source:
  type: guide
  id: fhlmc-6101.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 6101.1 — Fixed-rate
    Cash eligibility
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 6101.1 — Fixed-rate
    Cash eligibility.
  coverage_tier: operative
obligations:
- id: fhlmc-6101.1-full
  canonical_id: fhlmc-6101.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 6101.1 — Fixed-rate
    Cash eligibility
  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 6101.1 — Fixed-rate
      Cash eligibility
    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: '6101.1: Fixed-rate Cash eligibility (11/05/25) This section
      contains requirements related to: ■ Eligible Sellers for fixed-rate Cash ■ Eligible
      Mortgages under fixed-rate Cash (a) Eligible Sellers for fixed-rate Cash To
      be eligible to sell Mortgages to Freddie Mac under fixed-rate Cash, the Seller
      must have entered into Purchase Contracts with Freddie Mac. (i) Margin requirements
      Freddie Mac may, at its sole discretion, require Sellers to post margin in connection
      with transactions under this Chapter 6101. In all events, Freddie Mac shall
      be the sole calculation agent with respect to the required margin amount and
      whether the margin amount is to be posted or returned. (ii) Margin deficit notification
      If Freddie Mac provides notice of a margin deficit by 10:00 a.m. Eastern time
      on any Business Day, the Seller shall transfer any required margin no later
      than the close of business on such Business Day. If such notice is received
      after 10:00 a.m. Eastern time on any Business Day or on a day that is not a
      Business Day, the Seller shall transfer such margin no later than the close
      of business on the next Business Day. (iii)Establishing a Securities trading
      account A Seller may establish a trading account with Freddie Mac that allows
      the Seller to engage in the purchase and sale of UMBS® and Freddie Mac Mortgage
      Participation Certificates. To request approval to establish such an account,
      Sellers may e-mail or call the Cash Window at Cashdesk_Traders@FreddieMac.com,
      or (571) 382-3080. Any securities trading activities are subject to the following
      requirements: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6101 As
      of 12/17/25 Page 6101-2 ■ Sellers must comply with the margining terms and credit
      limits set forth in Exhibit 102, Securities Trading Customer Agreement ■ Freddie
      Mac will be the calculation agent for purposes of determining any and all amounts
      payable pursuant to the terms of any margin provisions, and such determinations
      by Freddie Mac shall be final and binding (b) Eligible Mortgages under fixed-rate
      Cash (i) Eligible Mortgages under fixed-rate Cash Freddie Mac will purchase
      fixed-rate Mortgages under fixed-rate Cash. See Exhibit 17S, Available Mortgage
      Products, for more information regarding eligibility requirements for fixed-rate
      Mortgages sold under fixed-rate Cash. Mortgages eligible for sale through Cash-Released
      XChange® under a Mandatory Cash Contract or a Best Efforts Contract can be found
      on Freddie Mac’s website at https://sf.freddiemac.com/content/_assets/resources/pdf/fact-
      sheet/available_products.pdf. (ii) Eligible original terms Term requirements
      for fixed-rate Mortgages sold under fixed-rate Cash are exceptions to Section
      4201.3 and are listed in the table below: Term requirements for Mortgages sold
      under fixed-rate Cash Mortgage type Term requirements 10-year Mortgages 85–120
      months from the date that is one month before the first payment Due Date as
      described in Section 4201.3 15-year Mortgages 121–180 months from the date that
      is one month before the first payment Due Date as described in Section 4201.3
      20-year Mortgages 181–240 months from the date that is one month before the
      first payment Due Date as described in Section 4201.3 30-year Mortgages 241–360
      months from the date that is one month before the first payment Due Date as
      described in Section 4201.3 Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 6101 As of 12/17/25 Page 6101-3'
  judgment: false
