The GSE collateral pathway — managed end to end.
Fannie Mae and Freddie Mac can accept the lender's value representation on eligible loans instead of requiring an independent appraisal. When a Property Data Report is required to support that waiver, Home Base manages the PDR workflow from assignment to submission.
The full picture
Value Acceptance (formerly known as appraisal waiver or ACE) is a Fannie Mae and Freddie Mac feature that allows qualifying loans to bypass the traditional appraisal requirement — using the lender's own collateral value representation instead. For transactions that require additional collateral confidence, the GSEs may condition value acceptance on a Property Data Report (PDR): a structured report completed by a trained data collector documenting the property's condition, photos, and physical characteristics. Home Base manages the PDR side of this equation — assigning trained collectors, reviewing the data for completeness, and ensuring the report meets GSE submission requirements so the lender can proceed with the value acceptance pathway.
Common use cases
- Purchase and refinance loans where Fannie Mae DU or Freddie Mac LPA has issued a value acceptance offer
- Transactions where the GSE conditions value acceptance on receipt of a Property Data Report (PDR)
- Lower-LTV and strong-credit-quality loans that fit within GSE value acceptance eligibility parameters
- Lenders building UAD 3.6-compliant collateral workflows ahead of the November 2026 deadline
- High-volume lenders seeking to reduce appraisal cycle time on eligible transactions without increasing collateral risk
Local expertise. Technology that runs lean. People who pick up the phone.
PDR Workflow Managed by Experts
Value acceptance relies on the quality of the Property Data Report — a poorly documented PDR can invalidate the waiver. Our collectors are trained in GSE data standards and our QC team reviews every report before submission to ensure it supports the acceptance, not risks it.
Nationwide Collector Network
Our trained data collector panel spans all 50 states — the same geographic depth as our appraiser network. Whether your value acceptance offer comes in on a loan in Nevada or North Carolina, we can assign a vetted collector quickly.
Escalation Ready If Needed
When a value acceptance offer isn't available or the property data raises questions that require a full appraisal, your account team can escalate the file immediately. No new vendor setup — we handle the full spectrum from PDR to traditional appraisal.
Learn more about Property Data Collection
The PDR that supports value acceptance is part of our broader Property Data Collection offering — including support for desktop and hybrid appraisals.
Let your GSE offer work harder.
Contact our team to discuss PDR eligibility, collector availability, and how to integrate value acceptance workflows into your existing loan origination process.