SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
SUPERSEDED — this is the PRIOR text of Freddie Mac Guide Section 5103.3 (Endorser, guarantor and surety), dated 07/02/25, as published in the Guide as of Bulletin 2026-11 (August 12, 2026). Freddie Mac changed this section: the Guide as of Bulletin 2026-13 (October 7, 2026) carries a revised text (Bulletin 2026-12 (September 2, 2026)). 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Superseded — retained for reference.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Verbatim provisions from SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety — 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[SUPERSEDED] Freddie Mac Single-Family Seller/Servicer Guide 5103.3 — Endorser, guarantor and surety
A Mortgage with a personal endorser, guarantor and/or surety may be eligible for purchase by Freddie Mac provided the following requirements are met: ■ The endorsement, guaranty or surety agreement must not be qualified or limited in any manner ■ The endorser, guarantor or surety must not be an interested party to the transaction (for example, the builder, property seller, real estate agent or broker) Endorsers, guarantors and sureties who do not occupy the Mortgaged Premises must comply with all requirements for non-occupying Borrowers, including those in Section 5103.1.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-5103-3-superseded-2026-10/
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