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Announcement 2026-070 Freddie Mac Bulletin 2026-12

Announcement 2026-070 Freddie Mac Bulletin 2026-12

Freddie Mac Bulletin 2026-12

Newrez LLC "Newrez" Approved Correspondent Clients, Freddie Mac announced the following updates to the guidelines in Bulletin 2026-12 on September 2, 2026 and are effective immediately.

Automated Income Assessments:

Written Verification of Employment (VOE)

Added a written VOE as eligible documentation for an automated income assessment to determine eligibility for representation and warranty relief for income calculation accuracy.

Automated Income Assessment Using Tax Data

Freddie Mac has removed the requirement that prohibits the use of tax transcripts with an automated assessment of self-employed income for sole proprietorship reported on IRS Schedule C.

Manufactured Homes Moved from another Site: Non-Delegated ONLY 

Guidelines updated to permit Mortgages secured by Manufactured Homes that have been moved from another site, provided the Manufactured Home:

·         Has been inspected to verify structural integrity by a licensed professional engineer or appropriate local, State or federal authority.  The inspection report must be retained in the Mortgage file.

·         Must not be located in a more restrictive wind, roof load and/or thermal zone than the zone for which the home was constructed.

Mortgage proceeds may not be used for paying costs for delivery and setup, anchoring on a permanent foundation system, site development, installation and permanent utility connections, including well and/or septic systems.