source:
  type: regulation
  id: fhlmc-5602.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §5602.1 — Collateral representations and warranties
    (01/26/26)
  description: "Freddie Mac Guide §5602.1 (Collateral representations and warranties). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-5602.1-0
  canonical_id: fhlmc-5602.1-0
  section: Freddie Mac Guide 5602.1
  description: '5602.1 Collateral representations and warranties: (01/26/26) Refer to Bulletin 2025-7, which announced
    the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral
    Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this
    secti…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5602.1 — Collateral representations and warranties
      (01/26/26)
    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: '(01/26/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal
      Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD
      3.6 before the mandatory effective November 2, 2026 version of this section. This section contains requirements
      related to: ■ Value warranty ■ Condition warranty ■ Marketability warranty In addition to all other representations
      and warranties specified in the Seller’s Purchase Documents, the Seller makes the following representations
      and warranties: (a) Value warranty The Seller represents and warrants that the appraisal accurately reflects
      the market value of the Mortgaged Premises. Note: See Section 5604.3 for information regarding requirements
      for Mortgages with Settlement Dates more than 120 days after the Note Date. (b) Condition warranty As of the
      Settlement Date, the Seller represents and warrants that the Mortgaged Premises is not in C5 or C6 condition.
      For property types not required to utilize the Uniform Appraisal Dataset condition ratings, the Seller represents
      that the subject property is in a condition consistent with condition ratings C1 through C4. (c) Marketability
      warranty'
    drafter_attestation: Verbatim from Freddie Guide §5602.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5602.1-1
  canonical_id: fhlmc-5602.1-1
  section: Freddie Mac Guide 5602.1
  description: '5602.1 Collateral representations and warranties: 602-2 As of the Settlement Date, the Seller represents
    and warrants that the Mortgaged Premises is acceptable to typical purchasers in the subject property’s Market
    Area.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5602.1 — Collateral representations and warranties
      (01/26/26)
    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: 602-2 As of the Settlement Date, the Seller represents and warrants that the Mortgaged Premises
      is acceptable to typical purchasers in the subject property’s Market Area.
    drafter_attestation: Verbatim from Freddie Guide §5602.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5602.1-2
  canonical_id: fhlmc-5602.1-2
  section: Freddie Mac Guide 5602.1
  description: '5602.1 Collateral representations and warranties: Collateral representations and warranties (Future
    effective date 11/02/26) This section contains requirements related to: ■ Value warranty ■ Condition warranty
    ■ Marketability warranty In addition to all other representations and warranties specified in the Seller’s Purchase
    Docu…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5602.1 — Collateral representations and warranties
      (01/26/26)
    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: 'Collateral representations and warranties (Future effective date 11/02/26) This section contains
      requirements related to: ■ Value warranty ■ Condition warranty ■ Marketability warranty In addition to all
      other representations and warranties specified in the Seller’s Purchase Documents, the Seller makes the following
      representations and warranties: (a) Value warranty The Seller represents and warrants that the appraisal accurately
      reflects the market value of the Mortgaged Premises. Note: See Section 5604.3 for information regarding requirements
      for Mortgages with Settlement Dates more than 120 days after the Note Date. (b) Condition warranty As of the
      Settlement Date, the Seller represents and warrants that the Mortgaged Premises is not in C5 or C6 condition.
      (c) Marketability warranty As of the Settlement Date, the Seller represents and warrants that the Mortgaged
      Premises is acceptable to typical purchasers in the subject property’s Market Area.'
    drafter_attestation: Verbatim from Freddie Guide §5602.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
