Freddie Mac Single-Family Seller/Servicer Guide 6302.28 — Special delivery requirements for

Construction to Permanent Mortgages and Renovation Mortgages (05/04/26) ■ General requirements ■ Data delivery instructions (a) General requirements See Chapter 4602 for Construction to Permanent Mortgages and Renovation Mortgages. Construction to Permanent Mortgages and Renovation Mortgages must be structured as one of the following transactions: ■ One-Time Close with automatic conversion as described in Section 4602.2(b) ■ One-Time Close with modification agreement as described in Section 4602.2(c) ■ Two-Time Close transaction as described in Section 4602.3 (b) Data delivery instructions The ULDD Data Points and valid values that must be delivered are determined by both: (1) the type of Mortgage (i.e., Construction to Permanent Mortgage or Renovation Mortgage), and (2) the applicable closing transaction structure: ■ One-Time Close with automatic conversion as described in Section 4602.2(b) ■ One-Time Close with modification agreement as described in Section 4602.2(c) ■ Two-Time Close transaction as described in Section 4602.3 (i) All Renovation Mortgages For all Renovation Mortgages, regardless of the transaction structure, the Seller must deliver the following ULDD Data Point: Data Required for All Renovation Mortgages Sort ID ULDD Data Point Valid Value Notes LOAN – Current → Product Information → Product Details 404 Loan Program Identifier1 Renovation 1 For Construction to Permanent Mortgages, this data point is not required. (ii) One-Time Close with automatic conversion For One-Time Close Construction to Permanent Mortgages and Renovation Mortgages with automatic conversion, as described in Section 4602.2(b), the Seller must deliver the following ULDD Data Points: Data Required for One-Time Close with Automatic Conversion Sort ID ULDD Data Point Valid Value Notes PROPERTY →Construction Details 51/52 Construction Method Type / Construction Method Type Other Description (In Loan Selling Advisor, this appears as “Construction Method Type”) ▪ Manufactured ▪ Other – Container ▪ Other – Three Dimensional Printing Technology ▪ Site Built If the valid value for Loan Program Identifier (Sort ID 404) is “Renovation,” enter “Site Built”, “Other - Three Dimensional Printing Technology”, or “Other - Container”, as applicable. LOAN – Closing → Construction Details 167 Construction To Permanent First Payment Due Date Enter the Due Date of the first principal and interest (P&I) payment of the Permanent Financing. This is the same as the Scheduled First Payment Date (Sort ID 272). 165 Construction To Permanent Closing Type One Closing 163 Construction To Permanent Closing Feature Type Automatic Conversion 231 Construction Loan Indicator true 162 Construction Loan Type Construction to Permanent → Note Details 320 Note Date Enter the Note Date of the OneTime Close transaction. 321 Note Rate Percent Enter the rate for the Permanent Financing. (iii) One-Time Close with modification agreement

(A) Permanent Financing data after modification For One-Time Close Construction to Permanent Mortgages and Renovation Mortgages with modification agreements, the Seller must deliver the following ULDD Data Points related to the Permanent Financing in the “Modification” section: Data Required for Permanent Financing After Modification for One-Time Close with Modification Agreement Sort ID ULDD Data Point Valid Value Notes PROPERTY →Construction Details 51/52 Construction Method Type / Construction Method Type Other Description (In Loan Selling Advisor, this appears as “Construction Method Type”) ■ Manufactured ■ Other – Container ■ Other – Three Dimensional Printing Technology ■ Site Built If the valid value for Loan Program Identifier (Sort ID 404) is “Renovation,” enter “Site Built”, “Other - Three Dimensional Printing Technology”, or “Other - Container”, as applicable. LOAN – Modification 252 Loan State Date1 Enter the effective date of the Construction to Permanent Modification Agreement. 253 Loan State Type1, 2 At Modification → Modification Details 259 Loan Modification Effective Date 2 Enter the effective date of the Construction to Permanent Modification Agreement. → Product Details 137 Loan Amortization Period Type Month 138 Loan Amortization Type ▪ Adjustable Rate ▪ Fixed For Mortgages that are ARMs, the Seller must deliver all ULDD Data Points required in Section 6302.7 for the Permanent Financing. → Note Details 319 Note Amount Enter the Note amount for the Permanent Financing. 321 Note Rate Percent Enter the rate for the Permanent Financing. → Construction Details 167 Construction To Permanent First Payment Due Date Enter the Due Date of the first P&I payment after the date of the Construction to Permanent Modification Agreement. This is the same as the Scheduled First Payment Date (Sort ID 272). Data Required for Permanent Financing After Modification for One-Time Close with Modification Agreement Sort ID ULDD Data Point Valid Value Notes 165 Construction To Permanent Closing Type One Closing 163 Construction To Permanent Closing Feature Type Modification Agreement 231 Construction Loan Indicator true 162 Construction Loan Type Construction to Permanent LOAN – Current →Modification Details 397 Mortgage Modification Indicator true 1 This data point name does not appear as a Loan Selling Advisor® input field but instead is reflected in a screen heading or section. 2 This data point must be populated to save the file in Loan Selling Advisor.

(B) Permanent Financing data prior to modification For One-Time Close Construction to Permanent Mortgages and Renovation Mortgages with modification agreements, the Seller must deliver the following ULDD Data Points related to the terms of the Permanent Financing in the Note prior to modification executed at Interim Construction Financing in the “Closing” section: Data Required for Permanent Financing Prior to Modification for One-Time Close with Modification Agreement Sort ID ULDD Data Point Valid Value Notes LOAN – Closing 332 Loan Role Type1 Subject Loan Enter “Subject Loan” to indicate the loan data is the Permanent Financing data prior to modification. 338 Loan State Date1 Enter the Note Date of the One-Time Close transaction. 339 Loan State Type1 At Closing → Product Details 345 Lien Priority Type First Lien 333 Loan Amortization Type ▪ Adjustable Rate ▪ Fixed Enter the amortization type of the Permanent Financing prior to modification. → Note Details Data Required for Permanent Financing Prior to Modification for One-Time Close with Modification Agreement Sort ID ULDD Data Point Valid Value Notes 350 Note Date Enter the Note Date of the One-Time Close transaction. 349 Note Amount Enter the Note amount of the Permanent Financing prior to modification. 1 This data point name does not appear as a Loan Selling Advisor input field but instead is reflected in a screen heading or section. In addition to the data points required above, the Seller must deliver the following ULDD Data Points when an ARM was the Mortgage Product of the Permanent Financing in the Note prior to modification executed at Interim Construction Financing in the “Closing” section: ARM Data Required for Permanent Financing Prior to Modification for One-Time Close with Modification Agreement Sort ID ULDD Data Point Valid Value Notes LOAN – Closing → ARM Details 332.1 Adjustment Rule Type1 First Enter “First” to indicate the associated data is for the initial adjustment structure and interest rate caps of the Permanent Financing prior to modification. 332.2 Per Change Rate Adjustment Frequency Months Count Enter the number of months between the initial rate adjustment and the second rate adjustment caps of the Permanent Financing prior to modification. 337.1 Initial Fixed Period Effective Months Count Enter the number of months for which the interest rate is fixed before the initial interest rate adjustment caps of the Permanent Financing prior to modification. 1 This data point name does not appear as a Loan Selling Advisor input field but instead is reflected in a screen heading or section. (iv) Two-Time Close transaction For Construction to Permanent Mortgages and Renovation Mortgages with TwoTime Close transactions, the Seller must deliver the following ULDD Data Points: Data Required for Two-Time Close Transaction Sort ID ULDD Data Point Valid Value Notes PROPERTY →Construction Details 51/52 Construction Method Type / Construction Method Type Other Description (In Loan Selling Advisor, this appears as “Construction Method Type”) ▪ Manufactured ▪ Other – Container ▪ Other – Three Dimensional Printing Technology ▪ Site Built If the valid value for Loan Program Identifier (Sort ID 404) is “Renovation,” enter “Site Built”, “Other - Three Dimensional Printing Technology”, or “Other - Container”, as applicable. LOAN – Closing → Construction Details 167 Construction To Permanent First Payment Due Date Enter the Due Date of the first P&I payment of the Permanent Financing. This is the same as the Scheduled First Payment Date (Sort ID 272). 165 Construction To Permanent Closing Type Two Closing 163 Construction To Permanent Closing Feature Type New Note 231 Construction Loan Indicator true 162 Construction Loan Type Construction to Permanent → Note Details 320 Note Date Enter the Note Date of the Permanent Financing. 321 Note Rate Percent Enter the rate for the Permanent Financing. → Loan Details Data Required for Two-Time Close Transaction Sort ID ULDD Data Point Valid Value Notes 315 Loan Purpose Type ▪ Refinance ▪ Purchase For Mortgages with Application Received Dates before February 4, 2026, enter “Refinance” or “Purchase”, as applicable. For Mortgages with Application Received Dates on or after February 4, 2026, enter “Refinance”.