• Single-Family
  • Making Home Affordable Program
  • Underwrite and Process Loans
  • Sell and Deliver Loans
  • Mortgage Products
  • Service Loans
  • Doing SF Business with Freddie Mac
  • Forms and the Guide
  • The Learning Center
    • Underwriting
    • Selling and Delivery
    • Servicing
    • Mortgage Products
    • Training Events
    • Community Outreach
    • Learning Center Glossary
• Multifamily
• Debt Securities
• Mortgage Securities
• Vendors And Suppliers

Income and Assets

Use the following resources to improve your understanding about analyzing and documenting a borrower's assets, acceptable sources of funds, and income and employment history.

Easy to Print References
Documenting Lawful Residency Status for Non-U.S. Citizens
Form 90: Verbal Verification of Employment
Form 91: Income Analysis Form     Updated
Freddie Mac Rental Income Matrix (For Mortgage Applications on or after December 14, 2009, and Freddie Mac Settlements on or after April 1, 2010)     Updated
Freddie Mac Rental Income Matrix (For Mortgage Applications on or before December 13, 2009, and Freddie Mac Settlements on or before March 31, 2010)     Updated
Loan Prospector® Documentation Matrix (For Mortgage Applications on or after December 14, 2009, and Freddie Mac Settlements on or after April 1, 2010)     Updated
Loan Prospector Documentation Matrix (For Mortgage Applications on or before December 13, 2009, and Freddie Mac Settlements on or before March 31, 2010)     Updated
Loan Prospector Processing Reminders for Mortgages with Submission Dates prior to December 14, 2009     Updated
Underwriting Reminders for Loan Prospector Caution Risk Class Mortgages
Underwriting Training and Education Resources     Updated

Online Self-study
Factors Used in Loan Prospector

Training Events Workshop   Web Event
Freddie Mac Refinance Programs - 90 min     Updated
Identifying and Documenting Acceptable Sources of Funds - 90 min
Loan Prospector Documentation Requirements - 2 hr
Overview of Recent Announcements and Guide Changes - 90 min
The Power of Strong Underwriting - 1 day
Underwriting Income and Employment - 2 hrs
Underwriting with Loan Prospector - 1 day

Freddie Mac's Single-Family Seller/Servicer Guide
Guide Section 2.2.1k: Resubmission Guidelines Guide Chapter 26: Equity and Cash Guide Chapter 37: Underwriting the Borrower Guide Chapter 37.20: General Requirements for Verifying Documents Chapter 37.21-37.23: Asset and Documentation Requirements