Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels
Freddie Mac Single-Family Seller/Servicer Guide section 5601.6 — Eligibility of a property with two or more adjoining parcels. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels — 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 5601.6 — Eligibility of a property with two or more adjoining parcels
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 Section 5605.4. When the Mortgaged Premises includes two or more parcels of real estate, the following requirements apply: ■ The parcels must be adjoining. Exception: Parcels that would otherwise be adjoined but are separated by a road (e.g., a waterfront property where the parcel without the residence offers access to the water) are eligible if the parcel without the residence is non-buildable but may include non-residential improvements such as a garage or dock and the Seller provides evidence in the Mortgage file that the parcel without the residence cannot be improved with a dwelling. ■ The Mortgaged Premises must contain only one residence. (An ADU is allowed only on the parcel that contains the residence if the eligibility requirements of Section 5601.2 are met.) ■ The Mortgage must be a valid First Lien on each parcel ■ Each parcel must have the same basic zoning (e.g., residential or agricultural) ■ Each parcel must be conveyed in its entirety ■ The site description must accurately describe the land and any improvements included on each of the parcels ■ The residence or improvements may be built across the lot lines ■ Non-residential improvements such as garages or outbuildings are acceptable on any parcel In addition, the appraiser must consider how the existence of two or more parcels, adjoining or not, influence the value use and marketability of the property.
Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels — 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.
Effective November 2, 2026, Section 5601.6 is deleted. See Section 5605.4 for information related to eligibility of a property with two or more adjoining parcels.
Get this regulation in your AI window
Bulletins replace Guide sections, and the old text stays widely quoted. An assistant will answer from a version a later Bulletin already retired.Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.
Open in Claude Open in ChatGPT
Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.
Get notified if this rule changes
One email when Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels changes: what changed, the new verbatim text, and the effective date. Nothing else.
Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.
Source of record: https://claudeforcompliance.com/regs/fhlmc-5601-6/
· register fhlmc-5601-6 · 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.