Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees
Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees. Full verbatim text, substring-verified against snapshot e8df61961e3f898f.
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Verbatim provisions from Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees — 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 Bulletin 2026-K (September 30, 2026) — Credit Fees — 1. TOPIC AND SUMMARY OF CHANGES
1. TOPIC AND SUMMARY OF CHANGES Topic Effective date Summary of change Additional resources Credit Fees Effective for Mortgages with Settlement Dates on or after October 1, 2026 Updating Credit Fee grids to align for all Credit Score models Yes
Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees — 2. GUIDE REQUIREMENTS
2. GUIDE REQUIREMENTS Credit Fees In collaboration with FHFA and Fannie Mae, Credit Fee grids will be the same regardless of whether the Indicator Score for the Mortgage is a VantageScore® 4.0 or Classic FICO® Credit Score. Credit Fees will no longer be differentiated based on the Credit Score model with which the Mortgage is delivered. Sellers must allocate Mortgages to contracts in Loan Selling Advisor® with a contract acceptance date on or after October 1, 2026 to be assessed the Credit Fees announced in this Bulletin. For Sellers with negotiated provisions in their Purchase Documents related to the sale of Mortgages with VantageScore 4.0 Credit Scores, the VantageScore 4.0 Credit Fee grids no longer apply. No eligibility requirements related to VantageScore 4.0 Credit Scores announced in Bulletin 2026-H were changed as a result of this update. Guide impact: Exhibit 19
Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees — 3. ADDITIONAL RESOURCES
3. ADDITIONAL RESOURCES Read the Credit Score Playbook for more information on the Credit Score Models and Reports Initiative, including implementation milestones and overall guidance. Additional resources are not part of, or a substitute for, the Guide or other Purchase Documents.
Freddie Mac Bulletin 2026-K (September 30, 2026) — Credit Fees — 4. CONTACT AND SUPPORT
4. CONTACT AND SUPPORT If you have any questions about the changes announced in this Bulletin, please contact your Freddie Mac representative or call Customer Service at 800-FREDDIE. 2 Bulletin Sincerely, Kevin Kauffman Senior Vice President, Single-Family Seller Engagement
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