source:
  type: regulation
  id: fhlmc-4201.11
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4201.11 — Mortgages secured by Primary Residences
    (10/01/25)
  description: "Freddie Mac Guide §4201.11 (Mortgages secured by Primary Residences). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-4201.11-0
  canonical_id: fhlmc-4201.11-0
  section: Freddie Mac Guide 4201.11
  description: '4201.11 Mortgages secured by Primary Residences: (10/01/25) This section contains information related
    to: ■ Occupancy requirements ■ Rental income from a Primary Residence ■ Other Guide provisions ■ Delivery requirements
    for rental income from all subject 2- to 4-unit Primary Residences (a) Occupancy requirements A Mortgage is
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4201.11 — Mortgages secured by Primary Residences
      (10/01/25)
    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: '(10/01/25) This section contains information related to: ■ Occupancy requirements ■ Rental
      income from a Primary Residence ■ Other Guide provisions ■ Delivery requirements for rental income from all
      subject 2- to 4-unit Primary Residences (a) Occupancy requirements A Mortgage is considered to be secured
      by a Primary Residence when at least one of the Borrowers occupies all or part of the Mortgaged Premises as
      a Primary Residence as of the Delivery Date. For Manually Underwritten Mortgages with a loan-to-value ratio
      greater than 90%, each Borrower whose income or financial strength was used for qualification purposes must
      occupy all or part of the Mortgaged Premises as a Primary Residence as of the Delivery Date. Exceptions: ■
      A Mortgage is considered to be secured by a Primary Residence when made to an active- duty military Borrower
      who is unable to occupy the Primary Residence prior to the Delivery Date due to military service when the
      following requirements are met: ❑ The Mortgage file must contain the Borrower’s military orders verifying
      the Borrower is temporarily unable to occupy the Primary Residence due to the military assignment ❑ The Seller
      must deliver ULDD Data Point Investor Feature Identifier valid value “D76”. See Section 6302.8(a) for more
      information. ■ 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) ■ 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 has a disability and the Borrower is their parent or legal guardian'
    drafter_attestation: Verbatim from Freddie Guide §4201.11 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4201.11-1
  canonical_id: fhlmc-4201.11-1
  section: Freddie Mac Guide 4201.11
  description: '4201.11 Mortgages secured by Primary Residences: 201-8 (b) Rental income from a Primary Residence
    Rental income generated from a Mortgage secured by a Primary Residence is not permitted to qualify the Borrower,
    except as stated in Section 4501.6 for Home Possible® Mortgages and Section 5306.1 for rental income from a
    live-in ai…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4201.11 — Mortgages secured by Primary Residences
      (10/01/25)
    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: '201-8 (b) Rental income from a Primary Residence Rental income generated from a Mortgage secured
      by a Primary Residence is not permitted to qualify the Borrower, except as stated in Section 4501.6 for Home
      Possible® Mortgages and Section 5306.1 for rental income from a live-in aide or rental income generated from
      an ADU. (c) Other Guide provisions Refer to the following Guide provisions for additional information related
      to Mortgages secured by Primary Residences: Other Guide provisions related to Mortgages secured by Primary
      Residences Guide provision Guide location Mortgages with a non-occupying Borrower Section 5103.1 Special occupancy
      requirement for Mortgages made pursuant to employee relocation programs Section 4408.1(c) Special occupancy
      requirement for CHOICERenovation® In Progress Mortgages Section 4607.3(b) (d) Delivery requirements for rental
      income from all subject 2- to 4-unit Primary Residences Regardless of whether rental income from the subject
      2- to 4-unit Primary Residence is being used to qualify the Borrower, the Seller must deliver the ULDD Data
      Point Property Dwelling Unit Eligible Rent Amount for each non-owner occupied unit in a subject 2- to 4- unit
      Primary Residence. Note: See Section 6302.8 for delivery requirements for rental income.'
    drafter_attestation: Verbatim from Freddie Guide §4201.11 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
