Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation

Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation

Effective 2026-02-04 · Freddie Mac's stamp for this section

The section contains requirements related to: ■ Age of verifications ■ Age of documentation when data used for Loan Product Advisor® assessments (a) Age of verifications Verifications of information used to evaluate the Borrower’s creditworthiness must be dated no more than 120 calendar days before the Note Date1. Verifications subject to this requirement include verification of: ■ Employment ■ Existence of the business for a self-employed Borrower ■ Income, including current receipt of income ■ Source of funds ■ Payment history For an employed Borrower, the Seller must also confirm the Borrower’s employment by obtaining a 10-day pre-closing verification in accordance with the requirements of Section 5302.2(d). Certain Mortgages are subject to additional age of documentation requirements. Refer to the following Guide sections for requirements: ■ Section 4402.1(c) for Seller-Owned Converted Mortgages and Seller-Owned Modified Mortgages ■ Section 4602.2 for One-Time Close Construction to Permanent Mortgages ■ Section 5302.2(a) for year-to-date paystubs ■ Section 5302.4(b) for tax returns 1For the purposes of this section, all references to the Note Date refer, as applicable, to the: ■ Effective Date of Permanent Financing for Construction to Permanent Mortgages and Renovation Mortgages ■ Modification date for Seller-Owned Modified Mortgages ■ Conversion Date for Seller-Owned Converted Mortgages ■ Assumption agreement date for Mortgages that have been assumed (b) Age of documentation when data used for Loan Product Advisor assessments For Mortgages when data is used for the Loan Product Advisor assessment and a verification report is obtained, the expiration of the verification report reflected in feedback messaging on the Last Feedback Certificate complies with the requirement of Section 5102.4(a) above. Refer to the following table for the Guide sections related to the verification report requirements for Mortgages using automated assessment: Verification requirements for Mortgages using automated assessment Verification report requirements Guide section Mortgages using automated income assessment with Loan Product Advisor using employed income data Section 5303.4 Mortgages using automated asset assessment with Loan Product Advisor using account data Section 5501.8 Mortgages using automated income assessment with Loan Product Advisor using account data for employed income Section 5303.5 Mortgages using automated income assessment with Loan Product Advisor using account data for other income Section 5305.2 Verification requirements for Mortgages using automated assessment Verification report requirements Guide section Mortgages using automated employment assessment with Loan Product Advisor Section 5302.6 Mortgages when rent payment history and Borrower’s cash flow are included in Loan Product Advisor’s assessment Section 5201.1

Source: Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation · source URL · snapshot e399c3dcaab28da0

Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation — PENDING VERSION, takes effect 2026-11-09

Not yet in force. This is the pending version of the section, which takes effect 2026-11-09. The other version on this page governs until then.

Effective 2026-11-09 · Freddie Mac's stamp for this section

The section contains requirements related to: ■ Age of verifications ■ Age of documentation when data used for Loan Product Advisor® assessments (a) Age of verifications Verifications of information used to evaluate the Borrower’s creditworthiness must be dated no more than 120 calendar days before the Note Date1. Verifications subject to this requirement include verification of: ■ Employment ■ Existence of the business for a self-employed Borrower ■ Income, including current receipt of income ■ Source of funds ■ Payment history For an employed Borrower, the Seller must also confirm the Borrower’s employment by obtaining a 10-day pre-closing verification in accordance with the requirements of Section 5302.2(d). Certain Mortgages are subject to additional age of documentation requirements. Refer to the following Guide sections for requirements: ■ Section 4402.1 for Seller-Owned Converted Mortgages ■ Section 4402.4 for Seller-Owned Modified Mortgages ■ Section 4602.2 for One-Time Close Construction to Permanent Mortgages ■ Section 5302.2(a) for year-to-date paystubs ■ Section 5302.4(b) for tax returns 1For the purposes of this section, all references to the Note Date refer, as applicable, to the: ■ Effective Date of Permanent Financing for Construction to Permanent Mortgages and Renovation Mortgages ■ Modification date for Seller-Owned Modified Mortgages ■ Conversion Date for Seller-Owned Converted Mortgages ■ Assumption agreement date for Mortgages that have been assumed (b) Age of documentation when data used for Loan Product Advisor assessments For Mortgages when data is used for the Loan Product Advisor assessment and a verification report is obtained, the expiration of the verification report reflected in feedback messaging on the Last Feedback Certificate complies with the requirement of Section 5102.4(a) above. Refer to the following table for the Guide sections related to the verification report requirements for Mortgages using automated assessment: Verification requirements for Mortgages using automated assessment Verification report requirements Guide section Mortgages using automated income assessment with Loan Product Advisor using employed income data Section 5303.4 Mortgages using automated asset assessment with Loan Product Advisor using account data Section 5501.8 Mortgages using automated income assessment with Loan Product Advisor using account data for employed income Section 5303.5 Mortgages using automated income assessment with Loan Product Advisor using account data for other income Section 5305.2 Mortgages using automated employment assessment with Loan Product Advisor Section 5302.6 Mortgages when rent payment history and Borrower’s cash flow are included in Loan Product Advisor’s assessment Section 5201.1

Source: Freddie Mac Single-Family Seller/Servicer Guide 5102.4 — Age of documentation · source URL · snapshot e399c3dcaab28da0