Freddie Mac Single-Family Seller/Servicer Guide 8405.1 — 12-month occupancy waiver request

fhlmc-8405-1

Freddie Mac Single-Family Seller/Servicer Guide Section 8405.1 — 12-month occupancy waiver request.

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Verbatim regulatory text (1)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 8405.1 — 12-month occupancy waiver request — 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 8405.1 — 12-month occupancy waiver request

Effective 2025-07-09 · Freddie Mac's stamp for this section

For Mortgages secured by a Borrower’s Primary Residence or a second home, the Fannie Mae/Freddie Mac Single-Family Uniform Security Instrument and the Second Home Rider provides that a Borrower, except as otherwise permitted by the instrument, must occupy the Mortgaged Premises within 60 days of executing the Security Instrument, or as applicable, occupy and use the property as the Borrower’s second home, and continue to occupy the Mortgaged Premises, or as applicable, keep the Property available primarily as a residence for Borrower’s personal use and enjoyment, for at least one year after the date of occupancy or as applicable the date of the Second Home Rider. When Freddie Mac approval is required, the Servicer must document the Borrower’s request and forward a recommendation to Freddie Mac via e-mail to ShortSales@FreddieMac.com. Freddie Mac will review the request, supporting documentation and the Servicer’s recommendation and notify the Servicer of its approval or denial of the request. The Servicer must maintain the Borrower’s request, supporting documentation, if applicable, and Freddie Mac’s decision in the Mortgage file.

Source: Freddie Mac Single-Family Seller/Servicer Guide 8405.1 — 12-month occupancy waiver request · source URL · snapshot 4c94f67729042dd6

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Source of record: https://claudeforcompliance.com/regs/fhlmc-8405-1/ · register fhlmc-8405-1 · 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.