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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
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)
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)
Underwriting Reminders for Loan Prospector Caution Risk Class Mortgages
Underwriting Training and Education Resources

Online Self-study
Factors Used in Loan Prospector

Training Events Workshop   Web Event
An Overview of Freddie Mac's Requirements for Self-employed Borrowers - 90 min     New
Freddie Mac Refinance Programs - 90 min
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 Workshop - 1 day
Underwriting Income and Employment - 2 hrs

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