Skip to Page Content | Skip to Site Navigation | Skip to Section Navigation

Resources for Responsible Lending

Implementing responsible lending practices reduces repurchases, helps ensure borrowers are successful throughout the life of their loan, and even strengthens communities. Take advantage of these recourses to help keep your business moving forward.

Focus On Credit, Capacity, and Collateral

Focusing on credit, capacity, and collateral – the "three C’s" of underwriting, is key to delivering high quality loans.

Credit

Learn how to assess a borrower's credit using an automated underwriting system like Loan Prospector® or by manually underwriting the loan.

Capacity

Learn how to analyze and document a borrower's assets, acceptable sources of funds, and income and employment history.

Collateral

Improve your proficiency in reviewing appraisal or property inspection reports in order to meet Freddie Mac requirements.

Improve Your Loan Manufacturing Process Through Fraud Prevention and Quality Control

Having a rigorous post-funding quality control program and sound pre-funding quality control practices will help you prevent mortgage fraud so you can deliver high-quality loans.

Quality Control

Review the resources below to help you better understand our quality control processes.

Tools and References

Fraud Prevention and Anti-Predatory Lending

Review these resources to strengthen your awareness of mortgage fraud and help prevent it.

Have Greater Certainty in Your Loan Quality with Loan Prospector® and Loan Quality AdvisorSM

Learn how Loan Prospector and Loan Quality Advisor provide greater confidence that the loans you sell to Freddie Mac meet our purchase requirements.


Visit The Learning Center for a complete list of available and upcoming webinars, quick references, and other tools that address responsible lending standards.

Back to Top