Freddie Mac Seller/Servicer Guide 4203.1: Loan-to-value (LTV), total LTV (TLTV) and Home Equity Line of Credit (HELOC) TLTV (HTLTV) ratios and maximum loan amounts
Effective for Mortgages with Application Received Dates on or after August 3, 2026.
Freddie Mac publishes the full text of this section: Freddie Mac Seller/Servicer Guide 4203.1 on the Freddie Mac website. Zeitro Strata answers questions about it with the passage and page cited.
What this section covers
- (a) Calculating LTV, TLTV and HTLTV ratios
- (b) Maximum LTV, TLTV and HTLTV ratios
- (c) Maximum original loan amounts
Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.