source:
  type: regulation
  id: fhlmc-4603.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
    (02/05/25)
  description: "Freddie Mac Guide §4603.1 (Definition of super conforming Mortgages). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-4603.1-0
  canonical_id: fhlmc-4603.1-0
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: (02/05/25) Super conforming Mortgages are Mortgages
    that are secured by properties located in High-Cost Areas and have original loan amounts meeting the loan limits
    in Section 4603.2.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: (02/05/25) Super conforming Mortgages are Mortgages that are secured by properties located
      in High-Cost Areas and have original loan amounts meeting the loan limits in Section 4603.2.
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4603.1-1
  canonical_id: fhlmc-4603.1-1
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: Minimum and maximum original loan amounts for super
    conforming Mortgages (01/01/26) The following minimum and maximum original loan amounts apply to Mortgages secured
    by properties in High-Cost Areas (“super conforming Mortgages”) that have Freddie Mac Funding Dates or Settlement…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: 'Minimum and maximum original loan amounts for super conforming Mortgages (01/01/26) The following
      minimum and maximum original loan amounts apply to Mortgages secured by properties in High-Cost Areas (“super
      conforming Mortgages”) that have Freddie Mac Funding Dates or Settlement Dates on or after January 1, 2026
      and on or before December 31, 2026: Minimum/maximum original loan amounts for super conforming Mortgages Units
      Properties in the 48 contiguous States, the District of Columbia and Puerto Rico Properties in Alaska, Hawaii,
      Guam and the U.S. Virgin Islands** Minimum loan amount Maximum loan amount Minimum loan amount Maximum loan
      amount Permanent (HERA)* Permanent (HERA)* 1 $832,751 $1,249,125 $1,249,126 $1,873,675 2 $1,066,251 $1,599,375
      $1,599,376 $2,399,050 3 $1,288,801 $1,933,200 $1,933,201 $2,899,800 4 $1,601,751 $2,402,625 $2,402,626 $3,603,925
      *These are the maximum potential loan limits for designated High-Cost Areas, as determined under the provisions
      of the Housing and Economic Recovery Act of 2008 (HERA). Actual loan limits are established for each county
      (or equivalent) and the loan limits for specific High-Cost Areas may be lower. The original principal balance
      of a Mortgage must not exceed the maximum loan limit for the specific area in which the Mortgaged Premises
      is located.'
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4603.1-2
  canonical_id: fhlmc-4603.1-2
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: 603-2 For specific loan limits for each High-Cost
    Area, as released by FHFA, visit: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx.
    **The only two counties in Alaska, Hawaii, Guam and the U.S. Virgin Islands that are High-Cost Areas in 2026
    are Maui and…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: '603-2 For specific loan limits for each High-Cost Area, as released by FHFA, visit: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx.
      **The only two counties in Alaska, Hawaii, Guam and the U.S. Virgin Islands that are High-Cost Areas in 2026
      are Maui and Kalawao. For super conforming Mortgages, the Seller must use the loan amount of the Mortgage
      stated in the Note to determine compliance with the maximum loan limits stated above.'
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4603.1-3
  canonical_id: fhlmc-4603.1-3
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: Eligible and ineligible super conforming Mortgages
    (04/12/26) This section contains requirements related to: ■ Eligible Mortgages ■ Ineligible Mortgages (a) Eligible
    Mortgages A super conforming Mortgage must be a: ■ Fixed-rate Mortgage, or ■ 5/6-Month, 7/6-Month or 10/6-Month
    AR…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: 'Eligible and ineligible super conforming Mortgages (04/12/26) This section contains requirements
      related to: ■ Eligible Mortgages ■ Ineligible Mortgages (a) Eligible Mortgages A super conforming Mortgage
      must be a: ■ Fixed-rate Mortgage, or ■ 5/6-Month, 7/6-Month or 10/6-Month ARM (b) Ineligible Mortgages Super
      conforming Mortgages must not be: ■ ARMs with Initial Periods of less than five years ■ Government Mortgages
      ■ HeritageOne® Mortgages ■ Home Possible® Mortgages ■ HomeOne® Mortgages ■ Mortgages secured by a Manufactured
      Home ■ Seller-Owned Converted Mortgages ■ Seller-Owned Modified Mortgages'
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4603.1-4
  canonical_id: fhlmc-4603.1-4
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: Underwriting requirements for super conforming
    Mortgages (08/06/25) This section contains: ■ General underwriting requirements for all super conforming Mortgages
    ■ Accept Mortgages ■ Manually Underwritten Mortgages (a) General underwriting requirements for all super conforming
    Mo…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: 'Underwriting requirements for super conforming Mortgages (08/06/25) This section contains:
      ■ General underwriting requirements for all super conforming Mortgages ■ Accept Mortgages ■ Manually Underwritten
      Mortgages (a) General underwriting requirements for all super conforming Mortgages All super conforming Mortgages
      must be submitted to Loan Product Advisor®. The Seller must enter the Key Number (which is referred to as
      the Loan Prospector AUS Key Number in Loan Selling Advisor) in the ULDD Data Point Automated Underwriting
      Case Identifier for all super conforming Mortgage transactions. (b) Accept Mortgages The Borrower’s credit
      reputation is acceptable if the Mortgage receives a Risk Class of Accept. (c) Manually Underwritten Mortgages
      The following super conforming Mortgages must be manually underwritten: ■ Caution Mortgages ■ Mortgages submitted
      to Loan Product Advisor that did not receive a Risk Class Super conforming Mortgages that are manually underwritten
      must: ■ Meet the requirements of Topics 5100 through 5500 ■ Meet the minimum Indicator Score requirements
      in Exhibit 25, Mortgages with Risk Class and/or Minimum Indicator Score Requirements ■ Have an acceptable
      credit reputation without the use of noncredit payment references'
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4603.1-5
  canonical_id: fhlmc-4603.1-5
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: Appraisal requirements for super conforming Mortgages
    (02/04/26) The Seller must obtain an appraisal that meets Freddie Mac requirements unless the Last Feedback
    Certificate includes an automated collateral evaluation (ACE) offer stating that the Mortgage is eligible for
    collater…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: Appraisal requirements for super conforming Mortgages (02/04/26) The Seller must obtain an
      appraisal that meets Freddie Mac requirements unless the Last Feedback Certificate includes an automated collateral
      evaluation (ACE) offer stating that the Mortgage is eligible for collateral representation and warranty relief
      with ACE or ACE+ PDR and the Seller has accepted the offer. Refer to Section 5602.3 for more information on
      ACE or Section 5602.4 for information on ACE+ PDR.
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4603.1-6
  canonical_id: fhlmc-4603.1-6
  section: Freddie Mac Guide 4603.1
  description: '4603.1 Definition of super conforming Mortgages: Delivery and pooling requirements for super conforming
    Mortgages (02/05/25) Refer to Section 6302.31 for delivery and pooling requirements for super conforming Mortgages.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages
      (02/05/25)
    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: Delivery and pooling requirements for super conforming Mortgages (02/05/25) Refer to Section
      6302.31 for delivery and pooling requirements for super conforming Mortgages.
    drafter_attestation: Verbatim from Freddie Guide §4603.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
