source:
  type: guide
  id: fhlmc-5102.4
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5102.4 — Age
    of documentation
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 5102.4 — Age
    of documentation.
  coverage_tier: operative
obligations:
- id: fhlmc-5102.4-full
  canonical_id: fhlmc-5102.4-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 5102.4 — Age of
    documentation
  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 5102.4 — Age
      of documentation
    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: '5102.4: Age of documentation (02/04/26) The section contains
      requirements related to: ■ Age of verifications ■ Age of documentation when
      data used for Loan Product Advisor® assessments (a) Age of verifications Verifications
      of information used to evaluate the Borrower’s creditworthiness must be dated
      no more than 120 calendar days before the Note Date1. Verifications subject
      to this requirement include verification of: Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5102 As of 03/01/26 Page 5102-9 ■ Employment ■ Existence of the
      business for a self-employed Borrower ■ Income, including current receipt of
      income ■ Source of funds ■ Payment history For an employed Borrower, the Seller
      must also confirm the Borrower’s employment by obtaining a 10-day pre-closing
      verification in accordance with the requirements of Section 5302.2(d). Certain
      Mortgages are subject to additional age of documentation requirements. Refer
      to the following Guide sections for requirements: ■ Section 4402.1(c) for Seller-Owned
      Converted Mortgages and Seller-Owned Modified Mortgages ■ Section 4602.2 for
      One-Time Close Construction to Permanent Mortgages ■ Section 5302.2(a) for year-to-date
      paystubs ■ Section 5302.4(b) for tax returns 1For the purposes of this section,
      all references to the Note Date refer, as applicable, to the: ■ Effective Date
      of Permanent Financing for Construction to Permanent Mortgages and Renovation
      Mortgages ■ Modification date for Seller-Owned Modified Mortgages ■ Conversion
      Date for Seller-Owned Converted Mortgages ■ Assumption agreement date for Mortgages
      that have been assumed (b) Age of documentation when data used for Loan Product
      Advisor assessments For Mortgages when data is used for the Loan Product Advisor
      assessment and a verification report is obtained, the expiration of the verification
      report reflected in feedback messaging on the Last Feedback Certificate complies
      with the requirement of Section 5102.4(a) above. Refer to the following table
      for the Guide sections related to the verification report requirements for Mortgages
      using automated assessment: Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 5102 As of 03/01/26 Page 5102-10 Verification requirements for Mortgages
      using automated assessment Verification report requirements Guide section Mortgages
      using automated income assessment with Loan Product Advisor using employed income
      data Section 5303.4 Mortgages using automated asset assessment with Loan Product
      Advisor using account data Section 5501.8 Mortgages using automated income assessment
      with Loan Product Advisor using account data for employed income Section 5303.5
      Mortgages using automated income assessment with Loan Product Advisor using
      account data for other income Section 5305.2 Mortgages using automated employment
      assessment with Loan Product Advisor Section 5302.6 Mortgages when rent payment
      history and Borrower’s cash flow are included in Loan Product Advisor’s assessment
      Section 5201.1 Freddie Mac Single-Family Seller/Servicer Guide Chapter 5103
      As of 02/04/26 Page 5103-1 Chapter 5103: Special Borrower Eligibility 5103.1:
      Mortgages including a non-occupying Borrower (10/01/25) When a Mortgage includes
      a non-occupying Borrower, all of the following apply: ■ The Mortgage must be
      a purchase or “no cash-out” refinance transaction ■ The non-occupying Borrower
      must not be an interested party to the transaction (for example, the builder,
      property seller, real estate agent or broker) ■ The funds used to qualify for
      the Mortgage may come from the occupant and/or the non- occupant Borrower The
      following requirements for specific underwriting methods also apply: ■ For Accept
      Mortgages: ❑ The loan-to-value (LTV) ratio must not exceed 95% ❑ Calculation
      or evaluation of the occupant Borrower’s monthly housing expense-to- income
      ratio or the occupant Borrower’s monthly debt payment-to-income ratio is not
      required ■ For Manually Underwritten Mortgages: ❑ The LTV ratio must not exceed
      90% ❑ The occupant Borrower’s monthly housing expense-to-income ratio should
      not exceed 35% of their stable monthly income and/or qualifying asset amount
      as described in Section 5307.1(b), and the occupant Borrower’s monthly debt
      payment-to-income ratio must not exceed 43% of their stable monthly income and/or
      qualifying asset amount as described in Section 5307.1(b) Note: A Mortgage is
      considered to be secured by a Primary Residence when the Mortgaged Premises
      is occupied as a Primary Residence by an individual(s) who is the Borrower’s
      parent(s) or an individual(s) who has a disability and the Borrower is their
      parent or legal guardian. Refer to Section 4201.11 for additional information.
      Refer to the following Guide provisions for additional information related to
      non-occupying Borrowers: Freddie Mac Single-Family Seller/Servicer Guide Chapter
      5103 As of 02/04/26 Page 5103-2 Other Guide provisions related to non-occupying
      Borrowers Guide provision Guide location Special eligibility and underwriting
      requirements for Refi Possible® Mortgages Section 4302.5 Eligible Borrowers
      for Home Possible® Mortgages Section 4501.4 When a non-occupying Borrower is
      an endorser, guarantor or surety Section 5103.3 Eligible Borrowers for HeritageOne®
      Mortgages Section 4504.3 5103.2: Permanent and nonpermanent resident aliens
      (07/02/25) A non-U.S. citizen who is lawfully residing in the United States
      as a permanent or nonpermanent resident alien is eligible for a Mortgage on
      the same terms as a U.S. citizen. A Mortgage to a non-U.S. citizen who has no
      lawful residency status in the United States is not eligible for sale to Freddie
      Mac.'
  judgment: false
