Freddie Mac Single-Family Seller/Servicer Guide 4702.7 — Title insurance requirements for HeritageOne® Mortgages
Freddie Mac Single-Family Seller/Servicer Guide section 4702.7 — Title insurance requirements 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 4702.7 — Title insurance requirements 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 4702.7 — Title insurance requirements for HeritageOne® Mortgages
The following title insurance requirements apply to HeritageOne® Mortgages: HeritageOne Mortgages Land ownership interest Title insurance requirements Tribal trust land or allotted trust land Although Section 4702.1 provides otherwise, title insurance is not required for leasehold Mortgages, including where there is a Condominium Unit or Manufactured Home on the leasehold estate and/or the leasehold estate is subject to restrictive agreements or restrictive covenants, if: ◼ A certified title status report(s) is obtained from the U.S. Department of the Interior Bureau of Indian Affairs (BIA) and, if applicable, any other land claims recordation system maintained by the Eligible Native American Tribe (as defined in Section 4504.2(c)); and ◼ All other requirements of Chapter 4702 are met The effective date of the title status report(s) must be no more than 365 days before the Delivery Date. If the Seller elects to purchase title insurance, the cost may not be passed to the Borrower. Land that is owned in fee simple In addition to meeting all requirements of Chapter 4702, the title insurance policy may not make any specific exclusion or exception for the laws, ordinances or regulations of the Eligible Native American Tribe. An attorney opinion of title letter is not acceptable in lieu of a title insurance policy. See Chapter 4504 for additional requirements for HeritageOne Mortgages.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-4702-7/
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