Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages (02/05/25)
Freddie Mac Guide §4603.1 (Definition of super conforming Mortgages). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §4603.1 — Definition of super conforming Mortgages (02/05/25) — 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 Guide 4603.1
(02/05/25) Super conforming Mortgages are Mortgages that are secured by properties located in High-Cost Areas and have original loan amounts meeting the loan limits in Section 4603.2.
Freddie Mac Guide 4603.1
Minimum and maximum original loan amounts for super conforming Mortgages (01/01/26) The following minimum and maximum original loan amounts apply to Mortgages secured by properties in High-Cost Areas (“super conforming Mortgages”) that have Freddie Mac Funding Dates or Settlement Dates on or after January 1, 2026 and on or before December 31, 2026: Minimum/maximum original loan amounts for super conforming Mortgages Units Properties in the 48 contiguous States, the District of Columbia and Puerto Rico Properties in Alaska, Hawaii, Guam and the U.S. Virgin Islands** Minimum loan amount Maximum loan amount Minimum loan amount Maximum loan amount Permanent (HERA)* Permanent (HERA)* 1 $832,751 $1,249,125 $1,249,126 $1,873,675 2 $1,066,251 $1,599,375 $1,599,376 $2,399,050 3 $1,288,801 $1,933,200 $1,933,201 $2,899,800 4 $1,601,751 $2,402,625 $2,402,626 $3,603,925 *These are the maximum potential loan limits for designated High-Cost Areas, as determined under the provisions of the Housing and Economic Recovery Act of 2008 (HERA). Actual loan limits are established for each county (or equivalent) and the loan limits for specific High-Cost Areas may be lower. The original principal balance of a Mortgage must not exceed the maximum loan limit for the specific area in which the Mortgaged Premises is located.
Freddie Mac Guide 4603.1
603-2 For specific loan limits for each High-Cost Area, as released by FHFA, visit: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx. **The only two counties in Alaska, Hawaii, Guam and the U.S. Virgin Islands that are High-Cost Areas in 2026 are Maui and Kalawao. For super conforming Mortgages, the Seller must use the loan amount of the Mortgage stated in the Note to determine compliance with the maximum loan limits stated above.
Freddie Mac Guide 4603.1
Eligible and ineligible super conforming Mortgages (04/12/26) This section contains requirements related to: ■ Eligible Mortgages ■ Ineligible Mortgages (a) Eligible Mortgages A super conforming Mortgage must be a: ■ Fixed-rate Mortgage, or ■ 5/6-Month, 7/6-Month or 10/6-Month ARM (b) Ineligible Mortgages Super conforming Mortgages must not be: ■ ARMs with Initial Periods of less than five years ■ Government Mortgages ■ HeritageOne® Mortgages ■ Home Possible® Mortgages ■ HomeOne® Mortgages ■ Mortgages secured by a Manufactured Home ■ Seller-Owned Converted Mortgages ■ Seller-Owned Modified Mortgages
Freddie Mac Guide 4603.1
Underwriting requirements for super conforming Mortgages (08/06/25) 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
Freddie Mac Guide 4603.1
Appraisal requirements for super conforming Mortgages (02/04/26) The Seller must obtain an appraisal that meets Freddie Mac requirements unless the Last Feedback Certificate includes an automated collateral evaluation (ACE) offer stating that the Mortgage is eligible for collateral representation and warranty relief with ACE or ACE+ PDR and the Seller has accepted the offer. Refer to Section 5602.3 for more information on ACE or Section 5602.4 for information on ACE+ PDR.
Freddie Mac Guide 4603.1
Delivery and pooling requirements for super conforming Mortgages (02/05/25) Refer to Section 6302.31 for delivery and pooling requirements for super conforming Mortgages.