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Implementation of New Mortgage Insurance Master Policies Announced in Guide Bulletin 2014-13

June 24, 2014

If you plan to sell mortgages that require private mortgage insurance, you need to make sure the mortgages are covered under the appropriate master policies as described in today's Single-Family Seller/Servicer Guide (Guide) Bulletin 2014-13.

Bulletin 2014-13 provides the implementation details of the new mortgage insurance master policies announced by the Federal Housing Finance Agency (FHFA) on December 2, 2013. Today's Bulletin includes information on:

  • Effective Date. If a mortgage has an Application Received Date on or after October 1, 2014, and requires mortgage insurance, it must be insured under one of the new master policies to be eligible for sale to Freddie Mac.

  • Relief Refinance Mortgages. Our Freddie Mac Relief Refinance MortgagesSM allow the carryover of the mortgage insurance from the mortgage being refinanced. Relief Refinance Mortgages can maintain the same insurance coverage under their original master policies regardless of the new Relief Refinance Mortgage's Application Received Date.

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Please review the following for more information.

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