Freddie Mac Seller/Servicer Guide — Full Verbatim Text
The Freddie Mac Single-Family Seller/Servicer Guide — free, verbatim, and searchable. Freddie publishes it as one continuous guide; here it is broken into 855 individual sections across Series 1000–9000, each carrying the Guide’s exact text with 1,207 extracted requirements, plus section-scoped spreadsheet downloads.
Looking for a specific requirement — Seller/Servicer eligibility, credit documentation, underwriting and Loan Product Advisor, appraisal and collateral, Home Possible, selling and delivery, servicing responsibilities, delinquency and loss mitigation? Jump to the section below. Every page is the verbatim Guide text, not a summary.
Most-asked sections
- 1302.8 — Use of artificial intelligence and machine learning
- 1301.6 — Enforcement of representations and warranties
- 3401.3 — Credit documentation
- 5101.1 — General information for using Loan Product Advisor
- 4501.6 — Borrower income and qualifying ratios, Home Possible
- 9101.1 — Servicer collection efforts
Series 1000 47
Chapter 1101
- Freddie Mac Single-Family Seller/Servicer Guide 1101.1 — Introduction to the Guide
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 1101.1 — Introduction to the Guide
- Freddie Mac Single-Family Seller/Servicer Guide 1101.2 — Legal effect of the Guide and other Purchase Documents
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 1101.2 — Legal effect of the Guide and other Purchase Documents
- Freddie Mac Single-Family Seller/Servicer Guide 1101.3 — Occurrence of a Claims Event; resulting liability immediately due and owing to Freddie Mac
Chapter 1201
- Freddie Mac Single-Family Seller/Servicer Guide 1201.1 — Objective of Freddie Mac’s purchase programs
- Freddie Mac Single-Family Seller/Servicer Guide 1201.2 — Overview of Freddie Mac’s purchase programs
- Freddie Mac Single-Family Seller/Servicer Guide 1201.3 — Characterization and nature of Mortgage purchase transactions
- Freddie Mac Single-Family Seller/Servicer Guide 1201.4 — Limitation on Mortgage purchases and commitments
- Freddie Mac Single-Family Seller/Servicer Guide 1201.5 — Servicing in accordance with Purchase Documents
- Freddie Mac Single-Family Seller/Servicer Guide 1201.6 — Transfer costs
- Freddie Mac Single-Family Seller/Servicer Guide 1201.7 — Sale of Mortgages by Freddie Mac
- Freddie Mac Single-Family Seller/Servicer Guide 1201.8 — Receipt and treatment of confidential information
- Freddie Mac Single-Family Seller/Servicer Guide 1201.9 — The Mortgage file, Mortgage data and related records
- Freddie Mac Single-Family Seller/Servicer Guide 1201.10 — Minority-Owned, Women-Owned and Disabled-Owned Business Enterprises
- Freddie Mac Single-Family Seller/Servicer Guide 1201.11 — Audit confirmation requests
Chapter 1301
- FHLMC Single-Family Seller/Servicer Guide Chapter 1301 — General Responsibilities of the Seller/Servicer
- Freddie Mac Single-Family Seller/Servicer Guide 1301.1 — Submission of data to Freddie Mac
- Freddie Mac Single-Family Seller/Servicer Guide 1301.2 — Compliance with applicable law
- Freddie Mac Single-Family Seller/Servicer Guide 1301.3 — Inspection of records
- Freddie Mac Single-Family Seller/Servicer Guide 1301.4 — Authorization and agreements
- Freddie Mac Single-Family Seller/Servicer Guide 1301.5 — Warranties, representations and review
- Freddie Mac Single-Family Seller/Servicer Guide 1301.6 — Enforcement of representations and warranties related to underwriting of the Borrower, Mortgaged Premises and project
- Freddie Mac Single-Family Seller/Servicer Guide 1301.7 — Non-discrimination
Chapter 1302
- Freddie Mac Single-Family Seller/Servicer Guide 1302.1 — Overview of information security and business continuity planning requirements
- Freddie Mac Single-Family Seller/Servicer Guide 1302.2 — Information security
- Freddie Mac Single-Family Seller/Servicer Guide 1302.3 — Business continuity planning
- Freddie Mac Single-Family Seller/Servicer Guide 1302.4 — Disaster recovery plan
- Freddie Mac Single-Family Seller/Servicer Guide 1302.5 — Incident notification and related obligations
- Freddie Mac Single-Family Seller/Servicer Guide 1302.6 — Document retention and destruction
- Freddie Mac Single-Family Seller/Servicer Guide 1302.7 — Information security and other requirements for Related Third Parties
- Freddie Mac Single-Family Seller/Servicer Guide 1302.8 — Use of artificial intelligence and machine learning
Chapter 1401
- Freddie Mac Single-Family Seller/Servicer Guide 1401 — Electronic Transactions
- Freddie Mac Single-Family Seller/Servicer Guide 1401.1 — Overview and defined terms
- Freddie Mac Single-Family Seller/Servicer Guide 1401.2 — General requirements and security standards for Eligible Electronic Transactions
- Freddie Mac Single-Family Seller/Servicer Guide 1401.3 — Electronic Signatures and Electronic Loan Documents
- Freddie Mac Single-Family Seller/Servicer Guide 1401.4 — Representations, warranties and covenants for Eligible Electronic Transactions; indemnification and liability; applicable law
Chapter 1402
- Freddie Mac Single-Family Seller/Servicer Guide 1402.1 — Introduction to eMortgages; Seller/Servicer and Product Eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 1402.2 — eMortgage Technical and Process Requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 1402.2 — eMortgage Technical and Process Requirements
- Freddie Mac Single-Family Seller/Servicer Guide 1402.3 — Delivering eMortgages
- Freddie Mac Single-Family Seller/Servicer Guide 1402.4 — eNote custodian requirements
- Freddie Mac Single-Family Seller/Servicer Guide 1402.5 — Servicing eMortgages
- Freddie Mac Single-Family Seller/Servicer Guide 1402.6 — Warehouse Lender requirements
Chapter 1501
- Freddie Mac Single-Family Seller/Servicer Guide 1501 — Master Agreements, Pricing
- Freddie Mac Single-Family Seller/Servicer Guide 1501.1 — Master Agreements, Pricing Identifier Terms, Guide Plus Additional Provisions and other Purchase Documents
- Freddie Mac Single-Family Seller/Servicer Guide 1501.2 — Purchase Contract provisions
Series 2000 54
Chapter 2101
- Freddie Mac Single-Family Seller/Servicer Guide 2101.1 — Eligibility criteria
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.1 — Eligibility criteria
- Freddie Mac Single-Family Seller/Servicer Guide 2101.2 — Acceptable Net Worth and other financial requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.2 — Acceptable Net Worth and other financial requirements
- Freddie Mac Single-Family Seller/Servicer Guide 2101.3 — Activity and reporting requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.3 — Activity thresholds and no-activity fee
- Freddie Mac Single-Family Seller/Servicer Guide 2101.4 — Insurance coverage and requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.4 — Financial reporting
- Freddie Mac Single-Family Seller/Servicer Guide 2101.5 — Organizational changes and Servicing transfers
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.5 — Mortgage bankers financial reporting
- Freddie Mac Single-Family Seller/Servicer Guide 2101.6 — Seller/Servicer responsibilities regarding Related Third Parties
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.6 — Seller/Servicer insurance requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.7 — Fidelity insurance coverage
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.8 — Mortgagee’s errors and omissions (E&O) insurance coverage
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.9 — Seller/Servicer insurance reporting requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.10 — Annual certification
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.11 — Annual reporting requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.12 — Reporting of changes in Seller/Servicer’s organization or status
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.13 — Transfer of assets to an entity that is not a Freddie Mac-approved Seller/Servicer
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.14 — Seller/Servicer changes that result in a Transfer of Servicing
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2101.15 — Seller/Servicer responsibilities regarding Related Third Parties
Chapter 2201
Chapter 2202
- Freddie Mac Single-Family Seller/Servicer Guide 2202.1 — Document Custodian eligibility and requirements
- Freddie Mac Single-Family Seller/Servicer Guide 2202.2 — Contracting with a Document Custodian
- Freddie Mac Single-Family Seller/Servicer Guide 2202.3 — Document Custodian duties and responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 2202.4 — Transfer of custody and terminating Tri-Party Agreements
Chapter 2301
- Freddie Mac Single-Family Seller/Servicer Guide 2301.1 — Disqualification or suspension of Seller’s eligibility to sell
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2301.1 — Disqualification or suspension of Seller’s eligibility to sell
- Freddie Mac Single-Family Seller/Servicer Guide 2301.2 — Request for voluntary termination of status as a Freddie Mac Seller or Servicer
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2301.2 — Request for voluntary termination of status as a Freddie Mac Seller or Servicer
- Freddie Mac Single-Family Seller/Servicer Guide 2301.3 — Appeals and final decision
Chapter 2402
- Freddie Mac Single-Family Seller/Servicer Guide 2402.1 — System-Specific License for Specifications
- Freddie Mac Single-Family Seller/Servicer Guide 2402.2 — System-Specific Licenses
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2402.2 — System-Specific Licenses
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 2402.2 — System-Specific Licenses
- Freddie Mac Single-Family Seller/Servicer Guide 2402.3 — Other System-Specific Licenses
Chapter 2403
- Freddie Mac Single-Family Seller/Servicer Guide 2403.1 — Selling Mortgages through Loan Selling Advisor®
- Freddie Mac Single-Family Seller/Servicer Guide 2403.2 — Mortgage Selling Agents and user roles
- Freddie Mac Single-Family Seller/Servicer Guide 2403.3 — Termination of eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 2403.4 — Consent to conduct Electronic Transactions
Chapter 2404
Chapter 2405
Chapter 2408
- Freddie Mac Single-Family Seller/Servicer Guide 2408.1 — Mortgage relation to Chapters 2404, 2405, 2406 and 2407
- Freddie Mac Single-Family Seller/Servicer Guide 2408.2 — Usage and integration of Servicing Tools and Excluded Servicing Tools
- Freddie Mac Single-Family Seller/Servicer Guide 2408.3 — Compliance and legal framework
- Freddie Mac Single-Family Seller/Servicer Guide 2408.4 — Electronic Transactions management
Series 3000 31
Chapter 3101
Chapter 3201
- Freddie Mac Single-Family Seller/Servicer Guide 3201.1 — Fraud prevention and detection measures
- Freddie Mac Single-Family Seller/Servicer Guide 3201.2 — Fraud and other Suspicious Activity reporting requirements
- Freddie Mac Single-Family Seller/Servicer Guide 3201.3 — Fraud cooperation and additional requirements
Chapter 3301
Chapter 3302
Chapter 3401
- FHLMC Single-Family Seller/Servicer Guide Chapter 3401 — Postfunding Quality Control Reviews
- Freddie Mac Single-Family Seller/Servicer Guide 3401.1 — Postfunding quality control processes
- Freddie Mac Single-Family Seller/Servicer Guide 3401.2 — Documentation and instruments
- Freddie Mac Single-Family Seller/Servicer Guide 3401.3 — Credit documentation
- Freddie Mac Single-Family Seller/Servicer Guide 3401.4 — Sales contract
- Freddie Mac Single-Family Seller/Servicer Guide 3401.5 — Specialty Mortgages and other considerations
Chapter 3402
- Freddie Mac Single-Family Seller/Servicer Guide 3402.1 — Quality control program structure
- Freddie Mac Single-Family Seller/Servicer Guide 3402.2 — Quality control processes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 3402.2 — Quality control processes
- Freddie Mac Single-Family Seller/Servicer Guide 3402.3 — Documenting and reporting
Chapter 3403
Chapter 3501
Chapter 3602
- Freddie Mac Single-Family Seller/Servicer Guide 3602.1 — Defined terms
- Freddie Mac Single-Family Seller/Servicer Guide 3602.2 — Repurchases requirements and alternatives
- Freddie Mac Single-Family Seller/Servicer Guide 3602.3 — Repurchase pricing and documentation
- Freddie Mac Single-Family Seller/Servicer Guide 3602.4 — Appeal and dispute resolution processes
Chapter 3603
- Freddie Mac Single-Family Seller/Servicer Guide 3603.1 — Termination of Servicing Contracts and related Servicing Contract Rights
- Freddie Mac Single-Family Seller/Servicer Guide 3603.2 — Servicing transfers and compensation
- Freddie Mac Single-Family Seller/Servicer Guide 3603.3 — Documentation and remittance requirements
Series 4000 217
Chapter 4101
- FHLMC Single-Family Seller/Servicer Guide Chapter 4101 — The Mortgage Application
- Freddie Mac Single-Family Seller/Servicer Guide 4101.1 — The Mortgage application
- Freddie Mac Single-Family Seller/Servicer Guide 4101.2 — Home Mortgage Uniform Instruments
- Freddie Mac Single-Family Seller/Servicer Guide 4101.3 — Master Form and Short Form Security Instruments
- Freddie Mac Single-Family Seller/Servicer Guide 4101.4 — Authorized changes to Uniform Instruments
- Freddie Mac Single-Family Seller/Servicer Guide 4101.5 — Availability of Uniform Instruments
- Freddie Mac Single-Family Seller/Servicer Guide 4101.6 — Signatures required
- Freddie Mac Single-Family Seller/Servicer Guide 4101.7 — Seller’s duties regarding Uniform Instruments
- Freddie Mac Single-Family Seller/Servicer Guide 4101.8 — Execution, acknowledgment and recordation of the Security Instrument
- Freddie Mac Single-Family Seller/Servicer Guide 4101.9 — Due-on-sale provisions
- Freddie Mac Single-Family Seller/Servicer Guide 4101.10 — Advances
- Freddie Mac Single-Family Seller/Servicer Guide 4101.11 — Origination and delivery of Mortgages using a New York Consolidation, Extension and Modification Agreement (the “NY CEMA”)
Chapter 4201
- Freddie Mac Single-Family Seller/Servicer Guide 4201.1 — Investment Quality Mortgage
- Freddie Mac Single-Family Seller/Servicer Guide 4201.2 — Mortgage valid First Lien; no prior liens; Mortgage not modified
- Freddie Mac Single-Family Seller/Servicer Guide 4201.3 — Amortization and term
- Freddie Mac Single-Family Seller/Servicer Guide 4201.4 — Closed Mortgages and Settlement Date requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4201.5 — Principal amount advanced; no mandatory future advances; outstanding balance
- Freddie Mac Single-Family Seller/Servicer Guide 4201.6 — Mortgage not in default
- Freddie Mac Single-Family Seller/Servicer Guide 4201.7 — Assumption of Mortgage
- Freddie Mac Single-Family Seller/Servicer Guide 4201.8 — Wholesale Home Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4201.9 — General property insurance requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4201.10 — No circumstances adversely affecting value of Mortgage
- Freddie Mac Single-Family Seller/Servicer Guide 4201.11 — Mortgages secured by Primary Residences
- Freddie Mac Single-Family Seller/Servicer Guide 4201.12 — Second home Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4201.13 — Investment Property Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4201.14 — Impact of Contaminated Sites
- Freddie Mac Single-Family Seller/Servicer Guide 4201.15 — Escrow accounts
Chapter 4202
Chapter 4203
- Freddie Mac Single-Family Seller/Servicer Guide 4203 — Loan-to-Value (LTV), Total LTV
- Freddie Mac Single-Family Seller/Servicer Guide 4203.1 — Loan-to-value (LTV), total LTV (TLTV) and Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and maximum loan amounts
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4203.1 — Loan-to-value (LTV), total LTV (TLTV) and Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and maximum loan amounts
Chapter 4204
- FHLMC Single-Family Seller/Servicer Guide Chapter 4204 — Secondary Financing and Other Financing Arrangements
- Freddie Mac Single-Family Seller/Servicer Guide 4204.1 — Mortgages with secondary financing
- Freddie Mac Single-Family Seller/Servicer Guide 4204.2 — Affordable Seconds®
- Freddie Mac Single-Family Seller/Servicer Guide 4204.3 — Temporary subsidy buydown plans
- Freddie Mac Single-Family Seller/Servicer Guide 4204.4 — Shared equity plans
Chapter 4205
- Freddie Mac Single-Family Seller/Servicer Guide 4205.1 — Section 502 GRH Mortgages guaranteed by USDA Rural Housing Service (RHS)
- Freddie Mac Single-Family Seller/Servicer Guide 4205.2 — Home Possible® Mortgages with RHS Leveraged Seconds
- Freddie Mac Single-Family Seller/Servicer Guide 4205.3 — Section 184 Indian Housing Loan Guarantee Program Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4205.4 — FHA and VA Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4205.5 — Mortgage previously sold to the Government National Mortgage Association (GNMA)
Chapter 4301
- Freddie Mac Single-Family Seller/Servicer Guide 4301.1 — Refinance Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4301.2 — Borrower requirements for refinance Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4301.3 — Refinance practices
- Freddie Mac Single-Family Seller/Servicer Guide 4301.4 — “No cash-out” refinance Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4301.5 — Cash-out refinance Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4301.6 — Special purpose cash-out refinance Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4301.7 — Texas Equity Section 50(a)(6) Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4301.7 — Texas Equity Section 50(a)(6) Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4301.8 — Refinance of Mortgages secured by properties subject to an energy retrofit loan
Chapter 4302
- Freddie Mac Single-Family Seller/Servicer Guide 4302.1 — Purchase of Refi Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4302.2 — Acceptable refinance practices
- Freddie Mac Single-Family Seller/Servicer Guide 4302.3 — Eligibility requirements for the Mortgage being refinanced
- Freddie Mac Single-Family Seller/Servicer Guide 4302.4 — Borrower eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 4302.5 — Special eligibility and underwriting requirements for Refi Possible®
- Freddie Mac Single-Family Seller/Servicer Guide 4302.6 — Credit enhancements
- Freddie Mac Single-Family Seller/Servicer Guide 4302.7 — Delivery and pooling
- Freddie Mac Single-Family Seller/Servicer Guide 4302.8 — Credit Fees
Chapter 4303
- Freddie Mac Single-Family Seller/Servicer Guide 4303 — Freddie Mac Relief Refinance
- Freddie Mac Single-Family Seller/Servicer Guide 4303.1 — Freddie Mac Relief Refinance MortgagesSM – Open Access
- Freddie Mac Single-Family Seller/Servicer Guide 4303.2 — Freddie Mac Relief Refinance MortgagesSM – Open Access: Eligibility requirements, eligible Mortgages and ineligible Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4303.3 — Requirements for Freddie Mac Relief Refinance MortgagesSM – Open Access
- Freddie Mac Single-Family Seller/Servicer Guide 4303.4 — Delivery and pooling requirements for Freddie Mac Relief Refinance MortgagesSM – Open Access
- Freddie Mac Single-Family Seller/Servicer Guide 4303.5 — Credit Fees in Price and other assessments and credits for Freddie Mac Relief Refinance MortgagesSM – Open Access
- Freddie Mac Single-Family Seller/Servicer Guide 4303.6 — Other Guide provisions related to Freddie Mac Relief Refinance MortgagesSM – Open Access
Chapter 4304
- Freddie Mac Single-Family Seller/Servicer Guide 4304.1 — General eligibility requirements for Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.2 — Underwriting Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.3 — Minimum and maximum LTV, TLTV and HTLTV ratios for Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.4 — Borrower eligibility for Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.5 — Additional underwriting requirements for certain Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.6 — Incentives and contributions for Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.7 — Property eligibility and valuation for Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.8 — Mortgage insurance and credit enhancements for Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4304.9 — Cash adjustor under fixed-rate Cash for Freddie Mac Enhanced Relief Refinance® Mortgages
Chapter 4305
Chapter 4401
Chapter 4402
- Freddie Mac Single-Family Seller/Servicer Guide 4402 — Seller-Owned Converted
- Freddie Mac Single-Family Seller/Servicer Guide 4402.1 — Common requirements for Seller-Owned Converted Mortgages and Seller-Owned Modified Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4402.2 — Special requirements for Seller-Owned Converted Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4402.3 — Uniform Instruments and nonstandard documents for Seller-Owned Converted Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4402.4 — Special requirements for Seller-Owned Modified Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4402.5 — Uniform Instruments for Seller-Owned Modified Mortgages
Chapter 4403
Chapter 4404
Chapter 4405
Chapter 4406
- Freddie Mac Single-Family Seller/Servicer Guide 4406.1 — Eligibility and underwriting requirements for Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.2 — Resale restriction requirements for Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.3 — Payment of financial obligation requirements for Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.4 — Appraisal requirements for Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.5 — Determining value to calculate the loan-to- value (LTV), total LTV (TLTV) and Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios on Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.6 — Documentation options and public land records requirements for Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.7 — Right of first refusal requirements for Mortgages secured by properties subject to resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.8 — Mortgages secured by properties subject to income-based resale restrictions
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4406.8 — Mortgages secured by properties subject to income-based resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.9 — Excess proceeds for Mortgages secured by properties subject to income-based resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.10 — Requirements for Affordable Seconds®, subsidy providers and program administrators for Mortgages secured by properties subject to incomebased resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 4406.11 — Special delivery requirements for Mortgages secured by properties subject to income-based resale restrictions
Chapter 4407
- Freddie Mac Single-Family Seller/Servicer Guide 4407.1 — Eligibility of properties impacted by a disaster
- Freddie Mac Single-Family Seller/Servicer Guide 4407.2 — Representation and warranty relief for automated collateral evaluation (ACE) or ACE+ PDR offers and Loan Collateral Advisor®
- Freddie Mac Single-Family Seller/Servicer Guide 4407.3 — Age of documentation and Loan Product Advisor® submission requirements in Eligible Disaster Areas
Chapter 4408
- Freddie Mac Single-Family Seller/Servicer Guide 4408.1 — Mortgages made pursuant to employee relocation programs
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4408.1 — Mortgages made pursuant to employee relocation programs
Chapter 4501
- Freddie Mac Single-Family Seller/Servicer Guide 4501.1 — Eligible and ineligible Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.2 — Temporary subsidy buydown plans for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.3 — Eligible property and appraisal requirements for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.4 — Eligible Borrowers for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.5 — Underwriting requirements for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.6 — Borrower income and qualifying ratios for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.7 — Loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios, Borrower contribution, reserves, sources of funds for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.8 — Mortgage insurance for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.9 — Homeownership education and landlord education for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4501.10 — Credit Fees for Home Possible® Mortgages
Chapter 4502
- Freddie Mac Single-Family Seller/Servicer Guide 4502 — Affordable Housing Preservation:
- Freddie Mac Single-Family Seller/Servicer Guide 4502.1 — Overview for Community Land Trust
- Freddie Mac Single-Family Seller/Servicer Guide 4502.2 — Eligible Borrowers for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.3 — Eligible and ineligible Community Land Trust Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4502.3 — Eligible and ineligible Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.4 — Loan purpose, eligible property and occupancy types and underwriting requirements for Community Land Trust Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4502.4 — Loan purpose, eligible property and occupancy types and underwriting requirements for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.5 — Maximum loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and value for Community Land Trust Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4502.5 — Maximum loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and value for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.6 — Appraisal requirements for Community Land Trust Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4502.6 — Appraisal requirements for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.7 — Requirements for Community Land Trust Ground Leases and Ground Lease Riders
- Freddie Mac Single-Family Seller/Servicer Guide 4502.8 — Security Instruments for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.9 — Real property, title and lien requirements for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.10 — Other requirements for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4502.11 — Landlord education
Chapter 4503
Chapter 4504
- Freddie Mac Single-Family Seller/Servicer Guide 4504.1 — Purchase of HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.2 — Overview of HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.3 — Eligible Borrowers for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.4 — Ineligible HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.5 — General eligibility requirements for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.6 — Underwriting requirements, qualifying ratios and maximum loan-to-value (LTV)/total LTV (TLTV) ratios for HeritageOne® Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4504.6 — Underwriting requirements, qualifying ratios and maximum loan-to-value (LTV)/total LTV (TLTV) ratios for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.7 — Borrower contribution, reserves and sources of funds for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.8 — HeritageOne® Mortgages that are leasehold Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4504.8 — HeritageOne® Mortgages that are leasehold Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.9 — Appraisal requirements for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.10 — Mortgage insurance and title insurance requirements for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.11 — Mortgage file requirements for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4504.12 — Credit Fees for HeritageOne® Mortgages
Chapter 4601
Chapter 4602
Chapter 4603
- Freddie Mac Single-Family Seller/Servicer Guide 4603.1 — Definition of super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4603.2 — Minimum and maximum original loan amounts for super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4603.3 — Eligible and ineligible super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4603.4 — Underwriting requirements for super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4603.5 — Appraisal requirements for super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4603.6 — Delivery and pooling requirements for super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4603.7 — Credit Fees for super conforming Mortgages
Chapter 4604
- Freddie Mac Single-Family Seller/Servicer Guide 4604.1 — Purchase of Affordable Merit Rate® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4604.2 — Eligible Affordable Merit Rate® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4604.3 — Special underwriting requirements for Affordable Merit Rate® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4604.4 — Other requirements for Affordable Merit Rate® Mortgages
Chapter 4606
- Freddie Mac Single-Family Seller/Servicer Guide 4606.1 — Eligible Mortgages and improvements, and use of Mortgage proceeds
- Freddie Mac Single-Family Seller/Servicer Guide 4606.2 — Determination of value for the loan-to-value (LTV)/total loan-to-value (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratio, underwriting requirements and qualifying ratios
- Freddie Mac Single-Family Seller/Servicer Guide 4606.3 — Mortgage requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4606.4 — Energy reports
- Freddie Mac Single-Family Seller/Servicer Guide 4606.5 — Transfers of Servicing
- Freddie Mac Single-Family Seller/Servicer Guide 4606.6 — Delivery requirements and Credit Fees
- Freddie Mac Single-Family Seller/Servicer Guide 4606.7 — Funds for eligible renovations and contingency reserve requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4606.8 — Property insurance
- Freddie Mac Single-Family Seller/Servicer Guide 4606.9 — Representations and warranties for CHOICEReno eXPress® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4606.10 — Transfers of Servicing
- Freddie Mac Single-Family Seller/Servicer Guide 4606.11 — Delivery requirements
Chapter 4607
- Freddie Mac Single-Family Seller/Servicer Guide 4607.1 — CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.2 — Eligible and ineligible CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.3 — Property eligibility and occupancy for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.4 — General eligibility requirements for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.5 — Underwriting CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.6 — Eligible renovations for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.7 — Maximum financed renovation costs for CHOICERenovation® Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4607.7 — Maximum financed renovation costs for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.8 — Appraisal requirements for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.9 — Seller responsibilities for renovation work and process for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.10 — Contractor requirements and advancing the costs of materials for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.11 — Funds for renovations and contingency reserve requirements for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.12 — Custodial Accounts for Renovation Funds for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.13 — Property insurance for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.14 — Recourse for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.15 — Representations and warranties for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4607.16 — CHOICERenovation® Mortgages combined with GreenCHOICE Mortgages® and credit for Credit Fees
- Freddie Mac Single-Family Seller/Servicer Guide 4607.17 — Transfers of Servicing for CHOICERenovation® Mortgages
Chapter 4701
- Freddie Mac Single-Family Seller/Servicer Guide 4701.1 — Mortgage insurance
- Freddie Mac Single-Family Seller/Servicer Guide 4701.2 — Mortgage insurance premiums
- Freddie Mac Single-Family Seller/Servicer Guide 4701.3 — Commissions, fees or other compensation on insurance
- Freddie Mac Single-Family Seller/Servicer Guide 4701.4 — Late charges
- Freddie Mac Single-Family Seller/Servicer Guide 4701.5 — Mortgage insurance for Cooperative Share Loans
Chapter 4702
- Freddie Mac Single-Family Seller/Servicer Guide 4702.1 — General Freddie Mac title insurance requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4702.2 — Title insurance policy requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4702.3 — Attorney opinion of title letter
- Freddie Mac Single-Family Seller/Servicer Guide 4702.4 — Acceptable exceptions to the title insurance policy or to the attorney’s opinion of title letter
- Freddie Mac Single-Family Seller/Servicer Guide 4702.5 — Special title insurance requirements for Texas Equity Section 50(a)(6) Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 4702.6 — Title insurance requirements for Cooperative Projects and Cooperative Share Loans
- Freddie Mac Single-Family Seller/Servicer Guide 4702.7 — Title insurance requirements for HeritageOne® Mortgages
Chapter 4703
- Freddie Mac Single-Family Seller/Servicer Guide 4703.1 — General property insurance requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.1 — General property insurance requirements
- Freddie Mac Single-Family Seller/Servicer Guide 4703.2 — Minimum required property insurance types and amounts
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.2 — Minimum property insurance types and amounts
- Freddie Mac Single-Family Seller/Servicer Guide 4703.3 — Flood insurance
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.3 — Flood insurance
- Freddie Mac Single-Family Seller/Servicer Guide 4703.4 — Localized perils insurance
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.4 — Liability insurance for Condominium Projects and Cooperative Projects
- Freddie Mac Single-Family Seller/Servicer Guide 4703.5 — Liability insurance for Condominium Projects and Cooperative Projects
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.5 — Fidelity or employee dishonesty insurance for Condominium Projects and Cooperative Projects
- Freddie Mac Single-Family Seller/Servicer Guide 4703.6 — Fidelity or employee dishonesty insurance for Condominium Projects and Cooperative Projects
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.6 — Mortgage clause
- Freddie Mac Single-Family Seller/Servicer Guide 4703.7 — Mortgagee clause
Series 5000 161
Chapter 5101
Chapter 5102
- Freddie Mac Single-Family Seller/Servicer Guide 5102.1 — Underwriting a Mortgage
- Freddie Mac Single-Family Seller/Servicer Guide 5102.2 — Methods of underwriting
- Freddie Mac Single-Family Seller/Servicer Guide 5102.3 — General requirements for verification documents
- Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation
Chapter 5103
- Freddie Mac Single-Family Seller/Servicer Guide 5103.1 — Mortgages including a non-occupying Borrower
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5103.1 — Mortgages including a non-occupying Borrower
- Freddie Mac Single-Family Seller/Servicer Guide 5103.2 — Permanent and nonpermanent resident aliens
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5103.2 — Permanent and nonpermanent resident aliens
- Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
- Freddie Mac Single-Family Seller/Servicer Guide 5103.4 — Homeownership education
- Freddie Mac Single-Family Seller/Servicer Guide 5103.5 — Living Trust
- Freddie Mac Single-Family Seller/Servicer Guide 5103.6 — Land Trust
Chapter 5201
Chapter 5202
Chapter 5203
Chapter 5301
- Freddie Mac Single-Family Seller/Servicer Guide 5301 — General Requirements for All
- Freddie Mac Single-Family Seller/Servicer Guide 5301.1 — General requirements for all stable monthly income
- Freddie Mac Single-Family Seller/Servicer Guide 5301.2 — General requirements for all stable monthly asset qualification sources
- Freddie Mac Single-Family Seller/Servicer Guide 5301.3 — Note Date references
Chapter 5302
- Freddie Mac Single-Family Seller/Servicer Guide 5302 — General Requirements for
- Freddie Mac Single-Family Seller/Servicer Guide 5302.1 — Introduction to documentation requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5302.2 — Employed income documentation and verification requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5302.3 — Third-party verification service providers: employment and income verifications
- Freddie Mac Single-Family Seller/Servicer Guide 5302.4 — Tax returns and tax return information: documentation and verification requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5302.5 — Internal Revenue Service (IRS) Form 4506-C requirements for all income and asset qualification sources
- Freddie Mac Single-Family Seller/Servicer Guide 5302.6 — Automated employment assessment with Loan Product Advisor®
Chapter 5303
- Freddie Mac Single-Family Seller/Servicer Guide 5303.1 — Employed income
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5303.1 — Employed income
- Freddie Mac Single-Family Seller/Servicer Guide 5303.2 — Income commencing after the Note Date
- Freddie Mac Single-Family Seller/Servicer Guide 5303.3 — Income while on temporary leave
- Freddie Mac Single-Family Seller/Servicer Guide 5303.4 — Automated income assessment using employed income data
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5303.4 — Automated income assessment using employed income data
- Freddie Mac Single-Family Seller/Servicer Guide 5303.5 — Automated income assessment with Loan Product Advisor® using account data for employed income
Chapter 5304
- Freddie Mac Single-Family Seller/Servicer Guide 5304.1 — Stable monthly income and documentation requirements for self-employed Borrowers
- Freddie Mac Single-Family Seller/Servicer Guide 5304.2 — Automated income assessment using tax data for self-employed income
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5304.2 — Automated income assessment using tax data for self-employed income
Chapter 5305
Chapter 5306
Chapter 5307
Chapter 5401
- FHLMC Single-Family Seller/Servicer Guide Chapter 5401 — Evaluation of Monthly Obligations
- Freddie Mac Single-Family Seller/Servicer Guide 5401.1 — Monthly housing expense-to-income ratio
- Freddie Mac Single-Family Seller/Servicer Guide 5401.2 — Monthly debt payment-to-income (DTI) ratio
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5401.2 — Monthly debt payment-to-income (DTI) ratio
Chapter 5501
- Freddie Mac Single-Family Seller/Servicer Guide 5501.1 — Funds required for the Mortgage transaction
- Freddie Mac Single-Family Seller/Servicer Guide 5501.2 — Reserves
- Freddie Mac Single-Family Seller/Servicer Guide 5501.3 — Borrower personal funds
- Freddie Mac Single-Family Seller/Servicer Guide 5501.4 — Other sources of funds
- Freddie Mac Single-Family Seller/Servicer Guide 5501.5 — Employer Assisted Homeownership (EAH) Benefit
- Freddie Mac Single-Family Seller/Servicer Guide 5501.6 — Interested party contributions
- Freddie Mac Single-Family Seller/Servicer Guide 5501.7 — Lender contributions
- Freddie Mac Single-Family Seller/Servicer Guide 5501.8 — Automated asset assessment with Loan Product Advisor® using account data
Chapter 5601
- Freddie Mac Single-Family Seller/Servicer Guide 5601.1 — Property eligibility requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5601.2 — Eligibility of a property with an ADU
- Freddie Mac Single-Family Seller/Servicer Guide 5601.3 — Eligibility of a property with incomplete improvements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5601.3 — Eligibility of a property with incomplete improvements
- Freddie Mac Single-Family Seller/Servicer Guide 5601.4 — Eligibility of properties with energy-efficient improvements and properties with solar panels
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5601.4 — Eligibility of properties with energy-efficient improvements and properties with solar panels
- Freddie Mac Single-Family Seller/Servicer Guide 5601.5 — Eligibility of a property with mixed-use
- Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels
- Freddie Mac Single-Family Seller/Servicer Guide 5601.7 — Seller verification of subject property Owner of Record
Chapter 5602
- Freddie Mac Single-Family Seller/Servicer Guide 5602 — Collateral Representations and
- Freddie Mac Single-Family Seller/Servicer Guide 5602.1 — Collateral representations and warranties
- Freddie Mac Single-Family Seller/Servicer Guide 5602.2 — Loan Collateral Advisor®
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5602.2 — Loan Collateral Advisor®
- Freddie Mac Single-Family Seller/Servicer Guide 5602.3 — Automated collateral evaluation (ACE)
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5602.3 — Automated collateral evaluation (ACE)
- Freddie Mac Single-Family Seller/Servicer Guide 5602.4 — ACE+ PDR
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5602.4 — ACE+ PDR
Chapter 5603
- Freddie Mac Single-Family Seller/Servicer Guide 5603 — Appraiser Independence
- Freddie Mac Single-Family Seller/Servicer Guide 5603.1 — Appraiser Independence Requirements, Seller selection of appraisers and appraiser qualifications
- Freddie Mac Single-Family Seller/Servicer Guide 5603.2 — Seller verification of subject property owner of record
- Freddie Mac Single-Family Seller/Servicer Guide 5603.3 — Information supplied to the appraiser and Borrower
- Freddie Mac Single-Family Seller/Servicer Guide 5603.4 — Unacceptable appraisal practices
- Freddie Mac Single-Family Seller/Servicer Guide 5603.5 — Property Data Collector Independence Requirements and Seller engagement of property data collectors
- Freddie Mac Single-Family Seller/Servicer Guide 5603.6 — Property data collector qualifications and Seller oversight
Chapter 5604
- Freddie Mac Single-Family Seller/Servicer Guide 5604 — Appraisal Report Forms,
- Freddie Mac Single-Family Seller/Servicer Guide 5604.1 — Appraisal report forms, PDRs and inspection types
- Freddie Mac Single-Family Seller/Servicer Guide 5604.2 — Exhibits and addenda for appraisal reports and PDRs
- Freddie Mac Single-Family Seller/Servicer Guide 5604.3 — Age of appraisal reports, appraisal update requirements, re-use of an appraisal report for a subsequent transaction and age of PDRs
- Freddie Mac Single-Family Seller/Servicer Guide 5604.4 — Reviewing appraisal reports, reconsideration of value requested by the Borrower, obtaining subsequent appraisal reports and reconciling multiple opinions of market value
Chapter 5605
- Freddie Mac Single-Family Seller/Servicer Guide 5605.1 — Appraisal report requirements and appraiser responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 5605.2 — Definition of market value
- Freddie Mac Single-Family Seller/Servicer Guide 5605.3 — Subject property, contract and Neighborhood description
- Freddie Mac Single-Family Seller/Servicer Guide 5605.4 — Site and location analysis
- Freddie Mac Single-Family Seller/Servicer Guide 5605.5 — Improvements analysis
- Freddie Mac Single-Family Seller/Servicer Guide 5605.6 — Sales comparison approach
- Freddie Mac Single-Family Seller/Servicer Guide 5605.7 — Cost and income approaches and reconciliation of market value
- Freddie Mac Single-Family Seller/Servicer Guide 5605.8 — Requirements for properties subject to completion or inspection
- Freddie Mac Single-Family Seller/Servicer Guide 5605.9 — Special property appraisal requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5605.10 — Special property appraisal requirements
Chapter 5606
- Freddie Mac Single-Family Seller/Servicer Guide 5606 — Uniform Appraisal Dataset (UAD),
- Freddie Mac Single-Family Seller/Servicer Guide 5606.1 — Uniform Appraisal Dataset (UAD)
- Freddie Mac Single-Family Seller/Servicer Guide 5606.2 — Uniform Collateral Data Portal® (UCDP®)
- Freddie Mac Single-Family Seller/Servicer Guide 5606.3 — Electronic appraisal reports
Chapter 5701
- Freddie Mac Single-Family Seller/Servicer Guide 5701.1 — Seller’s assessment of Condominium Project risks; terms used in this chapter
- Freddie Mac Single-Family Seller/Servicer Guide 5701.2 — Condominium Project review and general Condominium Project eligibility requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5701.3 — Ineligible projects
- Freddie Mac Single-Family Seller/Servicer Guide 5701.4 — Streamlined reviews
- Freddie Mac Single-Family Seller/Servicer Guide 5701.5 — Established Condominium Projects
- Freddie Mac Single-Family Seller/Servicer Guide 5701.6 — New Condominium Projects
- Freddie Mac Single-Family Seller/Servicer Guide 5701.7 — Exempt From Review
- Freddie Mac Single-Family Seller/Servicer Guide 5701.8 — Condominium appraisal and underwriting requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5701.9 — Reciprocal project reviews
- Freddie Mac Single-Family Seller/Servicer Guide 5701.10 — Condo Project Advisor® – Project Assessment Request (PAR)
- Freddie Mac Single-Family Seller/Servicer Guide 5701.11 — Condo Project Advisor® – Project Waiver Request (PWR)
- Freddie Mac Single-Family Seller/Servicer Guide 5701.12 — Delivery requirements for Condominium Unit Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 5701.13 — Credit Fees for Condominium Unit Mortgages
Chapter 5702
Chapter 5703
- Freddie Mac Single-Family Seller/Servicer Guide 5703.1 — Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.3 — Property eligibility and occupancy requirements for Mortgages secured by Manufactured Homes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5703.3 — Property eligibility and occupancy requirements for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.4 — Real property, title and lien requirements for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.5 — Eligible and ineligible Mortgages for Mortgages secured by Manufactured Homes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5703.5 — Eligible and ineligible Mortgages for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.6 — Mortgage purpose and use of proceeds for Mortgages secured by Manufactured Homes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5703.6 — Mortgage purpose and use of proceeds for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.7 — Underwriting requirements for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.8 — Maximum loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios, loan terms and value calculations for Mortgages secured by Manufactured Homes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5703.8 — Maximum loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios, loan terms and value calculations for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.9 — Appraisal requirements for Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.10 — Mortgage insurance requirements for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.11 — Taxation of Mortgaged Premises for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.12 — Mortgages secured by a CHOICEHome®
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5703.12 — Mortgages secured by a CHOICEHome®
- Freddie Mac Single-Family Seller/Servicer Guide 5703.13 — Delivery requirements for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 5703.14 — Credit Fees for Mortgages secured by Manufactured Homes
Chapter 5704
- Freddie Mac Single-Family Seller/Servicer Guide 5704.1 — Purchase of leasehold Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 5704.2 — Appraisal requirements for leasehold Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 5704.3 — Ground lease requirements for leasehold Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 5704.4 — Security Instruments for leasehold Mortgages
Chapter 5705
- Freddie Mac Single-Family Seller/Servicer Guide 5705.1 — Cooperative Share Loans
- Freddie Mac Single-Family Seller/Servicer Guide 5705.2 — Cooperative Project review and general Cooperative Project eligibility requirements
- Freddie Mac Single-Family Seller/Servicer Guide 5705.3 — Ineligible Cooperative Projects
- Freddie Mac Single-Family Seller/Servicer Guide 5705.4 — Cooperative Project eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 5705.5 — Cooperative Share Loan eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 5705.6 — Legal requirements for New Cooperative Projects
- Freddie Mac Single-Family Seller/Servicer Guide 5705.7 — Exempt From Review
- Freddie Mac Single-Family Seller/Servicer Guide 5705.8 — Appraisal requirements for Cooperative Units
- Freddie Mac Single-Family Seller/Servicer Guide 5705.9 — Combined Cooperative Units
- Freddie Mac Single-Family Seller/Servicer Guide 5705.10 — Cooperative Project conversions
- Freddie Mac Single-Family Seller/Servicer Guide 5705.11 — Documents to be delivered to the Document Custodian and other documents to be maintained by Seller
- Freddie Mac Single-Family Seller/Servicer Guide 5705.12 — Pooling and delivery requirements for Cooperative Share Loans
Chapter 5706
- Freddie Mac Single-Family Seller/Servicer Guide 5706.1 — Purchase of Mortgages secured by Manufactured Homes on leasehold estates
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5706.1 — Purchase of Mortgages secured by Manufactured Homes on leasehold estates
- Freddie Mac Single-Family Seller/Servicer Guide 5706.2 — Property eligibility for Mortgages secured by Manufactured Homes on leasehold estates
- Freddie Mac Single-Family Seller/Servicer Guide 5706.3 — Eligible transaction types for Mortgages secured by Manufactured Homes on leasehold estates
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5706.3 — Eligible transaction types for Mortgages secured by Manufactured Homes on leasehold estates
- Freddie Mac Single-Family Seller/Servicer Guide 5706.4 — Lease provisions and value of leasehold estates
- Freddie Mac Single-Family Seller/Servicer Guide 5706.5 — Underwriting requirements for Mortgages secured by Manufactured Homes on leasehold estates
- Freddie Mac Single-Family Seller/Servicer Guide 5706.6 — Title issues and lien requirements relating to Manufactured Homes on leasehold estates
Series 6000 115
Chapter 6101
- Freddie Mac Single-Family Seller/Servicer Guide 6101.1 — Fixed-rate Cash eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 6101.2 — Fixed-rate Cash Contracts
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 6101.2 — Fixed-rate Cash Contracts
- Freddie Mac Single-Family Seller/Servicer Guide 6101.3 — Purchase and settlement of fixed-rate Cash Contracts
- Freddie Mac Single-Family Seller/Servicer Guide 6101.4 — Servicing options and remittance cycle for fixed-rate Cash Contracts
- Freddie Mac Single-Family Seller/Servicer Guide 6101.5 — Requirements for fixed-rate Cash Contracts through Cash-Released XChange®
Chapter 6102
- Freddie Mac Single-Family Seller/Servicer Guide 6102.1 — ARM Cash Eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 6102.2 — ARM Cash Contracts
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 6102.2 — ARM Cash Contracts
- Freddie Mac Single-Family Seller/Servicer Guide 6102.3 — Purchase and settlement under ARM Cash
- Freddie Mac Single-Family Seller/Servicer Guide 6102.4 — Servicing options and remittance cycle for ARM Cash Contracts
Chapter 6201
- Freddie Mac Single-Family Seller/Servicer Guide 6201.1 — Guarantor and MultiLender Swap programs eligibility
- Freddie Mac Single-Family Seller/Servicer Guide 6201.2 — Guarantor and MultiLender Swap Contracts
- Freddie Mac Single-Family Seller/Servicer Guide 6201.3 — Guarantor and MultiLender Swap pricing, purchase and settlement
- Freddie Mac Single-Family Seller/Servicer Guide 6201.4 — Guarantor and MultiLender Swap program Servicing options and remittance
- Freddie Mac Single-Family Seller/Servicer Guide 6201.5 — UMBS®, MBS and ARM PCs and pool factors
- Freddie Mac Single-Family Seller/Servicer Guide 6201.6 — Guarantor and MultiLender Swap program disclosure and indemnification
- Freddie Mac Single-Family Seller/Servicer Guide 6201.7 — Special representations and warranties under the Guarantor and MultiLender Swap programs and Freddie Mac remedies for Seller breach
Chapter 6202
- Freddie Mac Single-Family Seller/Servicer Guide 6202.1 — Freddie Mac Swap disclosure and pooling requirements
- Freddie Mac Single-Family Seller/Servicer Guide 6202.2 — Freddie Mac UMBS®, MBS and WAC ARM PC disclosure
- Freddie Mac Single-Family Seller/Servicer Guide 6202.3 — Pooling requirements for UMBS® and MBS Pools
- Freddie Mac Single-Family Seller/Servicer Guide 6202.4 — Pooling requirements for WAC ARM PC Pools
Chapter 6203
- Freddie Mac Single-Family Seller/Servicer Guide 6203 — Sale of Mortgages through
- Freddie Mac Single-Family Seller/Servicer Guide 6203.1 — Mortgages sold through Loan Selling Advisor® under the fixed-rate Guarantor Program
- Freddie Mac Single-Family Seller/Servicer Guide 6203.2 — Fixed-Rate Guarantor Contract requirements
- Freddie Mac Single-Family Seller/Servicer Guide 6203.3 — Purchase and settlement requirements for Mortgages sold through Loan Selling Advisor® under the fixed-rate Guarantor program
- Freddie Mac Single-Family Seller/Servicer Guide 6203.4 — Remittance cycle and Servicing Spreads for Mortgages sold through Loan Selling Advisor® under the fixed-rate Guarantor program
- Freddie Mac Single-Family Seller/Servicer Guide 6203.5 — Loan Purchase Statements and UMBS® and MBS disclosure for Mortgages sold through Loan Selling Advisor® under the fixed-rate Guarantor program
Chapter 6204
- Freddie Mac Single-Family Seller/Servicer Guide 6204 — Sale of Mortgages through
- Freddie Mac Single-Family Seller/Servicer Guide 6204.1 — Eligible Sellers for the WAC ARM Guarantor program through Loan Selling Advisor®
- Freddie Mac Single-Family Seller/Servicer Guide 6204.2 — WAC ARM Guarantor Contract requirements
- Freddie Mac Single-Family Seller/Servicer Guide 6204.3 — Purchase and settlement requirements for Mortgages sold through Loan Selling Advisor® under the WAC ARM Guarantor program
- Freddie Mac Single-Family Seller/Servicer Guide 6204.4 — Remittance cycle and Servicing Spreads for Mortgages sold through Loan Selling Advisor® under the WAC ARM Guarantor program
- Freddie Mac Single-Family Seller/Servicer Guide 6204.5 — Loan Purchase Statements and ARM PC disclosure for Mortgages sold through Loan Selling Advisor® under the WAC ARM Guarantor program
Chapter 6205
- Freddie Mac Single-Family Seller/Servicer Guide 6205 — Sale of Mortgages through
- Freddie Mac Single-Family Seller/Servicer Guide 6205.1 — Eligible Sellers and fixed-rate Mortgages for the MultiLender Swap program through Loan Selling Advisor®
- Freddie Mac Single-Family Seller/Servicer Guide 6205.2 — Offer procedures/amounts/optional delivery/contract cancelation/purchase and sale obligations/Commitment Amounts for MultiLender Swap Contracts
- Freddie Mac Single-Family Seller/Servicer Guide 6205.3 — Purchase and pooling requirements and providing data for Mortgages sold through Loan Selling Advisor® under the MultiLender Swap program and wire transfer instructions for UMBS® and MBS
- Freddie Mac Single-Family Seller/Servicer Guide 6205.4 — Remittance cycle, Credit Fee in Yield and Servicing Spread for Mortgages sold through Loan Selling Advisor® under the MultiLender Swap program
- Freddie Mac Single-Family Seller/Servicer Guide 6205.5 — Loan Purchase Statements and UMBS®/MBS disclosure for Mortgages sold through Loan Selling Advisor® under the MultiLender Swap program
Chapter 6301
- Freddie Mac Single-Family Seller/Servicer Guide 6301.1 — Accuracy and preparation of Mortgage data submitted
- Freddie Mac Single-Family Seller/Servicer Guide 6301.2 — Documentation preparation and endorsements
- Freddie Mac Single-Family Seller/Servicer Guide 6301.3 — Delivery of Mortgage documentation
- Freddie Mac Single-Family Seller/Servicer Guide 6301.4 — Completion and substitution of delivery
- Freddie Mac Single-Family Seller/Servicer Guide 6301.5 — Purchase, settlement and postsettlement adjustments procedures
Chapter 6302
- Freddie Mac Single-Family Seller/Servicer Guide 6302.1 — Organization of delivery instructions for ULDD Data Points
- Freddie Mac Single-Family Seller/Servicer Guide 6302.2 — Cash program delivery instructions
- Freddie Mac Single-Family Seller/Servicer Guide 6302.3 — Guarantor program delivery instructions
- Freddie Mac Single-Family Seller/Servicer Guide 6302.4 — MultiLender Swap program delivery instructions
- Freddie Mac Single-Family Seller/Servicer Guide 6302.5 — Loan data required for all Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.6 — Loan data required for fixed-rate Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.7 — Loan data required for ARMs
- Freddie Mac Single-Family Seller/Servicer Guide 6302.8 — Property data required for all Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.9 — Data required for all Borrowers
- Freddie Mac Single-Family Seller/Servicer Guide 6302.10 — Loan Product Advisor® Mortgage underwriting data delivery requirements
- Freddie Mac Single-Family Seller/Servicer Guide 6302.11 — Non-Loan Product Advisor® Mortgage data delivery requirements
- Freddie Mac Single-Family Seller/Servicer Guide 6302.12 — Special delivery requirements for FHA and VA Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.13 — Special delivery requirements for Section 184 Native American Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.14 — Special delivery requirements for Home Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.15 — Special delivery requirements for Section 502 GRH Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.16 — Special delivery requirements for refinance Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.17 — Special delivery requirements for fixed-rate relocation Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.18 — Special delivery requirements for subsidy buydown Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.19 — Special delivery requirements for Seller- Owned Converted Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.20 — Special delivery requirements for Condominium Unit Mortgages
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 6302.20 — Special delivery requirements for Condominium Unit Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.21 — Special delivery requirements for Mortgages with mortgage insurance
- Freddie Mac Single-Family Seller/Servicer Guide 6302.22 — Special delivery requirements for Mortgages with capitalized balances
- Freddie Mac Single-Family Seller/Servicer Guide 6302.23 — Special delivery requirements for GreenCHOICE Mortgages®
- Freddie Mac Single-Family Seller/Servicer Guide 6302.24 — Special delivery requirements for Financed Permanent Buydown Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.25 — Special delivery requirements for Mortgages secured by Manufactured Homes
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 6302.25 — Special delivery requirements for Mortgages secured by Manufactured Homes
- Freddie Mac Single-Family Seller/Servicer Guide 6302.26 — Special delivery requirements for fixed-rate Mortgages sold through Cash-Released XChange®
- Freddie Mac Single-Family Seller/Servicer Guide 6302.27 — Special delivery requirements for Seller- Owned Modified Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.28 — Special delivery requirements for Construction to Permanent Mortgages and Renovation Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.29 — Special delivery requirements for Mortgages with Employer Assisted Homeownership (EAH) Benefits
- Freddie Mac Single-Family Seller/Servicer Guide 6302.30 — Special delivery requirements for Mortgages where Borrower uses credit card, cash advance or unsecured line of credit to pay fees
- Freddie Mac Single-Family Seller/Servicer Guide 6302.31 — Special delivery requirements for super conforming Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.32 — Special delivery requirements for Mortgages with principal curtailments
- Freddie Mac Single-Family Seller/Servicer Guide 6302.33 — Special delivery requirements for Mortgages in which assets are used as a basis for repayment of obligations
- Freddie Mac Single-Family Seller/Servicer Guide 6302.34 — Special delivery requirements for Mortgages with secondary financing
- Freddie Mac Single-Family Seller/Servicer Guide 6302.35 — Special delivery requirements for Mortgages eligible for sale using the loan-level buyup and buydown program
- Freddie Mac Single-Family Seller/Servicer Guide 6302.36 — Special delivery requirements for Affordable Merit Rate® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.37 — Special delivery requirements for Mortgages secured by properties subject to income-based resale restrictions
- Freddie Mac Single-Family Seller/Servicer Guide 6302.38 — Special delivery requirements for Pledged Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.39 — Special delivery requirements for Mortgages with special attributes designated for cash specified pools
- Freddie Mac Single-Family Seller/Servicer Guide 6302.40 — Special delivery requirements for Freddie Mac Enhanced Relief Refinance® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.41 — Special delivery requirements for HomeOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.42 — Special delivery requirements for Community Land Trust Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.43 — Special delivery requirements for CHOICERenovation® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.44 — Special delivery requirements for Mortgages utilizing the age of documentation flexibility in Eligible Disaster Areas
- Freddie Mac Single-Family Seller/Servicer Guide 6302.45 — Special delivery requirements for Cooperative Share Loans
- Freddie Mac Single-Family Seller/Servicer Guide 6302.46 — Special delivery requirements for Refi Possible® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.47 — Special delivery requirements for Mortgages with title insurance
- Freddie Mac Single-Family Seller/Servicer Guide 6302.48 — Special delivery requirements for Mortgages secured by properties located in designated Rural Areas and originated by Small Financial Institutions
- Freddie Mac Single-Family Seller/Servicer Guide 6302.49 — Special delivery requirements for Mortgages secured by properties located in designated Rural Areas in High Needs Rural Regions
- Freddie Mac Single-Family Seller/Servicer Guide 6302.50 — Special delivery requirements for HeritageOne® Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.51 — Special delivery requirements for Mortgages sold for Cash with a related Concurrent Transfer of Servicing
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 6302.51 — Special delivery requirements for Mortgages sold for Cash with a related Concurrent Transfer of Servicing
- Freddie Mac Single-Family Seller/Servicer Guide 6302.52 — Special delivery requirements for First- Generation Homebuyer Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6302.53 — Special delivery requirements for Mortgages with a builder forward commitment
Chapter 6303
Chapter 6304
- Freddie Mac Single-Family Seller/Servicer Guide 6304.1 — Custody of Notes and assignments
- Freddie Mac Single-Family Seller/Servicer Guide 6304.2 — Delivery of Notes and assignments to a Document Custodian
- Freddie Mac Single-Family Seller/Servicer Guide 6304.3 — Document Custodian’s functions and duties upon receiving Notes and assignments
Chapter 6305
- Freddie Mac Single-Family Seller/Servicer Guide 6305.1 — Warehouse financing arrangements
- Freddie Mac Single-Family Seller/Servicer Guide 6305.2 — Delivery and general procedures for Pledged Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6305.3 — Wire transfer and settlement instructions for Pledged Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 6305.4 — Warehouse Lender and Seller responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 6305.5 — Liability and indemnification
Series 7000 11
Chapter 7101
- Freddie Mac Single-Family Seller/Servicer Guide 7101.1 — Requests for Transfers of Servicing and Intra- Servicer Portfolio Moves
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 7101.1 — Requests for Transfers of Servicing and Intra- Servicer Portfolio Moves
- Freddie Mac Single-Family Seller/Servicer Guide 7101.2 — Reviews by Freddie Mac, Transferor Servicer and Transferee Servicer, additional conditions of approval
- Freddie Mac Single-Family Seller/Servicer Guide 7101.3 — Transfers of Servicing, reporting requirements and Liabilities of the Transferor and Transferee Servicers
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 7101.3 — Transfers of Servicing, reporting requirements and Liabilities of the Transferor and Transferee Servicers
- Freddie Mac Single-Family Seller/Servicer Guide 7101.4 — Endorsement of Notes and assignment of Security Instruments, transfer of records and document custody requirements for Transfers of Servicing
- Freddie Mac Single-Family Seller/Servicer Guide 7101.5 — Transfer of records
- Freddie Mac Single-Family Seller/Servicer Guide 7101.6 — Transfer of funds in Transfers of Servicing
- Freddie Mac Single-Family Seller/Servicer Guide 7101.7 — Required notices to Borrowers and Third Parties, Borrower issues and inquiries related to Transfers of Servicing
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 7101.7 — Required notices to Borrowers and Third Parties, Borrower issues and inquiries related to Transfers of Servicing
Series 8000 103
Chapter 8101
- FHLMC Single-Family Seller/Servicer Guide Chapter 8101 — Servicer's General Responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 8101.1 — Servicer’s general responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 8101.2 — Servicer’s limited power of attorney, execution of documents
- Freddie Mac Single-Family Seller/Servicer Guide 8101.3 — Governing law
- Freddie Mac Single-Family Seller/Servicer Guide 8101.4 — Borrower inquiries, Servicing error resolution, audits and access to Mortgage records, Treatment of personal and property information
- Freddie Mac Single-Family Seller/Servicer Guide 8101.5 — MERS®
Chapter 8102
Chapter 8103
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 8103 — Servicer Accounting and Application of Payments
- Freddie Mac Single-Family Seller/Servicer Guide 8103.1 — Servicer fiscal responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 8103.2 — Mortgage accounting records, methods and accounting with respect to delinquency relief
- Freddie Mac Single-Family Seller/Servicer Guide 8103.3 — Application of Mortgage payments
Chapter 8104
Chapter 8105
Chapter 8106
Chapter 8107
Chapter 8201
Chapter 8202
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 8202 — Property Insurance
- Freddie Mac Single-Family Seller/Servicer Guide 8202.1 — General property insurance requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8202.1 — General property insurance requirements
- Freddie Mac Single-Family Seller/Servicer Guide 8202.2 — Flood insurance requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8202.2 — Flood insurance requirements
- Freddie Mac Single-Family Seller/Servicer Guide 8202.3 — Liability and fidelity or employee dishonesty insurance for Condominium Projects and Cooperative Projects
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8202.3 — Liability and fidelity or employee dishonesty insurance for Condominium Projects and Cooperative Projects
- Freddie Mac Single-Family Seller/Servicer Guide 8202.4 — Evidence of insurance coverage requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8202.4 — Evidence of insurance coverage requirements
- Freddie Mac Single-Family Seller/Servicer Guide 8202.5 — Servicer responsibilities to monitor insurance claims and disburse insurance loss proceeds
- Freddie Mac Single-Family Seller/Servicer Guide 8202.6 — Lender-Placed Insurance (LPI)
Chapter 8203
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 8203 — Mortgage Insurance
- Freddie Mac Single-Family Seller/Servicer Guide 8203.1 — Mortgage insurance terms, warranties and other requirements
- Freddie Mac Single-Family Seller/Servicer Guide 8203.2 — Borrower-requested cancelation of Borrower- paid mortgage insurance on an HPA Mortgage
- Freddie Mac Single-Family Seller/Servicer Guide 8203.3 — Borrower-requested cancelation of Borrower- paid mortgage insurance on a Non-HPA Mortgage
- Freddie Mac Single-Family Seller/Servicer Guide 8203.4 — Cancelation of Borrower-paid mortgage insurance
- Freddie Mac Single-Family Seller/Servicer Guide 8203.5 — FHA insurance, mortgage insurance transfers and cancelations
- Freddie Mac Single-Family Seller/Servicer Guide 8203.6 — Directing MI disclosure of Mortgage information to Freddie Mac and reconciliation
Chapter 8301
- Freddie Mac Single-Family Seller/Servicer Guide 8301.1 — Servicer’s responsibilities for MBS, participation certificates, investor accounting and reporting performance standards
- Freddie Mac Single-Family Seller/Servicer Guide 8301.2 — Accounting and reporting methods, including electronic formats, media, remitting requirements and backup reporting
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8301.2 — Accounting and reporting methods, including electronic formats, media, remitting requirements and backup reporting
- Freddie Mac Single-Family Seller/Servicer Guide 8301.3 — Calculating Mortgage interest due to Freddie Mac, net yield interest and Servicing fee
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8301.3 — Calculating Mortgage interest due to Freddie Mac, net yield interest and Servicing fee
- Freddie Mac Single-Family Seller/Servicer Guide 8301.4 — Loan-level transaction, accounting cycle, cash float, service bureau liability and change notification, Custodial Accounts and required Servicer advances
Chapter 8302
Chapter 8303
- Freddie Mac Single-Family Seller/Servicer Guide 8303.1 — Core concepts and Freddie Mac policies for reporting and drafting
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8303.1 — Core concepts and Freddie Mac policies for reporting and drafting
- Freddie Mac Single-Family Seller/Servicer Guide 8303.2 — Monthly reporting and remittance requirements for Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 8303.3 — Payoff and liquidation reporting and drafting requirements
- Freddie Mac Single-Family Seller/Servicer Guide 8303.4 — Error management and reconciliation in reporting
- Freddie Mac Single-Family Seller/Servicer Guide 8303.5 — Noncompliance with reporting standards and compensatory fees
Chapter 8304
- Freddie Mac Single-Family Seller/Servicer Guide 8304.1 — Managing Custodial Accounts and Freddie Mac’s rights
- Freddie Mac Single-Family Seller/Servicer Guide 8304.2 — Maintaining Custodial Accounts
- Freddie Mac Single-Family Seller/Servicer Guide 8304.3 — Transferring or changing Custodial Accounts
- Freddie Mac Single-Family Seller/Servicer Guide 8304.4 — Reconciling Custodial Accounts
Chapter 8401
- Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises
- Freddie Mac Single-Family Seller/Servicer Guide 8401.1 — Release, easement and condominium conversion requirements
- Freddie Mac Single-Family Seller/Servicer Guide 8401.2 — Probate and title matters affecting the
Chapter 8402
Chapter 8403
Chapter 8404
Chapter 8405
Chapter 8406
- Freddie Mac Single-Family Seller/Servicer Guide 8406.1 — General policy and federal regulation on Transfers of Ownership and assumptions
- Freddie Mac Single-Family Seller/Servicer Guide 8406.2 — Eligibility and application for approval of Transfers of Ownership, assumptions and releases of liability
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8406.2 — Eligibility and application for approval of Transfers of Ownership, assumptions and releases of liability
- Freddie Mac Single-Family Seller/Servicer Guide 8406.3 — File retention, fees and special provisions for Transfers of Ownership and assumptions
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 8406.3 — File retention, fees and special provisions for Transfers of Ownership and assumptions
Chapter 8501
- Freddie Mac Single-Family Seller/Servicer Guide 8501.1 — Servicer staff requirements related to Servicing Step-Rate Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 8501.2 — Communicating upcoming interest rate adjustments
- Freddie Mac Single-Family Seller/Servicer Guide 8501.3 — Freddie Mac Flex Modification® for Step-Rate Mortgages
Chapter 8502
Chapter 8503
- Freddie Mac Single-Family Seller/Servicer Guide 8503 — Servicing Requirements for
- Freddie Mac Single-Family Seller/Servicer Guide 8503.1 — Definitions related to Servicing loans, relief and workout options for Servicemembers and their Dependents
- Freddie Mac Single-Family Seller/Servicer Guide 8503.2 — Applying and Servicing Servicemembers Civil Relief Act (SCRA)-capped Mortgages
Chapter 8504
- Freddie Mac Single-Family Seller/Servicer Guide 8504 — Outreach Requirements for
- Freddie Mac Single-Family Seller/Servicer Guide 8504.1 — Outreach and notification requirements for Mortgages with low interest-bearing UPB and a deferred balance that are approaching the Mortgage maturity date or payoff of the interest-bearing UPB
- Freddie Mac Single-Family Seller/Servicer Guide 8504.2 — Outreach requirements for Mortgages with buydown plans
Chapter 8505
- Freddie Mac Single-Family Seller/Servicer Guide 8505.1 — Introduction
- Freddie Mac Single-Family Seller/Servicer Guide 8505.2 — General notification requirements when Servicer becomes aware of a Title Defect
- Freddie Mac Single-Family Seller/Servicer Guide 8505.3 — Special requirements for Responsible Parties and their Servicing Agents
- Freddie Mac Single-Family Seller/Servicer Guide 8505.4 — Special requirements for non-responsible parties and their Servicing Agents
Chapter 8601
- Freddie Mac Single-Family Seller/Servicer Guide 8601.1 — Servicing responsibilities, Borrower interactions and key terms
- Freddie Mac Single-Family Seller/Servicer Guide 8601.2 — Limited power of attorney
- Freddie Mac Single-Family Seller/Servicer Guide 8601.3 — Regulatory reporting and Internal Revenue Service (IRS) compliance
- Freddie Mac Single-Family Seller/Servicer Guide 8601.5 — Default management, foreclosure processes and legal considerations
- Freddie Mac Single-Family Seller/Servicer Guide 8601.6 — Property preservation, title management and lien considerations
- Freddie Mac Single-Family Seller/Servicer Guide 8601.7 — Servicing high-risk, distressed and abandoned properties
- Freddie Mac Single-Family Seller/Servicer Guide 8601.8 — REO – asset management and compliance
Chapter 8701
Chapter 8801
- Freddie Mac Single-Family Seller/Servicer Guide 8801.1 — Servicing Cooperative Share Loans
- Freddie Mac Single-Family Seller/Servicer Guide 8801.2 — Transfers of Servicing, financial obligations and insurance considerations
- Freddie Mac Single-Family Seller/Servicer Guide 8801.3 — Loss mitigation for Cooperative Share Loans
- Freddie Mac Single-Family Seller/Servicer Guide 8801.4 — Delinquency management for Cooperative Share Loans
Series 9000 101
Chapter 9101
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences
- Freddie Mac Single-Family Seller/Servicer Guide 9101.1 — Servicer collection efforts for Mortgages secured by Primary Residences
- Freddie Mac Single-Family Seller/Servicer Guide 9101.2 — Evaluation requirements and appeals process in response to the First Complete Borrower Response Package
- Freddie Mac Single-Family Seller/Servicer Guide 9101.3 — Foreclosure suspension obligations and additional short sale and deed-in-lieu of foreclosure requirements once the First Complete Borrower Response Package is received
Chapter 9102
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102 — Delinquencies
- Freddie Mac Single-Family Seller/Servicer Guide 9102.1 — General requirements for Servicing delinquent Mortgages
- Freddie Mac Single-Family Seller/Servicer Guide 9102.2 — Late charges
- Freddie Mac Single-Family Seller/Servicer Guide 9102.3 — Establishing Borrower contact during Delinquency
- Freddie Mac Single-Family Seller/Servicer Guide 9102.4 — Servicer collection efforts
- Freddie Mac Single-Family Seller/Servicer Guide 9102.5 — Borrower solicitation and communication
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9102.5 — Borrower solicitation and communication
- Freddie Mac Single-Family Seller/Servicer Guide 9102.6 — Monthly EDR
- SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9102.6 — Monthly EDR
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9102.6 — Monthly EDR
Chapter 9201
- Freddie Mac Single-Family Seller/Servicer Guide 9201 — Freddie Mac Loss Mitigation
- Freddie Mac Single-Family Seller/Servicer Guide 9201.1 — Rationale for Servicer loss mitigation activities
- Freddie Mac Single-Family Seller/Servicer Guide 9201.2 — Freddie Mac loss mitigation evaluation hierarchy
- Freddie Mac Single-Family Seller/Servicer Guide 9201.3 — Servicer’s responsibilities for loss mitigation activities
- Freddie Mac Single-Family Seller/Servicer Guide 9201.4 — Servicer’s loss mitigation operations
- Freddie Mac Single-Family Seller/Servicer Guide 9201.5 — Servicer default management performance standards
- Freddie Mac Single-Family Seller/Servicer Guide 9201.6 — Alternatives to foreclosure
Chapter 9202
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9202 — Evaluating the Borrower
- Freddie Mac Single-Family Seller/Servicer Guide 9202.1 — Delinquency and Borrower hardship assessment
- Freddie Mac Single-Family Seller/Servicer Guide 9202.2 — Mortgage and property risk analysis
- Freddie Mac Single-Family Seller/Servicer Guide 9202.3 — Property inspections and abandonment
- Freddie Mac Single-Family Seller/Servicer Guide 9202.4 — When to obtain a property value
Chapter 9203
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9203 — Reinstatements and Relief Options
- Freddie Mac Single-Family Seller/Servicer Guide 9203.1 — Reinstatements and relief options
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9203.1 — Reinstatements and relief options
- Freddie Mac Single-Family Seller/Servicer Guide 9203.2 — Repayment plan requirements and reporting
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9203.2 — Repayment plan requirements and reporting
- Freddie Mac Single-Family Seller/Servicer Guide 9203.3 — Forbearance plans and requirements
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9203.3 — Forbearance plans and requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9203.4 — Payment Deferral eligibility, processing, conditions and requirements
Chapter 9204
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9204 — Freddie Mac Workout Options
- Freddie Mac Single-Family Seller/Servicer Guide 9204.1 — Freddie Mac workout options and Servicer responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 9204.2 — Processing and documentation for workout recommendations
- Freddie Mac Single-Family Seller/Servicer Guide 9204.3 — Servicer compensation, fees and mortgage insurance considerations
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9204.3 — Servicer compensation, fees and mortgage insurance considerations
Chapter 9205
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9205 — Home Affordable Modification Program (HAMP)
- Freddie Mac Single-Family Seller/Servicer Guide 9205.1 — Transfers of Servicing and document retention requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9205.2 — Special investor reporting requirements and compliance with applicable law for Mortgages modified under Home Affordable Modification ProgramSM (HAMP®)
- Freddie Mac Single-Family Seller/Servicer Guide 9205.3 — Home Affordable Modification ProgramSM (HAMP®) electronic modification
Chapter 9206
- Freddie Mac Single-Family Seller/Servicer Guide 9206.1 — Freddie Mac Flex Modification® overview, eligibility and requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9206.2 — Modification terms, trial period and conditions of a Freddie Mac Flex Modification®
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9206.2 — Modification terms, trial period and conditions of a Freddie Mac Flex Modification®
- Freddie Mac Single-Family Seller/Servicer Guide 9206.3 — Loan modification expenses, capitalization and reimbursement
- Freddie Mac Single-Family Seller/Servicer Guide 9206.4 — Settling, reporting and data submission for loan modification
Chapter 9208
- Freddie Mac Single-Family Seller/Servicer Guide 9208.1 — Short sale eligibility, Borrower requirements and approval
- Freddie Mac Single-Family Seller/Servicer Guide 9208.2 — Property valuation, communications, processing and transaction management for short sales
- Freddie Mac Single-Family Seller/Servicer Guide 9208.3 — Closing, reporting and compliance for short sales
Chapter 9209
- Freddie Mac Single-Family Seller/Servicer Guide 9209.1 — Deed-in-lieu of foreclosure eligibility requirements and Servicer approval authority
- Freddie Mac Single-Family Seller/Servicer Guide 9209.2 — Borrower documentation for deeds-in-lieu of foreclosure
- Freddie Mac Single-Family Seller/Servicer Guide 9209.3 — Deeds-in-lieu of foreclosure Borrower contributions and relocation assistance
- Freddie Mac Single-Family Seller/Servicer Guide 9209.4 — Borrower communication and execution timelines for deeds-in-lieu of foreclosure
- Freddie Mac Single-Family Seller/Servicer Guide 9209.5 — Deed-in-lieu of foreclosure transaction and processing requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9209.6 — Closing, reporting and remittance requirements for deeds-in-lieu of foreclosure
Chapter 9210
Chapter 9301
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9301 — Foreclosure
- Freddie Mac Single-Family Seller/Servicer Guide 9301.1 — Foreclosures overview and Servicer responsibilities
- Freddie Mac Single-Family Seller/Servicer Guide 9301.2 — Preforeclosure and referral requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9301.3 — Foreclosure process and legal considerations
- Freddie Mac Single-Family Seller/Servicer Guide 9301.4 — Reporting requirements: referral and during the foreclosure proceeding
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9301.4 — Reporting requirements: referral and during the foreclosure proceeding
- Freddie Mac Single-Family Seller/Servicer Guide 9301.5 — First legal action and expedited foreclosure
- Freddie Mac Single-Family Seller/Servicer Guide 9301.6 — Deficiency rights and property considerations
- Freddie Mac Single-Family Seller/Servicer Guide 9301.7 — Complete Borrower Response Packages received after referral to foreclosure and other actions prior to foreclosure sale
- Freddie Mac Single-Family Seller/Servicer Guide 9301.8 — Foreclosure sale and bidding requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9301.10 — Post-foreclosure requirements and title considerations
- Freddie Mac Single-Family Seller/Servicer Guide 9301.11 — State foreclosure timelines and performance
Chapter 9401
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9401 — Bankruptcy
- Freddie Mac Single-Family Seller/Servicer Guide 9401.1 — Bankruptcy overview, general requirements and Freddie Mac’s rights
- Freddie Mac Single-Family Seller/Servicer Guide 9401.2 — Managing bankruptcy filings and delinquency
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9401.2 — Managing bankruptcy filings and delinquency
- Freddie Mac Single-Family Seller/Servicer Guide 9401.3 — Servicing bankruptcy counsel and other Servicing requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9401.4 — Reimbursement of expenses related to a bankruptcy
Chapter 9402
Chapter 9501
- Freddie Mac Single-Family Seller/Servicer Guide 9501 — Selection, Retention and
- Freddie Mac Single-Family Seller/Servicer Guide 9501.1 — Firm management and evaluation
- SUPERSEDED — prior version (Guide as of Bulletin 2026-13, published October 7, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 9501.1 — Firm management and evaluation
- Freddie Mac Single-Family Seller/Servicer Guide 9501.2 — Firm minimum requirements
- Freddie Mac Single-Family Seller/Servicer Guide 9501.3 — Firm selection and retention
- Freddie Mac Single-Family Seller/Servicer Guide 9501.4 — Firm training requirements, referrals and prohibitions related to Freddie Mac default legal matters
- Freddie Mac Single-Family Seller/Servicer Guide 9501.5 — Servicer oversight and reporting
- Freddie Mac Single-Family Seller/Servicer Guide 9501.6 — File transfers, termination and suspension of firms
Chapter 9601
Chapter 9602
Chapter 9603
Chapter 9701
- Freddie Mac Single-Family Seller/Servicer Guide Chapter 9701 — Reimbursement of Expenses
- Freddie Mac Single-Family Seller/Servicer Guide 9701.1 — General expense reimbursement policies
- Freddie Mac Single-Family Seller/Servicer Guide 9701.2 — Property-related reimbursements
- Freddie Mac Single-Family Seller/Servicer Guide 9701.3 — Legal and foreclosure-related reimbursements
- Freddie Mac Single-Family Seller/Servicer Guide 9701.4 — Non-reimbursable expenses, adjustments and expense offsets
- Freddie Mac Single-Family Seller/Servicer Guide 9701.5 — Audit and compliance requirements
Bulletins and other Guide documents 15
- Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2025-17 (Servicing)
- Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing) PDF
- Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-5 (Servicing)
- Freddie Mac Bulletin 2026-10 (August 5, 2026) — Selling Updates
- Freddie Mac Bulletin 2026-11 (August 12, 2026) — Servicing Updates
- Freddie Mac Bulletin 2026-12 (September 2, 2026) — Selling Updates
- Freddie Mac Bulletin 2026-13 (October 7, 2026) — Selling Updates
- Freddie Mac Bulletin 2026-14 (October 14, 2026) — Servicing Updates
- Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-C (Servicing)
- Freddie Mac Bulletin 2026-H (September 9, 2026) — VantageScore® 4.0 Broad Seller Availability
- Freddie Mac Bulletin 2026-I (September 16, 2026) — Refactoring
- Freddie Mac Bulletin 2026-J (September 30, 2026) — Uniform Appraisal Dataset 3.6
- Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees
- Freddie Mac Single-Family Seller/Servicer Guide Glossary
- Freddie Mac Industry Letter (October 8, 2026) — Minimum Financial Requirements
855 sections in total.
Operationalizing the Guide
This is Freddie Mac’s own words, source-verified — the grounding you need to check your policies and procedures against Guide requirements, operationalize a change, and produce audit-ready evidence, without invented text. See how the corpus is built and verified, the Fannie Mae Selling Guide, the Fannie Mae Servicing Guide, and the regulatory update kits. Free to read and download · compiled by Claude for Compliance.