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Freddie Mac Proprietary Messages in the UCDP Scheduled for June

April 29, 2015

Beginning June 30, 2015, the Uniform Collateral Data Portal® (UCDP®) will deliver new Freddie Mac proprietary feedback messages for appraisals submitted to Freddie Mac and will return a proprietary non-overrideable hard stop code. These new proprietary messages are aligned with our continuing effort to provide improved appraisal quality feedback.

Freddie Mac Proprietary Fatal Edit Messages

Currently, if you receive Hard Stop code FRE800, Freddie Mac proprietary messages are automatically overridden and it does not prevent you from receiving a "Successful" status when the appraisal is submitted in the UCDP. Beginning June 30, when the following three Freddie Mac proprietary fatal edits are activated on all UAD forms, you will receive a new Hard Stop code, FRE700, which will prevent you from receiving a "Successful" submission status. These fatal edits must be addressed, and an updated appraisal must be submitted to the UCDP before a "Successful" status can be received.

Feedback Message IDUCDP Feedback Message
FRE1086

The signature date is prior to the Effective Date of the report. Please correct and resubmit.

FRE1087

The appraiser's name is missing. Please correct and resubmit.

FRE1040

The report is missing a Legal Description. Please correct and resubmit.

Over the last year, we've encouraged you to begin coding for fatal edit messages to be prepared for the conversion of edits from "Warning" to "Fatal". If you have not started the process, please be prepared by coding for this change now.

Note: When these messages become fatal edits, the Freddie Mac submission status may differ from the Fannie Mae submission status in UCDP. Please ensure your processes are designed to accommodate these differences.

Appraisal Eligibility Messages

Four new feedback messages will be returned on all UAD forms submitted to UCDP to compliment the Single-Family Seller/Servicer Guide requirements related to appraisal eligibility. The presence of these feedback messages may indicate that the appraisal and associated mortgage are not eligible for delivery to Freddie Mac. These feedback messages will be implemented as warning messages and will not prevent you from receiving a "Successful" status.

New Feedback Message IDUCDP Feedback Message
FRE1092

The appraisal report indicates that the subject’s Project Name is [Project Name].  Please verify that the project is a not a [hotel] and that the mortgage is eligible for sale to Freddie Mac.

FRE1093

The appraisal report indicates that the zoning is Legal Nonconforming and that rebuilding to current density is not permitted. Please ensure that this mortgage is eligible for sale to Freddie Mac.

FRE1094

The appraisal report indicates that the contract of sale was not analyzed by the appraiser. Freddie Mac requires that the contract of sale be provided to the appraiser on a purchase transaction. Please ensure that this mortgage is eligible for sale to Freddie Mac.

FRE1095

The appraisal report indicates that the present use of the subject property as improved (or as proposed) does not represent the highest and best use as improved. Please ensure that this mortgage is eligible for sale to Freddie Mac.

Appraisal Quality Messages

New appraisal quality feedback messages will primarily focus on overall completeness of UAD appraisal forms and will be initially activated only for the Uniform Residential Appraisal Report (Freddie Mac Form 70). Freddie Mac will provide sufficient notice as these messages are activated for additional and applicable UAD forms. Although we anticipate these messages will be returned infrequently, appraisals with missing data occasionally get through to us. These feedback messages serve to assist and build on the quality control checks you currently have in place. They will also be implemented as warning messages and will not prevent you from receiving a "Successful" status.

Additional Information

For more information on the UCDP:

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