Freddie Mac Single-Family Seller/Servicer Guide 4302.2 — Acceptable refinance practices

fhlmc-4302-2

Freddie Mac Single-Family Seller/Servicer Guide Section 4302.2 — Acceptable refinance practices.

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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 4302.2 — Acceptable refinance practices — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Freddie Mac Single-Family Seller/Servicer Guide 4302.2 — Acceptable refinance practices

Effective 2024-12-04 · Freddie Mac's stamp for this section

This section contains requirements related to: ■ Advertising and solicitation ■ Advertising and other communications with Borrowers (a) Advertising and solicitation The Seller may target Mortgages owned or securitized by Freddie Mac for the Refi Possible® offering, provided that the Borrower’s income is less than or equal to 100% of the Area Median Income and the Seller simultaneously applies the same advertising and solicitation activities with respect to Borrowers with Mortgages owned or securitized by Fannie Mae. (b) Advertising and other communications with Borrowers If a Seller chooses to reach out to Borrowers and the Seller’s communication includes a reference to Freddie Mac, then the communication must also include the following (or substantively similar) verbiage: ■ Freddie Mac and Fannie Mae have adopted a new refinance option for Mortgages to Borrowers with incomes at or below 100% of the Area Median Income. If your Mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your Mortgage under one of these refinance options. ■ You can determine whether your Mortgage is owned by Freddie Mac by checking Freddie Mac’s website at https://myhome.freddiemac.com/resources/loanlookup

Source: Freddie Mac Single-Family Seller/Servicer Guide 4302.2 — Acceptable refinance practices · source URL · snapshot 4c94f67729042dd6

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Source of record: https://claudeforcompliance.com/regs/fhlmc-4302-2/ · register fhlmc-4302-2 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.