FRE76103
SEVEREEligibilityOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraisal report indicates that the property's primary use is not residential. Please refer to the Freddie Mac Seller Guide for property eligibility requirements.
Severe — the submission can go through, but Freddie Mac flags that collateral rep & warranty relief eligibility is impacted. Expect lender questions.
What triggers FRE76103
FRE76103 is a Freddie Mac proprietary finding (Eligibility). 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
PropertyPrimarilyResidentialUseIndicator
How to fix it
On the URAR, this lives at: Site. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
FRE76103 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.
Begin inspection →Related messages
- UAD1309 FatalIndicate whether the property is primarily residential.…
- UAD1278 FatalProvide a photo of the water frontage.…
- UAD1287 FatalProvide the type of property restriction.…
- UAD1288 FatalProvide a description when property restriction = 'Other'.…
- UAD1289 FatalProvide the easement type.…
- UAD1290 FatalProvide a description when easement = 'Other'.…
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.