Freddie Mac issued Bulletin 2026-12 (Bulletin) announcing revisions to the Single-Family Seller/Servicer Guide. Per the Bulletin, Freddie Mac:
- Added a written Verification of Employment as eligible documentation for an automated income assessment to determine eligibility for representation and warranty relief for income calculation accuracy;
- Removed the requirement that prohibits the use of tax transcripts with an automated assessment of self-employed income from a sole proprietorship reported on Internal Revenue Service Schedule C when other self-employed income is reflected on other tax schedules (e.g., Schedule E, Schedule F); and
- Updated manufactured home requirements to permit mortgages secured by a manufactured home that has been moved from another site, provided the manufactured home that has been moved from another site:
- Has been inspected to verify structural integrity by a licensed professional engineer or appropriate local, State or federal authority;
- Is not located in a more restrictive wind, roof load and/or thermal zone than the zone for which the home was constructed; and
- Mortgage proceeds were not used to pay for costs for delivery and setup, anchoring on a permanent foundation system, site development, installation and permanent utility connections (including well and/or septic systems).
All revisions went into effect September 2, 2026.
Click to view the Freddie Mac Guide Bulletin 2026-12: https://www.tenaco.com/wp-content/uploads/2026/09/Freddie-Mac-Guide-Bulletin-2026-12-09-02-26.pdf
