Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety

fhlmc-5103-3

Freddie Mac Single-Family Seller/Servicer Guide Section 5103.3 — Endorser, guarantor and surety.

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source:
  type: guide
  id: fhlmc-5103.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 5103.3 — Endorser, guarantor and surety.
  coverage_tier: operative
  effective_date: '2025-07-02'
obligations:
  - id: fhlmc-5103.3-full
    canonical_id: fhlmc-5103.3-full
    section: Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
    description: 'A Mortgage with a personal endorser, guarantor and/or surety may be eligible for purchase by Freddie Mac provided the following requirements are met: ■ The endorsement, guaranty or surety agreement must not be qualified or limited in any manner ■ The endorser, guarantor or surety must not be an interested party to the transaction (for example, the builder, property seller, real estate agent or broker) Endorsers, guar'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - fhlmc
      - freddie-guide
      - section-complete
      - full-text-rebuild
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: 'A Mortgage with a personal endorser, guarantor and/or surety may be eligible for purchase by Freddie Mac provided the following requirements are met: ■ The endorsement, guaranty or surety agreement must not be qualified or limited in any manner ■ The endorser, guarantor or surety must not be an interested party to the transaction (for example, the builder, property seller, real estate agent or broker) Endorsers, guarantors and sureties who do not occupy the Mortgaged Premises must comply with all requirements for non-occupying Borrowers, including those in Section 5103.1.'
      drafter_attestation: Verbatim from Freddie Mac Seller/Servicer Guide 5103.3, snapshot 4c94f67729042dd6; substring-verified against the snapshot (defurnished projection) on 2026-08-23.
      verbatim_gate: defurnished
      fhlmc_effective_date: '2025-07-02'
    fhlmc_effective_date: '2025-07-02'

Verbatim regulatory text (1)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety — 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 5103.3 — Endorser, guarantor and surety

Effective 2025-07-02 · Freddie Mac's stamp for this section

A Mortgage with a personal endorser, guarantor and/or surety may be eligible for purchase by Freddie Mac provided the following requirements are met: ■ The endorsement, guaranty or surety agreement must not be qualified or limited in any manner ■ The endorser, guarantor or surety must not be an interested party to the transaction (for example, the builder, property seller, real estate agent or broker) Endorsers, guarantors and sureties who do not occupy the Mortgaged Premises must comply with all requirements for non-occupying Borrowers, including those in Section 5103.1.

Source: Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety · source URL · snapshot 4c94f67729042dd6

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Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety

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Source of record: https://claudeforcompliance.com/regs/fhlmc-5103-3/ · register fhlmc-5103-3 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.