ACE+ PDR
ACE+ PDR is a collateral valuation offering that allows lenders to deliver eligible loans without an appraisal report. Additional property information is collected on-site by trained data collectors using a standardized format instead of an appraisal report.
ACE+ PDR Requirements and Eligibility
Lenders and borrowers can reap the cost and time saving benefits of ACE+ PDR on eligible purchase transactions up to applicable program limits. The Single-Family Seller/Servicer Guide (Guide) provides details about eligibility and requirements.
3 Ways ACE Can Help Lenders and Borrowers
Reduce Costs
Borrowers can save on average $400 per transaction compared to loans that use appraisal reports ($200 vs $600).
Speed Up Time to Close
ACE+ PDR loans close faster than those that use appraisal reports – as of Q2 2025, on average saving 12 days for purchases and 10 days for refinances.
Simplify Loan Origination
With ACE+ PDR lenders are required to review and deliver a property data report rather than an appraisal report.
How ACE+ PDR Works
- Step 1: Submit loan to Loan Product Advisor® (LPASM) before ordering an appraisal.
- Step 2: Review the LPA Feedback Certificate to see whether the loan is eligible for ACE+ PDR.
- Step 3: If eligible, order a PDR.
Documentation Requirements
For loans using ACE+ PDR, the PDR must use the Uniform Property Dataset (UPD) and must be submitted using the Beyond ACE (bACE) API.
Use the Beyond ACE (bACE) API to Improve Efficiency and Data Quality
Use bACE to receive feedback messaging to help you assess PDRs, make any necessary updates or changes and more conveniently submit PDRs to Freddie Mac.
Find a PDR Provider
Search for companies with interfaces verified by Freddie Mac that offer PDRs and/or property data collectors that can perform on-site property data collection resulting in a PDR.