Freddie Mac Seller/Servicer Guide 5604.3: Age of appraisal reports, appraisal update requirements, re-use of an appraisal report for a subsequent transaction and age of PDRs

Document: Freddie Mac Single-Family Seller/Servicer Guide
Section date: February 4, 2026
Future effective date: November 2, 2026
Version in Zeitro Strata: September 16, 2026
Where: pages 1451–1457 of 3376
Official text: Freddie Mac Seller/Servicer Guide 5604.3 on the Freddie Mac website

Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6.

Freddie Mac Seller/Servicer Guide 5604.3, pages 1451–1457

Freddie Mac publishes the full text of this section: Freddie Mac Seller/Servicer Guide 5604.3 on the Freddie Mac website. Zeitro Strata answers questions about it with the passage and page cited.

What this section covers

(a) Age of appraisal reports and appraisal update requirements
(b) Re-use of an appraisal report for a subsequent “no cash-out” refinance transaction
(c) Acceptable age of a PDR
(a) Age of appraisal reports and appraisal update reporting requirements
(c) Acceptable age of a PDR for ACE+ PDR and Hybrid Appraisal Reports

Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.