Freddie Mac issued Bulletin 2025-13 (Bulletin) announcing revisions to the Single-Family Seller/Servicer Guide. Per the Bulletin, Freddie Mac:
- Updated several topics related to information security;
- Added an enhancement to Project Assessment Request (PAR) by adding an option for lenders to submit a Condominium Project for a “Seller Certified” PAR status through Condo Project Advisor;
- Removed the restriction on using negotiated underwriting provisions with Community Land Trust mortgages;
- Added flexibility allowing lenders to use Fannie Mae’s Community Land Trust Ground Lease Rider (Fannie Mae Form 2100) as an acceptable alternative to Community Land Trust Ground Lease Rider (Guide Form 490) to satisfy ground lease rider requirements;
- Added specificity in the FHLMC Single-Family Seller/Servicer Guide that Community Land Trust programs included in Fannie Mae’s Certified Shared Equity Program list with a ground lease not based on either of the 2 model ground leases must comply with the ground lease requirements in FHLMC Single-Family Seller/Servicer Guide Section 4502.7(a)(ii) (Requirements for Community Land Trust Ground Leases and Ground Lease Riders);
- Revised Section 5605.5 (Improvements Analysis) related to property condition and quality of construction to:
- Provide additional clarity and examples of the types of deficiencies that are consistent with a C5 or C6 condition rating, including providing specificity regarding eligibility of properties with missing flooring, and properties that have incomplete construction or remodeling; and
- Update cross-references to include CHOICEReno eXpress mortgages and properties with incomplete improvements requirements;
- Refactored chapters 6102 (ARM Cash), 6205 (Sale of Mortgages through Loan Selling Advisor under MultiLender Swap Program), and 6303 (Assessment and Payment of Fees); and
- With the refactoring of Chapter 5103 (Special Borrower Eligibility) announced in Bulletin 2025-9 and the relocation of content to Section 4201.11 (Mortgages Secured by Primary Residences) Freddie Mac inadvertently removed the provision permitting a mortgage to be considered secured by a primary residence when the borrower is a legal guardian for a disabled individual(s) occupying the mortgaged premises as their primary residence. With this update, Freddie Mac has incorporated the provision back into the FHLMC Single-Family Seller/Servicer Guide.
Revisions related to information security updates are effective January 1, 2026. Revisions related to Project Assessment Request are effective December 8, 2025. All other revisions are effective October 1, 2025.
Click to view the Freddi Mac Guide Bulletin 2025-13: https://www.tenaco.com/wp-content/uploads/2025/10/Freddie-Mac-Guide-Bulletin-2025-13-10-01-25.pdf
