Freddie Mac Seller/Servicer Guide 4504.9: Appraisal requirements for HeritageOne® Mortgages
Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6.
Freddie Mac publishes the full text of this section: Freddie Mac Seller/Servicer Guide 4504.9 on the Freddie Mac website. Zeitro Strata answers questions about it with the passage and page cited.
What this section covers
- (a) Appraiser qualifications
- (b) Appraisal type, ACE eligibility and ACE+ PDR eligibility
- (c) Appraised value representation and warranty relief
- (d) Appraisal cost offset credit
- (e) Sales comparison approach and cost approach
- (f) Additional form instructions
- (g) Site value
- (h) UCDP
- (i) Additional resources
Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.