source:
  type: guide
  id: fhlmc-4202.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 4202.3 — Prohibited
    practices and restrictions
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 4202.3 — Prohibited
    practices and restrictions.
  coverage_tier: operative
obligations:
- id: fhlmc-4202.3-full
  canonical_id: fhlmc-4202.3-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 4202.3 — Prohibited
    practices and restrictions
  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 4202.3 — Prohibited
      practices and restrictions
    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: '4202.3: Prohibited practices and restrictions (11/05/25) This
      section contains requirements related to: ■ Credit insurance Freddie Mac Single
      Family Seller/Servicer Guide Chapter 4202 As of 02/04/26 Page 4202-12 ■ Mortgages
      with private transfer fee covenants ■ Mandatory arbitration (a) Credit insurance
      Freddie Mac will not purchase or securitize any Mortgage if the Borrower obtained
      a prepaid single-premium credit-life, credit disability, credit unemployment
      or credit property insurance policy in connection with the origination of the
      Mortgage, regardless of whether the premium was financed in the Mortgage amount
      or paid from the Borrower’s funds. This prohibition does not apply to credit
      insurance products where premiums are calculated, earned and paid on a monthly
      or other regular periodic basis or to prepaid hazard, flood or mortgage insurance
      policies. (b) Mortgages with private transfer fee covenants Mortgages on properties
      encumbered by private transfer fee covenants prohibited by 12 C.F.R. Part 1228
      are ineligible for purchase by Freddie Mac if those covenants were created on
      or after February 8, 2011. In addition, the Seller/Servicer represents and warrants
      that: ■ It has controls in place to ensure that it does not inadvertently deliver
      an ineligible Mortgage to Freddie Mac as described above, and ■ If applicable,
      it has received representations and warranties from any person or entity from
      which the Seller purchased the Mortgage that the property securing the Mortgage
      is not encumbered by private transfer fee covenants created on or after February
      8, 2011 However, private transfer fees are permissible if all of the following
      conditions are met for the Mortgage secured by a property encumbered by a private
      transfer fee: ■ The Mortgage is a shared equity loan ■ The Mortgage meets the
      Duty to Serve shared equity loan program criteria identified in 12 CFR 1282.34(d)(4)
      (other than the Duty to Serve 100% of Area Median Income limit) ■ The Mortgage
      has a Note Date on or after July 1, 2023 (c) Mandatory arbitration Freddie Mac
      will not purchase any Mortgage if any of the Mortgage documents—including the
      Note, any Note addendum, the Security Instrument or any Security Instrument
      rider— contain a “mandatory arbitration” clause (i.e., a clause that obligates
      the Borrower to submit to arbitration any dispute arising out of or relating
      in any way to the Mortgage transaction). Freddie Mac Single Family Seller/Servicer
      Guide Chapter 4202 As of 02/04/26 Page 4202-13 Freddie Mac’s Uniform Instruments
      do not provide for mandatory arbitration, and the addition of a mandatory arbitration
      clause is not an authorized change to the Uniform Instruments. No ancillary
      Mortgage document may contain a mandatory arbitration provision. Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-1
      Chapter 4203: Loan-to-Value (LTV), Total LTV (TLTV) and Home Equity Line of
      Credit (HELOC) TLTV (HTLTV) Ratios and Maximum Loan Amounts 4203.1: Loan-to-value
      (LTV), total LTV (TLTV) and Home Equity Line of Credit (HELOC) TLTV (HTLTV)
      ratios and maximum loan amounts (03/03/26) Effective for Mortgages with Application
      Received Dates on or after March 3, 2026. This section contains requirements
      related to: ■ Calculating loan-to-value (LTV), total LTV (TLTV) and Home Equity
      Line of Credit (HELOC) TLTV (HTLTV) ratios ■ Maximum LTV, TLTV and HTLTV ratios
      ■ Maximum original loan amounts (a) Calculating LTV, TLTV and HTLTV ratios Ratios
      are calculated using the total amount of outstanding liens and “value”, as described
      in this section. (i) Determining “value” (A) For purposes of calculating LTV,
      TLTV and HTLTV ratios For purposes of calculating LTV, TLTV and HTLTV ratios,
      “value” is determined as follows: Determining “value” Mortgage offering or characteristic
      “Value” is… Purchase transaction Mortgages The lesser of the appraised value
      of the Mortgaged Premises as of the appraisal report Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-2 Determining “value”
      Mortgage offering or characteristic “Value” is… effective date and the purchase
      price of the Mortgaged Premises. Note: For newly constructed homes, multiple
      contracts may be combined to determine the purchase price (e.g., the purchase
      contract for the house and a contract to install a swimming pool may be added
      together to establish the purchase price). Refinance Mortgages The appraised
      value of the Mortgaged Premises as of the appraisal report effective date Community
      Land Trust Mortgages As described in Section 4502.5 Mortgages secured by properties
      subject to resale restrictions As described in Section 4406.5 One-Time Construction
      to Permanent Mortgages and Renovation Mortgages As described in Section 4602.2
      for One-Time Close transactions Two-Time Close Construction to Permanent Mortgages
      and Renovation Mortgages The appraised value of the Mortgaged Premises, as completed,
      as of the appraisal report effective date CHOICERenovation® Mortgages As described
      in Section 4607.4 GreenCHOICE Mortgages® As described in Section 4606.2 Freddie
      Mac Enhanced Relief Refinance® Mortgages As described in Section 4304.7 (B)
      For Mortgaged Premises located in the State of New York Solely for the purpose
      of determining whether mortgage insurance is required or should be canceled,
      for Loan Product Advisor® and Non-Loan Product Advisor Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-3 Mortgages, the
      “value” of the Mortgaged Premises located in the State of New York is the appraised
      value of the Mortgage Premises on the Note Date. For purchase transaction Cooperative
      Share Loans, solely for the purpose of determining whether mortgage insurance
      is required, the sales price of the Cooperative Interest may be used. If mortgage
      insurance is required, see Section 4701.5. (This definition of the value of
      the Mortgaged Premises located in the State of New York applies only to the
      above-stated mortgage insurance requirements and is not applicable for any other
      purposes under the terms of the Purchase Documents.) Refer to Chapter 4701 for
      mortgage insurance requirements. (ii) Calculation of LTV, TLTV and HTLTV ratios
      for Loan Product Advisor Mortgages Loan Product Advisor calculates the LTV,
      TLTV and HTLTV ratios based on data submitted by the Seller. Note: For certain
      Loan Product Advisor Mortgage transactions, Freddie Mac may accept the “value”
      to be the Seller-provided estimate of value or the purchase price as the basis
      for the Loan Product Advisor assessment of the Mortgage. Refer to Section 5602.3
      and 5602.4 for more information on automated collateral evaluation (ACE) and
      ACE+ PDR, respectively. (iii) Calculation of LTV, TLTV and HTLTV ratios for
      Non-Loan Product Advisor Mortgages Calculation of LTV, TLTV and HTLTV ratios
      for Non-Loan Product Advisor Mortgages Ratio Calculation LTV Divide the First
      Lien Mortgage amount by “value” determined as described above. TLTV Divide the
      sum of the First Lien Mortgage amount and the disbursed amount of any secondary
      financing (including HELOCs) by “value” determined as described above. HTLTV
      Divide the sum of the First Lien Mortgage amount and the total HELOC credit
      line limit and any other secondary financing by “value” determined as described
      above. Freddie Mac Single-Family Seller/Servicer Guide Chapter 4203 As of 05/06/26
      Page 4203-4 (b) Maximum LTV, TLTV and HTLTV ratios (i) Rounding requirements
      To determine whether a Mortgage complies with the maximum LTV, TLTV and HTLTV
      ratio requirements, the calculated ratio must be rounded up to the next whole
      number. For example, 94.01% must be rounded up to 95%. At delivery, Freddie
      Mac will calculate the LTV, TLTV and HTLTV ratios for each Mortgage based on
      data delivered by the Seller. Each ratio will be calculated to two decimal places,
      and the result will be rounded up to the next whole number. (ii) Maximum LTV,
      TLTV and HTLTV ratios Except as stated in (b)(iii) below, the maximum LTV, TLTV
      and HTLTV ratios are: Purchase and “no cash-out” refinance Mortgages (fixed-rate
      and ARMs) Property type Maximum LTV/TLTV/HTLTV ratio Accept Mortgages, excluding
      super conforming Mortgages Manually Underwritten Mortgages and super conforming
      Mortgages 1-unit Primary Residence 95% 95% 2-unit Primary Residence 95% 85%
      3- and 4-unit Primary Residences 95% 80% Second home 90% 90% 1-unit Investment
      Property 85% 85% 2- to 4-unit Investment Property 75% 75% Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-5 Cash-out refinance
      Mortgages (fixed-rate and ARMs) Property type Maximum LTV/TLTV/HTLTV ratio Accept
      Mortgages and Manually Underwritten Mortgages; all eligible loan amounts 1-unit
      Primary Residence 80% 2- to 4-unit Primary Residence 75% Second home 75% 1-unit
      Investment Property 75% 2- to 4-unit Investment Property 70% (iii) LTV, TLTV
      and HTLTV ratios for certain Mortgages The maximum LTV, TLTV and HTLTV ratios
      for the following Mortgages may differ from the maximum ratios identified above;
      additional information can be found in the following sections: Maximum LTV,
      TLTV and HTLTV ratios for certain Mortgages Mortgage offering or characteristic
      Guide reference Community Land Trust Mortgages Section 4502.5 Freddie Mac Enhanced
      Relief Refinance Mortgages Section 4304.3 HeritageOne® Mortgages Section 4504.6
      Home Possible® Mortgages Section 4501.7 HomeOne® Mortgages Section 4605.1 Mortgages
      secured by a Manufactured Home Section 5703.8(a) Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4203 As of 05/06/26 Page 4203-6 Maximum LTV, TLTV and HTLTV ratios
      for certain Mortgages Mortgage offering or characteristic Guide reference Mortgages
      that use a streamlined project review Section 5701.4 Mortgages to Borrowers
      with a credit history that includes a previous Mortgage foreclosure, a conveyance
      of a deed-in- lieu of foreclosure or a short sale Section 5202.1(d) Refi Possible®
      Mortgages Section 4302.5 (c) Maximum original loan amounts The following maximum
      original loan amounts* apply to Home Mortgages with Funding Dates or Settlement
      Dates on or after January 1, 2026. Except for the Mortgage offerings and characteristics
      identified in the table below, the loan amount used to determine compliance
      with the original loan amount limits is the original loan amount: Maximum original
      loan amounts Number of units Property in the contiguous 48 States, the District
      of Columbia or Puerto Rico Property in Alaska, Guam, Hawaii or U.S. Virgin Islands
      1 $832,750 $1,249,125 2 $1,066,250 $1,599,375 3 $1,288,800 $1,933,200 4 $1,601,750
      $2,402,625 *Mortgages with higher loan amounts may be eligible for sale if they
      meet the requirements of Chapter 4603. The following table identifies, for each
      Mortgage offering or characteristic listed, the loan amount to be used to determine
      compliance with the original loan amount limits: Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4203 As of 05/06/26 Page 4203-7 Determining compliance with the
      original loan amount limits Mortgage offering or characteristic Loan amount
      to be used to determine compliance with maximum loan amounts Seller-Owned Modified
      Mortgages (as described in Chapter 4402 and Section 6302.27) The loan amount
      of the Mortgage as stated in the original Note Seller-Owned Converted Mortgages
      (as described in Chapter 4402 and Section 6302.19) The loan amount of the Mortgage
      as stated in the ARM Note One-Time Close with automatic conversion Construction
      to Permanent Mortgages and Renovation Mortgages (as described in Sections 4602.2(b)
      and 6302.28) The loan amount of the Mortgage stated in the Note One-Time Close
      with modification agreement Construction to Permanent Mortgages and Renovation
      Mortgages (as described in Sections 4602.2(c) and 6302.28) The higher of: ■
      The loan amount of the Mortgage stated in the Note prior to the modification
      executed at Interim Construction Financing or ■ The loan amount of the Permanent
      Financing as stated in the Construction to Permanent Modification Agreement
      Two-Time Close Construction to Permanent Mortgages and Renovation Mortgages
      (as described in Sections 4602.3(a) and 6302.28) The loan amount of the Mortgage
      as stated in the Note for the Permanent Financing Mortgages with future advances
      made before the Delivery Date consolidated with the outstanding principal amount
      (as described in Section 4101.10(a)) The loan amount of the Mortgage as stated
      in the original Note (which must be equal to or greater than the consolidated
      principal amount) Freddie Mac Single-Family Seller/Servicer Guide Chapter 4203
      As of 05/06/26 Page 4203-8 Determining compliance with the original loan amount
      limits Mortgage offering or characteristic Loan amount to be used to determine
      compliance with maximum loan amounts Mortgages with a principal curtailment
      made before the Delivery Date (as described in Section 6302.32) The loan amount
      of the Mortgage as stated in the Note Mortgages with financed mortgage insurance
      premiums (as described in Section 4701.2) The loan amount of the Mortgage as
      stated in the Note (which includes the financed mortgage insurance premium)
      Note: For the Mortgage offerings and characteristics listed in the table above,
      the loan amount used to determine compliance with the maximum loan amount limits
      may be different from the amount delivered in the ULDD Data Point Note Amount
      and from the amount used to calculate the LTV ratio. Refer to Chapter 6302 for
      delivery instructions. 4203.1: Loan-to-value (LTV), total LTV (TLTV) and Home
      Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and maximum loan amounts (Future
      effective date 08/03/26) Effective for Mortgages with Application Received Dates
      on or after August 3, 2026. This section contains requirements related to: ■
      Calculating loan-to-value (LTV), total LTV (TLTV) and Home Equity Line of Credit
      (HELOC) TLTV (HTLTV) ratios ■ Maximum LTV, TLTV and HTLTV ratios ■ Maximum original
      loan amounts (a) Calculating LTV, TLTV and HTLTV ratios Ratios are calculated
      using the total amount of outstanding liens and “value”, as described in this
      section. Freddie Mac Single-Family Seller/Servicer Guide Chapter 4203 As of
      05/06/26 Page 4203-9 (i) Determining “value” (A) For purposes of calculating
      LTV, TLTV and HTLTV ratios For purposes of calculating LTV, TLTV and HTLTV ratios,
      “value” is determined as follows: Determining “value” Mortgage offering or characteristic
      “Value” is… Purchase transaction Mortgages The lesser of the appraised value
      of the Mortgaged Premises as of the appraisal report effective date and the
      purchase price of the Mortgaged Premises. Note: For newly constructed homes,
      multiple contracts may be combined to determine the purchase price (e.g., the
      purchase contract for the house and a contract to install a swimming pool may
      be added together to establish the purchase price). Refinance Mortgages The
      appraised value of the Mortgaged Premises as of the appraisal report effective
      date Community Land Trust Mortgages As described in Section 4502.5 Mortgages
      secured by properties subject to resale restrictions As described in Section
      4406.5 One-Time Construction to Permanent Mortgages and Renovation Mortgages
      As described in Section 4602.2 for One-Time Close transactions Two-Time Close
      Construction to Permanent Mortgages and Renovation Mortgages The appraised value
      of the Mortgaged Premises, as completed, as of the appraisal report effective
      date CHOICERenovation® Mortgages As described in Section 4607.4 Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-10
      Determining “value” Mortgage offering or characteristic “Value” is… GreenCHOICE
      Mortgages® As described in Section 4606.2 Freddie Mac Enhanced Relief Refinance®
      Mortgages As described in Section 4304.7 (B) For Mortgaged Premises located
      in the State of New York Solely for the purpose of determining whether mortgage
      insurance is required or should be canceled, for Loan Product Advisor® and Non-Loan
      Product Advisor Mortgages, the “value” of the Mortgaged Premises located in
      the State of New York is the appraised value of the Mortgage Premises on the
      Note Date. For purchase transaction Cooperative Share Loans, solely for the
      purpose of determining whether mortgage insurance is required, the sales price
      of the Cooperative Interest may be used. If mortgage insurance is required,
      see Section 4701.5. (This definition of the value of the Mortgaged Premises
      located in the State of New York applies only to the above-stated mortgage insurance
      requirements and is not applicable for any other purposes under the terms of
      the Purchase Documents.) Refer to Chapter 4701 for mortgage insurance requirements.
      (ii) Calculation of LTV, TLTV and HTLTV ratios for Loan Product Advisor Mortgages
      Loan Product Advisor calculates the LTV, TLTV and HTLTV ratios based on data
      submitted by the Seller. Note: For certain Loan Product Advisor Mortgage transactions,
      Freddie Mac may accept the “value” to be the Seller-provided estimate of value
      or the purchase price as the basis for the Loan Product Advisor assessment of
      the Mortgage. Refer to Section 5602.3 and 5602.4 for more information on automated
      collateral evaluation (ACE) and ACE+ PDR, respectively. Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-11 (iii) Calculation
      of LTV, TLTV and HTLTV ratios for Non-Loan Product Advisor Mortgages Calculation
      of LTV, TLTV and HTLTV ratios for Non-Loan Product Advisor Mortgages Ratio Calculation
      LTV Divide the First Lien Mortgage amount by “value” determined as described
      above. TLTV Divide the sum of the First Lien Mortgage amount and the disbursed
      amount of any secondary financing (including HELOCs) by “value” determined as
      described above. HTLTV Divide the sum of the First Lien Mortgage amount and
      the total HELOC credit line limit and any other secondary financing by “value”
      determined as described above. (b) Maximum LTV, TLTV and HTLTV ratios (i) Rounding
      requirements To determine whether a Mortgage complies with the maximum LTV,
      TLTV and HTLTV ratio requirements, the calculated ratio must be rounded up to
      the next whole number. For example, 94.01% must be rounded up to 95%. At delivery,
      Freddie Mac will calculate the LTV, TLTV and HTLTV ratios for each Mortgage
      based on data delivered by the Seller. Each ratio will be calculated to two
      decimal places, and the result will be rounded up to the next whole number.
      (ii) Maximum LTV, TLTV and HTLTV ratios Except as stated in (b)(iii) below,
      the maximum LTV, TLTV and HTLTV ratios are: Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4203 As of 05/06/26 Page 4203-12 Purchase and “no cash-out” refinance
      Mortgages (fixed-rate and ARMs) Property type Maximum LTV/TLTV/HTLTV ratio Accept
      Mortgages, excluding super conforming Mortgages Manually Underwritten Mortgages
      and super conforming Mortgages 1-unit Primary Residence 95% 95% 2-unit Primary
      Residence 95% 85% 3- and 4-unit Primary Residences 95% 80% Second home 90% 90%
      1-unit Investment Property 85% 85% 2- to 4-unit Investment Property 75% 75%
      Cash-out refinance Mortgages (fixed-rate and ARMs) Property type Maximum LTV/TLTV/HTLTV
      ratio Accept Mortgages and Manually Underwritten Mortgages; all eligible loan
      amounts 1-unit Primary Residence 80% 2- to 4-unit Primary Residence 75% Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-13
      Cash-out refinance Mortgages (fixed-rate and ARMs) Property type Maximum LTV/TLTV/HTLTV
      ratio Accept Mortgages and Manually Underwritten Mortgages; all eligible loan
      amounts Second home 75% 1-unit Investment Property 75% 2- to 4-unit Investment
      Property 70% (iii) LTV, TLTV and HTLTV ratios for certain Mortgages The maximum
      LTV, TLTV and HTLTV ratios for the following Mortgages may differ from the maximum
      ratios identified above; additional information can be found in the following
      sections: Maximum LTV, TLTV and HTLTV ratios for certain Mortgages Mortgage
      offering or characteristic Guide reference Community Land Trust Mortgages Section
      4502.5 Freddie Mac Enhanced Relief Refinance Mortgages Section 4304.3 HeritageOne®
      Mortgages Section 4504.6 Home Possible® Mortgages Section 4501.7 HomeOne® Mortgages
      Section 4605.1 Mortgages secured by a Manufactured Home Section 5703.8(a) Mortgages
      to Borrowers with a credit history that includes a previous Mortgage foreclosure,
      a conveyance of a deed-in- lieu of foreclosure or a short sale Section 5202.1(d)
      Refi Possible® Mortgages Section 4302.5 Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4203 As of 05/06/26 Page 4203-14 (c) Maximum original loan amounts
      The following maximum original loan amounts* apply to Home Mortgages with Funding
      Dates or Settlement Dates on or after January 1, 2026. Except for the Mortgage
      offerings and characteristics identified in the table below, the loan amount
      used to determine compliance with the original loan amount limits is the original
      loan amount: Maximum original loan amounts Number of units Property in the contiguous
      48 States, the District of Columbia or Puerto Rico Property in Alaska, Guam,
      Hawaii or U.S. Virgin Islands 1 $832,750 $1,249,125 2 $1,066,250 $1,599,375
      3 $1,288,800 $1,933,200 4 $1,601,750 $2,402,625 *Mortgages with higher loan
      amounts may be eligible for sale if they meet the requirements of Chapter 4603.
      The following table identifies, for each Mortgage offering or characteristic
      listed, the loan amount to be used to determine compliance with the original
      loan amount limits: Determining compliance with the original loan amount limits
      Mortgage offering or characteristic Loan amount to be used to determine compliance
      with maximum loan amounts Seller-Owned Modified Mortgages (as described in Chapter
      4402 and Section 6302.27) The loan amount of the Mortgage as stated in the original
      Note Seller-Owned Converted Mortgages (as described in Chapter 4402 and Section
      6302.19) The loan amount of the Mortgage as stated in the ARM Note Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 4203 As of 05/06/26 Page 4203-15
      Determining compliance with the original loan amount limits Mortgage offering
      or characteristic Loan amount to be used to determine compliance with maximum
      loan amounts One-Time Close with automatic conversion Construction to Permanent
      Mortgages and Renovation Mortgages (as described in Sections 4602.2(b) and 6302.28)
      The loan amount of the Mortgage stated in the Note One-Time Close with modification
      agreement Construction to Permanent Mortgages and Renovation Mortgages (as described
      in Sections 4602.2(c) and 6302.28) The higher of: ■ The loan amount of the Mortgage
      stated in the Note prior to the modification executed at Interim Construction
      Financing or ■ The loan amount of the Permanent Financing as stated in the Construction
      to Permanent Modification Agreement Two-Time Close Construction to Permanent
      Mortgages and Renovation Mortgages (as described in Sections 4602.3(a) and 6302.28)
      The loan amount of the Mortgage as stated in the Note for the Permanent Financing
      Mortgages with future advances made before the Delivery Date consolidated with
      the outstanding principal amount (as described in Section 4101.10(a)) The loan
      amount of the Mortgage as stated in the original Note (which must be equal to
      or greater than the consolidated principal amount) Mortgages with a principal
      curtailment made before the Delivery Date (as described in Section 6302.32)
      The loan amount of the Mortgage as stated in the Note Mortgages with financed
      mortgage insurance premiums (as described in Section 4701.2) The loan amount
      of the Mortgage as stated in the Note (which includes the financed mortgage
      insurance premium) Note: For the Mortgage offerings and characteristics listed
      in the table above, the loan amount used to determine compliance with the maximum
      loan amount limits may be Freddie Mac Single-Family Seller/Servicer Guide Chapter
      4203 As of 05/06/26 Page 4203-16 different from the amount delivered in the
      ULDD Data Point Note Amount and from the amount used to calculate the LTV ratio.
      Refer to Chapter 6302 for delivery instructions. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4204 As of 04/12/26 Page 4204-1 Chapter 4204: Secondary Financing
      and Other Financing Arrangements'
  judgment: false
