Resources for Responsible Lending

Focus on Credit, Capacity and Collateral

Focusing on credit, capacity, and collateral – the "three C’s" of underwriting, is key to delivering high quality loans.

Credit
Capacity
Collateral

Credit

Learn how to assess a borrower's credit using an automated underwriting system like Loan Product Advisor^® or by manually underwriting the loan.

Credit Resources

Explore our learning resources to learn more about assessing a borrower's credit profile.

Capacity

Learn how to analyze and document a borrower's assets, acceptable sources of funds, income and employment history.

Capacity Resources

Explore our learning resources to learn more about assessing the borrower's capacity.

Collateral

Improve proficiency in reviewing appraisal or property inspection reports to meet Freddie Mac requirements.

Collateral Resources

Explore our learning resources to learn more about reviewing collateral and the valuation methods.

Improve Your Loan Manufacturing

Having a rigorous post-funding quality control program and sound pre-funding quality control practices will help prevent mortgage fraud and deliver high-quality loans.

Quality Control and Fraud Prevention
Meeting Purchase Requirements

Quality Control and Fraud Prevention

Review the resources below to help better understand our quality control and fraud prevention processes.

Quality Control Overview

Effective QC programs are essential to your success in the mortgage industry.

Fraud Prevention

Freddie Mac Seller/Servicers play an important role in preventing, detecting and investigating potential mortgage fraud and other suspicious activity.

The Key to Strengthening Loan Quality

Responsible lending requires a combination of strong loan attributes and solid underwriting processes, along with having processes in place to ensure the right data is collected, verified, and complies with our guidelines.

Meeting Purchase Requirements

Learn how Loan Product Advisor and Loan Quality Advisor provide greater confidence that the loans you sell to Freddie Mac meet our purchase requirements.

Loan Product Advisor^®

Loan Product Advisor ^® (LPA ^®) is Freddie Mac’s automated underwriting system (AUS) designed to provide greater certainty that loans meet Freddie Mac eligibility requirements.

Loan Quality Advisor^®

Loan Quality Advisor provides you with information about Freddie Mac’s risk assessment and eligibility requirements at the point in the process when it is most useful to you.

Learn More About Freddie Mac Gateway

Freddie Mac Gateway is the entry point to access the Single-Family tools you need to manage your loans throughout the entire mortgage lifecycle. This all-inclusive platform streamlines your workflow.

Subscription Center

Get and stay connected with Freddie Mac Single-Family. Subscribe to our emails and we'll send the information that you want straight to your email inbox.

Freddie Mac Gateway®