FRE32102

SEVEREComp Selection

Official message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)

The appraisal report indicates a positive adjustment with respect to sales concessions for the following comparables: Comparable # [#]. Please ensure that all adjustments are appropriate and fully supported.

Severe — the submission can go through, but Freddie Mac flags that collateral rep & warranty relief eligibility is impacted. Expect lender questions.

What triggers FRE32102

FRE32102 is a Freddie Mac proprietary finding (Comp Selection). It is returned by Loan Collateral Advisor®/UCDP® after your lender submits — this layer is explicitly outside the GSE UAD Compliance API, so your form software's built-in check does not run it. The first time most appraisers see it is in a revision request.

• Checked for: Comparables.
• Bound to MISMO data point ComparableAdjustmentAmount

How to fix it

On the URAR, this lives at: Sales Comparison Approach → N/A. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

FRE32102 is in UADCheck's reference library; automated coverage for it is on the roadmap. The inspection already runs the full GSE schema, the package-integrity layer, and every auto-checkable compliance rule — each report states exactly what was covered.

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Related messages

Source: Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04) (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.