Freddie Mac Seller/Servicer Guide 5605.7: Cost and income approaches and reconciliation of market value
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 5605.7 on the Freddie Mac website. Zeitro Strata answers questions about it with the passage and page cited.
What this section covers
- (a) Cost approach
- (b) Income approach
- (c) Reconciliation of market value
- (a) Comparable sales data sources and verification sources
- (b) Adjustments
- (c) Sales and financing concessions
- (d) Market Area analysis and market condition adjustments
- (e) Location
- (f) Quality and condition
- (g) Selection of comparable sales and analysis
Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.

