Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates
Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates. Full verbatim text, substring-verified against snapshot 378df5d8ba4cf58d.
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Verbatim provisions from Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates — 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 Bulletin 2026-12 (September 2, 2026) — Selling Updates — 1. TOPICS AND SUMMARY OF CHANGES
1. TOPICS AND SUMMARY OF CHANGES Topic Effective date Summary of change Additional resources Written verification of employment Immediate Added a written verification of employment as eligible documentation Yes Automated income assessment using tax data (self- employed) Immediate Expanded assessment of self-employed income from sole proprietorship when using tax transcripts Yes Manufactured Homes moved from another site Immediate Updated requirements to permit Mortgages secured by Manufactured Homes that have been moved from another site N/A Guide optimization Immediate Updated the Guide as part of the Guide optimization initiative N/A
Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates — 2. GUIDE REQUIREMENTS
2. GUIDE REQUIREMENTS Automated income assessments Written verification of employment (VOE) We have added a written VOE as eligible documentation for an automated income assessment to determine eligibility for representation and warranty relief for income calculation accuracy. Guide impacts: Sections 3402.2 and 5303.4 Automated income assessment using tax data (self-employed) We have removed the requirement that prohibits the use of tax transcripts with an automated assessment of self- employed income from a sole proprietorship reported on Internal Revenue Service Schedule C when other self- employed income is reflected on other tax schedules (e.g., Schedule E, Schedule F). 2 Bulletin Confidential, Proprietary Until Publication Guide impact: Section 5304.2 Manufactured Homes moved from another site We have updated our requirements to permit Mortgages secured by Manufactured Homes that have been moved from another site, provided the Manufactured Home: • Has been inspected to verify structural integrity by a licensed professional engineer or appropriate local, State or federal authority. The inspection report must be retained in the Mortgage file. • Is not located in a more restrictive wind, roof load and/or thermal zone than the zone for which the home was constructed Mortgage proceeds may not be used for paying costs for delivery and setup, anchoring on a permanent foundation system, site development, installation and permanent utility connections, including well and/or septic systems. Additionally, the Seller must deliver ULDD Data Point Investor Feature Identifier (Sort ID 368) valid value “K25”. Guide impacts: Sections 5703.2, 5703.5, 5703.6, 5703.13, 5706.3, 6302.25 and Exhibit 34 Guide optimization We have updated Sections 5103.1 through 5103.3 as part of the ongoing Guide optimization initiative, which is focused on improving content organization, usability, navigation and the overall user experience. No requirements were changed as a result of these updates. Guide impacts: Sections 5103.1 through 5103.3
Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates — 3. ADDITIONAL RESOURCES
3. ADDITIONAL RESOURCES Written VOE The October Loan Product Advisor® Release Notes (publishing on September 16, 2026) and the October Freddie Mac Income Calculator Release Notes will be available at Technology Releases - Freddie Mac Single- Family to announce technical updates and associated implementation dates related to these changes. The Loan Product Advisor feedback message matrix has been updated to reflect new messages and the effective date of the messages. Additional resources are not part of, or a substitute for, the Guide or other Purchase Documents. Automated income assessment using tax data (self-employed) The Loan Product Advisor feedback message matrix has been updated to reflect a new message and the effective date of the message. Additional resources are not part of, or a substitute for, the Guide or other Purchase Documents.
Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates — 4. GUIDE UPDATES SPREADSHEET AND TRACKED REVISIONS
4. GUIDE UPDATES SPREADSHEET AND TRACKED REVISIONS For a detailed list of the Guide updates associated with this Bulletin and tracked revisions of the Guide content, access the Bulletin 2026-12 (Selling) Guide Updates Spreadsheet and Guide Tracked Revisions via the Download drop-down available at https://guide.freddiemac.com/app/guide/bulletin/2026-12. The Guide Updates Spreadsheet and Guide Tracked Revisions are not part of, or a substitute for, the Guide or other Purchase Documents. 3 Bulletin Confidential, Proprietary Until Publication
Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates — 5. CONTACT AND SUPPORT
5. CONTACT AND SUPPORT If you have any questions about the changes announced in this Bulletin, please contact your Freddie Mac representative or call Customer Service at 800-FREDDIE. Sincerely, CONFIDENTIAL UNTIL PUBLICATION Kevin Kauffman Senior Vice President, Single-Family Seller Engagement
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