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User IDs and Roles Form - Freddie Mac

User IDs and Roles Form - Freddie Mac 2025

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The document outlines the responsibilities and procedures for custodians managing access to the Freddie Mac Selling System. It details the custodian's obligation to safeguard user credentials, notify Freddie Mac of any security breaches or employee terminations, and provides instructions for completing a User IDs and Roles Form. The form includes sections for contact information, user details, role assignments, and submission instructions.

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What metrics does Freddie Mac consider in its underwriting process?

The underwriting of the Borrowers creditworthiness and capacity (e.g., Borrowers income, Borrower credit/liabilities and Borrower assets) or Borrower eligibility and qualification (e.g., Area Median Income, First-Time Homebuyer, lawful presence in the United States)

What are the DTI requirements for Freddie Mac?

If the Borrowers monthly DTI ratio exceeds 45%, the Mortgage is ineligible for sale to Freddie Mac. As a guideline, the monthly DTI ratio should not be greater than 36% of the Borrowers stable monthly income.

What are the different user roles in Freddie Mac?

There are three main Freddie Mac Access Manager user role types; Administrators, Certification Users, and Application Users (general users).

What is occupancy within 60 days?

The basic rule of thumb to know is the FHA policy for occupancy which requires at least one borrower obligated on the mortgage to take up residence in the home as the primary residence within a reasonable time of loan closing, typically 60 days.

What are the occupancy requirements for Freddie Mac?

Freddie Mac Small Balance Loans have minimum occupancy requirements that must be met in order for a borrower to be approved. For most properties, this is set at 90% physical occupancy for 90 days before the loan is underwritten.

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Which occupancy type s is or are allowable under Freddie Mac guidelines for loans secured by manufactured housing?

Occupancy. A Mortgage secured by a multiwide Manufactured Home must be a Primary Residence or a second home. A Mortgage secured by a single-wide Manufactured Home must be a Primary Residence.

Does Freddie Mac lend directly to individuals?

Freddie Mac operates in the U.S. secondary mortgage market. That means we dont lend directly to borrowers but buy loans that meet our standards from approved lenders. With the money that lenders receive in return, they can make loans to other qualified borrowers.

Does Freddie Mac allow a non-occupant co-borrower?

For 1-unit properties, including Manufactured Homes, non-occupying Borrowers are permitted. Funds used to qualify for the Mortgage transaction may come from the occupying and/or non-occupying Borrower. For 2- to 4-unit properties, all Borrowers must occupy the Mortgaged Premises as their Primary Residence.

User IDs and Roles Form - Freddie Mac 2025

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The best way to modify User IDs and Roles Form - Freddie Mac in PDF format online

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Got questions?

What metrics does Freddie Mac consider in its underwriting process?

What are the DTI requirements for Freddie Mac?

What are the different user roles in Freddie Mac?

What is occupancy within 60 days?

What are the occupancy requirements for Freddie Mac?

Complete this form in 5 minutes or less

People also ask

Which occupancy type s is or are allowable under Freddie Mac guidelines for loans secured by manufactured housing?

Does Freddie Mac lend directly to individuals?

Does Freddie Mac allow a non-occupant co-borrower?

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