Freddie Mac Single-Family Seller/Servicer Guide Section 6302.7 — Loan data required for ARMs

Freddie Mac Single-Family Seller/Servicer Guide Section 6302.7 — Loan data required for ARMs

6302.7: Loan data required for ARMs (05/04/26) ■ General requirements ■ Data delivery instructions ■ Delivery programs ■ Additional requirements for WAC ARM Guarantor Contracts ■ Pooling requirements for WAC ARM PCs (a) General requirements Refer to Chapter 4401 for special eligibility requirements for ARMs. Refer to Exhibit 17S, Available Mortgage Products, for more information about eligibility requirements for ARM products sold under ARM Cash and the WAC ARM Guarantor program. (b) Data delivery instructions For ARMs, the Seller must deliver the following ULDD Data Points: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-44 Loan Data Required for ARMs Sort ID ULDD Data Point Valid Value Notes LOAN – Closing1 → Product Details 138 Loan Amortization Type3 Adjustable Rate Enter “Adjustable Rate” for an ARM. → Note Details 321 Note Rate Percent 272 Scheduled First Payment Due Date Must occur on the first day of the month. → ARM Details 236 Initial Fixed Period Effective Months Count The related Glossary term is Initial Period. 115 First Rate Change Payment Effective Date Must occur on the first day of the month following each Interest Change Date. The related Glossary term is Payment Change Date. 110/111 Index Source Type/Index Source Type Other Description (In Loan Selling Advisor® this appears as “Index Source Type”) ▪ Other – 30-day Average SOFR Enter “30DayAverageSOFR” for SOFR-indexed ARMs. 312 Disclosed Index Rate Percent Enter the value of the index (Sort ID 110 – “Index Source Type”) used to generate the Settlement/Closing Disclosure Statement. Enter the value of the index used to calculate the initial Note Rate for an ARM (not taking into account any discounts or premiums). This is the value of the index in effect the day the Settlement/Closing Disclosure Statement provided to the Borrower was prepared. 113 Interest And Payment Adjustment Index Lead Days Count 45 Enter the number of days preceding the “Per Change Rate Adjustment Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-45 Loan Data Required for ARMs Sort ID ULDD Data Point Valid Value Notes Effective Date” (Interest Change Date). The related Glossary term is Lookback Period. 119 Margin Rate Percent The related Glossary term is Margin. 114 Ceiling Rate Percent Enter the sum of the Note Rate at origination plus the Life Cap. The related Glossary term is Lifetime Ceiling. 116 Floor Rate Percent If a Lifetime Floor is stated in the Note, the Seller is encouraged to deliver this ULDD Data Point. The Lifetime Floor must equal the Margin. For ARMs with Note Dates on or after October 1, 2016, if the Seller does not deliver this ULDD Data Point Freddie Mac will populate this ULDD Data Point with the Margin that the Seller delivers in the ULDD Data Point Margin Rate Percent (Sort ID 119). The related Glossary term is Lifetime Floor. 118 Interest Rate Rounding Type Nearest Enter if interest rate rounding is specified in the Note. 117 Interest Rate Rounding Percent 0.125 The value for interest rate rounding is “0.125.” →→ First Adjustment 120 Adjustment Rule Type2 First Use to describe the initial adjustment structure and caps. 124 Per Change Rate Adjustment Frequency Months Count Enter the number of months between the initial rate adjustment and the second rate adjustment. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-46 Loan Data Required for ARMs Sort ID ULDD Data Point Valid Value Notes 123 Per Change Rate Adjustment Effective Date (In Loan Selling Advisor®, this appears as “First Rate Adjustment Effective Date.”) The related Glossary term is Interest Change Date. 122 Per Change Maximum Increase Rate Percent Enter the Initial Cap. 121 Per Change Maximum Decrease Rate Percent Enter the Initial Cap if it exists. →→Subsequent Adjustment 120 Adjustment Rule Type2 Subsequent Use to identify the periodic adjustment structure and caps. 124 Per Change Rate Adjustment Frequency Months Count Enter the number of months between the second rate adjustment and the third rate adjustment. 123 Per Change Rate Adjustment Effective Date (In Loan Selling Advisor, this appears as “Subsequent Rate Adjustment Effective Date.”) Enter the second (first periodic) Interest Change Date. 122 Per Change Maximum Increase Rate Percent Enter the Periodic Cap. 121 Per Change Maximum Decrease Rate Percent Enter the Periodic Cap if it exists. LOAN – Current → ARM Details 355 Next Rate Adjustment Effective Date Enter the next Interest Change Date occurring after the Mortgage is delivered to Freddie Mac. The related Glossary term is Interest Change Date. 436 Principal And Interest Payment Amount Enter the value as of the Funding Date. 395 Current Interest Rate Percent Enter the value as of the Funding Date. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-47 1 For Construction to Permanent Mortgages or Renovation Mortgages, enter data in the “Modification” section of Loan Selling Advisor. 2 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section. 3 This data point must be populated to save the file in Loan Selling Advisor. (c) Delivery programs ARMs may be sold only under the following: ■ ARM Cash ■ WAC ARM Guarantor (d) Additional requirements for WAC ARM Guarantor Contracts Refer to Sections 6201.1(d) and 6204.1(a) for eligible ARM products that may be sold under the WAC ARM Guarantor program. Refer to Chapter 6201 for specific requirements for selling ARMs under the WAC ARM Guarantor program. (e) Pooling requirements for WAC ARM PCs Refer to Chapter 6202 for pooling requirements for ARMs under the WAC ARM Guarantor program. 6302.8: Property data required for all Mortgages (02/04/26) Refer to Bulletins 2025-7 and 2025-10, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective May 3, 2027 version of this section. ■ Property data for all Mortgages ■ Data for Investment Property Mortgages ■ Data required when an appraisal is obtained in connection with valuing the Mortgaged Premises ■ Data if appraisal is signed by supervisor (a) Property data for all Mortgages Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-48 To describe the Mortgaged Premises that secure Mortgages sold to Freddie Mac, the Seller must deliver the following ULDD Data Points: Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes PROPERTY →Subject Property Address 10 Address Line Text (In Loan Selling Advisor®, this appears as “Street Address.”) Enter the complete street address for the property. If the Address Unit Identifier is not provided, enter the unit number preceded by any United States Postal Service (USPS) address unit designator (e.g., apartment, suite or unit) if applicable. 13 Address Unit Identifier Enter if the unit number has not been included in the Address Line Text. Do not include the address unit designator (e.g., apartment, suite or unit). 14 City Name 18 State Code1 Enter the state abbreviation maintained by the USPS. Refer to USPS (Publication 28 – Postal Addressing Standards) for guidance about state codes. 16 Postal Code1 →Property Details 63 Property Estate Type ▪ Fee Simple ▪ Leasehold 69 Property Usage Type ▪ Investment ▪ Primary Residence ▪ Second Home Enter “Primary Residence” when a valid value of “D76” is used for Sort ID 368-Investor Feature Identifier (IFI). 50 Attachment Type Used to describe an individual dwelling. Enter “Attached” if the dwelling unit has a common wall or other direct physical connection with another dwelling unit, and the appraisal or other property Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-49 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes ▪ Attached ▪ Detached ▪ Semi Detached valuation method does not indicate “Semi Detached.” Enter “Detached” if the dwelling unit has no common wall nor any other direct physical connection with another dwelling unit. Enter “Semi Detached” if the dwelling unit is an end unit or one of a pair of houses built side-by- side sharing a common wall, such as a duplex. The difference between this ULDD Data Point and Project Attachment Type (Sort ID 41) in Section 6302.20 is that this ULDD Data Point is used to describe if the dwelling is attached to any adjacent dwellings. Project Attachment Type is used to describe if the units in the project are attached to each other. 67 Property Structure Built Year Enter the year the property was built from the appraisal. Enter “9999” if Home Value Explorer® (HVE®) was used to value the subject property. Leave blank or enter “9999” if the Seller accepts automated collateral evaluation (ACE). 57 Financed Unit Count1 ▪ 1 ▪ 2 ▪ 3 ▪ 4 24 Special Flood Hazard Area Indicator ▪ false ▪ true Enter “true” if the flood zone designated on Federal Emergency Management Agency (FEMA) Standard Flood Hazard Determination Form contains the letter “A” or “V” and the property has no applicable FEMA Letter of Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-50 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Map Revision (LOMR), FEMA Letter of Determination Review (LODR) or FEMA Letter of Map Amendment (LOMA). Enter “false” if the only structure on the Mortgaged Premises in the Special Flood Hazard Area is detached from the primary residential structure and does not serve as a residence. 77 Bedroom Count If the subject property was valued by a “Full Appraisal” or “Hybrid Appraisal”: For two- to four-unit properties, enter the number of bedrooms for each dwelling unit, including both above and below-grade bedrooms. Enter “0” if the unit is a studio/efficiency. Leave blank if HVE was used to value the subject property. 78 Property Dwelling Unit Eligible Rent Amount If the subject property was valued by a “Full Appraisal” or “Hybrid Appraisal”: For two-to four-unit properties, enter the gross monthly rental income for each non-owner occupied dwelling unit as indicated on the signed lease(s) for the Mortgaged Premises. If there is no active lease for a unit, or the Borrower rents the unit to a family member, enter the gross monthly rental income as estimated on the applicable appraisal report or addenda. 65 Property Flood Insurance Indicator ▪ false ▪ true Enter “true” if there is flood insurance coverage. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-51 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 49 PUD Indicator ▪ false ▪ true Enter “true” if the Mortgaged Premises is located in a Planned Unit Development (PUD). The related Glossary term is Planned Unit Development. →Appraisal/Property Valuation Details 89/90 Property Valuation Method Type/Property Valuation Method Type Other Description (In Loan Selling Advisor, this appears as “Property Valuation Method Type.”) ▪ Automated Valuation Model ▪ Desktop Appraisal ▪ Drive By ▪ Full Appraisal ▪ None ▪ Other – Desk Review ▪ Other – Field Review ▪ Other – Hybrid Appraisal Enter the Property Valuation Method Type for the method that yielded the value used to calculate the loan-to-value (LTV) ratio for the delivered loan. Enter “Automated Valuation Model” for Home Value Explorer (HVE). Enter “Desktop Appraisal” if FRE 70D/FNM 1004 Desktop - Uniform Residential Appraisal Report (Desktop) was used to value the subject property. Enter “Drive By” if an exterior- only appraisal was used to value the subject property. Enter “Full Appraisal” if an interior and exterior inspection appraisal was used to value the subject property. Enter “None” if ACE or ACE+ PDR was used to originate the Mortgage. Enter “Other – Desk Review” if a desk review was used to value the subject property. Enter “Other – Field Review” if a field review was used to value the subject property. Enter “Other – Hybrid Appraisal” if FRE 70H/FNM 1004 Hybrid – Uniform Residential Appraisal Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-52 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Report (Hybrid) or FRE 465H/FNM 1073 Hybrid – Individual Condominium Unit Appraisal Report (Hybrid) was used to value the subject property. 85/86 Property Valuation Form Type / Property Valuation Form Type Other Description (In Loan Selling Advisor® this appears as “Property Valuation Form Type.”) ▪ Appraisal Update and/or Completion Report ▪ Exterior Only Inspection Individual Condominium Unit Appraisal Report ▪ Exterior Only Inspection Residential Appraisal Report ▪ Individual Condominium Unit Appraisal Report ▪ Manufactured Home Appraisal Report ▪ One Unit Residential Appraisal Field Review Report ▪ Other – One Unit Residential Appraisal Desk Review Report ▪ Small Residential Income Property Appraisal Report ▪ Two To Four Unit Residential Appraisal ▪ Uniform Residential Appraisal Report For appraisals using UAD 3.6, Sort ID 85-Property Valuation Form Type is no longer collected. Enter the name of the property valuation form used to provide the property value upon which the loan underwriting decision was based, according to Section 5604.2. The form numbers for the valid values are: ▪ FRE 70/FNM 1004 – Uniform Residential Appraisal Report ❑ If FRE 70D/FNM 1004 Desktop – Uniform Residential Appraisal Report (Desktop) was used, enter “Uniform Residential Appraisal Report” ❑ If FRE 70H/FNM 1004 Hybrid – Uniform Residential Appraisal Report (Hybrid) was used, enter “Uniform Residential Appraisal Report” ▪ FRE 70B/FNM 1004C – Manufactured Home Appraisal Report ▪ FRE 72/FNM 1025 – Small Residential Income Property Appraisal Report ▪ FRE 442/FNM 1004D – Appraisal Update and/or Completion Report ▪ FRE 465/ FNM 1073 – Individual Condominium Unit Appraisal Report ❑ If FRE 465H/FNM 1073 Hybrid – Individual Condominium Unit Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-53 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Appraisal Report (Hybrid) was used, enter “Individual Condominium Unit Appraisal Report” ▪ FRE 466/FNM 1075 – Exterior Only Inspection Individual Condominium Unit Appraisal Report ▪ FRE 1032/ FNM 2000 – One Unit Residential Appraisal Field Review Report ▪ FRE 1033 – One Unit Residential Appraisal Desk Review Report ▪ FRE 1072/FNM 2000A – Two To Four Unit Residential Appraisal Field Review Report ▪ FRE 2055/FNM 2055 – Exterior Only Inspection Residential Appraisal Report 83 Property Valuation Amount If an appraisal has been obtained, enter the appraised value. If ACE or ACE+ PDR was offered and accepted by the Seller, enter the Purchase Price for a purchase transaction or the estimated value used to underwrite the loan for a refinance transaction. Round down to the nearest whole number. 84 Property Valuation Effective Date For Mortgages with appraisals, enter the effective date of the most recent appraisal. For Mortgages using any other property valuation type, enter the effective date on the most recent inspection, LP Feedback Certificate or estimate. →Construction Details Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-54 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 51/52 Construction Method Type / Construction Method Type Other Description (In Loan Selling Advisor® this appears as “Construction Method Type”) ▪ Manufactured ▪ Other – Container ▪ Other – Three Dimensional Printing Technology ▪ Site Built Enter “Manufactured” for Manufactured Homes. Enter “Site Built” for homes built on site and modular homes, panelized housing, or other types of factory-built housing, unless the home is a container home or the home was built with three- dimensional printing technology. LOAN – Current → Product Details 368 Investor Feature Identifier D76 Enter this value for Borrowers that meet the requirements in Section 4201.11 for Primary Residence for active-duty military Borrowers. 368 Investor Feature Identifier J66 Enter this value for Mortgages with rental income from an ADU on a Primary Residence, as described in Section 5306.1(g). 1 This data point must be populated to save the file in Loan Selling Advisor. (b) Data for Investment Property Mortgages For all Investment Property Mortgages for which an appraisal was performed, the Seller must deliver the following ULDD Data Points: Data Required for Investment Property Mortgages Sort ID ULDD Data Point Valid Value Notes PROPERTY → Property Details 69 Property Usage Type Investment 77 Bedroom Count If the subject property was valued by a “Full Appraisal” or “Hybrid Appraisal”: Enter the number of bedrooms for each dwelling unit. For one-unit properties, include only above-grade bedrooms. For two- to four- unit properties, include both Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-55 Data Required for Investment Property Mortgages Sort ID ULDD Data Point Valid Value Notes above and below-grade bedrooms. Enter “0” if the unit is a studio/efficiency. Leave blank if HVE was used to value the subject property. 78 Property Dwelling Unit Eligible Rent Amount If the subject property was valued by a “Full Appraisal” or “Hybrid Appraisal”: Enter the gross monthly rental income for each unit as indicated on the signed lease(s) for the Mortgaged Premises. If there is no active lease for a unit, or the Borrower rents the unit to a family member, enter the gross monthly rental income as estimated on the applicable appraisal report or addenda. (c) Data required when an appraisal is obtained in connection with valuing the Mortgaged Premises When an appraisal is used to value the Mortgaged Premises, the Seller must deliver the following ULDD Data Points: Data Required when an Appraisal was used to Value the Subject Property Sort ID ULDD Data Point Valid Value Notes PROPERTY → Appraisal Details 89/90 Property Valuation Method Type/Property Valuation Method Type Other Description (In Loan Selling Advisor, this appears as Property Valuation Method Type.) ▪ Desktop Appraisal ▪ Drive By ▪ Full Appraisal ▪ Other – Desk Review ▪ Other – Field Review Enter “Desktop Appraisal” if a desktop appraisal was used to value the subject property. Enter “Drive By” if an exterior- only appraisal was used to value the subject property. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-56 Data Required when an Appraisal was used to Value the Subject Property Sort ID ULDD Data Point Valid Value Notes ▪ Other – Hybrid Appraisal Enter “Full Appraisal” if an interior and exterior inspection appraisal was used to value the subject property. Enter “Other – Desk Review” if a desk review was used to value the subject property. Enter “Other – Field Review” if a field review was used to value the subject property. Enter “Other - Hybrid Appraisal” if an interior and exterior inspection appraisal was used. 82 Appraisal Identifier For conventional Mortgages only, enter the “Document File Identifier” assigned to the appraisal by the Uniform Collateral Data Portal® (UCDP®). The Document File Identifier assigned by the UCDP must be entered even if the appraisal value used to calculate the LTV ratio was determined using a subsequent appraisal review on a form not required to be submitted to the UCDP. PARTY → Appraiser Details 528 Party Role Type1 Appraiser 525 Appraiser License Identifier Enter the state license number of the appraiser who completed the final estimate of value. ■ When the appraiser is a trainee and: ❑ Has a license identifier, deliver the trainee’s license identifier ❑ Does not have a license identifier, deliver the word “trainee” Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-57 Data Required when an Appraisal was used to Value the Subject Property Sort ID ULDD Data Point Valid Value Notes ■ When the appraiser is not a trainee and there is no supervisory appraiser, deliver the Appraiser License Identifier 1 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section. (d) Data if appraisal is signed by supervisor When the appraisal is signed by the appraiser’s supervisor, the Seller must deliver the following ULDD Data Points: Data Required when the Appraisal was Signed by a Supervisor Sort ID ULDD Data Point Valid Value Notes PARTY → Appraiser Details 537 Party Role Type1 Appraiser Supervisor 534 Appraiser License Identifier (In Loan Selling Advisor, this appears as “Appraiser Supervisor Identifier.”) Enter the state license number of the supervisor who signed the appraisal. ■ When Sort ID 528, Party Role Type “Appraiser,” is a trainee, always deliver the Appraiser Supervisor Identifier, whether or not the appraiser supervisor signed the appraisal AND whether or not the appraiser trainee has a license identifier ■ When the appraiser is not a trainee and there is no supervisory appraiser, leave the field blank (do not make any entry such as N/A or none) 1 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section. 6302.8: Property data required for all Mortgages (Future effective date 05/03/27) Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-58 ■ Property data for all Mortgages ■ Data for Investment Property Mortgages ■ Data required when an appraisal is obtained in connection with valuing the Mortgaged Premises ■ Data if appraisal is signed by supervisor (a) Property data for all Mortgages To describe the Mortgaged Premises that secure Mortgages sold to Freddie Mac, the Seller must deliver the following ULDD Data Points: Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes PROPERTY →Subject Property Address 10 Address Line Text (In Loan Selling Advisor®, this appears as “Street Address.”) Enter the complete street address for the property. If the Address Unit Identifier is not provided, enter the unit number preceded by any United States Postal Service (USPS) address unit designator (e.g., apartment, suite or unit) if applicable. 13 Address Unit Identifier Enter if the unit number has not been included in the Address Line Text. Do not include the address unit designator (e.g., apartment, suite or unit). 14 City Name 18 State Code1 Enter the state abbreviation maintained by the USPS. Refer to USPS (Publication 28 – Postal Addressing Standards) for guidance about state codes. 16 Postal Code1 →Property Details 63 Property Estate Type ▪ Fee Simple ▪ Leasehold Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-59 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 69 Property Usage Type ▪ Investment ▪ Primary Residence ▪ Second Home Enter “Primary Residence” when a valid value of “D76” is used for Sort ID 368-Investor Feature Identifier (IFI). 50 Attachment Type ▪ Attached ▪ Detached ▪ Semi Detached Used to describe an individual dwelling. Enter “Attached” if the dwelling unit has a common wall or other direct physical connection with another dwelling unit, and the appraisal or other property valuation method does not indicate “Semi Detached.” Enter “Detached” if the dwelling unit has no common wall nor any other direct physical connection with another dwelling unit. Enter “Semi Detached” if the dwelling unit is an end unit or one of a pair of houses built side-by- side sharing a common wall, such as a duplex. The difference between this ULDD Data Point and Project Attachment Type (Sort ID 41) in Section 6302.20 is that this ULDD Data Point is used to describe if the dwelling is attached to any adjacent dwellings. Project Attachment Type is used to describe if the units in the project are attached to each other. 67 Property Structure Built Year Enter the year the property was built from the appraisal. Enter “9999” if Home Value Explorer® (HVE®) was used to value the subject property. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-60 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Leave blank or enter “9999” if the Seller accepts automated collateral evaluation (ACE). 57 Financed Unit Count1 ▪ 1 ▪ 2 ▪ 3 ▪ 4 24 Special Flood Hazard Area Indicator ▪ false ▪ true Enter “true” if the flood zone designated on Federal Emergency Management Agency (FEMA) Standard Flood Hazard Determination Form contains the letter “A” or “V” and the property has no applicable FEMA Letter of Map Revision (LOMR), FEMA Letter of Determination Review (LODR) or FEMA Letter of Map Amendment (LOMA). Enter “false” if the only structure on the Mortgaged Premises in the Special Flood Hazard Area is detached from the primary residential structure and does not serve as a residence. 77 Bedroom Count If the subject property was valued by a Traditional Appraisal Report or Hybrid Appraisal Report: For two- to four-unit properties, enter the number of bedrooms for each dwelling unit, including both above and below-grade bedrooms. Enter “0” if the unit is a studio/efficiency. Leave blank if HVE was used to value the subject property. 78 Property Dwelling Unit Eligible Rent Amount If the subject property was valued by a Traditional Appraisal Report or Hybrid Appraisal Report: For two-to four-unit properties, enter the gross monthly rental Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-61 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes income for each non-owner occupied dwelling unit as indicated on the signed lease(s) for the Mortgaged Premises. If there is no active lease for a unit, or the Borrower rents the unit to a family member, enter the gross monthly rental income as estimated on the applicable appraisal report or addenda. 65 Property Flood Insurance Indicator ▪ false ▪ true Enter “true” if there is flood insurance coverage. 49 PUD Indicator ▪ false ▪ true Enter “true” if the Mortgaged Premises is located in a Planned Unit Development (PUD). The related Glossary term is Planned Unit Development. →Appraisal/Property Valuation Details 89/90 Property Valuation Method Type/Property Valuation Method Type Other Description (In Loan Selling Advisor, this appears as “Property Valuation Method Type.”) ▪ Automated Valuation Model ▪ Desktop Appraisal ▪ Drive By ▪ Full Appraisal ▪ None ▪ Other – Desk Review ▪ Other – Field Review ▪ Other – Hybrid Appraisal Enter the Property Valuation Method Type for the method that yielded the value used to calculate the loan-to-value (LTV) ratio for the delivered loan. Enter “Automated Valuation Model” for Home Value Explorer (HVE). Enter “Desktop Appraisal” if a Desktop Appraisal Report was used to value the subject property. Enter “Drive By” if an Exterior Appraisal Report was used to value the subject property. Enter “Full Appraisal” if a Traditional Appraisal Report was used to value the subject property. Enter “None” if ACE or ACE+ PDR was used to originate the Mortgage. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-62 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Enter “Other – Desk Review” if a desk review was used to value the subject property. Enter “Other – Field Review” if a field review was used to value the subject property. Enter “Other – Hybrid Appraisal” if a Hybrid Appraisal Report was used to value the subject property. 85/86 Property Valuation Form Type / Property Valuation Form Type Other Description (In Loan Selling Advisor® this appears as “Property Valuation Form Type.”) ▪ One Unit Residential Appraisal Field Review Report ▪ Other – One Unit Residential Appraisal Desk Review Report ▪ Two To Four Unit Residential Appraisal For appraisals using UAD 3.6, Sort ID 85-Property Valuation Form Type is no longer collected. Enter the name of the property valuation form used to provide the property value upon which the loan underwriting decision was based, according to Section 5604.2. The form numbers for the valid values are: ▪ FRE 1032/ FNM 2000 – One Unit Residential Appraisal Field Review Report ▪ FRE 1033 – One Unit Residential Appraisal Desk Review Report ▪ FRE 1072/FNM 2000A – Two To Four Unit Residential Appraisal Field Review Report The title of the document in Loan Selling Advisor appears as TwoToFourUnitResidentialAppra isal. 83 Property Valuation Amount If an appraisal has been obtained, enter the appraised value. If ACE or ACE+ PDR was offered and accepted by the Seller, enter the Purchase Price for a purchase transaction or the estimated value used to Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-63 Property Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes underwrite the loan for a refinance transaction. Round down to the nearest whole number. 84 Property Valuation Effective Date For Mortgages with appraisals, enter the effective date of the most recent appraisal. For Mortgages using any other property valuation type, enter the effective date on the most recent inspection, LP Feedback Certificate or estimate. →→Construction Details 51/52 Construction Method Type / Construction Method Type Other Description (In Loan Selling Advisor® this appears as “Construction Method Type”) ▪ Manufactured ▪ Other – Container ▪ Other – Three Dimensional Printing Technology ▪ Site Built Enter “Manufactured” for Manufactured Homes. Enter “Site Built” for homes built on site and modular homes, panelized housing, or other types of factory-built housing, unless the home is a container home or the home was built with three- dimensional printing technology. LOAN – Current → Product Details 368 Investor Feature Identifier D76 Enter this value for Borrowers that meet the requirements in Section 4201.11 for Primary Residence for active-duty military Borrowers. 368 Investor Feature Identifier J66 Enter this value for Mortgages with rental income from an ADU on a Primary Residence, as described in Section 5306.1(g). 1 This data point must be populated to save the file in Loan Selling Advisor. (b) Data for Investment Property Mortgages For all Investment Property Mortgages for which an appraisal was performed, the Seller must deliver the following ULDD Data Points: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-64 Data Required for Investment Property Mortgages Sort ID ULDD Data Point Valid Value Notes PROPERTY → Property Details 69 Property Usage Type Investment 77 Bedroom Count If the subject property was valued by a Traditional Appraisal Report or Hybrid Appraisal Report: Enter the number of bedrooms for each dwelling unit. For one-unit properties, include only above-grade bedrooms. For two- to four- unit properties, include both above and below-grade bedrooms. Enter “0” if the unit is a studio/efficiency. Leave blank if HVE was used to value the subject property. 78 Property Dwelling Unit Eligible Rent Amount If the subject property was valued by a Traditional Appraisal Report or Hybrid Appraisal Report: Enter the gross monthly rental income for each unit as indicated on the signed lease(s) for the Mortgaged Premises. If there is no active lease for a unit, or the Borrower rents the unit to a family member, enter the gross monthly rental income as estimated on the applicable appraisal report or addenda. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-65 (c) Data required when an appraisal is obtained in connection with valuing the Mortgaged Premises When an appraisal is used to value the Mortgaged Premises, the Seller must deliver the following ULDD Data Points: Data Required when an Appraisal was used to Value the Subject Property Sort ID ULDD Data Point Valid Value Notes PROPERTY → Appraisal Details 89/90 Property Valuation Method Type/Property Valuation Method Type Other Description (In Loan Selling Advisor, this appears as Property Valuation Method Type.) ▪ Desktop Appraisal ▪ Drive By ▪ Full Appraisal ▪ Other – Desk Review ▪ Other – Field Review ▪ Other – Hybrid Appraisal Enter “Desktop Appraisal” if a Desktop Appraisal Report was used to value the subject property. Enter “Drive By” if an Exterior Appraisal Report was used to value the subject property. Enter “Full Appraisal” if a Traditional Appraisal Report was used to value the subject property. Enter “Other – Desk Review” if a desk review was used to value the subject property. Enter “Other – Field Review” if a field review was used to value the subject property. Enter “Other - Hybrid Appraisal” if a Hybrid Appraisal Report was used. 82 Appraisal Identifier For conventional Mortgages only, enter the “Document File Identifier” assigned to the appraisal by the Uniform Collateral Data Portal® (UCDP®). The Document File Identifier assigned by the UCDP must be entered even if the appraisal value used to calculate the LTV ratio was determined using a subsequent appraisal review on a form not required to be submitted to the UCDP. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-66 Data Required when an Appraisal was used to Value the Subject Property Sort ID ULDD Data Point Valid Value Notes PARTY → Appraiser Details 528 Party Role Type1 Appraiser 525 Appraiser License Identifier Enter the state license number of the appraiser who completed the final estimate of value. ■ When the appraiser is a trainee and: ❑ Has a license identifier, deliver the trainee’s license identifier ❑ Does not have a license identifier, deliver the word “trainee” ■ When the appraiser is not a trainee and there is no supervisory appraiser, deliver the Appraiser License Identifier 1 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section. (d) Data if appraisal is signed by supervisor When the appraisal is signed by the appraiser’s supervisor, the Seller must deliver the following ULDD Data Points: Data Required when the Appraisal was Signed by a Supervisor Sort ID ULDD Data Point Valid Value Notes PARTY → Appraiser Details 537 Party Role Type1 Appraiser Supervisor 534 Appraiser License Identifier (In Loan Selling Advisor, this appears as “Appraiser Supervisor Identifier.”) Enter the state license number of the supervisor who signed the appraisal. ■ When Sort ID 528, Party Role Type “Appraiser,” is a trainee, always deliver the Appraiser Supervisor Identifier, whether or not the appraiser supervisor signed the appraisal AND Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-67 Data Required when the Appraisal was Signed by a Supervisor Sort ID ULDD Data Point Valid Value Notes PARTY → Appraiser Details whether or not the appraiser trainee has a license identifier ■ When the appraiser is not a trainee and there is no supervisory appraiser, leave the field blank (do not make any entry such as N/A or none) 1 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 6302.7 — Loan data required for ARMs · source URL · snapshot 5869ee9e606cd4ae