FRE76124
FATALEligibilityOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraisal report indicates that the Lack of Heating System is not Typical for the Market. Please refer to the Freddie Mac Seller Guide for property eligibility requirements.
Fatal — this finding makes the submission NOT SUCCESSFUL until resolved.
What triggers FRE76124
FRE76124 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
LackOfHeatingSystemTypicalToMarketIndicator
How to fix it
On the URAR, this lives at: Dwelling Exterior → Mechanical System Details. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
FRE76124 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
- UAD1048 FatalAt least one structure on the property must be identified as a 'Dwelli…
- UAD1050 FatalProvide 'Year Built' for each dwelling.…
- UAD1052 WarningThe 'Year Built' is prior to 1800. Please check for accuracy.…
- UAD1053 WarningThe 'Year Built' for a dwelling cannot be after 'Effective Date of App…
- UAD1054 WarningFor each dwelling indicate whether the 'Year Built' was estimated.…
- UAD1060 FatalProvide 'Structure Design' (e.g., Low-rise, Mid-rise, High-rise, Rowho…
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.