source:
  type: regulation
  id: fhlmc-4504.2
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4504.2 — Overview of HeritageOne® Mortgages (07/09/25)
  description: "Freddie Mac Guide §4504.2 (Overview of HeritageOne® Mortgages). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-4504.2-0
  canonical_id: fhlmc-4504.2-0
  section: Freddie Mac Guide 4504.2
  description: '4504.2 Overview of HeritageOne® Mortgages: (07/09/25) This section contains information related
    to: ■ Approved Sellers of HeritageOne® Mortgages ■ Negotiated underwriting provisions ■ Defined terms ■ Eligible
    property ■ First Lien priority ■ Assumable Mortgages ■ Special delivery requirements ■ Special Servicing requireme…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4504.2 — Overview of HeritageOne® Mortgages (07/09/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '(07/09/25) This section contains information related to: ■ Approved Sellers of HeritageOne®
      Mortgages ■ Negotiated underwriting provisions ■ Defined terms ■ Eligible property ■ First Lien priority ■
      Assumable Mortgages ■ Special delivery requirements ■ Special Servicing requirements (a) Approved Sellers
      of HeritageOne Mortgages The Seller must obtain Freddie Mac’s written approval to sell HeritageOne Mortgages
      to Freddie Mac by contacting its Freddie Mac representative or Customer Service at 800- FREDDIE. (b) Negotiated
      underwriting provisions Unless specifically made applicable to HeritageOne Mortgages, negotiated underwriting
      provisions in the Seller’s Purchase Documents do not apply to HeritageOne Mortgages and cannot be used with
      HeritageOne Mortgages.'
    drafter_attestation: Verbatim from Freddie Guide §4504.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4504.2-1
  canonical_id: fhlmc-4504.2-1
  section: Freddie Mac Guide 4504.2
  description: '4504.2 Overview of HeritageOne® Mortgages: 504-2 (c) Defined terms As used in this chapter, the
    following terms have the meanings ascribed to them below: Defined terms for HeritageOne Mortgages B BIA U.S.
    Department of the Interior Bureau of Indian Affairs. E Eligible Native American Tribe A Native American Tribe
    that eit…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4504.2 — Overview of HeritageOne® Mortgages (07/09/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '504-2 (c) Defined terms As used in this chapter, the following terms have the meanings ascribed
      to them below: Defined terms for HeritageOne Mortgages B BIA U.S. Department of the Interior Bureau of Indian
      Affairs. E Eligible Native American Tribe A Native American Tribe that either: ■ Is listed as a participating
      tribe in HUD’s most recent Section 184 Participating Tribes List; or ■ Has entered into a memorandum of understanding
      with Freddie Mac that, to the Seller’s knowledge, is and will remain in full force and effect A list of Eligible
      Native American Tribes is available on Freddie Mac’s website. N Native American Tribe A federally recognized
      Indian tribe of the United States that is included in the BIA’s most recent publication of the notice titled
      “Indian Entities Recognized by and Eligible To Receive Services From the United States Bureau of Indian Affairs”.
      “Native American Tribe” includes any housing authority, utility, corporation, partnership or other entity
      that is partially or wholly owned by the Native American Tribe. T Tribal Area A census tract, or any portion
      thereof, that is designated as both a HUD Indian Housing Block Grant (IHBG) Area and a rural area under FHFA’s
      Duty to Serve Regulation and is identified as an “Indian area” in the current version of the FHFA’s Indian
      Areas File. (d) Eligible property The Mortgaged Premises must be located in the Tribal Area of an Eligible
      Native American Tribe. Mortgages must be secured by 1- to 4-unit Primary Residences, which may include:'
    drafter_attestation: Verbatim from Freddie Guide §4504.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4504.2-2
  canonical_id: fhlmc-4504.2-2
  section: Freddie Mac Guide 4504.2
  description: '4504.2 Overview of HeritageOne® Mortgages: 504-3 ■ Manufactured Homes, including Manufactured Homes
    that are CHOICEHomes® ■ Condominium Units ■ Units located in Planned Unit Developments (PUDs) ■ Properties with
    ADUs (e) First Lien priority The Seller must comply with all statutory and regulatory requirements and obtain
    a…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4504.2 — Overview of HeritageOne® Mortgages (07/09/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '504-3 ■ Manufactured Homes, including Manufactured Homes that are CHOICEHomes® ■ Condominium
      Units ■ Units located in Planned Unit Developments (PUDs) ■ Properties with ADUs (e) First Lien priority The
      Seller must comply with all statutory and regulatory requirements and obtain all approvals and signatures
      necessary to establish and maintain a valid First Lien on the Mortgaged Premises. The Security Instrument
      must be signed by all individuals or entities with an ownership interest in the Mortgaged Premises. See Section
      4101.6 for additional information on signatures required for the Security Instrument. If necessary to establish
      or maintain the First Lien, the Seller must: ■ Obtain any necessary approvals or signatures from the U.S.
      Secretary of the Interior or the BIA, as applicable; and ■ Record the Security Instrument and all other Mortgage
      documents required to be recorded in the appropriate jurisdiction Even if not necessary to establish or maintain
      the First Lien, it is recommended that the Security Instrument and all other Mortgage documents required to
      be recorded also be recorded in the locality in which the Mortgaged Premises is located. (f) Assumable Mortgages
      Mortgages sold under the Guarantor program that meet the requirements of Section 4101.9(c) and this chapter
      may be assumable Mortgages, if permitted under the Seller’s Purchase Documents. (g) Special delivery requirements
      See Section 6302.50 for special delivery requirements for HeritageOne Mortgages. (h) Special Servicing requirements
      See Section 8406.1(d) and Chapter 8901 for special Servicing requirements for HeritageOne Mortgages, including
      requirements for post-closing Borrower counseling, Transfers of Servicing and Transfers of Ownership.'
    drafter_attestation: Verbatim from Freddie Guide §4504.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4504.2-3
  canonical_id: fhlmc-4504.2-3
  section: Freddie Mac Guide 4504.2
  description: '4504.2 Overview of HeritageOne® Mortgages: Eligible Borrowers for HeritageOne® Mortgages (02/04/26)
    This section contains requirements related to: ■ Eligible Borrowers ■ Borrower income ■ Occupancy ■ Ownership
    of other property (a) Eligible Borrowers At least one Borrower must: ■ Be an enrolled member of a Native American…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4504.2 — Overview of HeritageOne® Mortgages (07/09/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'Eligible Borrowers for HeritageOne® Mortgages (02/04/26) This section contains requirements
      related to: ■ Eligible Borrowers ■ Borrower income ■ Occupancy ■ Ownership of other property (a) Eligible
      Borrowers At least one Borrower must: ■ Be an enrolled member of a Native American Tribe, which may be a Native
      American Tribe other than the Eligible Native American Tribe within whose Tribal Area the Mortgaged Premises
      is located; and ■ Occupy the Mortgaged Premises as their Primary Residence Note: The Borrower cannot be a
      Native American Tribe. (b) Borrower income Borrowers are not subject to maximum income limits. (c) Occupancy
      The following occupancy requirements apply to HeritageOne® Mortgages: ■ For 1-unit properties, including Manufactured
      Homes, non-occupying Borrowers are permitted. Funds used to qualify for the Mortgage transaction may come
      from the occupying and/or non-occupying Borrower. ■ For 2- to 4-unit properties, all Borrowers must occupy
      the Mortgaged Premises as their Primary Residence (d) Ownership of other property As of the Note Date or,
      for Construction to Permanent Mortgages and Renovation Mortgages, the Effective Date of Permanent Financing,
      occupying Borrowers must not have'
    drafter_attestation: Verbatim from Freddie Guide §4504.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4504.2-4
  canonical_id: fhlmc-4504.2-4
  section: Freddie Mac Guide 4504.2
  description: '4504.2 Overview of HeritageOne® Mortgages: 504-5 an ownership interest in more than two financed
    residential properties, including the subject property.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4504.2 — Overview of HeritageOne® Mortgages (07/09/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 504-5 an ownership interest in more than two financed residential properties, including the
      subject property.
    drafter_attestation: Verbatim from Freddie Guide §4504.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
