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FANNIE or FREDDIE? A SidebySide Comparison www.ImpacWholesale.com ELIGIBILITY MATRIX (LTV/CTV/HCL TV) OCCUPANCYUnitsPurchase or Rate/Term FNMA FHLMCCashOut FNMA FHLMCFREDDIE OWNED R/T RefinanceIMPAC
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How to fill out freddie mac ltv matrix

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How to fill out Freddie Mac LTV matrix?

01
Understand the purpose of the Freddie Mac LTV matrix. The matrix is used to determine the loan-to-value (LTV) ratio for mortgage loans that Freddie Mac will purchase or securitize. It helps lenders assess the risk associated with the loan.
02
Gather all necessary information. You will need details about the borrower, the property, and the loan terms. This includes the borrower's credit score, income, and debt-to-income ratio, as well as details about the property's value and location.
03
Determine the loan purpose. The Freddie Mac LTV matrix is categorized based on different loan purposes, such as purchase, rate and term refinance, and cash-out refinance. Identify the specific purpose of the loan you are evaluating.
04
Identify the loan characteristics. Determine the loan term, the loan product (fixed-rate or adjustable-rate), and any additional features, such as balloon payments or interest-only periods. These characteristics will affect the LTV requirements.
05
Apply the appropriate LTV requirements from the matrix. Based on the loan purpose and characteristics, locate the corresponding LTV range in the matrix. This will provide you with the maximum LTV allowed for that specific loan.

Who needs Freddie Mac LTV matrix?

01
Mortgage lenders and originators utilize the Freddie Mac LTV matrix to determine the maximum loan-to-value ratio eligible for mortgage loans that will be sold to or securitized by Freddie Mac. It helps them assess the risk associated with the loan and ensure compliance with Freddie Mac's guidelines.
02
Investors or financial institutions interested in purchasing mortgage-backed securities (MBS) securitized by Freddie Mac may also refer to the LTV matrix. It provides them with valuable information about the loan-to-value ratios of the underlying mortgage loans within the MBS pool, aiding their investment decision-making process.
03
Borrowers or potential homeowners may indirectly benefit from the Freddie Mac LTV matrix. Lenders using this matrix to assess loan eligibility and risk may provide borrowers with loans that are within the maximum LTV limits prescribed by Freddie Mac. This can help borrowers secure financing for the purchase or refinance of a home.
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The Freddie Mac LTV Matrix is a guideline used to determine the maximum allowable loan-to-value ratios for various mortgage products based on specific borrower qualifications and property types.
Lenders and mortgage servicers who originate and sell loans to Freddie Mac are required to file the Freddie Mac LTV Matrix to ensure compliance with their underwriting guidelines.
To fill out the Freddie Mac LTV Matrix, lenders must input essential details such as the loan amount, property type, borrower credit score, and the purpose of the loan, then refer to the matrix to determine the permissible LTV ratio.
The purpose of the Freddie Mac LTV Matrix is to provide a structured framework for determining the risk associated with lending based on the LTV ratio, ensuring responsible lending practices and reducing financial risk.
The information that must be reported on the Freddie Mac LTV Matrix includes the property address, loan amount, property type, borrower's credit score, loan purpose, and the calculated LTV ratio.
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