Freddie Mac Update for ACE & ACE + PDR Expansion

The following update is effective for LPA submissions & resubmissions on or after February 24, 2025

Freddie Mac

Topic

Previous Guideline

New Guideline

Expansion of Automated Collateral Evaluation (ACE) Eligibility

Mortgage purpose	Occupancy type	Maximum LTV/TLTV ratios
Purchase	Primary Residence or second home	80%

Mortgage purpose	Occupancy type	Maximum LTV/TLTV ratios
Purchase	Primary Residence or second home	90%

Expansion of Automated Collateral Evaluation + Property Data Report (ACE+PDR) Eligibility

Mortgage purpose	Occupancy type	Maximum LTV/TLTV ratios
Purchase	Primary Residence or second home	80%

Mortgage purpose	Occupancy type	Maximum LTV/TLTV ratios
Purchase	Primary Residence or second home	Program Limits

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