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welcome Im Joel Baker lead product coach at ala mode this video is intended to give you as Real Estate Appraisers a glimpse into the backend of your clients process of submitting reports to the gsis portal or you CDP what does it look like what kinds of errors might they get and how do you respond when a request is made for a change whats an XML file anyway lets take a look first lets put the portal in its place the UM DP or uniform mortgage data program has a few moving pieces the gses are moving the standardized not just the appraisers data but the entire loan package that your clients and lenders submit to them for purchase on the secondary market the new standard is a version of mismo XML XML is very much like a spreadsheet laid out in a very specific way that allows the GSEs to run special metrics on the raw data for a mortgage loan or set of loans and the site of their worth purchasing the UL d d which is the raw data for the loan itself uses a version of mismo xml version 3