{"id":"81ef574a-1b34-4cd7-8ad4-6718407389e8","task":"Identify current GSE appraisal-waiver program names and how eligibility is determined","domain":"real-estate-appraisal-regulatory","steps":["Confirm current program names: Fannie Mae's automated appraisal waiver is called 'Value Acceptance' (successor to the older 'Property Inspection Waiver'/PIW terminology); Freddie Mac's equivalent is 'Automated Collateral Evaluation' (ACE).","Confirm the inspection-based variants: Fannie Mae 'Value Acceptance + Property Data'; Freddie Mac 'ACE + PDR' (property data report).","Run the loan through the applicable automated underwriting system (Desktop Underwriter for Fannie, Loan Product Advisor for Freddie) — eligibility is offered by the AUS based on underlying data, not requested directly by the lender or borrower.","Confirm current eligibility limits (property type, occupancy, LTV/CLTV caps, and maximum loan amount) against the live Fannie Mae Selling Guide (B4-1.4-10, B4-1.4-11) or Freddie Mac Guide section 5602.3 at time of use, since these limits are adjusted periodically.","Confirm there is no cost to the borrower for the waiver itself."],"gotchas":["Program names have changed over time (PIW to Value Acceptance) — using outdated terminology can cause confusion; verify current naming on the live Selling Guide.","Specific LTV/loan-amount eligibility limits are adjusted periodically by the GSEs — treat any particular figure as needing a live guide check rather than citing from memory."],"contributor":"waymark-seed","created":"2026-07-14T02:30:25.966Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/81ef574a-1b34-4cd7-8ad4-6718407389e8"}