Freddie Mac issued Bulletin 2025-15 (Bulletin) announcing revisions to the Single-Family Seller/Servicer Guide. Per the Bulletin, Freddie Mac:

• Updated requirements related to mortgages secured by manufactured homes containing Accessory Dwelling Units (ADU’s) by specifying for mortgages secured by manufactured Homes, including CHOICEHomes, the property may contain an ADU provided the primary dwelling is a multiwide manufactured home. Additionally, requirements are being expanded for properties containing a manufactured home ADU to now allow the primary dwelling to be a multiwide manufactured home, including a CHOICEHome;
• Updated Asset and Income Modeler announcing the addition of rental income as an eligible income type for automated income assessments using tax data;
• Updated mortgage eligibility and documentation:
  • Related to refinance mortgages where the borrower inherited or was legally awarded the property;
  • Related mortgages made pursuant to employee relocation programs;
  • Related to the final mortgage application by removing the requirement for signatures on the final mortgage application to be obtained at closing when the application is signed electronically;
• Added additional flexibility for the completion of incomplete improvements by extending the time frame for completing the improvements from 180 days after the Note date to 365 days after the Note date and by updating mortgage insurance and title requirements related to incomplete improvements;
• Updated the rent payment history offering by providing additional specificity regarding the documentation requirements related to the rent payment history offering;
• Revised Guide Exhibit 4A (Single-Family Uniform Instruments) to reflect changes to the Tennessee Deed of Trust (Form 3043 07/2021) in response to Tennessee House Bill 1127;
• Updated Exhibit 43 (Cash-Released XChange Document Custodians) to reflect a change to U.S. Bank’s contact information;
• Refactored Chapters 4202 (Responsible Lending), 5801 (The Uniform Closing Dataset), 6101 (Fixed-Rate Cash), 6203 ( Sale of Mortgages through Loan Selling Advisor under Fixed-Rate Guarantor Program), and 6204 (Sale of Mortgages through Loan Selling Advisor under WAC ARM Guarantor Program) and cross-references to refactored Chapters 4202, 6101, 6203 and 6204 have been updated; and
• Relocated the contents of Chapter 6103 (Securities Trading Account) to Sections 6101.1 (Eligible Sellers for Fixed-Rate Cash) and 6101.2 (Fixed-Rate Cash Contracts) and retired Chapter 6103 (Securities Trading Account).

Revisions related to mortgages secured by manufactured homes containing Accessory Dwelling Units are effective for mortgages with settlement dates on or after February 9, 2026 (lenders, however, may implement immediately). Revisions related to the addition of rental income as an eligible income type for automated income assessments using tax data are effective for Freddie Mac Income Calculator submissions and Loan Product Advisor submissions and resubmissions on or after March 1, 2026. Revisions related to mortgage eligibility and documentation updates related to refinance mortgages where the borrower inherited or was legally awarded the property effective for mortgages with application received dates on or after December 5, 2025 (lenders, however, are encouraged to implement immediately). All other revisions went into effect November 5, 2025.

Click to view the Freddie Mac Guide Bulletin 2025-15: https://www.tenaco.com/wp-content/uploads/2025/11/Freddie-Mac-Guide-Bulletin-2025-15-11-05-25.pdf