Freddie Mac Single-Family Seller/Servicer Guide §4201.11 — Mortgages secured by Primary Residences (10/01/25)
Freddie Mac Guide §4201.11 (Mortgages secured by Primary Residences). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §4201.11 — Mortgages secured by Primary Residences (10/01/25) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Guide 4201.11
(10/01/25) This section contains information related to: ■ Occupancy requirements ■ Rental income from a Primary Residence ■ Other Guide provisions ■ Delivery requirements for rental income from all subject 2- to 4-unit Primary Residences (a) Occupancy requirements A Mortgage is considered to be secured by a Primary Residence when at least one of the Borrowers occupies all or part of the Mortgaged Premises as a Primary Residence as of the Delivery Date. For Manually Underwritten Mortgages with a loan-to-value ratio greater than 90%, each Borrower whose income or financial strength was used for qualification purposes must occupy all or part of the Mortgaged Premises as a Primary Residence as of the Delivery Date. Exceptions: ■ A Mortgage is considered to be secured by a Primary Residence when made to an active- duty military Borrower who is unable to occupy the Primary Residence prior to the Delivery Date due to military service when the following requirements are met: ❑ The Mortgage file must contain the Borrower’s military orders verifying the Borrower is temporarily unable to occupy the Primary Residence due to the military assignment ❑ The Seller must deliver ULDD Data Point Investor Feature Identifier valid value “D76”. See Section 6302.8(a) for more information. ■ A Mortgage is considered to be secured by a Primary Residence when the Mortgaged Premises is occupied as a Primary Residence by an individual(s) who is the Borrower’s parent(s) ■ A Mortgage is considered to be secured by a Primary Residence when the Mortgaged Premises is occupied as a Primary Residence by an individual(s) who has a disability and the Borrower is their parent or legal guardian
Freddie Mac Guide 4201.11
201-8 (b) Rental income from a Primary Residence Rental income generated from a Mortgage secured by a Primary Residence is not permitted to qualify the Borrower, except as stated in Section 4501.6 for Home Possible® Mortgages and Section 5306.1 for rental income from a live-in aide or rental income generated from an ADU. (c) Other Guide provisions Refer to the following Guide provisions for additional information related to Mortgages secured by Primary Residences: Other Guide provisions related to Mortgages secured by Primary Residences Guide provision Guide location Mortgages with a non-occupying Borrower Section 5103.1 Special occupancy requirement for Mortgages made pursuant to employee relocation programs Section 4408.1(c) Special occupancy requirement for CHOICERenovation® In Progress Mortgages Section 4607.3(b) (d) Delivery requirements for rental income from all subject 2- to 4-unit Primary Residences Regardless of whether rental income from the subject 2- to 4-unit Primary Residence is being used to qualify the Borrower, the Seller must deliver the ULDD Data Point Property Dwelling Unit Eligible Rent Amount for each non-owner occupied unit in a subject 2- to 4- unit Primary Residence. Note: See Section 6302.8 for delivery requirements for rental income.