SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.6 — Mortgage clause
SUPERSEDED — this is the PRIOR text of Freddie Mac Guide Section 4703.6 (Mortgage clause), dated 07/09/25, as published in the Guide as of Bulletin 2026-11 (August 12, 2026). Freddie Mac moved this section's requirements: the Guide as of Bulletin 2026-13 (October 7, 2026) carries them in Section 4703.7 (Bulletin 2026-I (September 16, 2026)), and Section 4703.6 now holds "Fidelity or employee dishonesty insurance for Condominium Projects and Cooperative Projects". Freddie Mac states that Bulletin 2026-I's refactoring of Chapters 2101 and 4703 changed no requirements. Retained because a loan or exam period governed by the earlier text needs the version in force at the time.
Superseded — retained for reference. The operative requirements have moved to the current rule (see the description above).
Verbatim regulatory text
Verbatim provisions from SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.6 — Mortgage clause — each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.
[SUPERSEDED] Freddie Mac Single-Family Seller/Servicer Guide 4703.6 — Mortgage clause
Effective June 10, 2020, the content of this section has moved from Section 8202.1(b). All policies documenting insurance coverage(s) obtained in accordance with Freddie Mac’s requirements for 1- to 4-unit properties must have the insurance industry’s standard mortgage clause. Such clause must provide that the insurer will notify the named mortgagee at least 10 days before cancelation of the policy. If the Mortgage is owned by Freddie Mac, “(name of Seller/Servicer), its successors and assigns” should be named as mortgagee instead of Federal Home Loan Mortgage Corporation. In deed-oftrust jurisdictions, the mortgagee should be designated as “(name of Seller/Servicer), its successors and assigns, beneficiary.” If the Federal Home Loan Mortgage Corporation must be named as mortgagee, the endorsement must show the Seller’s address in lieu of Freddie Mac’s, as shown in the example below: FEDERAL HOME LOAN MORTGAGE CORPORATION C/O ABC SAVINGS AND LOAN ASSOCIATION 100 MAIN STREET HOMETOWN USA 12345 If the Mortgage is registered with MERS® and is originated naming MERS as the original mortgagee of record, under no circumstances may MERS be named as loss payee on any property insurance policy. Regardless of how the mortgage clause is endorsed, or if the Mortgage is registered with MERS, the Seller/Servicer must arrange for all insurance drafts, notices, policies, invoices, etc. to be delivered directly to the Seller/Servicer. Although the MERS address appears in county land records, the address for MERS must not be given to organizations that normally direct mail to the Seller/Servicer or subservicer. When a mortgage clause is not applicable (e.g., in a separate policy of commercial general liability), a certificate of insurance must be provided to the Seller/Servicer. This certificate must contain the information required for certificates or other evidence of insurance in Section 8202.4, with the Seller/Servicer named as certificate holder instead of mortgagee.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-4703-6-superseded-2026-10/
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