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

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

5102.4: Age of documentation (02/04/26) 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: Freddie Mac Single-Family Seller/Servicer Guide Chapter 5102 As of 03/01/26 Page 5102-9 ■ 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: Freddie Mac Single-Family Seller/Servicer Guide Chapter 5102 As of 03/01/26 Page 5102-10 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 Freddie Mac Single-Family Seller/Servicer Guide Chapter 5103 As of 02/04/26 Page 5103-1 Chapter 5103: Special Borrower Eligibility 5103.1: Mortgages including a non-occupying Borrower (10/01/25) When a Mortgage includes a non-occupying Borrower, all of the following apply: ■ The Mortgage must be a purchase or “no cash-out” refinance transaction ■ The non-occupying Borrower must not be an interested party to the transaction (for example, the builder, property seller, real estate agent or broker) ■ The funds used to qualify for the Mortgage may come from the occupant and/or the non- occupant Borrower The following requirements for specific underwriting methods also apply: ■ For Accept Mortgages: ❑ The loan-to-value (LTV) ratio must not exceed 95% ❑ Calculation or evaluation of the occupant Borrower’s monthly housing expense-to- income ratio or the occupant Borrower’s monthly debt payment-to-income ratio is not required ■ For Manually Underwritten Mortgages: ❑ The LTV ratio must not exceed 90% ❑ The occupant Borrower’s monthly housing expense-to-income ratio should not exceed 35% of their stable monthly income and/or qualifying asset amount as described in Section 5307.1(b), and the occupant Borrower’s monthly debt payment-to-income ratio must not exceed 43% of their stable monthly income and/or qualifying asset amount as described in Section 5307.1(b) Note: A Mortgage is considered to be secured by a Primary Residence when the Mortgaged Premises is occupied as a Primary Residence by an individual(s) who is the Borrower’s parent(s) or an individual(s) who has a disability and the Borrower is their parent or legal guardian. Refer to Section 4201.11 for additional information. Refer to the following Guide provisions for additional information related to non-occupying Borrowers: Freddie Mac Single-Family Seller/Servicer Guide Chapter 5103 As of 02/04/26 Page 5103-2 Other Guide provisions related to non-occupying Borrowers Guide provision Guide location Special eligibility and underwriting requirements for Refi Possible® Mortgages Section 4302.5 Eligible Borrowers for Home Possible® Mortgages Section 4501.4 When a non-occupying Borrower is an endorser, guarantor or surety Section 5103.3 Eligible Borrowers for HeritageOne® Mortgages Section 4504.3 5103.2: Permanent and nonpermanent resident aliens (07/02/25) A non-U.S. citizen who is lawfully residing in the United States as a permanent or nonpermanent resident alien is eligible for a Mortgage on the same terms as a U.S. citizen. A Mortgage to a non-U.S. citizen who has no lawful residency status in the United States is not eligible for sale to Freddie Mac.

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