source:
  type: regulation
  id: fhlmc-4702.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
  description: "Freddie Mac Guide §4702.3 (Attorney opinion of title letter). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-4702.3-0
  canonical_id: fhlmc-4702.3-0
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: This section contains information related to: ■ Issuer
    requirements ■ Attorney opinion of title letter requirements ■ Mortgages that are ineligible for delivery with
    an attorney opinion of title letter ■ Documentation and delivery requirements for an attorney opinion of title
    let…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: 'This section contains information related to: ■ Issuer requirements ■ Attorney opinion of
      title letter requirements ■ Mortgages that are ineligible for delivery with an attorney opinion of title letter
      ■ Documentation and delivery requirements for an attorney opinion of title letter (a) Issuer requirements
      Attorney must meet the following requirements to be acceptable issuer of attorney opinion of title letters:
      ■ Be licensed and in good standing to practice law in the jurisdiction where the Mortgaged Premises is located
      ■ Provide coverage for the “gap” period between closing of the Mortgage and recordation of the loan documents
      ■ Maintain professional liability insurance that meets the following requirements:'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-1
  canonical_id: fhlmc-4702.3-1
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-6 ❑ Extends coverage against malpractice or errors
    and omissions in rendering opinions of title ❑ Maintains coverage amount that adequately accounts for the quantity
    and size of opinions rendered by the attorney and organization or law firm, without limits of liability for
    a …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: '702-6 ❑ Extends coverage against malpractice or errors and omissions in rendering opinions
      of title ❑ Maintains coverage amount that adequately accounts for the quantity and size of opinions rendered
      by the attorney and organization or law firm, without limits of liability for a single claim lower than the
      UPB of the Mortgaged Premises ❑ Extends coverage to all assignees and successors ❑ Extends coverage to the
      organization or law firm under which the attorney opinion of title letter is issued, in the event the attorney
      is no longer a member of the firm or organization ■ Provide current proof of acceptable professional liability
      coverage (b) Attorney opinion of title letter requirements Freddie Mac will accept an attorney opinion of
      title letter in lieu of a title insurance policy if all the following conditions are satisfied. The attorney
      opinion of title letter must: Attorney opinion of title letter requirements Be addressed to the Seller and
      all successors in interest of the Seller Provide the following statement: “We [I] agree to indemnify you and
      your successors in interest in the [Mortgage] [deed of trust] opined hereto, to the full extent of any loss
      attributable to a breach of our [my] duty to exercise reasonable care and skill in the examination of the
      title and the giving of this opinion.” Be issued by an eligible attorney and organization as defined above
      State that the condition of title to the Mortgaged Premises is acceptable and the Mortgage constitutes a lien
      of the required priority on a fee simple estate in the property List all other liens as subordinate Include
      the following if the Mortgage is secured by a unit in a Condominium Project or Planned Unit Development (PUD):
      ■ There is no violation of any restrictive covenants that are in the Condominium Project or PUD constituent
      documents and restrict the use of the land ■ All dues applicable to the Mortgages Premises are current and
      not delinquent ■ No recorded right of first refusal to purchase the land was exercised or could have'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-2
  canonical_id: fhlmc-4702.3-2
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-7 Attorney opinion of title letter requirements been
    exercised on or before the closing date of the Mortgage and the undersigned is unaware of the existence or the
    exercise of any right of first refusal on or before the closing date of the Mortgage For ARMs, if applicable,
    in…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: '702-7 Attorney opinion of title letter requirements been exercised on or before the closing
      date of the Mortgage and the undersigned is unaware of the existence or the exercise of any right of first
      refusal on or before the closing date of the Mortgage For ARMs, if applicable, include the following: “The
      law of [the State in which the property securing the Mortgage is located] provides that (i) the lien of the
      Mortgage will not become invalid or unenforceable resulting from provisions in the Mortgage which provide
      for changes in the interest rate calculated pursuant to the formula provided in the Mortgage, and (ii) priority
      of the lien of the Mortgage for the UPB of the loan, together with interest as changed and other sums advanced
      by the Noteholder in accordance with the provisions of the Mortgage, will not be lost as a result of changes
      in the rate of interest calculated pursuant to the formula provided in the Mortgage.” Include an opinion on
      environmental protection liens that addresses the following: ■ That there are no environmental protection
      liens filed in the public records that have priority over the lien of the insured Mortgage ■ That there are
      no applicable State laws that provide that environmental liens filed after the date of the policy would have
      priority over the lien of the insured Mortgage. If there are such laws, the letter must expressly identify
      them as an exception. ■ May include an exception for possible subsequent superliens that could take priority
      over the Mortgage only if the Mortgaged Premises is located in a State whose State statutes provide for such
      a superlien Not take exception to survey matters; when the attorney’s opinion takes exception to survey matters,
      the Seller must provide whatever information is required by the attorney to remove the exception Not be subject
      to any title exceptions other than those permitted under Section 4702.4 (c) Mortgages that are ineligible
      for delivery with an attorney opinion of title letter An attorney opinion of title letter may not be delivered
      for Mortgages with the following characteristics: ■ Mortgaged Premises is located in a Tribal Area (as defined
      in Section 4504.2) ■ Mortgaged Premises is located in jurisdictions where an attorney opinion of title letter
      is prohibited by law ■ Mortgages secured by a dwelling on a leasehold estate, including leasehold estates
      on property owned by a Community Land Trust, and a property subject to a sublease(s) that survive(s) the extinguishment
      of the primary ground lease'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-3
  canonical_id: fhlmc-4702.3-3
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-8 ■ Mortgages secured by Manufactured Homes ■ Mortgages
    executed using a power of attorney ■ CHOICERenovation® Mortgages ■ Construction to Permanent Mortgages ■ Cooperative
    Share Loans ■ GreenCHOICE Mortgages® ■ HeritageOne® Mortgages ■ Renovation Mortgages ■ Texas Equity Sec…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: '702-8 ■ Mortgages secured by Manufactured Homes ■ Mortgages executed using a power of attorney
      ■ CHOICERenovation® Mortgages ■ Construction to Permanent Mortgages ■ Cooperative Share Loans ■ GreenCHOICE
      Mortgages® ■ HeritageOne® Mortgages ■ Renovation Mortgages ■ Texas Equity Section 50(a)(6) Mortgages (d) Documentation
      and delivery requirements for an attorney opinion of title letter The Seller must deliver Investor Feature
      Identifier (IFI) “J18” when delivering a Mortgage that uses an attorney opinion of title letter in lieu of
      a title insurance policy or Iowa certificate of title. This is in addition to any other IFIs that may apply.
      The Seller must include and maintain the following in the Mortgage file: ■ A copy of the attorney opinion
      of title letter ■ Proof of acceptable professional liability coverage ■ Current claim filing instructions
      Note: See Section 6302.47 for delivery requirements for each Mortgage delivered with an attorney opinion of
      title letter in lieu of a title insurance policy.'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-4
  canonical_id: fhlmc-4702.3-4
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: Acceptable exceptions to the title insurance policy or
    to the attorney’s opinion of title letter (04/02/25) This section contains requirements related to: ■ Subsurface
    public utility easements ■ Surface public utility easements ■ Encroachments on public utility easements ■ Restri…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: 'Acceptable exceptions to the title insurance policy or to the attorney’s opinion of title
      letter (04/02/25) This section contains requirements related to: ■ Subsurface public utility easements ■ Surface
      public utility easements ■ Encroachments on public utility easements ■ Restrictive agreements and restrictive
      covenants ■ Mutual easement agreements ■ Fence misplacements ■ Encroachments on the Mortgaged Premises by
      improvements on adjoining property ■ Encroachments on adjoining property ■ Oil, gas, water and mineral rights
      ■ Liens for taxes not due ■ Sums readvanced ■ Tenants in possession ■ Liens and leases for solar panels ■
      Other exceptions The following exceptions to the title insurance policy or to the attorney opinion of title
      letter are acceptable:'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-5
  canonical_id: fhlmc-4702.3-5
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-10 (a) Subsurface public utility easements Exceptions
    for subsurface public utility easements for local residential distribution, such as lines for gas and water,
    and cable for electric, telephone or television utilities, are acceptable provided that the location of the
    easem…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: '702-10 (a) Subsurface public utility easements Exceptions for subsurface public utility easements
      for local residential distribution, such as lines for gas and water, and cable for electric, telephone or
      television utilities, are acceptable provided that the location of the easements is ascertainable and fixed.
      The exercise of the rights thereunder must not interfere with the use and enjoyment of any present improvements
      on the Mortgaged Premises or proposed improvements on which the appraisal or Mortgage is based. (b) Surface
      public utility easements Exceptions for surface easements for public utilities for local residential distribution
      are acceptable provided that the location of the easements is ascertainable and fixed. The exercise of the
      rights thereunder must not interfere with the use and enjoyment of any of the following: ■ Present improvements
      on the Mortgaged Premises ■ Proposed improvements upon which the appraisal or Mortgage is based ■ Part of
      the Mortgaged Premises outside the easement and not occupied by improvements (c) Encroachments on public utility
      easements Exceptions for encroachments on easements for public utilities by a garage, tool shed or similar
      structure that is not attached to, or a portion of, the dwelling structure are acceptable provided that the
      encroachments do not interfere with the use and enjoyment of the easements or the exercise of rights of repair
      and maintenance in connection therewith. (d) Restrictive agreements and restrictive covenants Exceptions for
      restrictive agreements or restrictive covenants of record related to cost, use, setback, resale restrictions,
      right of first refusal, minimum size and building materials, and architectural, aesthetic or similar matters
      (other than single-family-use restrictions on 2- to 4- unit properties) are acceptable provided that the following
      conditions are met: ■ The restrictive agreements or restrictive covenants do not create or provide for any
      lien that would be prior to the lien of the Home Mortgage nor provide for the elimination of the lien of the
      Home Mortgage ■ The terms and provisions of the restrictive agreements or restrictive covenants are commonly
      acceptable to private institutional Mortgage investors in the area where the Mortgaged Premises is located'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-6
  canonical_id: fhlmc-4702.3-6
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-11 ■ An endorsement to the title insurance policy affirmatively
    insures that no violation of any such restrictive agreement or restrictive covenant exists and that any future
    violation shall not result in forfeiture or reversion of title (e) Mutual easement agreements Excepti…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: '702-11 ■ An endorsement to the title insurance policy affirmatively insures that no violation
      of any such restrictive agreement or restrictive covenant exists and that any future violation shall not result
      in forfeiture or reversion of title (e) Mutual easement agreements Exceptions for mutual easement agreements
      of record that establish a joint driveway or a party wall are acceptable if such improvements are constructed
      in any of the following ways: ■ Partly on the Mortgaged Premises and partly on adjoining property ■ Wholly
      on the Mortgaged Premises, or ■ Wholly on the adjoining property The easement agreement must allow all present
      and future owners and their heirs, successors and assigns forever, unlimited use and enjoyment of the driveway
      or party wall without any restriction other than restriction by reason of the mutual easement owners’ rights
      in common and duties for joint maintenance. (f) Fence misplacements Exceptions for fence misplacements on
      either side of the property line of the Mortgaged Premises are acceptable provided that neither the misplacement,
      nor a future correction thereof, will interfere with the use and enjoyment of any improvements on the Mortgaged
      Premises nor with the use and enjoyment of the balance of the Mortgaged Premises not occupied by improvements.
      The definition of fence in this section shall not include retaining walls or other permanent structures. (g)
      Encroachments on the Mortgaged Premises by improvements on adjoining property Exceptions for encroachments
      on the Mortgaged Premises by improvements on adjoining property are acceptable provided that the following
      conditions are met: ■ The encroachment must not touch any improvements on the Mortgaged Premises ■ The encroachment
      must not interfere with the use and enjoyment of any improvements on the Mortgaged Premises nor with the use
      and enjoyment of the Mortgaged Premises not occupied by improvements (h) Encroachments on adjoining property
      Exceptions for encroachments on adjoining property by eaves or other projections attached to improvements
      on the Mortgaged Premises, or by structures such as tool sheds, or by a driveway appurtenant to the Mortgaged
      Premises, are acceptable provided that there is an endorsement to the title insurance policy whereby the policy
      affirmatively insures against'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-7
  canonical_id: fhlmc-4702.3-7
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-12 loss suffered by reason of the entry of a decree
    or court order requiring the removal of the encroachment. (i) Oil, gas, water and mineral rights Exceptions
    for outstanding oil, gas, water or mineral rights are acceptable if commonly granted by private institutional
    Mortga…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: '702-12 loss suffered by reason of the entry of a decree or court order requiring the removal
      of the encroachment. (i) Oil, gas, water and mineral rights Exceptions for outstanding oil, gas, water or
      mineral rights are acceptable if commonly granted by private institutional Mortgage investors in the area
      where the Mortgaged Premises is located, and: ■ The exercise of such rights will not result in damage to the
      Mortgaged Premises or impairment of the use or marketability of the Mortgaged Premises for residential purposes
      and there is no right of surface or subsurface entry within 200 feet of the residential structure, or ■ There
      is a comprehensive endorsement to the title insurance policy that affirmatively insures the lender against
      damage or loss due to the exercise of such rights (j) Liens for taxes not due Exceptions for liens for real
      estate or ad valorem taxes and assessments that specifically state that such liens are not yet due and payable
      are acceptable. (k) Sums readvanced This includes the priority of the lien for any sum repaid and subsequently
      readvanced under the terms of the Mortgage insured thereby. (l) Tenants in possession Exceptions for rights
      of tenants in possession, as tenants only, under prior unrecorded leases are acceptable. (m)Liens and leases
      for solar panels Exceptions for liens and leases, including UCC-1 Financing Statements, for solar panels are
      acceptable provided the exception is for a lien or lease that lists only the solar panels as the collateral.
      (n) Other exceptions Any exception not set forth above in Sections 4702.4(a) through 4702.4(m) is acceptable
      only if all of the following conditions are met: 1. The subject of the exception must not interfere with the
      use and enjoyment of any present or proposed improvements on the Mortgaged Premises or with the use and enjoyment
      of the balance of the Mortgaged Premises not occupied by improvements'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-8
  canonical_id: fhlmc-4702.3-8
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: 702-13 2. The subject of the exception must not affect
    the marketability of the Mortgaged Premises 3. The subject of the exception must have no or minimal effect on
    the value of the Mortgaged Premises 4. The subject of the exception must be acceptable to the MI if the Mortgage
    is…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: 702-13 2. The subject of the exception must not affect the marketability of the Mortgaged Premises
      3. The subject of the exception must have no or minimal effect on the value of the Mortgaged Premises 4. The
      subject of the exception must be acceptable to the MI if the Mortgage is insured 5. The subject of the exception
      must be commonly acceptable to private institutional Mortgage investors in the area where the Mortgaged Premises
      is located The Seller shall warrant that all exceptions to the title insurance policy or to the attorney opinion
      of title letter are permissible under this section. Freddie Mac will not issue any letters addressing the
      acceptability of particular exceptions nor waivers of the above requirements.
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4702.3-9
  canonical_id: fhlmc-4702.3-9
  section: Freddie Mac Guide 4702.3
  description: '4702.3 Attorney opinion of title letter: Special title insurance requirements for Texas Equity Section
    50(a)(6) Mortgages (04/02/25) Texas Equity Section 50(a)(6) Mortgages must be covered by a title insurance policy
    meeting the requirements of Chapter 4702 with the endorsements described below: ■ An Equity Loan Mortgag…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4702.3 — Attorney opinion of title letter (02/04/26)
    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: 'Special title insurance requirements for Texas Equity Section 50(a)(6) Mortgages (04/02/25)
      Texas Equity Section 50(a)(6) Mortgages must be covered by a title insurance policy meeting the requirements
      of Chapter 4702 with the endorsements described below: ■ An Equity Loan Mortgage Endorsement (Form T-42).
      The Form T-42 endorsement must include the optional coverage provided by paragraph 2(f) of the endorsement,
      and there must not be any exceptions to, or deletions of, paragraphs 2(a) through 2(e) of the Form T-42 endorsement.
      ■ A Supplemental Coverage Equity Loan Mortgage Endorsement (Form T 42.1). There must not be any exceptions
      to, or deletions of, paragraphs 1(a) through 1(k) of the Form T-42.1 endorsement or any subsequent subparagraphs
      added to Paragraph 1 by any revision of the Form T 42.1 approved by the Texas Insurance Commission. ■ Any
      other endorsement that provides additional optional mortgagee coverage that is approved by the State of Texas
      Insurance Commission. The endorsement must be obtained by the Seller for Texas Equity Section 50(a)(6) Mortgages
      originated on and after the date the endorsement becomes legally available. There must be no exceptions to,
      or deletions of, any paragraphs providing additional coverage in any such endorsement.'
    drafter_attestation: Verbatim from Freddie Guide §4702.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
