Freddie Mac Single-Family Seller/Servicer Guide §5602.1 — Collateral representations and warranties (01/26/26)
Freddie Mac Guide §5602.1 (Collateral representations and warranties). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §5602.1 — Collateral representations and warranties (01/26/26) — 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 Guide 5602.1
(01/26/26) 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 this section. This section contains requirements related to: ■ Value warranty ■ Condition warranty ■ Marketability warranty In addition to all other representations and warranties specified in the Seller’s Purchase Documents, the Seller makes the following representations and warranties: (a) Value warranty The Seller represents and warrants that the appraisal accurately reflects the market value of the Mortgaged Premises. Note: See Section 5604.3 for information regarding requirements for Mortgages with Settlement Dates more than 120 days after the Note Date. (b) Condition warranty As of the Settlement Date, the Seller represents and warrants that the Mortgaged Premises is not in C5 or C6 condition. For property types not required to utilize the Uniform Appraisal Dataset condition ratings, the Seller represents that the subject property is in a condition consistent with condition ratings C1 through C4. (c) Marketability warranty
Freddie Mac Guide 5602.1
602-2 As of the Settlement Date, the Seller represents and warrants that the Mortgaged Premises is acceptable to typical purchasers in the subject property’s Market Area.
Freddie Mac Guide 5602.1
Collateral representations and warranties (Future effective date 11/02/26) This section contains requirements related to: ■ Value warranty ■ Condition warranty ■ Marketability warranty In addition to all other representations and warranties specified in the Seller’s Purchase Documents, the Seller makes the following representations and warranties: (a) Value warranty The Seller represents and warrants that the appraisal accurately reflects the market value of the Mortgaged Premises. Note: See Section 5604.3 for information regarding requirements for Mortgages with Settlement Dates more than 120 days after the Note Date. (b) Condition warranty As of the Settlement Date, the Seller represents and warrants that the Mortgaged Premises is not in C5 or C6 condition. (c) Marketability warranty As of the Settlement Date, the Seller represents and warrants that the Mortgaged Premises is acceptable to typical purchasers in the subject property’s Market Area.