Freddie Mac Single-Family Seller/Servicer Guide 4504.3 — Eligible Borrowers for HeritageOne® Mortgages

fhlmc-4504-3

Freddie Mac Single-Family Seller/Servicer Guide section 4504.3 — Eligible Borrowers for HeritageOne® Mortgages. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.

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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 4504.3 — Eligible Borrowers for HeritageOne® Mortgages — 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 4504.3 — Eligible Borrowers for HeritageOne® Mortgages

Effective 2026-02-04 · Freddie Mac's stamp for this section

This section contains requirements related to: ■ Eligible Borrowers ■ Borrower income ■ Occupancy ■ Ownership of other property (a) Eligible Borrowers At least one Borrower must: ■ Be an enrolled member of a Native American Tribe, which may be a Native American Tribe other than the Eligible Native American Tribe within whose Tribal Area the Mortgaged Premises is located; and ■ Occupy the Mortgaged Premises as their Primary Residence Note: The Borrower cannot be a Native American Tribe. (b) Borrower income Borrowers are not subject to maximum income limits. (c) Occupancy The following occupancy requirements apply to HeritageOne® Mortgages: ■ For 1-unit properties, including Manufactured Homes, non-occupying Borrowers are permitted. Funds used to qualify for the Mortgage transaction may come from the occupying and/or non-occupying Borrower. ■ For 2- to 4-unit properties, all Borrowers must occupy the Mortgaged Premises as their Primary Residence (d) Ownership of other property As of the Note Date or, for Construction to Permanent Mortgages and Renovation Mortgages, the Effective Date of Permanent Financing, occupying Borrowers must not have an ownership interest in more than two financed residential properties, including the subject property.

Source: Freddie Mac Single-Family Seller/Servicer Guide 4504.3 — Eligible Borrowers for HeritageOne® Mortgages · source URL · snapshot 4c94f67729042dd6

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Source of record: https://claudeforcompliance.com/regs/fhlmc-4504-3/ · register fhlmc-4504-3 · 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.