FRE76960

SEVEREEligibility

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 the Zoning Compliance is Illegal. Please ensure the subject Zoning Compliance is accurately reported and meets Freddie Mac Seller Guide requirements. • The appraisal report indicates that the Zoning Compliance is not Legal and the impact to value and/or marketability is adverse. Please ensure the subject Zoning Compliance is accurately reported and meets Freddie Mac Seller Guide requirements.

Severe — the submission can go through, but Freddie Mac flags that collateral rep & warranty relief eligibility is impacted. Expect lender questions.

What triggers FRE76960

FRE76960 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 SiteZoningComplianceType

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.

FRE76960 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

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.