FRE54103
WARNINGReport InconsistenciesOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraisal report indicates that within the Exterior Features table the Roof Condition Status is Damaged and Nonfunctional, and that the appraised value is Subject to Repair. Please ensure the Condition Status reflects the future resolved condition of that item.
Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.
What triggers FRE54103
FRE54103 is a Freddie Mac proprietary finding (Report Inconsistencies). 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 the Subject property.
- • Bound to MISMO data point
ImprovementComponentConditionStatusType
How to fix it
On the URAR, this lives at: Dwelling Exterior → Quality and Condition. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
The free UADCheck inspection evaluates FRE54103 automatically — attach your package and see in seconds whether it fires.
Begin inspection →Related messages
- UAD1078 FatalProvide the 'Condition Status'.…
- UAD1156 FatalProvide the 'Condition Status'.…
- UAD1169 FatalProvide the 'Condition Status' for each floor covering.…
- FRE54101 WarningThe appraisal report indicates that within the Exterior Features table…
- FRE54102 WarningThe appraisal report indicates that within the Exterior Features table…
- FRE54104 WarningOne of the following messages is returned: • The appraisal report ind…
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.