08/29/2025
🏠Agents: Don’t Let a Clean Appraisal Fool You
Fannie and Freddie Mac are getting stricter—and it’s affecting deals in ways many agents aren’t expecting.
Even if the appraiser gives a thumbs-up, lenders may still reject the loan if there are unresolved issues like: 🔹 Water intrusion 🔹 Roof deterioration 🔹 Mold, radon, or asbestos 🔹 Structural concerns
These agencies now require visible or known hazards to be addressed, regardless of what’s in the appraisal report. That means underwriting teams are flagging properties that look fine on paper but raise red flags in reality.
💡 What this means for you: ✔️ Prep sellers to tackle repairs early ✔️ Educate buyers about potential underwriting hurdles ✔️ Stay ahead of Fannie/Freddie guidelines to protect your deals
📣 Bottom line: You’re not just selling homes—you’re navigating a shifting landscape of risk and regulation. The more you know, the smoother your closings.
Let’s keep deals alive and clients informed. 💬 Drop a comment if you’ve seen this play out recently!
