FRE65660

WARNINGData Discrepancy

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

The appraisal report does not have a prior transfer of the subject property within [X] years; however, public records reports the following prior transfer(s) of the subject property: [transferdate1] for [$Y], [transferdate2] for [$YY], [transferdate3] for [$Z] and [transferdate4] for [$ZZ]. Please ensure the required prior transfer data has been accurately reported.

Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.

What triggers FRE65660

FRE65660 is a Freddie Mac proprietary finding (Data Discrepancy). 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 OwnershipTransferDate

How to fix it

On the URAR, this lives at: Prior Sale and Transfer History → Subject Transfer History. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

FRE65660 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.