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Appraisals Not Always Needed for Fannie and Freddie Mortgages The good news for some of you is that if you have a Fannie Mae or Freddie Mac mortgage, you may be able to have the appraisal requirement waived in some cases for a purchase or refinance. freddie mac began their program in the summer of 2017, and Fannie Mae started to offer some appraisal free mortgages at the beginning of 2017.
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