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What three requirements must be met to exclude a mortgage debt as paid by others on a Freddie Mac?

A party other than the Borrower has been making timely payments for the most recent 12 months. When a Mortgage payment is being excluded, the party making the Mortgage payments must be obligated on the Note. The party making the payments is not an interested party to the subject real estate or Mortgage transaction*

What are the requirements for a Freddie Mac loan?

Freddie Mac outlines several eligibility criteria for borrowers including: A credit score of 660 or higher. A debt-to-income rate of 43% or lower. A down payment of 3% Proof of stable employment and income. A combined income for all borrowers of no more than 80% of the areas median income.

How does Freddie Mac treat charge offs?

Freddie Macs approval of a charge-off request ceases collection efforts on a delinquent Mortgage when the debt is deemed to be uncollectible or that a foreclosure should not be completed. In most cases, a charge-off will be accompanied by a lien release and cancelation of the Note (see Section 9210.4).

Does Freddie Mac require medical collections to be paid off?

Collections are not required to be paid off by Freddie Mac, but may be a requirement of the lender. Tax Liens and judgments must be paid and funds must be verified, in addition to the funds required to close.

What are the guidelines for Freddie Mac DTI?

As a guideline, the monthly debt payment-to-income ratio should not be greater than 33% to 36% of the Borrowers stable monthly income. When the Borrowers monthly debt payment-to-income ratio exceeds 36%, the Seller must document in the file the justification for the higher qualifying ratio.

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What is a 45 day solicitation letter?

Servicers must send a Borrower Solicitation Package to borrowers who are 31 days or more delinquent no later than the 45th day after the due date of an unpaid monthly installment, if quality right party contact and a resolution to the Delinquency have not been achieved.

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What three requirements must be met to exclude a mortgage debt as paid by others on a Freddie Mac?

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