FRE76147
SEVEREEligibilityOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraisal report indicates the property legal ownership type is a Cooperative. Cooperative Share Loans are not eligible for value representation and warranty relief.
Severe — the submission can go through, but Freddie Mac flags that collateral rep & warranty relief eligibility is impacted. Expect lender questions.
What triggers FRE76147
FRE76147 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
ProjectLegalStructureType
How to fix it
On the URAR, this lives at: Subject Property. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
FRE76147 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
- UAD1478 FatalProvide the ownership type of the property (e.g., cooperative, condomi…
- UAD1615 FatalProvide the project legal structure ( i.e., Condominium, Cooperative, …
- FRE76148 SevereThe appraisal report indicates the property legal ownership type is a …
- FRE65470 WarningThe appraisal report indicates that the dwelling on the subject proper…
- UAD1001 FatalProvide the address line for the subject property physical address.…
- UAD1002 FatalProvide the city name for the subject property physical address.…
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.