Freddie Mac Single-Family Seller/Servicer Guide 4407.1 — Eligibility of properties impacted by a disaster
Freddie Mac Guide §4407.1 (Eligibility of properties impacted by a disaster). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 4407.1 — Eligibility of properties impacted by a disaster — 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 4407.1 — Eligibility of properties impacted by a disaster
Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this section. This section contains requirements related to: ■ Property eligibility ■ Condition of the Mortgaged Premises (a) Property eligibility The Seller represents and warrants that each property securing a Mortgage sold to Freddie Mac meets the property eligibility requirements in the Purchase Documents, including, but not limited to, the collateral representation and warranty requirements regarding the value, condition and marketability of the Mortgaged Premises in Section 5602.1. The Seller must have policies and procedures in place to assess whether there has been any adverse effect on the Mortgaged Premises that needs to be addressed before the Mortgage is eligible for delivery to Freddie Mac. If the Mortgage is a Condominium Unit Mortgage, the Seller’s assessment should include damage to Condominium Project Common Elements, separate from any specific Condominium Unit damage. (b) Condition of the Mortgaged Premises For a Mortgage secured by a property impacted by a disaster to be eligible for sale to Freddie Mac: ■ The property damage must not have impacted the safety, soundness or structural integrity of the Mortgaged Premises ■ The Seller must ensure all damage is documented and is covered by insurance as required in Chapter 4703 If the property securing the Mortgage has been damaged such that the damage impacts the safety, soundness or structural integrity of the Mortgaged Premises, the property is not acceptable as security for the Mortgage, and the Mortgage is not eligible for sale to Freddie Mac until all repairs to the property are documented and completed.
Freddie Mac Single-Family Seller/Servicer Guide 4407.1 — Eligibility of properties impacted by a disaster — PENDING VERSION, takes effect 2026-11-02
Not yet in force. This is the pending version of the section, which takes effect 2026-11-02. The other version on this page governs until then.
(Future effective date 11/02/26) This section contains requirements related to: ■ Property eligibility ■ Condition of the Mortgaged Premises (a) Property eligibility The Seller represents and warrants that each property securing a Mortgage sold to Freddie Mac meets the property eligibility requirements in the Purchase Documents, including, but not limited to, the collateral representation and warranty requirements regarding the value, condition and marketability of the Mortgaged Premises in Section 5602.1. The Seller must have policies and procedures in place to assess whether there has been any adverse effect on the Mortgaged Premises that needs to be addressed before the Mortgage is eligible for delivery to Freddie Mac. If the Mortgage is a Condominium Unit Mortgage, the Seller’s assessment should include damage to Condominium Project Common Elements, separate from any specific Condominium Unit damage. (b) Condition of the Mortgaged Premises For a Mortgage secured by a property impacted by a disaster to be eligible for sale to Freddie Mac: ■ The property damage must not have impacted the soundness or structural integrity of the Mortgaged Premises ■ The Seller must ensure all damage is documented and is covered by insurance as required in Chapter 4703 If the property securing the Mortgage has been damaged such that the damage impacts the soundness or structural integrity of the Mortgaged Premises, the property is not acceptable as security for the Mortgage, and the Mortgage is not eligible for sale to Freddie Mac until all repairs to the property are documented and completed.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-4407-1/
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