Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels
Freddie Mac Single-Family Seller/Servicer Guide section 5601.6 — Eligibility of a property with two or more adjoining parcels. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels — 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 Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels (part 1 of 2)
Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of Section 5605.4. When the Mortgaged Premises includes two or more parcels of real estate, the following requirements apply: ■ The parcels must be adjoining. Exception: Parcels that would otherwise be adjoined but are separated by a road (e.g., a waterfront property where the parcel without the residence offers access to the water) are eligible if the parcel without the residence is non-buildable but may include non-residential improvements such as a garage or dock and the Seller provides evidence in the Mortgage file that the parcel without the residence cannot be improved with a dwelling. ■ The Mortgaged Premises must contain only one residence. (An ADU is allowed only on the parcel that contains the residence if the eligibility requirements of Section 5601.2 are met.) ■ The Mortgage must be a valid First Lien on each parcel ■ Each parcel must have the same basic zoning (e.g., residential or agricultural) ■ Each parcel must be conveyed in its entirety ■ The site description must accurately describe the land and any improvements included on each of the parcels ■ The residence or improvements may be built across the lot lines ■ Non-residential improvements such as garages or outbuildings are acceptable on any parcel In addition, the appraiser must consider how the existence of two or more parcels, adjoining or not, influence the value use and marketability of the property.
Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels (part 2 of 2)
Effective November 2, 2026, Section 5601.6 is deleted. See Section 5605.4 for information related to eligibility of a property with two or more adjoining parcels.
Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 5601.6 — Eligibility of a property with two or more adjoining parcels
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.
Source of record: https://claudeforcompliance.com/regs/fhlmc-5601-6/
· register fhlmc-5601-6 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.