Freddie Mac Seller/Servicer Guide 4406.5: Determining value to calculate the LTV, TLTV and HTLTV ratios on Mortgages secured by properties subject to resale restrictions
Effective for Mortgages with Application Received Dates on or after March 3, 2026.
Freddie Mac publishes the full text of this section: Freddie Mac Seller/Servicer Guide 4406.5 on the Freddie Mac website. Zeitro Strata answers questions about it with the passage and page cited.
What this section covers
- (a) Value when resale restrictions survive foreclosure or recordation of a deed-in-lieu of foreclosure
- (b) Value when resale restrictions terminate upon foreclosure (or expiration of any applicable legally required foreclosure redemption period) or recordation of a deed-in-lieu of foreclosure
Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.