source:
  type: regulation
  id: fhlmc-5703.12
  authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
  description: "Freddie Mac Guide §5703.12 (Mortgages secured by a CHOICEHome®). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-5703.12-0
  canonical_id: fhlmc-5703.12-0
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: (04/01/26) 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 §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '(04/01/26) 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. CHOICEHome® is a type of Manufactured
      Home with aesthetics, architectural elements and dwelling specifications that exceed the minimum standards
      required for HUD-coded manufactured homes. These factory-built properties have features comparable to conventional,
      site-built properties. This section contains: ■ Purchase of Mortgages secured by CHOICEHomes ■ Construction
      elements for CHOICEHomes ■ Loan purpose and occupancy ■ Eligible and ineligible Mortgages secured by CHOICEHomes
      ■ Appraisal requirements for Mortgages secured by a CHOICEHome ■ Underwriting requirements for Mortgages secured
      by a CHOICEHome ■ Maximum loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV (HTLTV)
      ratios and value calculation for Mortgages secured by a CHOICEHome ■ Use of proceeds for Mortgages secured
      by a CHOICEHome ■ Mortgage insurance for Mortgages secured by a CHOICEHome (a) Purchase of Mortgages secured
      by CHOICEHomes The Seller must verify that the subject property meets CHOICEHome property eligibility requirements.
      This includes obtaining an appraisal report and, when required, a final inspection that evidences the presence
      of the CHOICEHome element requirements and the following: ■ The Freddie Mac CHOICEHome notice or the Fannie
      Mae MH Advantage® Sticker, labels that certify the Manufactured Home meets certain CHOICEHome or MH Advantage
      construction elements, located in proximity to the HUD Data Plate ■ For a new CHOICEHome, both the HUD Data
      Plate and the HUD Certification Label(s)'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-1
  canonical_id: fhlmc-5703.12-1
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-42 ■ For an existing CHOICEHome, the HUD Data Plate
    or the HUD Certification Label(s). If neither the HUD Data Plate nor the HUD Certification Label(s) are present
    or legible, Freddie Mac will accept the alternative documentation described in Section 5703.2. The presence
    of a…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-42 ■ For an existing CHOICEHome, the HUD Data Plate or the HUD Certification Label(s).
      If neither the HUD Data Plate nor the HUD Certification Label(s) are present or legible, Freddie Mac will
      accept the alternative documentation described in Section 5703.2. The presence of a CHOICEHome notice only
      certifies a dwelling was manufactured to the CHOICEHome specifications that were in place as of its manufacture
      date and does not guarantee eligibility as a CHOICEHome. (b) Construction elements for CHOICEHomes CHOICEHomes
      must meet the Manufactured Home general requirements in Section 5703.2 and property and occupancy requirements
      in Section 5703.3, except as otherwise indicated by specific CHOICEHome construction elements below. (i) Foundation
      The permanent foundation must comply with the following requirements: ■ Meet HUD’s Permanent Foundation Guide
      for Manufactured Housing ■ Be engineer designed and certified for the specific dwelling and site; and ■ Include
      a perimeter mortared masonry blocking wall set on a poured perimeter footer (ii) Elevation (A) Design The
      elevation design must follow these requirements: ■ Be a low-profile/residential set finished floor set ■ Not
      exceed 30 inches from the bottom of the first-floor joist to the exterior grade for the front or entry Site
      topography or other considerations may affect actual placement and will not disqualify the property from its
      CHOICEHome classification (B) Features In addition to the elevation design requirements described in Section
      5703.12(b)(ii)(A) above, for multi-wide properties, the Manufactured Home must include one of the following
      feature pairings: ■ Dormer(s) and covered porch (minimum 72 sq. ft.)'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-2
  canonical_id: fhlmc-5703.12-2
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-43 ■ Dormer(s) and attached/detached carport/garage
    with space to accommodate one or two cars. The materials and finishes must be at least equivalent to the primary
    structure. ■ Covered porch (minimum 72 sq. ft.) and attached/detached carport/garage with space to accommodate
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-43 ■ Dormer(s) and attached/detached carport/garage with space to accommodate one or two
      cars. The materials and finishes must be at least equivalent to the primary structure. ■ Covered porch (minimum
      72 sq. ft.) and attached/detached carport/garage with space to accommodate one or two cars. The materials
      and finishes must be at least equivalent to the primary structure. In addition to the elevation design requirements
      described in Section 5703.12(b)(ii)(A) above, for single-wide properties, the Manufactured Home must include
      both of the following feature pairings: ■ Covered porch (minimum 72 sq. ft.), and ■ Attached carport/garage
      with space to accommodate one or two cars. The materials and finishes must be at least equivalent to the primary
      structure. (c) Loan purpose and occupancy A Mortgage secured by a CHOICEHome must be either a purchase transaction
      Mortgage or “no cash-out” refinance Mortgage secured by a 1-unit Primary Residence. (d) Eligible and ineligible
      Mortgages secured by CHOICEHomes (i) Eligible Mortgages Mortgages secured by a CHOICEHome must be: ■ Fixed-rate
      Mortgages; or ■ 5/6-Month, 7/6-Month or 10/6-Month ARMs Home Possible® Mortgages, HomeOne® Mortgages and HeritageOne®
      Mortgages must be fixed-rate Mortgages. (ii) Ineligible Mortgages Mortgages secured by a CHOICEHome must not
      be: ■ Seller-Owned Converted Mortgages ■ Seller-Owned Modified Mortgages ■ Super conforming Mortgages'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-3
  canonical_id: fhlmc-5703.12-3
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-44 (e) Appraisal requirements for Mortgages secured
    by a CHOICEHome Each Mortgage secured by a CHOICEHome requires an appraisal report completed on Form 70B, Manufactured
    Home Appraisal Report. The appraisal report must reflect an opinion of value based on the real property a…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-44 (e) Appraisal requirements for Mortgages secured by a CHOICEHome Each Mortgage secured
      by a CHOICEHome requires an appraisal report completed on Form 70B, Manufactured Home Appraisal Report. The
      appraisal report must reflect an opinion of value based on the real property as completed, consisting of the
      CHOICEHome, all site improvements and the land on which the property is situated. The appraisal report must
      include photos of the following: ■ The CHOICEHome notice or MH Advantage Sticker, as applicable ■ The HUD
      Data Plate and HUD Certification Label(s) as follows: ❑ For a new CHOICEHome, both the HUD Data Plate and
      the HUD Certification Label(s) must be present and legible ❑ For an existing CHOICEHome, the HUD Data Plate
      or the HUD Certification Label(s) are acceptable. When both are present, the appraiser must include both.
      ■ The property and site features, including dormers, porches, garages, carports and any other attached or
      detached structures The appraisal report must comply with the sales comparison approach requirements outlined
      in Section 5605.6, and the appraisal report should contain at least one comparable CHOICEHome sale. If none
      are available, the appraisal report may contain site-built homes as comparable sales. Traditional HUD-coded
      Manufactured Homes are not required as comparable sales. However, if used, the appraisal report must include
      an explanation that supports its use as a comparable sale(s) considering CHOICEHome’s elements and specifications.
      (f) Underwriting requirements for Mortgages secured by a CHOICEHome A Mortgage secured by a CHOICEHome must
      be an Accept Mortgage.'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-4
  canonical_id: fhlmc-5703.12-4
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-45 The Seller must select the following in Loan
    Product Advisor®: Data required for Mortgages secured by a CHOICEHome Loan Product Advisor unique ID Loan Product
    Advisor data point Valid values 52.00 Attachment Type Detached 55.00 Construction Method Type Manufactured 46.00
    M…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-45 The Seller must select the following in Loan Product Advisor®: Data required for Mortgages
      secured by a CHOICEHome Loan Product Advisor unique ID Loan Product Advisor data point Valid values 52.00
      Attachment Type Detached 55.00 Construction Method Type Manufactured 46.00 Manufactured Home Width Type ■
      MultiWide ■ SingleWide 178.00 Loan Program Identifier CHOICEHome A Mortgage secured by a CHOICEHome is not
      eligible for automated collateral evaluation (ACE) or ACE+ PDR. The Seller must not accept an offer from Loan
      Product Advisor stating ACE or ACE+ PDR is acceptable. (g) Maximum LTV/TLTV/HTLTV ratios and value calculation
      for Mortgages secured by a CHOICEHome The maximum LTV/TLTV/HTLTV ratios and determination of value for Mortgages
      secured by a CHOICEHome are as follows: (i) Maximum LTV/TLTV/HTLTV ratios Maximum LTV/TLTV/HTLTV ratio Fixed-rate
      Mortgages All Mortgages except Home Possible, HomeOne and HeritageOne Mortgages 95/95/95% ■ Home Possible
      Mortgages ■ HomeOne Mortgages ■ HeritageOne Mortgages 97/97/97% ■ Home Possible Mortgages with an Affordable
      Second® ■ HomeOne Mortgages with an Affordable Second 97/105/97%'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-5
  canonical_id: fhlmc-5703.12-5
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-46 Maximum LTV/TLTV/HTLTV ratio ■ HeritageOne Mortgages
    with an Affordable Second ARMs All Mortgages* 95/95/95% *Pursuant to Section 5703.12(d)(i), Home Possible Mortgages,
    HomeOne Mortgages and HeritageOne Mortgages must be fixed-rate Mortgages. (ii) Calculation of value The…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-46 Maximum LTV/TLTV/HTLTV ratio ■ HeritageOne Mortgages with an Affordable Second ARMs
      All Mortgages* 95/95/95% *Pursuant to Section 5703.12(d)(i), Home Possible Mortgages, HomeOne Mortgages and
      HeritageOne Mortgages must be fixed-rate Mortgages. (ii) Calculation of value The value used to determine
      the LTV/TLTV/HTLTV ratios of Mortgages secured by CHOICEHomes is calculated as follows: Determining value
      for LTV/TLTV/HTLTV ratios Transaction type Value Purchase transaction Mortgage The lower of: ■ The purchase
      price of the CHOICEHome and purchase price of the land; or ■ The current appraised value of the CHOICEHome
      and land “No cash-out” refinance Mortgages The current appraised value of the CHOICEHome and land (h) Use
      of proceeds for Mortgages secured by a CHOICEHome The following table specifies the allowable use of proceeds
      by transaction type: Allowable use of proceeds for Mortgages secured by a CHOICEHome Transaction type Use
      of proceeds Other requirements Purchase transaction Mortgages Limited to: ■ Purchasing the CHOICEHome ■ Credits
      for wheels and axles and any Manufactured Home retailer rebates must'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-6
  canonical_id: fhlmc-5703.12-6
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-47 Allowable use of proceeds for Mortgages secured
    by a CHOICEHome Transaction type Use of proceeds Other requirements ■ Purchasing the land when the Borrower
    does not separately own the land ■ Paying documented costs for delivery and setup, anchoring on a permanent
    foundatio…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-47 Allowable use of proceeds for Mortgages secured by a CHOICEHome Transaction type Use
      of proceeds Other requirements ■ Purchasing the land when the Borrower does not separately own the land ■
      Paying documented costs for delivery and setup, anchoring on a permanent foundation system, site development,
      installation and permanent utility connections, including well and/or septic systems be deducted from the
      purchase price ■ Sales concessions as described in Section 5501.6(c) and other costs, including financing
      of any forms of insurance except for mortgage insurance, may not be used in the purchase price “No cash-out”
      refinance Mortgage Limited to: ■ Paying off the principal and interest due, including a balance deferred under
      a loss mitigation plan, for the existing first Mortgage ■ Pay off or pay down any junior lien(s) secured by
      the CHOICEHome and/or the land that was used in their entirety to acquire the subject property. Any remaining
      balance must be subordinated to the refinance Mortgage. ■ Paying off any costs or fees associated with the
      satisfaction and release of the first Mortgage (e.g., late fees, prepayment penalties) ■ Paying related Closing
      Costs ■ Disbursing cash to the Borrower (or any other payee) up to the greater of 1% of the new refinance
      Mortgage or $2,000 None'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-7
  canonical_id: fhlmc-5703.12-7
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-48 Allowable use of proceeds for Mortgages secured
    by a CHOICEHome Transaction type Use of proceeds Other requirements ■ Paying any required share of appreciation
    due to the subsidy provider per the resale restricted covenants (i) Mortgage insurance for Mortgages secured
    by a…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: 703-48 Allowable use of proceeds for Mortgages secured by a CHOICEHome Transaction type Use
      of proceeds Other requirements ■ Paying any required share of appreciation due to the subsidy provider per
      the resale restricted covenants (i) Mortgage insurance for Mortgages secured by a CHOICEHome A Mortgage secured
      by a CHOICEHome originated under this Section 5703.12 with an LTV ratio greater than 95% but less than or
      equal to 97% is eligible for mortgage insurance under Section 4701.1. The Seller must verify that the mortgage
      insurance will cover a Mortgage secured by a CHOICEHome with an LTV ratio greater than 95% before submitting
      such mortgage insurance.
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-8
  canonical_id: fhlmc-5703.12-8
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: Mortgages secured by a CHOICEHome® (Future effective
    date 06/04/26) 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 m…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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 secured by a CHOICEHome® (Future effective date 06/04/26) 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. CHOICEHome® is a type of Manufactured Home with aesthetics, architectural
      elements and dwelling specifications that exceed the minimum standards required for HUD-coded manufactured
      homes. These factory-built properties have features comparable to conventional, site-built properties. This
      section contains: ■ Purchase of Mortgages secured by CHOICEHomes ■ Construction elements for CHOICEHomes ■
      Loan purpose and occupancy ■ Eligible and ineligible Mortgages secured by CHOICEHomes ■ Appraisal requirements
      for Mortgages secured by a CHOICEHome ■ Underwriting requirements for Mortgages secured by a CHOICEHome'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.12-9
  canonical_id: fhlmc-5703.12-9
  section: Freddie Mac Guide 5703.12
  description: '5703.12 Mortgages secured by a CHOICEHome®: 703-49 ■ Maximum loan-to-value (LTV)/total LTV (TLTV)/Home
    Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and value calculation for Mortgages secured by a CHOICEHome
    ■ Use of proceeds for Mortgages secured by a CHOICEHome ■ Mortgage insurance for Mortgages secured by a CHOICEH…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.12 — Mortgages secured by a CHOICEHome® (04/01/26)
    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: '703-49 ■ Maximum loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit (HELOC) TLTV
      (HTLTV) ratios and value calculation for Mortgages secured by a CHOICEHome ■ Use of proceeds for Mortgages
      secured by a CHOICEHome ■ Mortgage insurance for Mortgages secured by a CHOICEHome (a) Purchase of Mortgages
      secured by CHOICEHomes The Seller must verify that the subject property meets CHOICEHome property eligibility
      requirements. This includes obtaining an appraisal report and, when required, a final inspection that evidences
      the presence of the CHOICEHome element requirements and the following: ■ The Freddie Mac CHOICEHome notice
      or the Fannie Mae MH Advantage® Sticker, labels that certify the Manufactured Home meets certain CHOICEHome
      or MH Advantage construction elements, located in proximity to the HUD Data Plate ■ For a new CHOICEHome,
      both the HUD Data Plate and the HUD Certification Label(s) ■ For an existing CHOICEHome, the HUD Data Plate
      or the HUD Certification Label(s). If neither the HUD Data Plate nor the HUD Certification Label(s) are present
      or legible, Freddie Mac will accept the alternative documentation described in Section 5703.2. The presence
      of a CHOICEHome notice only certifies a dwelling was manufactured to the CHOICEHome specifications that were
      in place as of its manufacture date and does not guarantee eligibility as a CHOICEHome. (b) Construction elements
      for CHOICEHomes CHOICEHomes must meet the Manufactured Home general requirements in Section 5703.2 and property
      and occupancy requirements in Section 5703.3, except as otherwise indicated by specific CHOICEHome construction
      elements below. (i) Foundation The permanent foundation must comply with the following requirements: ■ Meet
      HUD’s Permanent Foundation Guide for Manufactured Housing ■ Have an engineered foundation certified by a registered
      architect or professional engineer; and ■ Include a masonry or poured concrete perimeter wall'
    drafter_attestation: Verbatim from Freddie Guide §5703.12 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
