The following table lists the Minimum Assessment Feedback (MAF) messages. These messages appear on the Feedback Certificate in the Loan Processing Information section, Applicable Collateral Warranties and Waivers subsection.
Updated: November 2011
Code
Minimum Assessment Feedback Messages
1S
Verify property unit number and resubmit to determine eligibility for reduced MAF.
1U
Verify property zip code and resubmit to determine eligibility for reduced MAF.
1V
Multiple addresses found for the property address entered. Verify address and resubmit to determine eligibility for reduced MAF.
1W
Address not found. Verify the Pre and Post-directional in street address and resubmit to determine eligibility for reduced MAF.
Orig. Processing point ineligible - MAF not available.
44
Collateral Waiver: Interior condition warranty not required when no interior inspection obtained.
46
Loan Type ineligible - MAF not available for FHA or VA. Follow requirements of HUD Handbook (4155) or VA Lenders Guide for appraisal requirements.
49
MAF processing error - call 800-FREDDIE.
50
Form 72 is minimum assessment required for sale to Freddie Mac.
67
Collateral Waiver: Model supports the transaction. Value warranty not required when no appraisal obtained, if the mortgage is sold to Freddie Mac within 120 days of the note date.
A8
MAF not available. The following is the minimum assessment required for sale to Freddie Mac (a) 1-unit primary residence and second home, form 2055 interior, (b) 1-unit investor property, form 70 or 465, (c) 2-4 unit property, form 72. Disregard if transaction is FHA, VA or prequalification.
HH
Collateral Warranty: You must warrant that the title to the subject property is held in the name of the property seller listed on the sales contract and that the title has not transferred within six months prior to the loan application.
HI
Collateral Waiver: Model supports the transaction. Condition and Marketability warranty not required when delivered with Property Inspection Alternative and no appraisal or inspection report obtained, if the mortgage is sold to Freddie Mac within 120 days of the note date.
HJ
Verify property street name and resubmit to determine eligibility for reduced MAF.
HN
This loan will be assessed a Level 1 No-appraisal MAF fee when delivered to Freddie Mac, unless this request is canceled.
HP
This loan will be assessed a Level 2 No-appraisal MAF fee when delivered to Freddie Mac, unless this request is canceled.
L2
Form 70B is minimum assessment required for sale to Freddie Mac.
L3
Form 465 is minimum assessment required for sale to Freddie Mac.
L4
Form 466 is minimum assessment required for sale to Freddie Mac.
L5
Form 70 is minimum assessment required for sale to Freddie Mac.
L6
Form 2055 is minimum assessment required for sale to Freddie Mac.
MK
Recent REO activity may have impacted the valuation of the subject property. Review appraisal carefully to ensure current value is accurate and supported.
MS
Form 2070 or Property Inspection Alternative is the minimum assessment required for sale to Freddie Mac.
MY
Form 2070 or Property Inspection Alternative is the minimum assessment required for sale to Freddie Mac; check with your lender for pricing and delivery requirements.
MZ
If loan is delivered with Form 2070 or Property Inspection Alternative, the borrower must sign Freddie Mac Form 1149 Notice about Appraisal on Your Property, or other substantially similar notice.
RT
If this loan is delivered with Property Inspection Alternative, it is subject to a fee when delivered to Freddie Mac.
T9
Requested service – No-appraisal MAF – is no longer available.
Z3
Review for Accuracy: The Estimated Value of Property or Net Purchase Price submitted for this transaction may have a higher rate of appreciation than the local market. The appraisal should be carefully reviewed for this transaction.
Z4
Review for Accuracy: The subject property was not submitted as a Manufactured Home; however, based on our records, the subject property may be a Manufactured Home. Please confirm the accuracy of the address and property type entered. The appraisal should be carefully reviewed for this transaction.
Z5
Review for Accuracy: Application indicates borrower(s) will occupy the property as a primary residence or second home; however, our records indicate borrower(s) may have other properties identified as owner occupied. Please confirm the borrowers' intent to occupy the property.
