Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation
Freddie Mac Single-Family Seller/Servicer Guide Section 5102.4 — Age of documentation.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation — 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 Single-Family Seller/Servicer Guide 5102.4 — Age of documentation
The section contains requirements related to: ■ Age of verifications ■ Age of documentation when data used for Loan Product Advisor® assessments (a) Age of verifications Verifications of information used to evaluate the Borrower’s creditworthiness must be dated no more than 120 calendar days before the Note Date1. Verifications subject to this requirement include verification of: ■ Employment ■ Existence of the business for a self-employed Borrower ■ Income, including current receipt of income ■ Source of funds ■ Payment history For an employed Borrower, the Seller must also confirm the Borrower’s employment by obtaining a 10-day pre-closing verification in accordance with the requirements of Section 5302.2(d). Certain Mortgages are subject to additional age of documentation requirements. Refer to the following Guide sections for requirements: ■ Section 4402.1(c) for Seller-Owned Converted Mortgages and Seller-Owned Modified Mortgages ■ Section 4602.2 for One-Time Close Construction to Permanent Mortgages ■ Section 5302.2(a) for year-to-date paystubs ■ Section 5302.4(b) for tax returns 1For the purposes of this section, all references to the Note Date refer, as applicable, to the: ■ Effective Date of Permanent Financing for Construction to Permanent Mortgages and Renovation Mortgages ■ Modification date for Seller-Owned Modified Mortgages ■ Conversion Date for Seller-Owned Converted Mortgages ■ Assumption agreement date for Mortgages that have been assumed (b) Age of documentation when data used for Loan Product Advisor assessments For Mortgages when data is used for the Loan Product Advisor assessment and a verification report is obtained, the expiration of the verification report reflected in feedback messaging on the Last Feedback Certificate complies with the requirement of Section 5102.4(a) above. Refer to the following table for the Guide sections related to the verification report requirements for Mortgages using automated assessment: Verification requirements for Mortgages using automated assessment Verification report requirements Guide section Mortgages using automated income assessment with Loan Product Advisor using employed income data Section 5303.4 Mortgages using automated asset assessment with Loan Product Advisor using account data Section 5501.8 Mortgages using automated income assessment with Loan Product Advisor using account data for employed income Section 5303.5 Mortgages using automated income assessment with Loan Product Advisor using account data for other income Section 5305.2 Mortgages using automated employment assessment with Loan Product Advisor Section 5302.6 Mortgages when rent payment history and Borrower’s cash flow are included in Loan Product Advisor’s assessment Section 5201.1
Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation
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Source of record: https://claudeforcompliance.com/regs/fhlmc-5102-4/
· register fhlmc-5102-4 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.