FRE54104

WARNINGReport Inconsistencies

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

One of the following messages is returned: • The appraisal report indicates that within the Exterior Features table the [X] 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. • The appraisal report indicates that within the Exterior Features table the Other [Description] 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 FRE54104

FRE54104 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 FRE54104 automatically — attach your package and see in seconds whether it fires.

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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.