfalse\n\nAA12345\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nMYAPP1\n\nSome Appraisal Creator1\n\n11.2.2\n\nNowhere Technologies\n\nEmpty Bank\n\n200 Tree St\n\nSomewhere\n\n12346\n\nVA\n\nLender\n\nClient\n\nIDK Appraisal Management Company\n\n300 Main Ave\n\nSomewhere\n\n12345\n\nVA\n\n2020-04-30\n\n5419-2123.4\n\nVA\n\nManagementCompany\n\nAgatha\n\nAppraiser\n\n123 Main St\n\nNowhere\n\n12345\n\nVA\n\nXYZ Appraisals\n\nCertifiedResidential\n\n2019-12-31\n\nXYZ12345\n"}