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Id like to go over some updates to our Single-Family Seller/Servicer Guide that youll want to become familiar with. We are increasing the allowed maximum financing for certain Home Possible mortgages. Plus, the TLTV ratio can go as high as 105% when the secondary financing is an Affordable Second. We also removed the requirement that Sellers must have an established Affordable Seconds program in order to be the source of an Affordable Second. Sellers with new programs can now be a source of funding for Affordable Seconds provided the program supports the Community Reinvestment Act requirements and meets all other applicable Guide requirements. Were also enhancing our eligibility requirements for manufactured homes. We will purchase loans financing single-wide manufactured homes located outside of a planned Unit Development or a condominium project, subject to Freddie Macs written approval. Such manufactured homes, which typically sell at a lower price, were previously no