Lenders using Freddie Mac's Loan Prospector system will be able to forego a traditional appraisal on most low-risk mortgage transactions by paying a $50 or $200 delivery fee starting April 8. Instead of a traditional appraisal, which averages $334, Freddie Mac will rely on alternative collateral assessment techniques based on its own statistical modeling. It's not clear whether the government-sponsored enterprise will use any portion of the delivery fee it collects to purchase some form