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Uniform Appraisal Dataset is a component of the Uniform Mortgage Data Program, an initiative undertaken by Fannie Mae and Freddie Mac (together known as the GSEs) under the direction of the Federal Housing Finance Agency in the United States in order to comprehensively standardize mortgage loan data so that loans may be processed more efficiently.
The most current incarnation of the URAR is the Fannie Mae Form 1004 [1] updated for March 2005. It is considered a full appraisal with all three approaches to value, cost approach, sales comparison approach, and income approach. [2]
The Federal National Mortgage Association (FNMA), commonly known as Fannie Mae, is a United States government-sponsored enterprise (GSE) and, since 1968, a publicly traded company.
Fannie Mae was established by the Congressional Fannie Mae (FNMA) Charter Act in 1938. In the wake of the Great Depression, nearly a quarter of U.S. homeowners lost their properties to foreclosure ...
A “non-conforming” loan or mortgage doesn’t meet (or “conform to”) the requirements that allow it to be purchased by Fannie Mae or Freddie Mac. One example of a non-conforming loan is a ...
A title search is also usually run by the lender to ensure there are no ownership issues. ... Property taxes: ... according to Fannie Mae. On a $350,000 house, 2 percent would come to $7,000 and 5 ...