Freddie Mac Single-Family Seller/Servicer Guide 6302.10 — Loan Product Advisor® Mortgage underwriting data delivery requirements
Freddie Mac Single-Family Seller/Servicer Guide section 6302.10 — Loan Product Advisor® Mortgage underwriting data delivery requirements. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 6302.10 — Loan Product Advisor® Mortgage underwriting data delivery requirements — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Single-Family Seller/Servicer Guide 6302.10 — Loan Product Advisor® Mortgage underwriting data delivery requirements
■ General requirements ■ Data for Loan Product Advisor® Mortgages ■ Special delivery requirements for Mortgages with automated collateral evaluation (ACE) or ACE+ PDR (a) General requirements For each Loan Product Advisor Mortgage delivered to Freddie Mac, the Seller is required to include the Key Number. A Mortgage delivered without a Key Number will be considered a Non-Loan Product Advisor Mortgage. Refer to Chapter 5101 for additional information on Loan Product Advisor Mortgages. (b) Data for Loan Product Advisor Mortgages If the Mortgage is a Loan Product Advisor Mortgage, the Seller must deliver the following ULDD Data Points: Loan Product Advisor Mortgage Underwriting Data Requirements Sort ID ULDD Data Point Valid Value Notes LOAN – Closing → Underwriting Details 328 Loan Manual Underwriting Indicator ▪ false ▪ true Enter “false” if the loan underwriting decision is not based on manual underwriting and is based on the recommendation of Loan Prospector or Loan Product Advisor. Enter “true” if the LP or LPA Risk Class is Caution and the loan was manually underwritten prior to delivery. 326/327 Automated Underwriting System Type / Automated Underwriting System Type Other Description (In Loan Selling Advisor®, this appears as “Automated Underwriting System Type.”) Loan Prospector Other – Loan Product Advisor For Loan Prospector Mortgages, enter “Loan Prospector.” Enter “Other – Loan Product Advisor” if Loan Product Advisor was used to assess the loan. 325 Automated Underwriting Recommendation Description ▪ Accept ▪ Caution Enter the applicable Risk Class/Classification for Loan Prospector or Loan Product Advisor Mortgages. 322 Automated Underwriting Case Identifier Enter the Loan Prospector AUS Key Number. The related Glossary term is Key Number. LOAN – Current →Modification Details 397 Mortgage Modification Indicator false (c) Special delivery requirements for Mortgages with ACE or ACE+ PDR See Section 5602.3 and 5602.4 for more information on ACE and ACE+ PDR, respectively. For Mortgages for which the Seller accepts ACE or ACE+ PDR, the Seller must deliver the following ULDD Data Points: Data Required for Mortgages with ACE or ACE+ PDR Sort ID ULDD Data Point Valid Value Notes PROPERTY → Property Details 67 Property Structure Built Year Leave blank or enter “9999” if the Seller accepts ACE or ACE+ PDR. → Appraisal / Property Valuation Details 89 Property Valuation Method Type None 83 Property Valuation Amount For refinance Mortgages, enter the “Borrower Estimated Value” that was provided in Loan Product Advisor®. For purchase Mortgages, enter the Purchase Price Amount of the delivered loan. Round down to nearest whole number. LOAN – Current → Product Details 368 Investor Feature Identifier J44 Enter this value to identify loans that have been upgraded from ACE+ PDR to a hybrid appraisal, as described in Section 5604.1. 376 Investor Collateral Program Identifier ▪ Automated Collateral Evaluation ▪ Property Data Collection Enter “Automated Collateral Evaluation” for ACE. Enter “Property Data Collection” for ACE+ PDR.
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