UAD1387

WARNING

Official message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5

Provide 'Reconciliation of Overall Quality and Condition'.

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

What triggers UAD1387

The published rule logic, verbatim:

If ValuationCommentText is not provided in the instance of VALUATION_COMMENTARY with ValuationAnalysisCategoryType = "OverallQualityAndCondition"

• Bound to MISMO data point ValuationCommentText at ../VALUATION_ANALYSIS/VALUATION_REPORT/VALUATION_COMMENTARIES/VALUATION_COMMENTARY/

How to fix it

On the URAR, this lives at: Overall Quality and Condition → Reconciliation of Overall Quality and Condition → {No Label}. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

UAD1387 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: Appendix H-1: UAD Compliance Rules — URAR, v1.5 (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.