source:
  type: regulation
  id: fhlmc-4407.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a disaster
    (01/26/26)
  description: "Freddie Mac Guide §4407.1 (Eligibility of properties impacted by a disaster). Gap-fill (verbatim,\
    \ ID-diff). \n"
obligations:
- id: fhlmc-4407.1-0
  canonical_id: fhlmc-4407.1-0
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: (01/26/26) Refer to Bulletin 2025-7, which
    announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform
    Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version
    of this secti…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: '(01/26/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal
      Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD
      3.6 before the mandatory effective November 2, 2026 version of this section. This section contains requirements
      related to: ■ Property eligibility ■ Condition of the Mortgaged Premises (a) Property eligibility The Seller
      represents and warrants that each property securing a Mortgage sold to Freddie Mac meets the property eligibility
      requirements in the Purchase Documents, including, but not limited to, the collateral representation and warranty
      requirements regarding the value, condition and marketability of the Mortgaged Premises in Section 5602.1.
      The Seller must have policies and procedures in place to assess whether there has been any adverse effect
      on the Mortgaged Premises that needs to be addressed before the Mortgage is eligible for delivery to Freddie
      Mac. If the Mortgage is a Condominium Unit Mortgage, the Seller’s assessment should include damage to Condominium
      Project Common Elements, separate from any specific Condominium Unit damage. (b) Condition of the Mortgaged
      Premises For a Mortgage secured by a property impacted by a disaster to be eligible for sale to Freddie Mac:
      ■ The property damage must not have impacted the safety, soundness or structural integrity of the Mortgaged
      Premises ■ The Seller must ensure all damage is documented and is covered by insurance as required in Chapter
      4703 If the property securing the Mortgage has been damaged such that the damage impacts the safety, soundness
      or structural integrity of the Mortgaged Premises, the property is not acceptable as security for the Mortgage,
      and the Mortgage is not eligible for sale to Freddie Mac until all repairs to the property are documented
      and completed.'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-1
  canonical_id: fhlmc-4407.1-1
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: Eligibility of properties impacted by a
    disaster (Future effective date 11/02/26) This section contains requirements related to: ■ Property eligibility
    ■ Condition of the Mortgaged Premises (a) Property eligibility The Seller represents and warrants that each
    property securing a …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: 'Eligibility of properties impacted by a disaster (Future effective date 11/02/26) This section
      contains requirements related to: ■ Property eligibility ■ Condition of the Mortgaged Premises (a) Property
      eligibility The Seller represents and warrants that each property securing a Mortgage sold to Freddie Mac
      meets the property eligibility requirements in the Purchase Documents, including, but not limited to, the
      collateral representation and warranty requirements regarding the value, condition and marketability of the
      Mortgaged Premises in Section 5602.1. The Seller must have policies and procedures in place to assess whether
      there has been any adverse effect on the Mortgaged Premises that needs to be addressed before the Mortgage
      is eligible for delivery to Freddie Mac. If the Mortgage is a Condominium Unit Mortgage, the Seller’s assessment
      should include damage to Condominium Project Common Elements, separate from any specific Condominium Unit
      damage. (b) Condition of the Mortgaged Premises For a Mortgage secured by a property impacted by a disaster
      to be eligible for sale to Freddie Mac: ■ The property damage must not have impacted the soundness or structural
      integrity of the Mortgaged Premises ■ The Seller must ensure all damage is documented and is covered by insurance
      as required in Chapter 4703 If the property securing the Mortgage has been damaged such that the damage impacts
      the soundness or structural integrity of the Mortgaged Premises, the property is not acceptable as security
      for the Mortgage, and the Mortgage is not eligible for sale to Freddie Mac until all repairs to the property
      are documented and completed.'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-2
  canonical_id: fhlmc-4407.1-2
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: Representation and warranty relief for
    automated collateral evaluation (ACE) or ACE+ PDR offers and Loan Collateral Advisor® (02/04/26) For Mortgages
    secured by property in an Eligible Disaster Area, Freddie Mac:'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: 'Representation and warranty relief for automated collateral evaluation (ACE) or ACE+ PDR offers
      and Loan Collateral Advisor® (02/04/26) For Mortgages secured by property in an Eligible Disaster Area, Freddie
      Mac:'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-3
  canonical_id: fhlmc-4407.1-3
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: 407-3 ■ May systematically suspend automated
    collateral evaluation (ACE) and/or ACE+ PDR eligibility and appraised value representation and warranty relief
    eligibility on new Loan Product Advisor® or Loan Collateral Advisor® submissions ■ Will notify Sellers in a
    Guide Bulletin o…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: '407-3 ■ May systematically suspend automated collateral evaluation (ACE) and/or ACE+ PDR eligibility
      and appraised value representation and warranty relief eligibility on new Loan Product Advisor® or Loan Collateral
      Advisor® submissions ■ Will notify Sellers in a Guide Bulletin of the occurrence of any disaster that requires
      a systematic suspension Freddie Mac will monitor market developments within impacted areas and reinstate eligibility
      at its discretion. Note: See Chapter 5602 for eligibility requirements for ACE, ACE+ PDR and Loan Collateral
      Advisor appraised value representation and warranty relief.'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-4
  canonical_id: fhlmc-4407.1-4
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: Age of documentation and Loan Product Advisor®
    submission requirements in Eligible Disaster Areas (02/04/26) This section contains: ■ Collateral valuation
    in an Eligible Disaster Area ■ Special age of credit documentation requirements ■ Special delivery requirements
    (a) Collatera…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: 'Age of documentation and Loan Product Advisor® submission requirements in Eligible Disaster
      Areas (02/04/26) This section contains: ■ Collateral valuation in an Eligible Disaster Area ■ Special age
      of credit documentation requirements ■ Special delivery requirements (a) Collateral valuation in an Eligible
      Disaster Area The following flexibilities apply to Mortgages secured by properties in Eligible Disaster Areas
      and will continue to apply for six months after the disaster declaration date announced by the Federal Emergency
      Management Agency (FEMA): ■ For a Mortgage secured by property in an Eligible Disaster Area, although Section
      5604.3(a)(i) provides otherwise, the effective date of the appraisal report must not be more than 180 days
      before the: ❑ Note Date ❑ Effective Date of Permanent Financing, for Construction to Permanent Mortgages or
      Renovation Mortgages ❑ Modification date, for Seller-Owned Modified Mortgages ❑ Conversion Date, for Seller-Owned
      Converted Mortgages'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-5
  canonical_id: fhlmc-4407.1-5
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: 407-4 ❑Assumption agreement date, if applicable
    ■ For a Mortgage secured by property in an Eligible Disaster Area, although Section 5602.3(f) provides otherwise,
    the Feedback Certificate message that offers the Seller automated collateral evaluation (ACE) is valid for 180
    days, i…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: '407-4 ❑Assumption agreement date, if applicable ■ For a Mortgage secured by property in an
      Eligible Disaster Area, although Section 5602.3(f) provides otherwise, the Feedback Certificate message that
      offers the Seller automated collateral evaluation (ACE) is valid for 180 days, if the Seller does not make
      any loan data changes that invalidate the ACE offer. If the ACE offer on the Feedback Certificate is more
      than 180 days old as of the Note Date, the Seller must resubmit the Mortgage to Loan Product Advisor® to determine
      whether the Mortgage is still eligible for ACE. See Section 5602.3 for maintaining ACE eligibility. ■ For
      a Mortgage secured by property in an Eligible Disaster Area, although Section 5602.4(f) provides otherwise,
      the Feedback Certificate message that offers the Seller ACE+ PDR is valid for 180 days, if the Seller does
      not make any loan data changes that invalidate the ACE+ PDR offer. If the ACE+ PDR offer on the Feedback Certificate
      is more than 180 days old as of the Note Date, the Seller must resubmit the Mortgage to Loan Product Advisor
      to determine whether the Mortgage is still eligible for ACE+ PDR. See Section 5602.4 for maintaining ACE+
      PDR eligibility. ■ For a Freddie Mac Enhanced Relief Refinance® Mortgage secured by property in an Eligible
      Disaster Area, if an HVE® value estimate is systematically suspended for the Mortgaged Premises on resubmission
      to Loan Product Advisor, the Seller may use the HVE value from the original submission (b) Special age of
      credit documentation requirements The following flexibilities apply to Mortgages secured by properties in
      Eligible Disaster Areas and will continue to apply for six months after the disaster declaration date announced
      by FEMA. For a Mortgage secured by property in an Eligible Disaster Area, although Sections 5102.4(a) and
      5203.1(d) provide otherwise: ■ Any required credit and capacity underwriting documentation (including, but
      not limited to, credit reports, verifications of income, employment and sources of funds) must be dated no
      more than 180 days before the: ❑ Note Date'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-6
  canonical_id: fhlmc-4407.1-6
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: 407-5 ❑ Effective Date of Permanent Financing,
    for Construction to Permanent Mortgages and Renovation Mortgages ❑ Modification date, for Seller-Owned Modified
    Mortgages ❑ Conversion Date, for Seller-Owned Converted Mortgages ❑ Assumption agreement date, if applicable
    ■ For Loan P…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: '407-5 ❑ Effective Date of Permanent Financing, for Construction to Permanent Mortgages and
      Renovation Mortgages ❑ Modification date, for Seller-Owned Modified Mortgages ❑ Conversion Date, for Seller-Owned
      Converted Mortgages ❑ Assumption agreement date, if applicable ■ For Loan Product Advisor Mortgages secured
      by property in an Eligible Disaster Area, although Section 5101.1(c) provides otherwise, the Mortgage must
      be submitted to Loan Product Advisor no more than 180 days before, and no later than, the Note Date or, for
      Construction to Permanent Mortgages and Renovation Mortgages, the Effective Date of Permanent Financing. Note:
      Loan Product Advisor will automatically pull a new credit report for submissions or resubmissions more than
      120 days after the date of the credit report used in the previous Loan Product Advisor assessment. ■ The requirements
      for the 10-day pre-closing verification of employment in Section 5302.2 and the verification of the current
      existence of the self-employed Borrower’s business in Section 5304.1(m) continue to apply (c) Special delivery
      requirements The Seller must deliver ULDD Data Point Investor Feature Identifier valid value “H37” when delivering
      a Mortgage using the flexibilities in this Section 4407.3. See Section 6302.44 for special delivery requirements.'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-7
  canonical_id: fhlmc-4407.1-7
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: 408-1 Chapter 4408: Mortgages Made Pursuant
    to Employee Relocation Programs'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: '408-1 Chapter 4408: Mortgages Made Pursuant to Employee Relocation Programs'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-8
  canonical_id: fhlmc-4407.1-8
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: Mortgages made pursuant to employee relocation
    programs (02/04/26) The provisions of this chapter apply to Mortgages made pursuant to an employee relocation
    program. This section contains: ■ Eligibility requirements ■ Ineligible Mortgages ■ Special occupancy requirements
    ■ Specia…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: 'Mortgages made pursuant to employee relocation programs (02/04/26) The provisions of this
      chapter apply to Mortgages made pursuant to an employee relocation program. This section contains: ■ Eligibility
      requirements ■ Ineligible Mortgages ■ Special occupancy requirements ■ Special underwriting requirements ■
      Additional documentation requirements ■ Special pooling and delivery requirements (a) Eligibility requirements
      These Mortgages must be made to a newly hired or transferred employee to finance the purchase of a 1- to 4-unit
      Primary Residence at a new job location pursuant to an employee relocation program that: ■ Establishes the
      terms and conditions under which the employer relocates employees, and ■ Is administered by the employer or
      its agent (b) Ineligible Mortgages The following are ineligible Mortgages: ■ Caution Mortgages ■ Community
      Land Trust Mortgages ■ Government Mortgages ■ Mortgages with capitalized balances as described in Chapter
      4403'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4407.1-9
  canonical_id: fhlmc-4407.1-9
  section: Freddie Mac Guide 4407.1
  description: '4407.1 Eligibility of properties impacted by a disaster: 408-2 ■ Seller-Owned Converted Mortgages
    ■ Seller-Owned Modified Mortgages (c) Special occupancy requirements A Mortgage is considered to be secured
    by a Primary Residence when the Borrower occupies all or part of the Mortgaged Premises as a Primary Residence
    no later than 180 da…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4407.1 — Eligibility of properties impacted by a
      disaster (01/26/26)
    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: '408-2 ■ Seller-Owned Converted Mortgages ■ Seller-Owned Modified Mortgages (c) Special occupancy
      requirements A Mortgage is considered to be secured by a Primary Residence when the Borrower occupies all
      or part of the Mortgaged Premises as a Primary Residence no later than 180 days after the Note Date or the
      Effective Date of Permanent Financing for Construction to Permanent Mortgages and Renovation Mortgages. If
      the occupancy of the Mortgaged Premises is delayed more than 90 days, the Seller must maintain in the Mortgage
      file a signed statement from the Borrower confirming their intent to occupy the property within 180 days of
      the Note Date or the Effective Date of Permanent Financing for Construction to Permanent Mortgages and Renovation
      Mortgages. (d) Special underwriting requirements (i) Underwriting methods The Mortgage must be one of the
      following: ■ An Accept Mortgage ■ A Manually Underwritten Mortgage, if the Mortgage was: ❑ Never submitted
      to Loan Product Advisor® or ❑ Submitted to Loan Product Advisor and did not receive a Risk Class (ii) Establishing
      Borrower credit reputation with foreign credit references for Manually Underwritten Mortgages For Manually
      Underwritten Mortgages, when the Borrower does not have the minimum required number of payment references
      established in the United States as required in Section 5202.1(a)(i), or when the Borrower does not have a
      usable Credit Score, the Seller may determine that the Borrower has established an acceptable credit reputation
      in a foreign country if all of the following apply: ■ The determination is based on a minimum of three Tradelines.
      (Noncredit Payment References established outside of the United States are not eligible.) ■ The Mortgage file
      contains a credit report meeting the requirements of Section 5203.1 and confirming that the Borrower does
      not have a sufficient number of payment references established in the United States (iii)Current Primary Residence
      pending sale'
    drafter_attestation: Verbatim from Freddie Guide §4407.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
