Automated Collateral Evaluation Plus Property Data Report (ACE+ PDR)

Updated 2026-05-17

The Automated Collateral Evaluation Plus Property Data Report (ACE+ PDR) is a Government Sponsored Enterprise (GSE) initiative designed to assess collateral and provide eligibility for collateral representation and warranty (R&W) relief. It is an automated method used for property valuation, often serving as an alternative to a traditional appraisal in certain mortgage transactions. It leverages data analytics and property databases to estimate a property's value.

Eligibility and Process

When a loan is eligible for ACE+ PDR, the Loan Product Advisor (LPA) system displays a new banner at the top of the feedback certificate to notify users. Eligibility for collateral R&W relief is then assessed once the completed Property Data Report (PDR) is submitted to the Beyond ACE (bACE) API.

Implementation

This feature was implemented effective October 6, 2025, as announced in the Freddie Mac Loan Product Advisor Release Notes, November 2025.

Related Programs

For programs like the Refi Possible mortgage, Automated Collateral Valuation (ACE) is an acceptable form of property valuation, alongside a standard appraisal. When an appraisal is obtained for a Refi Possible mortgage, a $500 credit is provided and must be passed to the borrower.