source:
  type: regulation
  id: fhlmc-1301.5
  authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review (12/17/25)
  description: "Freddie Mac Guide §1301.5 (Warranties, representations and review). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-1301.5-0
  canonical_id: fhlmc-1301.5-0
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: (12/17/25) This section contains requirements related
    to: ■ Reliance on the Seller/Servicer warranties and representations ■ Review of Mortgages by Freddie Mac prior
    to purchase ■ Warranties and representations by the Seller ■ Survival of warranties; remedies (a) Reliance on
    the …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '(12/17/25) This section contains requirements related to: ■ Reliance on the Seller/Servicer
      warranties and representations ■ Review of Mortgages by Freddie Mac prior to purchase ■ Warranties and representations
      by the Seller ■ Survival of warranties; remedies (a) Reliance on the Seller/Servicer warranties and representations
      The Seller/Servicer should carefully read the Purchase Documents. The Seller/Servicer acknowledges that Freddie
      Mac and any transferees or assignees of Freddie Mac purchase Mortgages and trade in any related securities
      in reliance on the accuracy and truth of the Seller/Servicer’s warranties and representations and on its compliance
      with the agreements, requirements, terms and conditions set forth in the Purchase Documents. (b) Review of
      Mortgages by Freddie Mac prior to purchase Before the Freddie Mac Funding Date (Cash programs) or Settlement
      Date of the UMBS®, MBS or WAC ARM PC (Guarantor programs), Freddie Mac may, in its discretion, refuse to purchase
      any Mortgage if it determines any of the following: ■ The Mortgage is not of investment quality ■ The Seller
      has failed to satisfy or has breached any of the provisions of the Purchase Documents'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-1
  canonical_id: fhlmc-1301.5-1
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-15 ■ Any of the warranties or representations
    of the Seller to Freddie Mac are untrue ■ The Seller has failed to provide Freddie Mac with information that
    is true, complete and accurate as to the Mortgage For each Mortgage it refuses to purchase, Freddie Mac may
    require the S…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: 301-15 ■ Any of the warranties or representations of the Seller to Freddie Mac are untrue ■
      The Seller has failed to provide Freddie Mac with information that is true, complete and accurate as to the
      Mortgage For each Mortgage it refuses to purchase, Freddie Mac may require the Seller to substitute in its
      place another Mortgage that is satisfactory to Freddie Mac. (c) Warranties and representations by the Seller
      As of the Delivery Date, the Funding Date or the Settlement Date (as applicable), and the date of any substitution
      of Mortgages pursuant to the Purchase Documents, the Seller makes the warranties and representations in this
      section for each Mortgage purchased by Freddie Mac. The Seller is fully liable for all warranties and representations
      made to Freddie Mac, regardless of whether the Seller originated the Mortgage. (i) General warranties and
      representations 1. The terms, conditions and requirements stated in the Purchase Documents have been fully
      satisfied 2. All warranties and representations of the Seller are true and correct 3. The Seller is in compliance
      with its agreements contained in the Purchase Documents 4. The Seller has not misstated, misrepresented or
      omitted any material fact about the Mortgage 5. The Seller has given correctly and on a timely basis to the
      Borrower all disclosures and notices required under Applicable Laws and the terms of the Note and the Security
      Instrument 6. With respect to each ARM, the Seller has calculated any and all adjustments to the interest
      rate or the monthly payment correctly and given on a timely basis any and all notices of such adjustments
      completely in accordance with the terms of the Note and Security Instrument and with the requirements of applicable
      law 7. The Seller has adopted Exhibit 35, Appraiser Independence Requirements, and, for each conventional
      Mortgage delivered with an appraisal report, the appraisal report was obtained in a manner consistent with
      Exhibit 35 8. No person or entity on the Freddie Mac Exclusionary List as of the Note Date played a role,
      as described in Section 3101.1, in the origination or sale of such Mortgage or the related real estate transaction
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-2
  canonical_id: fhlmc-1301.5-2
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-16 9. Solely with respect to a Mortgage registered
    with MERS®, MERS is the mortgagee of record (either by being named in the Security Instrument as nominee for
    the Seller or as the assignee in a recorded assignment of the Security Instrument), or, where applicable, MERS
    is no…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '301-16 9. Solely with respect to a Mortgage registered with MERS®, MERS is the mortgagee of
      record (either by being named in the Security Instrument as nominee for the Seller or as the assignee in a
      recorded assignment of the Security Instrument), or, where applicable, MERS is not the mortgagee of record
      for purposes of MERS iRegistration 10. The Seller has adopted Exhibit 42, Property Data Collector Independence
      Requirements, and, for each conventional Mortgage delivered with a PDR, the property data collection was obtained
      in a manner consistent with Exhibit 42 Upon Freddie Mac’s written request, either before or after the Funding
      Date, the Seller will supply evidence satisfactory to Freddie Mac of the Seller’s compliance with any provision
      of the Purchase Documents. Before the Funding Date, the Seller must obtain Freddie Mac’s written approval
      of any waivers or modifications to the provisions of the Purchase Documents. The Seller represents and warrants
      that all persons executing documents on behalf of the Seller are duly authorized to do so. The Seller warrants
      that it and, if applicable, the originator of the Mortgages it sells to Freddie Mac have complied with all
      applicable laws relating to licensing, qualification to do business or approval to originate Mortgages. Before
      the Funding Date, the Seller may contact Freddie Mac to request review of a Mortgage in order to obtain a
      waiver of the warranty requirements of Sections 3101.1(d) and 1301.5(c)(i)(8). The Seller should make such
      request to the Freddie Mac Exclusionary List Mailbox at Elist_Confirmation@FreddieMac.com. As part of the
      request, the Seller must: ■ Inform Freddie Mac of the nature and extent of the role played by the person or
      entity on the Exclusionary List in connection with the Mortgage, and ■ Provide other relevant information
      upon request If Freddie Mac reviews the Mortgage and subsequently elects to purchase the Mortgage, Freddie
      Mac will provide the Seller with written notice of such election, in which case the warranty concerning the
      involvement of an excluded person or entity will not be applicable to the sale of the Mortgage. All other
      requirements of the Purchase Documents relating to the sale of the Mortgage will remain in full force and
      effect. Freddie Mac’s election to review and its decision to purchase such a Mortgage are within its sole
      discretion. (ii) Seller sole Mortgage owner; Mortgage not subject to any other interest As of the Delivery
      Date, the Seller must be the sole owner of the Mortgage.'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-3
  canonical_id: fhlmc-1301.5-3
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-17 As of the Funding Date or the Settlement Date,
    whichever is applicable, all Mortgages purchased by Freddie Mac must be free and clear of all claims, security
    interests or other encumbrances. The Seller agrees to take or cause to be taken such further actions, including,
    wi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: 301-17 As of the Funding Date or the Settlement Date, whichever is applicable, all Mortgages
      purchased by Freddie Mac must be free and clear of all claims, security interests or other encumbrances. The
      Seller agrees to take or cause to be taken such further actions, including, without limitation, the preparation,
      execution and filing of additional documents and instruments, as may be reasonably necessary to assure and
      confirm to Freddie Mac that the Mortgages purchased by Freddie Mac are free and clear of any and all security
      interests as of the Funding Date or the Settlement Date. The Seller warrants to Freddie Mac that as of the
      Freddie Mac Funding Date (Cash programs) or Settlement Date of the UMBS, MBS or WAC ARM PC (Guarantor programs),
      the Mortgage is not subject to any other interest. The Seller further warrants and agrees not to sell, assign,
      convey, hypothecate, pledge or in any other way transfer (conditionally or otherwise) its interest in a Mortgage
      that Freddie Mac has purchased except as expressly permitted in the Purchase Documents. (iii)eMortgage representations
      and warranties For additional representations and warranties related to eMortgages, see Section 1402.3(c)(viii).
      (d) Survival of warranties; remedies The warranties and representations in the Purchase Documents for any
      Mortgage purchased by Freddie Mac survive payment of the purchase price by Freddie Mac. The warranties and
      representations are not affected by any investigation made by, or on behalf of, Freddie Mac except when expressly
      waived in writing by Freddie Mac. When any party has purchased a Mortgage from Freddie Mac that Freddie Mac
      previously purchased from a Seller, Freddie Mac may exercise any rights or remedies at law or in equity on
      behalf of the party to the extent that the party does not affirmatively do so. Freddie Mac may also exercise
      its discretion to disqualify or suspend a Seller or a Servicer pursuant to Chapter 2301 or Section 9102.1.
      For each Mortgage purchased by Freddie Mac, the Seller and the Servicer agree that Freddie Mac may, at any
      time and without limitation, require the Seller or the Servicer, at the Seller’s or the Servicer’s expense,
      to make such endorsements to and assignments and recordations of any of the Mortgage documents so as to reflect
      the interests of Freddie Mac and/or its successors and assigns.
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-4
  canonical_id: fhlmc-1301.5-4
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: Enforcement of representations and warranties related
    to underwriting of the Borrower, Mortgaged Premises and project (05/06/26) This section contains requirements
    related to: ■ Representations and warranties ■ Eligible Mortgages ■ Life-of-loan representations and warranties
    Fred…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: 'Enforcement of representations and warranties related to underwriting of the Borrower, Mortgaged
      Premises and project (05/06/26) This section contains requirements related to: ■ Representations and warranties
      ■ Eligible Mortgages ■ Life-of-loan representations and warranties Freddie Mac will not exercise its remedies,
      including the issuance of a repurchase request, in connection with the Seller/Servicer’s breaches of certain
      selling representations and warranties as described below. Mortgages that are processed by the Seller through
      Loan Collateral Advisor® and Loan Product Advisor® may also qualify for additional enforcement relief related
      to value, condition and marketability, provided certain conditions are met. See Section 5602.2 for details.
      Selling representation and warranty framework The requirements below are effective for Mortgages with Freddie
      Mac Settlement Dates on and after July 1, 2014. (a) Representations and warranties For Mortgages, including
      Mortgages sold pursuant to negotiated provisions, that comply with the eligibility requirements set forth
      in (b) below, Freddie Mac will not exercise its remedies, including the issuance of a repurchase request,
      in connection with the Seller/Servicer’s breaches of selling representations and warranties in the topics,
      chapters and sections of the Guide listed in the table below1, relating to: ■ The underwriting of the Borrower,
      which includes the Seller’s assessment of the Borrower’s loan terms, credit history, employment and income,
      assets, and other financial information used for qualifying the Borrower for the Mortgage ■ The underwriting
      of the Mortgaged Premises, which is the analysis of the description and valuation of the Mortgaged Premises
      to determine its adequacy as collateral for the Mortgage ■ The underwriting of the project in which the Mortgaged
      Premises is located, which is the analysis of the Planned Unit Development (PUD), Condominium Project or Cooperative
      Project 1 This includes the topics, chapters and sections as amended by the Seller’s Purchase Documents, if
      applicable.'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-5
  canonical_id: fhlmc-1301.5-5
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-19 For Guide provisions not listed in this table,
    the Seller/Servicer will continue to be responsible for representations and warranties for the life of the loan.
    Seller/Servicer representations and warranties Guide topic/chapter/section Title of topic, chapter or section
    and…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '301-19 For Guide provisions not listed in this table, the Seller/Servicer will continue to
      be responsible for representations and warranties for the life of the loan. Seller/Servicer representations
      and warranties Guide topic/chapter/section Title of topic, chapter or section and where noted, exclusions
      to provisions in the topic/chapter/section Note: Where the following provisions of the Guide contain references
      to requirements located in other topics, chapters and/or sections of the Guide, Freddie Mac will not exercise
      its remedies in connection with breaches of representations and warranties related to those requirements only
      if the topic/chapter/section where the requirement is located is included below. Section 4101.1 The Mortgage
      application Section 4201.1 Investment Quality Mortgage, with the following exceptions: ■ The Mortgage is adequately
      secured by real property ■ For all Mortgages with Application Received Dates on or after July 1, 2021, and
      all Mortgages with Settlement Dates after August 31, 2021, all ATR Covered Mortgages sold to Freddie Mac must
      satisfy the requirements in the Revised General QM Rule Section 4201.3 Amortization and term, with the following
      exceptions: For a Mortgage with an Application Received Date prior to January 10, 2014, and a Freddie Mac
      Settlement Date on or before July 31, 2014: The Mortgage must not have an original term that exceeds 40 years
      from the date that is one month before the first payment Due Date as described in Section 4201.3. For a Mortgage
      with an Application Received Date on or after January 10, 2014, or a Freddie Mac Settlement Date after July
      31, 2014: The Mortgage must not have an original term that exceeds 30 years from the date that is one month
      before the first payment Due Date as described in Section 4201.3. Subsection 4201.4(c) Additional requirements
      for Mortgages with Settlement Dates More than 120 days After the Note Date'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-6
  canonical_id: fhlmc-1301.5-6
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-20 Seller/Servicer representations and warranties
    Guide topic/chapter/section Title of topic, chapter or section and where noted, exclusions to provisions in
    the topic/chapter/section Note: Where the following provisions of the Guide contain references to requirements
    located…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '301-20 Seller/Servicer representations and warranties Guide topic/chapter/section Title of
      topic, chapter or section and where noted, exclusions to provisions in the topic/chapter/section Note: Where
      the following provisions of the Guide contain references to requirements located in other topics, chapters
      and/or sections of the Guide, Freddie Mac will not exercise its remedies in connection with breaches of representations
      and warranties related to those requirements only if the topic/chapter/section where the requirement is located
      is included below. Section 4201.7 Assumption of Mortgage Section 4201.10 No circumstances adversely affecting
      value of Mortgage Section 4201.11 Mortgages secured by Primary Residences Section 4201.12 Second home Mortgages
      Section 4201.13 Investment Property Mortgages Section 4201.14 Impact of Contaminated Sites Chapter 4203 Maximum
      Loan Amounts and LTV, TLTV and HTLTV Ratios Chapter 4204 Secondary Financing and Other Financing Arrangements,
      with the following exceptions: ■ The requirement that for any Mortgage with a buydown plan, the initial interest
      rate may not be more than 3% below the Note Rate and the buydown plan may not extend for more than 3 years
      ■ Subsection 4204.3(a) regarding Borrower qualification and qualifying rates, as follows: For all Mortgages
      with Application Received Dates on or after July 1, 2021, and all Mortgages with Settlement Dates after August
      31, 2021, the qualifying rate must, at a minimum, equal the maximum interest rate that may apply during the
      first five years after the date on which the first regular periodic payment will be due, based on the loan
      amount over the loan term. Chapter 4301 Refinance Mortgages'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-7
  canonical_id: fhlmc-1301.5-7
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-21 Seller/Servicer representations and warranties
    Guide topic/chapter/section Title of topic, chapter or section and where noted, exclusions to provisions in
    the topic/chapter/section Note: Where the following provisions of the Guide contain references to requirements
    located…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '301-21 Seller/Servicer representations and warranties Guide topic/chapter/section Title of
      topic, chapter or section and where noted, exclusions to provisions in the topic/chapter/section Note: Where
      the following provisions of the Guide contain references to requirements located in other topics, chapters
      and/or sections of the Guide, Freddie Mac will not exercise its remedies in connection with breaches of representations
      and warranties related to those requirements only if the topic/chapter/section where the requirement is located
      is included below. With the exception of Section 4301.3 regarding refinance practices Subsection 4401.2(b)
      ARM qualifying rates, with the following exception: For all Mortgages with Application Received Dates on or
      after July 1, 2021, and all Mortgages with Settlement Dates after August 31, 2021, the qualifying rate must,
      at a minimum, equal the maximum interest rate that may apply during the first five years after the date on
      which the first regular periodic payment will be due, based on the loan amount over the loan term. Chapter
      4402 Seller-Owned Converted and Seller-Owned Modified Mortgages Chapter 4404 Land Contract; Contract for Deed
      Chapter 4405 Energy Conservation Improvements Chapter 4406 Mortgages Secured by Properties Subject to Resale
      Restrictions Chapter 4407 Properties Impacted by Disasters Chapter 4408 Mortgages Made Pursuant to Employee
      Relocation Programs Topic 4500 Affordable Mortgages and Duty to Serve Topic 4600 Special Freddie Mac Mortgage
      Products Subsection 4701.2(a) Borrower-paid financed premiums (mortgage insurance premiums)'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-8
  canonical_id: fhlmc-1301.5-8
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-22 Seller/Servicer representations and warranties
    Guide topic/chapter/section Title of topic, chapter or section and where noted, exclusions to provisions in
    the topic/chapter/section Note: Where the following provisions of the Guide contain references to requirements
    located…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '301-22 Seller/Servicer representations and warranties Guide topic/chapter/section Title of
      topic, chapter or section and where noted, exclusions to provisions in the topic/chapter/section Note: Where
      the following provisions of the Guide contain references to requirements located in other topics, chapters
      and/or sections of the Guide, Freddie Mac will not exercise its remedies in connection with breaches of representations
      and warranties related to those requirements only if the topic/chapter/section where the requirement is located
      is included below. Topic 5100 Determining Borrower Eligibility With the exception of: ■ Section 5103.2 regarding
      requirements for permanent and nonpermanent resident aliens ■ Section 5103.5 regarding requirements for living
      trusts Topic 5200 Credit Assessment Topic 5300 Stable Monthly Income and Asset Qualification Sources Topic
      5400 Evaluation of Monthly Obligations Topic 5500 Assets Topic 5600 Property Eligibility and Valuation With
      the exception of: ■ Subsection 5601.1(a), Eligible properties ■ Subsection 5603.1(b) relating to Exhibit 35,
      Appraiser Independence Requirements ■ Section 5603.1 relating to the Uniform Standards of Professional Appraisal
      Practice ■ Subsection 5603.5(a) relating to Exhibit 42, Property Data Collector Independence Requirements
      Chapter 5701 Condominiums With the exception of: ■ Section 5701.2 relating to project insurance requirements
      ■ Section 5701.2 relating to title insurance'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1301.5-9
  canonical_id: fhlmc-1301.5-9
  section: Freddie Mac Guide 1301.5
  description: '1301.5 Warranties, representations and review: 301-23 Seller/Servicer representations and warranties
    Guide topic/chapter/section Title of topic, chapter or section and where noted, exclusions to provisions in
    the topic/chapter/section Note: Where the following provisions of the Guide contain references to requirements
    located…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1301.5 — Warranties, representations and review
      (12/17/25)
    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: '301-23 Seller/Servicer representations and warranties Guide topic/chapter/section Title of
      topic, chapter or section and where noted, exclusions to provisions in the topic/chapter/section Note: Where
      the following provisions of the Guide contain references to requirements located in other topics, chapters
      and/or sections of the Guide, Freddie Mac will not exercise its remedies in connection with breaches of representations
      and warranties related to those requirements only if the topic/chapter/section where the requirement is located
      is included below. ■ Subsection 5701.3(a), Projects in which the unit owners do not have an undivided ownership
      or leasehold interest in the land on which the project is located ■ Subsection 5701.3(b), Condominium Hotel
      ■ Subsection 5701.3(d), Project with excessive commercial or non-residential space ■ Subsection 5701.3(e),
      Tenancy-in-Common apartment project ■ Subsection 5701.3(f), Timeshare project or project with segmented ownership
      ■ Subsection 5701.3(g), Houseboat project ■ Subsection 5701.3(k), Continuing Care Retirement Community (CCRC)
      ■ Subsection 5701.3(l), Manufactured Homes ■ Subsection 5701.3(m), Project with mandatory dues or similar
      membership fees for use of Amenities such as clubhouses or recreational facilities ■ Subsection 5701.6(e),
      Compliance with laws ■ Subsection 5701.6(f), Limitations on ability to sell/right of first refusal ■ Subsection
      5701.6(h), Mortgagee consent ■ Subsection 5701.6(i), Rights of Condominium mortgagees and guarantors Chapter
      5702 Planned Unit Developments (PUDs) With the exception of Subsection 5702.1(f) relating to insurance requirements'
    drafter_attestation: Verbatim from Freddie Guide §1301.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
