Single-Family News Center: Originate and Underwrite

SEC and Other Loan Data Delivery Requirements
May 22, 2012 - Find out about loan delivery requirements for SEC-required data and other critical data points. Plus new resources to help you prepare for the July 23 ULDD implementation.

UCDP Release Notification
May 16, 2012 - On June 9, 2012, the GSEs will update the UCDP User Interface to implement enhancements for appraisals submitted to the UCDP for either GSE.

Opportunities to Streamline Processes; Enhanced Executions for Relief Refinance Mortgages in Guide Bulletin 2012-11
May 15, 2012 - Learn more about requirement changes that will help provide additional operational ease for your business, and enhancements to our Freddie Mac Relief Refinance Mortgage offering that will help you assist more HARP borrowers.

Launch of "Housing Professionals Outreach News" for Lenders
May 10, 2012 - Lenders with borrower outreach-focused responsibilities who want to stay up-to-date on Freddie Mac's borrower outreach and education initiatives can subscribe to receive free email updates to "Housing Professionals Outreach News."

The Importance of Reporting Origination Mortgage Fraud
May 09, 2012 - As a mortgage originator, you are on the front lines of identifying mortgage fraud to help protect your organization and customers. Read about how important it is to not only identify, but to report fraud or possible fraud regarding Freddie Mac loans directly to us.

Use Updated Seller/Servicer Forms Beginning April 23
April 17, 2012 - Sellers are reminded of updates to Form 16SF, Annual Eligibility Certification Report, and Form 1107SF, Seller/Servicer Change Notification, effective April 23, 2012, as announced in Guide Bulletin 2012-8.

Uniform Appraisal Dataset Update
April 10, 2012 - To continue to support the use of the UAD, and successful submissions of the UAD appraisal report in the UCDP®, the GSEs are providing additional guidance in using the UAD.

UCDP Requirements Now in Effect, Upcoming Updates, and Helpful Resources
March 27, 2012 - Your efforts to successfully adopt and implement the Uniform Collateral Data Portal® (UCDP®) by March 19, were key to the GSEs, as well as the industry, reaching another important milestone in the implementation of the Uniform Mortgage Data Program®.

Revised Seller/Servicer Eligibility Requirements Take Effect in June
March 20, 2012 - All Freddie Mac Seller/Servicers must meet and maintain new acceptable net worth requirements beginning June 30, 2012.

Revised Mortgage Eligibility Requirements and Updated Forms Announced in Guide Bulletin 2012-8
March 15, 2012 - We are announcing updates to our requirements related to borrower funds and the use of Mortgage Credit Certificates in Guide Bulletin 2012-8.

Guide Bulletin 2012-6 Provides Details on Freddie Mac's Implementation of the Mandated Gfee Increase
February 29, 2012 - We are issuing Guide Bulletin 2012-6 to provide you with additional details on our implementation of the increase in required spreads announced in Guide Bulletin 2011-26.

Loan Prospector March 11 Release
February 23, 2012 - On March 11, 2012, we are updating Loan Prospector® to allow you to assess Relief Refinance Mortgages^SM – Open Access, using new requirements that support enhancements to the Home Affordable Refinance Program (HARP).

Reminder: UCDP Effective Date Coming Soon
February 21, 2012 - As a reminder, you must submit an appraisal report form to the Uniform Collateral Data Portal® (UCDP®) prior to delivery, if an appraisal report is required, for all conventional mortgages with application dates on or after December 1, 2011 and delivered to Freddie Mac on or after March 19, 2012.

New Loan Prospector Feedback Message Online Tool
February 21, 2012 - To help you easily find specific Loan Prospector® feedback messages and categories, the Loan Prospector feedback message resource is now available as an online tool.

Revised Requirements for RHS Section 502 GRH Mortgages in Guide Bulletin 2012-4
February 10, 2012 - Guide Bulletin 2012-4 announces revised requirements for non-assumable Guaranteed Rural Housing (GRH) Mortgages to require that these mortgages be sold with recourse. The Bulletin also updates the Guide to remove the terms “Mortgages for Newly Constructed Homes” and “Newly Built Home Mortgage.”

LandSafe Discontinuing Credit Services Available in Loan Prospector
January 31, 2012 - LandSafe, a credit reporting company available through Loan Prospector®, recently announced effective February 1, 2012, it will no longer provide new merged credit reports to lenders and third-party originators.

Guide Bulletin 2012-3 Provides Updates on ULDD Requirements
January 31, 2012 - Guide Bulletin 2012-3 provides updates on the recently announced ULDD implementation date extension and SEC-required data points, plus ULDD data point clarifications to support implementation efforts.

Correction to Single-Family Update Email Regarding Guide Bulletin 2012-1
January 05, 2012 - In our earlier email regarding requirement changes announced in Guide Bulletin 2012-1, the revised requirement for TLTV/HTLTV ratios was inadvertently left out. Please refer to the correct version of the email in this link.

Guide Bulletin 2012-1 Provides Added Flexibility for Relief Refinance Mortgages
January 05, 2012 - Guide Bulletin 2012-1 revises our Relief Refinance Mortgage requirements for mortgages with LTV ratios less than or equal to 80 percent to provide you with greater flexibility when refinancing mortgages for borrowers who have greater equity in their homes.

Loan Prospector Updated to Reflect 2012 FHA Loan Limits
December 20, 2011 - On January 2, 2012, Loan Prospector® will be updated to support the 2012 FHA maximum loan limits for users submitting loans through the FHA TOTAL Scorecard to Loan Prospector.