source:
  type: regulation
  id: fhlmc-6302.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions (12/17/25)
  description: "Freddie Mac Guide §6302.3 (Guarantor program delivery instructions). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-6302.3-0
  canonical_id: fhlmc-6302.3-0
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: (12/17/25) ■ Guarantor program requirements and
    instructions ■ Purchase tolerance ■ Data delivery instructions ■ Pooling requirements ■ Security wire instructions
    ■ Use of a Settlement Cycle of less than five days for Guarantor deliveries (a) Guarantor program requirements
    and in…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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) ■ Guarantor program requirements and instructions ■ Purchase tolerance ■ Data delivery
      instructions ■ Pooling requirements ■ Security wire instructions ■ Use of a Settlement Cycle of less than
      five days for Guarantor deliveries (a) Guarantor program requirements and instructions For Mortgages sold
      under the Guarantor program, a contract number (ULDD Data Point “Investor Contract Identifier”) will be made
      available to the Seller immediately upon taking out a Guarantor contract. In connection with each WAC ARM
      Guarantor Contract, the Seller must select the appropriate WAC ARM Security Product based on the characteristics
      of the ARMs. (b) Purchase tolerance For Guarantor contracts, any part of the Contract Commitment Amount specified
      in the Guarantor contract may be delivered, provided the minimum pool size is met.
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-1
  canonical_id: fhlmc-6302.3-1
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: 302-9 The Seller can increase a Guarantor contract
    amount up to the remaining balance of the Commitment Amount plus the applicable tolerance. (c) Data delivery
    instructions (i) Mortgages sold under the Guarantor program For Mortgages purchased by Freddie Mac under the
    Guarantor p…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: '302-9 The Seller can increase a Guarantor contract amount up to the remaining balance of the
      Commitment Amount plus the applicable tolerance. (c) Data delivery instructions (i) Mortgages sold under the
      Guarantor program For Mortgages purchased by Freddie Mac under the Guarantor program, the Seller must deliver
      the following ULDD Data Points: Data Required for Mortgages Sold under the Guarantor Program Sort ID ULDD
      Data Point Valid Value Notes LOAN – Current → Payment Details 385 Loan Acquisition Scheduled UPB Amount The
      scheduled UPB must include reductions for: ■ The principal due in the month of settlement (even if not collected)
      and all prior months ■ The principal portion of any advanced (prepaid) installments received prior to the
      Settlement Date ■ Any partial prepayments (curtailments) received on or before the Delivery Date 440 Last
      Paid Installment Due Date For newly originated Mortgages, enter the date through which interest is scheduled
      to be paid. For Mortgages for which there has been an advanced (prepaid) installment of interest, enter the
      date through which advanced (prepaid) installments of interest have been made. The related Glossary term is
      DDLPI. → Product Details 368 Investor Feature Identifier J99 For Mortgages sold for Green MBS, enter this
      value to indicate the Mortgage is secured by property with a qualifying Home Energy Rating System (HERS) score
      and/or ENERGY STAR certification, as described in Section 6202.3(f).'
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-2
  canonical_id: fhlmc-6302.3-2
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: 302-10 (ii)Mortgages with lender crediting Borrower
    interest at closing If a lender credits the Borrower interest at closing in an amount equal to the interest
    due from the first day of the month through the day before the Note Date, the Borrower’s first monthly principal
    and int…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: '302-10 (ii)Mortgages with lender crediting Borrower interest at closing If a lender credits
      the Borrower interest at closing in an amount equal to the interest due from the first day of the month through
      the day before the Note Date, the Borrower’s first monthly principal and interest payment is due the first
      day of the month immediately following the Mortgage closing. For such Mortgages, the Seller represents and
      warrants that the lender credited the Borrower with interest at closing, and the Seller must deliver the following
      ULDD Data Point: Data Required for Mortgages Sold under Guarantor when Lender Credits Borrower Interest at
      Closing Sort ID ULDD Data Point Valid Value Notes LOAN – Current → Payment Details 440 Last Paid Installment
      Due Date For fixed-rate Mortgages, enter the Note Date or first day of the month of closing. For ARMs, enter
      the first day of the month of closing. The related Glossary term is DDLPI. (iii) ARMs with next Interest Change
      Dates in the month of settlement For ARMs, if the next Interest Change Date is during the month of settlement,
      the Seller must deliver the following ULDD Data Points as if the Interest Change Date had already occurred.
      For example, if the Seller delivers an annually adjusting ARM on February 27 for settlement on March 23, and
      the Interest Change Date is March 1, the Seller must enter the following values: ULDD Data Point Calculation
      Instructions Next Rate Adjustment Effective Date March 1 of the following year Per Change Rate Adjustment
      Effective Date For Adjustment Rule Type = “First” March 1 of the current year Current Interest Rate Percent
      The Note Rate in effect as of March 1 of the current year Principal And Interest Payment Amount The amount
      of the principal and interest (P&I) payment due as of March 1 of the current year (iv)ARMs past the first
      Interest Change Date ARMs that are past the first Interest Change Date may be delivered with ARMs that are
      not past the first Interest Change Date.'
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-3
  canonical_id: fhlmc-6302.3-3
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: 302-11 (d) Pooling requirements Refer to Chapter
    6202 for pooling requirements for fixed-rate Mortgages under the fixed-rate Guarantor or MultiLender Swap programs
    and for pooling requirements for ARMs under the WAC ARM Guarantor program. (e) Security wire instructions Security
    w…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: 302-11 (d) Pooling requirements Refer to Chapter 6202 for pooling requirements for fixed-rate
      Mortgages under the fixed-rate Guarantor or MultiLender Swap programs and for pooling requirements for ARMs
      under the WAC ARM Guarantor program. (e) Security wire instructions Security wire instructions are required
      for all pools. See Section 2201.1 for information regarding Certificate of Incumbency requirements. See Sections
      6203.3(c) and 6204.3(c) for information about security wire instructions. See also Section 2403.2(b) for information
      regarding authorized Loan Selling Advisor® users and their designated user roles and completion and submission
      of required forms. (f) Use of a Settlement Cycle of less than five days for Guarantor deliveries For Mortgages
      delivered to Freddie Mac with a Settlement Cycle of less than five days, the Document Custodian must certify
      the Mortgages in Loan Selling Advisor by no later than 8:00 p.m. Eastern time on the Final Delivery Date to
      satisfy the requirements for completion of delivery set forth in Section 6301.4(a). Refer to Section 6301.4(a)(ii)
      for additional requirements.
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-4
  canonical_id: fhlmc-6302.3-4
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: MultiLender Swap program delivery instructions (12/17/25)
    ■ General requirements ■ Purchase tolerance ■ Data delivery instructions ■ Minimum commitment amount ■ Security
    wire instructions ■ Use of a Settlement Cycle of less than five days for MultiLender Swap program (a) General
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: MultiLender Swap program delivery instructions (12/17/25) ■ General requirements ■ Purchase
      tolerance ■ Data delivery instructions ■ Minimum commitment amount ■ Security wire instructions ■ Use of a
      Settlement Cycle of less than five days for MultiLender Swap program (a) General requirements For Mortgages
      sold under the MultiLender Swap program, a contract number (ULDD Data Point “Investor Contract Identifier”)
      will be made available to the Seller immediately upon taking out a MultiLender Swap Contract. For more information,
      see Chapter 6205.
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-5
  canonical_id: fhlmc-6302.3-5
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: 302-12 The Seller must complete delivery of all
    Mortgages on or before the Final Delivery Date as provided in the MultiLender Swap Contract. The Contract Commitment
    Amount specified in the MultiLender Swap Contract must be in an amount at least equal to the minimum commitment
    amo…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: '302-12 The Seller must complete delivery of all Mortgages on or before the Final Delivery
      Date as provided in the MultiLender Swap Contract. The Contract Commitment Amount specified in the MultiLender
      Swap Contract must be in an amount at least equal to the minimum commitment amount specified in Section 6302.4(d).
      (b) Purchase tolerance For MultiLender Swap Contracts, any part of the Contract Commitment Amount specified
      in the MultiLender Swap Contract may be delivered, provided the minimum commitment amount is met. The maximum
      amount that Freddie Mac will purchase is the Contract Commitment Amount specified in the MultiLender Swap
      Contract, plus the greater of $100,000 or 5% of the Contract Commitment Amount. The Seller can increase a
      MultiLender Swap Contract amount up to an amount that does not exceed the remaining balance of the Commitment
      Amount plus the applicable tolerance. (c) Data delivery instructions (i) Mortgages sold under MultiLender
      Swap For Mortgages purchased by Freddie Mac under the MultiLender Swap program, the Seller must deliver the
      following ULDD Data Point: Data Required for Mortgages Sold under MultiLender Swap Sort ID ULDD Data Point
      Valid Value Notes LOAN – Current → Payment Details 385 Loan Acquisition Scheduled UPB Amount The scheduled
      UPB must include reductions for: ■ The principal due in the month of settlement (even if not collected) and
      all prior months ■ The principal portion of any advanced (prepaid) installments received prior to the Settlement
      Date ■ Any partial prepayments (curtailments) received on or before the Delivery Date 440 Last Paid Installment
      Due Date For newly originated Mortgages, enter the date through which interest is scheduled to be paid.'
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-6
  canonical_id: fhlmc-6302.3-6
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: 302-13 Data Required for Mortgages Sold under MultiLender
    Swap Sort ID ULDD Data Point Valid Value Notes For Mortgages for which there has been an advanced (prepaid)
    installment of interest, enter the date through which advanced (prepaid) installments of interest have been
    made. …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: '302-13 Data Required for Mortgages Sold under MultiLender Swap Sort ID ULDD Data Point Valid
      Value Notes For Mortgages for which there has been an advanced (prepaid) installment of interest, enter the
      date through which advanced (prepaid) installments of interest have been made. The related Glossary term is
      DDLPI. → Product Details 368 Investor Feature Identifier J99 For Mortgages sold for Green MBS, enter this
      value to indicate the Mortgage is secured by property with a qualifying Home Energy Rating System (HERS) score
      and/or ENERGY STAR certification, as described in Section 6202.3(f). (ii) Mortgages with lender crediting
      Borrower interest at closing If a lender credits the Borrower interest at closing in an amount equal to the
      interest due from the first day of the month through the day before the Note Date, the Borrower’s first monthly
      principal and interest payment is due the first day of the month immediately following the Mortgage closing.
      For such Mortgages, the Seller represents and warrants that the lender credited the Borrower with interest
      at closing, and the Seller must deliver the following ULDD Data Point: Data Required for Mortgages Sold under
      MultiLender Swap program when Lender Credits Borrower Interest at Closing Sort ID ULDD Data Point Valid Value
      Notes LOAN – Current → Payment Details 440 Last Paid Installment Due Date For fixed-rate Mortgages, enter
      the Note Date or first day of the month of closing. The related Glossary term is DDLPI. (d) Minimum commitment
      amount'
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.3-7
  canonical_id: fhlmc-6302.3-7
  section: Freddie Mac Guide 6302.3
  description: '6302.3 Guarantor program delivery instructions: 302-14 The minimum dollar amount for a commitment
    entered into under the MultiLender Swap program is $1,000. (e) Security wire instructions Security wire instructions
    are required for all MultiLender pools. See Section 2201.1 for information regarding Certificate of Incumbency
    re…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.3 — Guarantor program delivery instructions
      (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: 302-14 The minimum dollar amount for a commitment entered into under the MultiLender Swap program
      is $1,000. (e) Security wire instructions Security wire instructions are required for all MultiLender pools.
      See Section 2201.1 for information regarding Certificate of Incumbency requirements. See Section 6205.3(c)
      for information about security wire instructions. See also Section 2403.2(b) for information regarding authorized
      Loan Selling Advisor® users and their designated user roles and completion and submission of required forms.
      (f) Use of a Settlement Cycle of less than five days for MultiLender Swap program For Mortgages delivered
      to Freddie Mac with a Settlement Cycle of less than five days, the Document Custodian must certify the Mortgages
      in Loan Selling Advisor by no later than 8:00 p.m. Eastern time on the Final Delivery Date to satisfy the
      requirements for completion of delivery set forth in Section 6301.4(a). Refer to Section 6301.4(a)(ii) for
      additional requirements.
    drafter_attestation: Verbatim from Freddie Guide §6302.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
