source:
  type: guide
  id: fhlmc-5101.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5101.3 — Resubmission
    requirements
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 5101.3 — Resubmission
    requirements.
  coverage_tier: operative
obligations:
- id: fhlmc-5101.3-full
  canonical_id: fhlmc-5101.3-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 5101.3 — Resubmission
    requirements
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5101.3 — Resubmission
      requirements
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '5101.3: Resubmission requirements (02/04/26) This section contains
      the following information: ■ Resubmission to Loan Product Advisor® required
      ■ Resubmission to Loan Product Advisor not required (resubmission tolerances)
      ■ Resubmission to Loan Product Advisor after the Note Date The Risk Class and
      Documentation Level on the Last Feedback Certificate must be based on submission
      of accurate data to Loan Product Advisor. When resubmission to Loan Product
      Advisor is required, the Risk Class and/or Documentation Level might change.
      (a) Resubmission to Loan Product Advisor required A Mortgage must be resubmitted
      to Loan Product Advisor prior to the Delivery Date, except as stated in Section
      5101.3(b) below and Chapter 4602 for Construction to Permanent Mortgages and
      Renovation Mortgages, if any of the following apply: ■ Information on the previous
      submission was not true, complete or accurate ■ Any information submitted to
      Loan Product Advisor changes except for changes within the acceptable tolerances
      reflected below in Section 5101.3(b) Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5101 As of 02/04/26 Page 5101-6 ■ The last submission to Loan
      Product Advisor was more than 120 days before the Note Date ■ The date of the
      Loan Product Advisor credit report(s) exceeds 120 days If resubmission of a
      Mortgage to Loan Product Advisor is after the Note Date, refer to the additional
      requirements in Section 5101.3(c). (b) Resubmission to Loan Product Advisor
      not required (resubmission tolerances) A change from the previous submission
      to Loan Product Advisor involving the following does not require resubmission:
      (i) Debts/income ■ The monthly debt payment (including monthly housing expense
      (see Section 5401.1) decreases ■ The income for any Borrower increases; however,
      for Home Possible® Mortgages when the income used to qualify the Borrower increases,
      resubmission is required ■ The income for any Borrower decreases and/or the
      monthly debt payment (including monthly housing expense) increases when both
      of the following apply: ❑ The total new debt payment-to-income (DTI) ratio does
      not exceed 45% ❑ The total difference does not change the total DTI ratio by
      more than 3 percentage points (ii) Assets/reserves ■ The amount of verified
      assets increases ■ The amount of verified reserves increases ■ The amount of
      verified reserves decreases to an amount that is no less than the reserves required
      to be verified reflected on the Feedback Certificate Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 5101 As of 02/04/26 Page 5101-7 (iii) Loan amount
      changes on refinance Mortgages (A) Loan amount decreases ■ The loan amount decreases
      by no more than 5% on a refinance Mortgage and at the time of the most recent
      Loan Product Advisor submission mortgage insurance is not required on the Mortgage
      OR ■ The loan amount decreases by no more than 5% on a refinance Mortgage, at
      the time of the most recent Loan Product Advisor submission mortgage insurance
      on the Mortgage is required, and: ❑ The change does not impact the amount of
      the mortgage insurance coverage, and ❑ The amount of the mortgage insurance
      premium collected by the Seller is based on the new loan amount and the Seller
      obtains a new mortgage insurance certificate Exception: When the loan amount
      decreased and the Mortgage qualified for automated collateral evaluation (ACE)
      or ACE+ PDR, the Seller must resubmit to Loan Product Advisor if the ACE or
      ACE+ PDR offer was accepted. (B) Loan amount increases ■ The loan amount increases
      by no more than $500 or up to 1% of the loan amount, whichever is less, and
      based on the new loan amount mortgage insurance is not required on the Mortgage
      OR ■ The loan amount increases by no more than $500 or up to 1% of the loan
      amount, whichever is less, and based on the new loan amount mortgage insurance
      on the Mortgage is required, and: ❑ The change does not impact the amount of
      the mortgage insurance coverage, and ❑ The amount of the mortgage insurance
      premium collected by the Seller is based on the new loan amount and the Seller
      obtains a new mortgage insurance certificate Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5101 As of 02/04/26 Page 5101-8 Exception: When the loan amount
      increased and the Mortgage qualified for ACE or ACE+ PDR, the Seller must resubmit
      to Loan Product Advisor if the ACE or ACE+ PDR offer was accepted. (iv) Interest
      rate reduction Freddie Mac does not require resubmission to Loan Product Advisor
      for Seller-Owned Modified Mortgages that are Home Possible Mortgages modified
      for the purpose of a reduction in interest rate of the First Lien Mortgage (see
      Section 4402.4(c)). (v) Construction to Permanent Mortgages and Renovation Mortgages
      Refer to Section 4602.2 for additional changes not requiring resubmission to
      Loan Product Advisor for Construction to Permanent Mortgages and Renovation
      Mortgages. (c) Resubmission to Loan Product Advisor after the Note Date If the
      Seller determines after the Note Date that the information entered into Loan
      Product Advisor was not true, complete and accurate, except as otherwise permitted
      in Section 5101.3(b) above and unless otherwise prohibited below, the Mortgage
      must be resubmitted to Loan Product Advisor after the Note Date but prior to
      the Delivery Date. The Seller must select “Post Closing Quality Control” as
      the Loan Processing Stage in Loan Product Advisor. A Mortgage cannot be resubmitted
      to Loan Product Advisor after the Note Date if any of the following apply: ■
      Resubmission is more than 120 days after the Loan Product Advisor assessment
      expiration date displayed on the Feedback Certificate in effect as of the Note
      Date ■ A Borrower is being added or deleted or a change is being made to a Borrower’s
      last name or Social Security number ■ A new credit report company needs to be
      selected ■ The single or joint merged credit report indicator changes ■ The
      order of Borrowers changes on a joint merged credit request ■ The merged credit
      report number does not match the merged credit report number from the most recent
      complete transaction If the Mortgage cannot be resubmitted to Loan Product Advisor
      after the Note Date, the Mortgage must be manually underwritten and is considered
      a Non-Loan Product Advisor Mortgage. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5102 As of 03/01/26 Page 5102-1 Chapter 5102: Underwriting a Mortgage
      for Sale to Freddie Mac'
  judgment: false
