source:
  type: regulation
  id: fhlmc-3401.5
  authority: Freddie Mac Single-Family Seller/Servicer Guide §3401.5 — Specialty Mortgages and other considerations
    (11/19/25)
  description: "Freddie Mac Guide §3401.5 (Specialty Mortgages and other considerations). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-3401.5-0
  canonical_id: fhlmc-3401.5-0
  section: Freddie Mac Guide 3401.5
  description: '3401.5 Specialty Mortgages and other considerations: (11/19/25) This section contains requirements
    related to: ■ Mortgages secured by Manufactured Homes ■ Community Land Trust Mortgages ■ GreenCHOICE Mortgages®
    (a) Mortgages secured by Manufactured Homes For a Mortgage secured by a Manufactured Home, the Mortgage file
    must include …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §3401.5 — Specialty Mortgages and other considerations
      (11/19/25)
    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: '(11/19/25) This section contains requirements related to: ■ Mortgages secured by Manufactured
      Homes ■ Community Land Trust Mortgages ■ GreenCHOICE Mortgages® (a) Mortgages secured by Manufactured Homes
      For a Mortgage secured by a Manufactured Home, the Mortgage file must include documentation evidencing that
      the Manufactured Home is legally classified as real property,'
    drafter_attestation: Verbatim from Freddie Guide §3401.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-3401.5-1
  canonical_id: fhlmc-3401.5-1
  section: Freddie Mac Guide 3401.5
  description: '3401.5 Specialty Mortgages and other considerations: 401-25 the Manufactured Home is properly titled
    and the lien on the Manufactured Home is properly created, evidenced and perfected. For a Mortgage on a new
    Manufactured Home, the Mortgage file must contain a copy of the manufacturer’s invoice and Manufactured Home
    Purchase Agreem…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §3401.5 — Specialty Mortgages and other considerations
      (11/19/25)
    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: '401-25 the Manufactured Home is properly titled and the lien on the Manufactured Home is properly
      created, evidenced and perfected. For a Mortgage on a new Manufactured Home, the Mortgage file must contain
      a copy of the manufacturer’s invoice and Manufactured Home Purchase Agreement in the Mortgage file. If the
      Manufactured Home is a new installation, the Mortgage file must contain evidence that the Manufactured Home
      was installed in compliance with applicable HUD Codes for Manufactured Homes (HUD Codes). (b) Community Land
      Trust Mortgages For Community Land Trust Mortgages, the Mortgage file must include: ■ If applicable, written
      approval signed by the Community Land Trust or its authorized representative permitting the Borrower to enter
      into a refinance transaction ■ An original executed or certified copy of the Community Land Trust ground lease
      and Form 490, Community Land Trust Ground Lease Rider, containing the recordation information (c) GreenCHOICE
      Mortgages For GreenCHOICE Mortgages, the Mortgage file must include: ■ Documentation of the eligible improvements,
      as described in Section 4606.1(b), and their costs, such as receipts and/or invoices, as applicable, ■ Documentation
      of the costs used to calculate the total acquisition cost for purchase transaction Mortgages as referenced
      in Section 4606.2(a), ■ For Manually Underwritten Mortgages that used one or both of the higher qualifying
      ratios, as referenced in Section 5401.1(e)(ii)(B), documentation that the property has a level of energy efficiency
      greater than that of a “standard” (i.e., non-energy efficient) property, ■ For Mortgages used to finance eligible
      improvements completed after the Note Date, the written escrow agreement as referenced in Section 4606.3(a)(3),
      ■ If applicable, an energy report or alternative documentation in lieu of an energy report, ■ If applicable,
      a completion report provided by the appraiser, and ■ If proceeds were used to pay an Existing Debt (as defined
      in Section 4606.1(c)), documentation meeting the requirements in Section 4606.3(b), as applicable'
    drafter_attestation: Verbatim from Freddie Guide §3401.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-3401.5-2
  canonical_id: fhlmc-3401.5-2
  section: Freddie Mac Guide 3401.5
  description: '3401.5 Specialty Mortgages and other considerations: 402-1 Chapter 3402: Seller’s In-House Quality
    Control Program'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §3401.5 — Specialty Mortgages and other considerations
      (11/19/25)
    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: '402-1 Chapter 3402: Seller’s In-House Quality Control Program'
    drafter_attestation: Verbatim from Freddie Guide §3401.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
