Freddie Mac Single-Family Seller/Servicer Guide 4603.4 — Underwriting requirements for super conforming Mortgages
Freddie Mac Single-Family Seller/Servicer Guide section 4603.4 — Underwriting requirements for super conforming Mortgages. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 4603.4 — Underwriting requirements for super conforming 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 4603.4 — Underwriting requirements for super conforming Mortgages
This section contains: ■ General underwriting requirements for all super conforming Mortgages ■ Accept Mortgages ■ Manually Underwritten Mortgages (a) General underwriting requirements for all super conforming Mortgages All super conforming Mortgages must be submitted to Loan Product Advisor®. The Seller must enter the Key Number (which is referred to as the Loan Prospector AUS Key Number in Loan Selling Advisor) in the ULDD Data Point Automated Underwriting Case Identifier for all super conforming Mortgage transactions. (b) Accept Mortgages The Borrower’s credit reputation is acceptable if the Mortgage receives a Risk Class of Accept. (c) Manually Underwritten Mortgages The following super conforming Mortgages must be manually underwritten: ■ Caution Mortgages ■ Mortgages submitted to Loan Product Advisor that did not receive a Risk Class Super conforming Mortgages that are manually underwritten must: ■ Meet the requirements of Topics 5100 through 5500 ■ Meet the minimum Indicator Score requirements in Exhibit 25, Mortgages with Risk Class and/or Minimum Indicator Score Requirements ■ Have an acceptable credit reputation without the use of noncredit payment references
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Source of record: https://claudeforcompliance.com/regs/fhlmc-4603-4/
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