Common Fannie Mae DO/DU and Freddie Mac LPA errors

Find details below for troubleshooting common Automated Underwriting System (AUS) errors and messages from Fannie Mae and Freddie Mac.

Important: ARIVE Support cannot interpret your findings for you or assist in getting an Approve/Eligible or Accept finding. If you have questions about your AUS findings, you should reach out to Fannie Mae or Freddie Mac directly.

Fannie Mae DO/DU troubleshooting

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Common errors and solutions

  • "XIS Internal Application Error"

    • This is caused by an issue on Fannie Mae's end. Reach out to them at 800-2FANNIE and they will be able to fix this.
    • Important: If they tell you the problem is not on their end, they are mistaken. Ask to speak to their Technical Troubleshooting Team.

  • "The user is inactive"

    • This can be caused by having uppercase characters in your DO username. Please ensure your username is entered in all-lowercase.
    • If the above does not fix this, reach out to Fannie Mae.

  • "Authentication User Error"

    • This is caused by a missing "default institution ID" or "default portfolio ID" in DU. Reach out to Fannie Mae at 800-2FANNIE and they will be able to fix this.

  • "General failure" or "GUSSBA_ERROR"

    • This is a general, unspecific error message from DO. Reach out to Fannie Mae at 800-2FANNIE and they will be able to help you fix this.

  • "The response for this GUID is not available or may not exist."

    • This error is caused by temporary system issues on Fannie Mae's end.

  • "Error 118337: Subject Property Type Code is missing from the 1003 file, or the property and/or project data element combinations are invalid in the MISMO 3.4 file"

    • This error is usually caused by the combination of "Property Type: Manufactured Home" and "Attachment Type: Attached". This is not a valid property type combination that will be accepted by DU.

  • "Error 118335"

    • This is usually caused by an invalid entry for employment. The error will list the field or fields that require attention.

  • "Invalid alpha field"

    • AUS may not recognize special characters. If you get this error, remove any special characters from the field mentioned in the error.

  • "Invalid numeric field" or "Invalid zip+4 field"

    • When typing in any address field, be sure to select one of the suggested addresses that populates, otherwise the system may not recognize the address as valid.

  • "ERROR - LIABILITY"

    • Re-issue the credit report and choose "Override Liabilities".

  • "Risk/Eligibility This case is ineligible because the co-borrowers are not married."

    • In the VA Info tab of the loan, set the married indicator to true.

  • "Risk/Eligibility 495 Gift Letter Source cannot be "N/A" when Gift Letter Amount is greater than zero"

    • On the Financial Info tab of the loan, under Assets, ensure you have entered an asset of the type "Gift" with the associated amount.

  • "Ineligible because a gift amount is shown in the Assets section but not in the Source of Downpayment section"

    • Enter the full gift amount in the Source of Downpayment section with a valid FHA Down Payment Type Code and re-submit.

  • "Enter tax payer ID"

    • Enter the sponsoring originator EIN on the AUS screen upon running AUS.

  • "Underwriting Checklist Error" or "Code = 118000"

    • Under the Underwriting Checklist, there will be an issue listed that provides the specific data element causing this error.

  • "ASSET/ASSET_TYPE Value not yet supported by Desktop Underwriter for government loans"

    • DU does not currently support the asset type entered.

  • "Casefile for resubmission request does not presently exist or has been archived"

    • This indicates you are using an invalid or expired case ID number. Re-run DO, this time selecting "New Case" in the Select Case ID dropdown.


For further help troubleshooting DU, see Fannie Mae's official DU Job Aid or the Desktop Underwriter & Desktop Originator Learning Center.

Freddie Mac LPA troubleshooting

Common errors and solutions

  • "Invalid Asset - Account Identifier is required"

    • This is caused by missing account numbers in the Financial Info tab.

  • "XIS Internal Application Error"

    • This is caused by an issue on Freddie Mac's end. Reach out to them at 800-FREDDIE and they will be able to fix this.
    • Important: If they tell you the problem is not on their end, they are mistaken. Ask to speak to their Technical Troubleshooting Team.

  • "Unauthorized"

    • This error is caused by your username or password being entered incorrectly. You must enter your system-to-system credentials, not your regular Freddie Mac credentials.
    • Note: Your system-to-system username will contain "sys2sys", usually at the end. Call Freddie Mac at 800-FREDDIE if you don't know your system-to-system credentials.

  • "Contact Customer Support (800-FREDDIE). User role is not authorized for Loan Product Advisor access"

    • This results from an account setting on Freddie Mac's end. Reach out to them at 800-FREDDIE and they will be able to help you fix this.

  • "PLP0150 MERGED CREDIT ORDER*ERROR: Borrower _ does not match reference number"

    • This is caused by a discrepancy between credit details and borrower details. Verify that the borrower's data matches the credit report.

  • "The TOTAL Scorecard experienced an error while processing"

    • This indicates an issue with FHA TOTAL Scorecard, or with LPA's connection to it. You can reach out to Freddie Mac at 800-FREDDIE for more information.

  • "Loan Product Advisor is currently not available"

    • This indicates that LPA is experiencing an outage. You can reach out to Freddie Mac at 800-FREDDIE for more information.


For further help troubleshooting LPA, see Freddie Mac's Loan Product Advisor Training Resources.

Frequently asked questions


How do I get an approve/eligible finding on my file?


ARIVE cannot interpret AUS findings or assist with obtaining approvals. For questions regarding findings or eligibility concerns, you will need to contact Fannie Mae and/or Freddie Mac directly.


Can I run AUS with a soft credit pull?


Yes, but not all soft credit pulls are acceptable. ARIVE has no control over whether your credit vendor's soft pull will be accepted for an AUS run. If you are unable to run AUS with a soft credit pull, you will need to contact your credit vendor to investigate further.


Why doesn't the 'Funds Required to Close' in my DU findings match the 'Cash to Close' in the loan file?


It’s normal for these numbers to differ. DU typically reflects only the minimum funds required to qualify, such as the down payment, whereas the loan file calculates all cash needed. Per Fannie Mae’s Selling Guide, these two fields may differ. For further interpretation, we recommend reaching out directly to Fannie Mae.