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{"sheet":"Red Lined Version","index":0,"n_rows":84,"n_cols":17,"rows_kept":84,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,0,1,4],[3,0,3,4],[10,0,10,4]]}
["Cash Underwriting Checklist"]
["This checklist indicates all documents to be submitted to Freddie Mac in underwriting packages for Conventional Mortgages. See Chapter 55 of the Multifamily Seller/Servicer Guide for a description of and detailed requirements for the delivery of each document."]
[null,null,null,null,null,null,"Check Box"]
["Property & Transaction Details",null,null,null,null,null,"Drop Down"]
[]
["Delivery","Transaction Type","Specialty Product?","Select All That Apply:","<----- Radio Buttons",null,"Fill in"]
["ERL or STD","ACQ, REFI or SUPPL","SH, STUDENT, MHC, TAH","a","LIHTC/LURA in place"]
[null,null,null,"b","Property was built within the past 12 months"]
[null,null,null,"c","Sponsor has submitted an underwriting package within the past 12 months"]
[]
["Underwriting Package Requirements"]
[]
["Uploaded","Not Uploaded or N/A","Comments","*THIS COLUMN ONLY SHOWS IF ERL","Document","STD","ERL","Acq.","Refi.","Suppl.","TAH","Seniors","Student","MHC","LIHTC/LURA","Built Past 12 mos.","UW Pkg. Last 12 mos."]
["[Blank/Yes/No]","[Blank/Yes/No]","[TEXT]","Prelim UW","Completed Underwriting Checklist","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Mortgage transaction narrative analysis","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Seller's pro forma property financial statements","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Property inspection documentation, photographs, aerial photograph and maps","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Organizational charts – Borrower, guarantor, SPE Equity Owner and any other Borrower Principals","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Rent roll – certified","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Historical property financial statements - certified","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Current property financial statements (T-12 format) - certified","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Borrower’s budgeted property financial statements - certified","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Borrower and Borrower Principal Certificate – Form 1115","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Borrower Certification of Physical and Environmental Property Condition – Form 1117","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","OFAC compliance certificate","X","X","X","X","X","N/A","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","FHFA SCP compliance certificate","X","X","X","X","X","N/A","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Seller's certification regarding the Freddie Mac Exclusionary List","X","X","X","X","X","N/A","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Flood zone determination (FZD)","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","If sponsor has not submitted an underwriting package within the past 12 months, Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage – Form 1133 and other insurance documentation described in Guide Chapter 55","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","If sponsor has not submitted an underwriting package within the past 12 months, Real Estate Schedule – Form 1116","X","X","X","X","X","X","X","X","X","X","X","N/A"]
[null,null,null,"Prelim UW","If sponsor has not submitted an underwriting package within the past 12 months, Real Estate Schedule – Form 1116, or Borrower Certification of No Change - Form 1147","X","X","X","X","X","X","X","X","X","X","X","N/A"]
[null,null,null,"Prelim UW","Seniors Housing management assessment","X","X","X","X","X","N/A","X","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Prelim UW","Seniors Housing licenses and certificates","X","X","X","X","X","N/A","X","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Prelim UW","Payroll Schedule Current schedule of payroll expenses associated with the operation of the onsite leadership team at the property, including salary, wages, bonuses, net pay and deductions.","N/A","N/A","N/A","N/A","N/A","X","X","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Prelim UW","Purchase and agreement analysis","X","X","X","N/A","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Breakdown of construction costs – certified","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A"]
[null,null,null,"Prelim UW","Capital improvement documentation, if applicable","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Manufactured Housing Community Questionnaire","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A"]
[null,null,null,"Prelim UW","Rent, income or use restriction documentation, including if applicable:\n● Land Use Restriction Agreement (LURA)/regulatory agreement (draft)\n● Low Income Housing Tax Credit (LIHTC) allocation and certification documentation (draft)\n● Housing Assistance Payments (HAP) contract\n● Registration of rental units, (rent control/stabilization)\n● Other regulatory agreements","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Prelim UW","Preliminary legal issues memorandum (PLIM), document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:\n● Access easement and Essential Facilities and/or Recreational Facilities easement\n● Cooperative Analysis\n● Ground lease\n● Master lease\n● Rent, income or use restriction\n● Tax abatements, including Payments in Lieu of Taxes\n● Ownership interest in Borrower or Property by S/S or any directors or officers\n●  Preferred equity, subordinate or mezzanine debt\n● Property subject to a condominium regime\n● Manufactured Housing Community","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Prelim UW","Any additional documentation required for properties with special circumstances or special property features","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Completed Underwriting Checklist","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Seller’s mortgage loan application with Borrower","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage –\nForm 1133 and other insurance documentation, if not submitted at preliminary underwriting","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Credit reports","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Financial statements of Borrower and Borrower Principals – certified","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Real Estate Schedule – Form 1116, if not submitted at preliminary underwriting","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Management plan or management agreement","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Financial statements of Borrower and Borrower Principals – certified, or Borrower Certification of No Change - Form 1147 or statement of no material change","N/A","X","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Real Estate Schedule – Form 1116, if not submitted at preliminary underwriting, or Borrower Certification of No Change - Form 1147 or statement of no material change","N/A","X","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Verification of Collections – Form 1144","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Blanket Certification (for property financial statements and rent rolls) of property financial statements and rent roll Blanket borrower certification for all uploaded financial statements and Real Estate Schedules - Form 1116. ","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Management plan or management agreement, or Borrower Certification of No Change - Form 1147 or statement of no material change","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Updated Seller's certification regarding the Freddie Mac Exclusionary List","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Zoning documentation, including certificates of occupancy (if not available, the zoning\nreport must contain the language specified in Section 8.5)","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Building code violation documentation, if not included in the zoning documentation","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Appraisal","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Property condition report","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Property condition report only if required by Chapter 55 ","N/A","N/A","N/A","N/A","X","X","X","X","X","N/A","N/A","N/A"]
[null,null,null,"Full UW","Environmental report and alternatives","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Moisture Management Plan, if required","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Seismic risk documentation, if required by Chapter 16","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Wood-damaging insect inspection documentation Wood-damaging insect inspection report or a certification from the Property’s current pest control provider, if required by Section 8.2(e)","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Operation & Maintenance Programs, if required","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Real estate tax bill","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Property inspection documentation","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","EPA Energy Star Score, when required for Green Rebate","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Green Building Certificate, if applicable","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Preliminary legal issues memorandum (PLIM) and supporting documentation, if not previously delivered","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Seller's certification regarding compliance with representations and warranties","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Any documents that have been updated since they were submitted in the ERL preliminary underwriting package","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Seniors Housing Real Estate Schedule Addendum \u0001","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Seniors Housing list of furniture, fixtures, equipment and motor vehicles \u0001","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Seniors Housing Liability Assessment","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Student Housing Questionnaire – Form 1120","N/A","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A"]
[null,null,null,"Full UW","Land Use Restriction Agreement (LURA)/regulatory agreement (final)","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A"]
[null,null,null,"Full UW","Low Income Housing Tax Credits (LIHTC) allocation and certification documentation (final)","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A"]
[null,null,null,"Full UW","Commercial lease documentation, if applicable","X","X","X","X","X","N/A","X","X","X","X","X","X"]
[null,null,null,"Full UW","For loans over $50 million, rent roll that was used by appraiser (in Excel format)","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","For loans over $100 million, occupancy history","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","For loans over $100 million, effective annual rental rate per unit","X","X","X","X","N/A","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","If preferred equity or mezzanine debt:\n●  Term sheet summarizing final preferred equity or mezzanine debt terms\n● Analysis of preferred equity or mezzanine debt by Seller’s counsel\n●  Underlying documents, including Operating Agreement or Loan Agreement governing terms of preferred equity or mezzanine debt","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Properties with problematic materials, equipment and systems (e.g. aluminum wiring, galvanized steel, polybutylene piping, etc.) see Section 14.5 (c) for requirements","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,"Full UW","Additional documentation as required by Freddie Mac, if applicable","X","X","X","X","X","X","X","X","X","X","X","X"]

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[null,null,null,null,null,null,null,null,null,"Uploaded","Not Uploaded","YN List","Delivery","Transaction","Specialty"]
[null,null,null,null,null,null,null,null,null,null,null,"No","STD","ACQ"]
[null,null,null,null,null,null,null,null,null,"Yes","Yes","Yes","ERL","REFI","Senior"]
[null,null,null,null,null,null,null,null,null,"No","No",null,null,"SUPPL","Student"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MHC"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TAH"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mod Rehab"]

{"sheet":"Checklist","index":2,"n_rows":113,"n_cols":5,"rows_kept":113,"cut":false,"hidden":false,"merged":[[41,3,60,3],[0,0,0,4],[1,0,1,4],[3,0,3,4],[12,0,12,4],[36,2,40,2],[36,1,40,1],[36,0,40,0],[36,3,40,3]]}
[]
["This checklist indicates all documents to be submitted to Freddie Mac in underwriting packages for Conventional or TAH Cash Mortgages. See Chapter 55 of the Multifamily Seller/Servicer Guide for a description of and detailed requirements for the delivery of each document."]
[null,null,null,null,"Revision Date: 4/14/2022"]
["Property & Transaction Details"]
[]
["Delivery","Transaction Type","Specialty Product"]
["STD"]
["Select All That Apply:"]
["No","LIHTC/LURA in place"]
["No","Property was built within the past 12 months"]
["No","Sponsor has submitted an underwriting package within the past 12 months"]
[]
["Underwriting Package Requirements"]
[]
["Seller Uploaded","Freddie Mac Uploaded","Comments","UW Stage","Document"]
[null,null,null,"Prelim UW","Completed Underwriting Checklist"]
[null,null,null,"Prelim UW","Mortgage transaction narrative analysis"]
[null,null,null,"Prelim UW","Seller's pro forma property financial statements"]
[null,null,null,"Prelim UW","Property inspection documentation"]
[null,null,null,"Prelim UW","Organizational Charts – Borrower, Guarantor (not in Borrower’s organizational structure), Master Tenant, or Operator"]
[null,null,null,"Prelim UW","Rent roll"]
[null,null,null,"Prelim UW","Historical property financial statements"]
[null,null,null,"Prelim UW","Current property financial statements (T-12 format)"]
[null,null,null,"Prelim UW","Borrower’s budgeted property financial statements"]
[null,null,null,"Prelim UW","Borrower and Borrower Principal Certificate – Form 1115"]
[null,null,null,"Prelim UW","Flood zone determination (FZD)"]
[null,null,null,"Prelim UW","Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage – Form 1133 and other insurance documentation "]
[null,null,null,"Prelim UW","Real Estate Schedule – Form 1116"]
[null,null,null,"Prelim UW","Blanket Certification (for property financial statements and rent rolls)"]
[null,null,null,"Prelim UW","Seniors Housing Management Assessment"]
[null,null,null,"Prelim UW","Seniors Housing licenses and certificates"]
[null,null,null,"Prelim UW","Payroll Schedule"]
[null,null,null,"Prelim UW","Purchase Agreement"]
[null,null,null,"Prelim UW","Breakdown of construction costs"]
[null,null,null,"Prelim UW","Capital improvement documentation, if applicable"]
[null,null,null,"Prelim UW","Manufactured Housing Community Questionnaire"]
[null,null,null,"Prelim UW","Rent, income or use restriction documentation, including if applicable:"]
[null,null,null,null,"● Land Use Restriction Agreement (LURA)/regulatory agreement"]
[null,null,null,null,"● Low Income Housing Tax Credit (LIHTC) allocation and certification documentation"]
[null,null,null,null,"● Housing Assistance Payments (HAP) contract"]
[null,null,null,null,"● Registration of rental units, (rent control/stabilization)"]
[null,null,null,"Prelim UW","Legal Issues Analysis (LIA) form, document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:"]
[null,null,null,null,"● Access easement Shared Facilities easement"]
[null,null,null,null,"● Condominium/Cooperative Conversion Restriction"]
[null,null,null,null,"● Ground lease"]
[null,null,null,null,"● Master lease"]
[null,null,null,null,"● Regulatory Agreement - rent, income or use restriction"]
[null,null,null,null,"● Tax abatements, including Payments in Lieu of Taxes"]
[null,null,null,null,"● Preferred equity, subordinate or mezzanine debt"]
[null,null,null,null,"● Property subject to a condominium regime"]
[null,null,null,null,"● Manufactured Housing Community"]
[null,null,null,null,"● Manufactured Housing Resident-Owned Community (MHROC) Analysis, if applicable"]
[null,null,null,null,"● Manufactured Housing Community (MHC) (unless MHROC, government-owned, or non-profit-owned)"]
[null,null,null,null,"● Tenancy-in-Common"]
[null,null,null,null,"● Investment Fund as Guarantor or Borrower Principal"]
[null,null,null,null,"● Buy-Sell Transfer"]
[null,null,null,null,"● Reverse 1031 Exchange"]
[null,null,null,null,"● HAP Contract"]
[null,null,null,null,"● Material litigation affecting Property, Borrower or Guarantor"]
[null,null,null,null,"● Shari’ah loan structure"]
[null,null,null,null,"● Purchase agreement analysis"]
[null,null,null,"Prelim UW","Equity Conflict of Interest Statement, if applicable"]
[null,null,null,"Prelim UW","Any additional documentation required for properties with special circumstances or special property features"]
[null,null,null,"Full UW","Completed Underwriting Checklist"]
[null,null,null,"Full UW","Seller’s mortgage loan application with Borrower"]
[null,null,null,"Full UW","Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage –\nForm 1133 and other insurance documentation, if not submitted at preliminary underwriting"]
[null,null,null,"Full UW","Credit reports"]
[null,null,null,"Full UW","Financial statements of Borrower and Required Borrower Principals – certified"]
[null,null,null,"Full UW","Management plan or management agreement"]
[null,null,null,"Full UW","Financial statements of Borrower and Borrower Principals or statement of no material change"]
[null,null,null,"Full UW","Real Estate Schedule – Form 1116, if not submitted at preliminary underwriting, or statement of no material change"]
[null,null,null,"Full UW","Verification of Collections – Form 1144"]
[null,null,null,"Full UW","Blanket Certification (for property financial statements and rent rolls)"]
[null,null,null,"Full UW","Management plan or management agreement, or statement of no material change"]
[null,null,null,"Full UW","Zoning documentation, including certificates of occupancy (if not available, the zoning\nreport must contain the language specified in Section 8.5)"]
[null,null,null,"Full UW","Building code violation documentation, if not included in the zoning documentation"]
[null,null,null,"Full UW","Appraisal"]
[null,null,null,"Full UW","Property condition report"]
[null,null,null,"Full UW","Property condition report only if required"]
[null,null,null,"Full UW","Environmental report and alternatives"]
[null,null,null,"Full UW","Moisture Management Plan, if required"]
[null,null,null,"Full UW","Seismic risk documentation, if required"]
[null,null,null,"Full UW","Wood-damaging insect inspection documentation"]
[null,null,null,"Full UW","Real estate tax bill"]
[null,null,null,"Full UW","Property inspection documentation"]
[null,null,null,"Full UW","EPA Energy Star Score, when required for Green Rebate"]
[null,null,null,"Full UW","Green Building Certificate, if applicable"]
[null,null,null,"Full UW","Preliminary legal issues memorandum (PLIM) and supporting documentation, if not previously delivered"]
[null,null,null,"Full UW","Seller's certification regarding compliance with representations and warranties"]
[null,null,null,"Full UW","Any documents that have been updated since they were submitted in the ERL preliminary underwriting package"]
[null,null,null,"Full UW","Seniors Housing Real Estate Schedule Addendum \u0001"]
[null,null,null,"Full UW","Seniors Housing agreements and contracts"]
[null,null,null,"Full UW","Seniors Housing list of furniture, fixtures, equipment and motor vehicles"]
[null,null,null,"Full UW","Seniors Housing Liability Assessment, if applicable"]
[null,null,null,"Full UW","Student Housing Questionnaire – Form 1120"]
[null,null,null,"Full UW","Land Use Restriction Agreement (LURA)/regulatory agreement"]
[null,null,null,"Full UW","Low Income Housing Tax Credits (LIHTC) allocation and certification documentation"]
[null,null,null,"Full UW","Commercial lease documentation, if applicable"]
[null,null,null,"Full UW","For loans over $50 million, rent roll that was used by appraiser (in Excel format)"]
[null,null,null,"Full UW","For loans over $100 million, occupancy history"]
[null,null,null,"Full UW","For loans over $100 million, effective annual rental rate per unit"]
[null,null,null,"Full UW","If preferred equity or mezzanine debt:\n●  Term sheet summarizing final preferred equity or mezzanine debt terms\n● Analysis of preferred equity or mezzanine debt by Seller’s counsel\n●  Underlying documents, including Operating Agreement or Loan Agreement governing terms of preferred equity or mezzanine debt"]
[null,null,null,"Full UW","Additional documentation as required by Freddie Mac, if applicable"]
[null,null,null,"Full UW","Pre-construction analysis report, instead of the property condition report"]
[null,null,null,"Full UW","Renovation documentation"]
[null,null,null,"Full UW","Green Report - Form 1106, if applicable"]
[null,null,null,"Full UW","Physical Risk Report – Form 1108"]
[null,null,null,"Full UW","Cooperative Analysis, if applicable"]
[null,null,null,"Prelim UW","Certification — Organizational Chart, Form 1114"]
[null,null,null,"Full UW","Complete Borrower/Borrower Principal Due Diligence Package"]
[null,null,null,"Prelim UW","Green Retrofits Certification, Form 1209, if applicable"]
[null,null,null,"Full UW","Residential lease sample (a sample or unexecuted residential lease or an executed residential lease)."]
[null,null,null,"Full UW","Diverse Borrower Certification Assignment Email Confirmation"]

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[]
[]
[]
[]
[null,null,null,null,null,"KEY:"]
[null,null,null,null,null,"X = Show Document "]
[null,null,null,null,null,"N/A = Hide Document"]
[null,null,null,null,null,"Hierarchy goes from left to right"]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Document","STD","ERL","Acq.","Refi.","Suppl.","TAH","Seniors","Student","MHC","Mod Rehab","LIHTC/LURA","Built Past 12 mos.","UW Pkg. Last 12 mos."]
[null,null,null,null,"Completed Underwriting Checklist","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Mortgage transaction narrative analysis","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Seller's pro forma property financial statements","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Property inspection documentation","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Organizational Charts – Borrower, Guarantor (not in Borrower’s organizational structure), Master Tenant, or Operator","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Rent roll","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Historical property financial statements","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Current property financial statements (T-12 format)","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Borrower’s budgeted property financial statements","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Borrower and Borrower Principal Certificate – Form 1115","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Flood zone determination (FZD)","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage – Form 1133 and other insurance documentation ","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Real Estate Schedule – Form 1116","X","X","X","X","X","X","X","X","X",null,"X","X","N/A"]
[null,null,null,null,"Blanket Certification (for property financial statements and rent rolls)","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seniors Housing management assessment","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seniors Housing licenses and certificates","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Payroll Schedule","N/A","N/A","N/A","N/A","N/A","X","X","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Purchase Agreement","N/A","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,null,"Breakdown of construction costs","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","X","N/A"]
[null,null,null,null,"Capital improvement documentation, if applicable","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Manufactured Housing Community Questionnaire","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A"]
[null,null,null,null,"Rent, income or use restriction documentation, including if applicable:","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"● Land Use Restriction Agreement (LURA)/regulatory agreement","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"● Low Income Housing Tax Credit (LIHTC) allocation and certification documentation","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"● Housing Assistance Payments (HAP) contract","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"● Registration of rental units, (rent control/stabilization)","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Preliminary legal issues memorandum (PLIM), document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Access easement Shared Facilities easement","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Condominium/Cooperative Conversion Restriction","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Ground lease","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Master lease","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Regulatory Agreement - rent, income or use restriction","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Tax abatements, including Payments in Lieu of Taxes","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Preferred equity, subordinate or mezzanine debt","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Property subject to a condominium regime","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Manufactured Housing Community"]
[null,null,null,null,"● Manufactured Housing Resident-Owned Community (MHROC) Analysis, if applicable","X","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,null,"● Manufactured Housing Community (MHC) Tenant Protections","X","X"]
[null,null,null,null,"● Tenancy-in-Common","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Investment Fund as Guarantor or Borrower Principal","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Buy-Sell Transfer","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Reverse 1031 Exchange","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● HAP Contract","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Material litigation affecting Property, Borrower or Guarantor","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Shari’ah loan structure","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"● Purchase agreement analysis","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Equity Conflict of Interest Statement, if applicable","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Any additional documentation required for properties with special circumstances or special property features","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Completed Underwriting Checklist","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seller’s mortgage loan application with Borrower","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage –\nForm 1133 and other insurance documentation, if not submitted at preliminary underwriting","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Credit reports","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Financial statements of Borrower and Borrower Principals","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Management plan or management agreement","X","X","X","X","N/A","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Financial statements of Borrower and Borrower Principals or statement of no material change","N/A","X","N/A","N/A","X","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Real Estate Schedule – Form 1116, if not submitted at preliminary underwriting, or statement of no material change","N/A","X","N/A","N/A","X","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Verification of Collections – Form 1144","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Blanket Certification (for property financial statements and rent rolls)","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Management plan or management agreement, or statement of no material change","N/A","N/A","N/A","N/A","X","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Zoning documentation, including certificates of occupancy (if not available, the zoning\nreport must contain the language specified in Section 8.5)","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Building code violation documentation, if not included in the zoning documentation","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Appraisal","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Property condition report","X","X","X","X","N/A","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Property condition report only if required","N/A","N/A","N/A","N/A","X",null,null,null,null,null,"N/A","N/A","N/A"]
[null,null,null,null,"Environmental report and alternatives","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Moisture Management Plan, if required","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Seismic risk documentation, if required","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Wood-damaging insect inspection documentation","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Real estate tax bill","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Property inspection documentation","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"EPA Energy Star Score, when required for Green Rebate","X","X","X","X","N/A","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Green Building Certificate, if applicable","X","X","X","X","N/A","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Preliminary legal issues memorandum (PLIM) and supporting documentation, if not previously delivered","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seller's certification regarding compliance with representations and warranties","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Any documents that have been updated since they were submitted in the ERL preliminary underwriting package","N/A","X","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seniors Housing Real Estate Schedule Addendum \u0001","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seniors Housing agreements and contracts",null,null,null,null,null,null,"X"]
[null,null,null,null,"Seniors Housing list of furniture, fixtures, equipment and motor vehicles \u0001","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Seniors Housing Liability Assessment","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Student Housing Questionnaire – Form 1120","N/A","N/A","N/A","N/A","N/A","N/A","N/A","X","N/A",null,"N/A","N/A","N/A"]
[null,null,null,null,"Land Use Restriction Agreement (LURA)/regulatory agreement","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"X","N/A","N/A"]
[null,null,null,null,"Low Income Housing Tax Credits (LIHTC) allocation and certification documentation","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A","N/A",null,"X","N/A","N/A"]
[null,null,null,null,"Commercial lease documentation, if applicable","X","X","X","X","X","N/A","X","X","X",null,"X","X","X"]
[null,null,null,null,"For loans over $50 million, rent roll that was used by appraiser (in Excel format)"]
[null,null,null,null,"For loans over $100 million, occupancy history","X","X","X","X","N/A","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"For loans over $100 million, effective annual rental rate per unit","X","X","X","X","N/A","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"If preferred equity or mezzanine debt:\n●  Term sheet summarizing final preferred equity or mezzanine debt terms\n● Analysis of preferred equity or mezzanine debt by Seller’s counsel\n●  Underlying documents, including Operating Agreement or Loan Agreement governing terms of preferred equity or mezzanine debt","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Additional documentation as required by Freddie Mac, if applicable","X","X","X","X","X","X","X","X","X",null,"X","X","X"]
[null,null,null,null,"Pre-construction analysis report, instead of the property condition report",null,null,null,null,null,"X",null,null,null,"X"]
[null,null,null,null,"Renovation documentation",null,null,null,null,null,"X",null,null,null,"X"]
[null,null,null,null,"Green Report - Form 1106, if applicable","X","X",null,null,null,"X","X","X",null,"X"]
[null,null,null,null,"Physical Risk Report – Form 1108","X","X","X","X","X","N/A","N/A","X","X","N/A","N/A","X","X"]
[null,null,null,null,"Cooperative Analysis, if applicable","X","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,null,"Certification Organizational Chart, Form 1114","X","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,null,"Complete Due Diligence Package","X","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,null,"Green Retrofits Certification, Form 1209, if applicable","X","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,null,"Residential Leases","X","X","X","X","X","X","X","X","X","X","X","X","X"]
[null,null,null,null,"Diverse Borrower Certification Assignment Email Confirmation – Seller’s confirmation that the Diverse Borrower Certification link was sent to Borrower","X","X","X","X","X","X","X","X","X","X","X","X","X"]

{"sheet":"Definitions","index":4,"n_rows":3,"n_cols":94,"rows_kept":3,"cut":false,"hidden":true,"merged":[]}
["Document Description Title","Access easement and Essential Facilities and/or Recreational Facilities easement documentation for non-SBL Mortgages","Application Fee","Appraisal","Blanket Certification for property financial statements and rent rolls","Borrower and Borrower Principal Certificate – Form 1114","Borrower and Borrower Principal Certificate – SBL, Form 1115 – SBL for SBL Mortgages","Property financial statements","Breakdown of construction costs","Building code violation documentation","Capital improvement documentation","Commercial lease documentation","Condominium Analysis","Credit reports","Current property financial statements","Effective annual rental rate","Environmental report and alternatives","EPA Energy Star Score","Evidence of Insurance","Evidence of Insurance","Evidence of Tax Abatement","Financial statements of Borrower and Required Borrower Principals – certified","Financial statements of Borrower and Borrower Principals or statement of no material change","Flood zone determination (FZD)","Green Building Certificate","Ground lease documentation","Housing Assistance Payments (HAP) contract","Housing Assistance Payments (HAP) contract","Historical property financial statements","Land Use Restriction Agreement (LURA)/ regulatory agreement","Land Use Restriction Agreement (LURA)/ regulatory agreement","Low-Income Housing Tax Credit (LIHTC) allocation and certification documentation","Low-Income Housing Tax Credit (LIHTC) allocation and certification documentation","Management plan or management agreement","Management plan or management agreement for non-SBL Mortgages","Management plan or management agreement for SBL Mortgages","Manufactured Housing Community Questionnaire","Manufactured Housing Community Questionnaire","Master lease documentation","Moisture Management Plan","Mortgage transaction narrative analysis","Occupancy history","Organizational Charts – Borrower, Guarantor (not in Borrower’s organizational structure), Master Tenant, or Operator","Organizational charts – Borrower, guarantor and Borrower Principals","Ownership interest disclosure","Payroll schedule","Legal Issues Analysis (LIA) form, document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:","Legal Issues Analysis (LIA) form, document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:","Property condition report","Property condition report","Property financial statements","Property inspection documentation","Property inspection documentation","Purchase agreement and analysis","Purchase agreement and analysis","Real Estate Schedule, Form 1116","Real Estate Schedule, Form 1116","Real Estate Schedule, Form 1116","Real Estate Schedule, Form 1117","Real estate tax bill","Registration of rental units (rent control/ stabilization)","Rent, income and use restriction documentation","Rent, income and use restriction documentation","Rent roll","Rent roll","Seller’s certification regarding compliance with representations and warranties","Seller's pro forma property financial statements","Seismic risk documentation","Seller's mortgage loan application with Borrower","Seniors Housing agreements and contracts","Seniors Housing Liability Assessment","Seniors Housing licenses and certificates","Seniors Housing licenses and certificates","Seniors Housing list of furniture, fixtures, equipment and motor vehicles","Seniors Housing Management Assessment","Seniors Housing Real Estate Schedule Addendum","Student Housing Questionnaire, Form 1120","Subordinate debt documentation","Subordinate debt documentation","Verification of Collections, Form 1144","Wood-damaging insect inspection documentation","Zoning documentation","Zoning documentation","Pre-construction analysis report","Renovation documentation – Mod Rehab Mortgages and Preservation Rehabilitation Mortgages","Physical Risk Report – Form 1108","Manufactured Housing Resident-Owned Community (MHROC) Analysis, if applicable","Cooperative Analysis, if applicable","Certification — Organizational Chart, Form 1114","Complete Borrower/Borrower Principal Due Diligence Package","Residential lease sample (a sample or unexecuted residential lease or an executed residential lease).","MHC Tenant Protections","Diverse Borrower Certification Assignment Email Confirmation","Green Retrofits Certification, Form 1209, if applicable"]
["Document","● Access easement Shared Facilities easement","Application Fee","Appraisal","Blanket Certification (for property financial statements and rent rolls)","Borrower and Borrower Principal Certificate – Form 1115",0,"Borrower’s budgeted property financial statements","Breakdown of construction costs","Building code violation documentation, if not included in the zoning documentation","Capital improvement documentation, if applicable","Commercial lease documentation, if applicable","● Property subject to a condominium regime","Credit reports","Current property financial statements (T-12 format)","For loans over $100 million, effective annual rental rate per unit","Environmental report and alternatives","EPA Energy Star Score, when required for Green Rebate","Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage – Form 1133 and other insurance documentation ","Evidence of Insurance: Seller/Servicer Certification of Insurance Coverage –\nForm 1133 and other insurance documentation, if not submitted at preliminary underwriting","● Tax abatements, including Payments in Lieu of Taxes","Financial statements of Borrower and Required Borrower Principals – certified","Financial statements of Borrower and Borrower Principals or statement of no material change","Flood zone determination (FZD)","Green Building Certificate, if applicable","● Ground lease","● Housing Assistance Payments (HAP) contract","● HAP Contract","Historical property financial statements","Land Use Restriction Agreement (LURA)/regulatory agreement","● Land Use Restriction Agreement (LURA)/regulatory agreement","Low Income Housing Tax Credits (LIHTC) allocation and certification documentation","● Low Income Housing Tax Credit (LIHTC) allocation and certification documentation","Management plan or management agreement","Management plan or management agreement, or statement of no material change",0,"Manufactured Housing Community Questionnaire","● Manufactured Housing Community","● Master lease","Moisture Management Plan, if required","Mortgage transaction narrative analysis","For loans over $100 million, occupancy history","Organizational Charts – Borrower, Guarantor (not in Borrower’s organizational structure), Master Tenant, or Operator","● Investment Fund as Guarantor or Borrower Principal","Equity Conflict of Interest Statement, if applicable","Payroll Schedule","Legal Issues Analysis (LIA) form, document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:","Legal Issues Analysis (LIA) form, document analysis by Seller’s counsel, and all supporting documentation if any of the following apply:","Property condition report","Property condition report only if required","Borrower’s budgeted property financial statements","Property inspection documentation","Property inspection documentation","Purchase Agreement","● Purchase agreement analysis","Real Estate Schedule – Form 1116","Real Estate Schedule – Form 1116, if not submitted at preliminary underwriting","Blanket borrower certification for all uploaded financial statements and Real Estate Schedules - Form 1116. ","Real Estate Schedule – Form 1116, if not submitted at preliminary underwriting, or statement of no material change","Real estate tax bill","● Registration of rental units, (rent control/stabilization)","Rent, income or use restriction documentation, including if applicable:","● Regulatory Agreement - rent, income or use restriction","Rent roll","For loans over $50 million, rent roll that was used by appraiser (in Excel format)","Seller's certification regarding compliance with representations and warranties","Seller's pro forma property financial statements","Seismic risk documentation, if required","Seller’s mortgage loan application with Borrower","Seniors Housing agreements and contracts","Seniors Housing Liability Assessment","Seniors Housing licenses and certificates","Seniors Housing licenses and certificates \u0001","Seniors Housing list of furniture, fixtures, equipment and motor vehicles","Seniors Housing Management Assessment","Seniors Housing Real Estate Schedule Addendum \u0001","Student Housing Questionnaire – Form 1120","● Preferred equity, subordinate or mezzanine debt","If preferred equity or mezzanine debt:\n●  Term sheet summarizing final preferred equity or mezzanine debt terms\n● Analysis of preferred equity or mezzanine debt by Seller’s counsel\n●  Underlying documents, including Operating Agreement or Loan Agreement governing terms of preferred equity or mezzanine debt","Verification of Collections – Form 1144","Wood-damaging insect inspection documentation","Zoning documentation, including certificates of occupancy (if not available, the zoning\nreport must contain the language specified in Section 8.5)","Zoning documentation, including certificates of occupancy (if not available, the zoning\nreport must contain the language specified in Section 8.5)","Pre-construction analysis report, instead of the property condition report","Renovation documentation – Mod Rehab Mortgages and Preservation Rehabilitation Mortgages","Physical Risk Report – Form 1108","Manufactured Housing Resident-Owned Community (MHROC) Analysis, if applicable","Cooperative Analysis, if applicable","Certification — Organizational Chart, Form 1114","Complete Borrower/Borrower Principal Due Diligence Package","Residential lease sample (a sample or unexecuted residential lease or an executed residential lease).","● Manufactured Housing Community (MHC) (unless MHROC, government-owned, or non-profit-owned)","Diverse Borrower Certification Assignment Email Confirmation","Green Retrofits Certification, Form 1209, if applicable"]
["Description","The Seller must provide Freddie Mac with the following documentation:\n• If the Property shares primary ingress and/or egress with adjacent or neighboring properties (including another phase of a phased development) via an easement or private road, documentation in accordance with Sections 8.6 and 8.8, as well as a (i) preliminary legal issues memorandum (PLIM) that either (x) confirms the access complies with the requirements set forth in Section 8.8, or (z) a legal analysis of what requirements are not satisfied and the Seller’s counsel’s recommendations for acceptability, (ii) a copy of the survey if required for the Mortgage and photographs showing the location of the access easement and signage, if applicable, and (iii) an opinion from a land use attorney if applicable, or\n• If the Essential Facilities and/or Recreational Facilities are located off-site (including another phase of a phased development) and are not under the exclusive control of the owner, documentation in accordance with Sections 8.6 and 8.9, a PLIM that either (i) confirms the Borrower’s access to and use of the Essential Facilities and/or Recreational Facilities and amenities comply with the requirements set forth in Section 8.9; or (ii) a legal analysis of what requirements are not satisfied and the Seller’s counsel’s recommendations for acceptability.  \n• See also “confirmation of or a request for approval of shared facilities or access”.\n\n","For Bond Credit Enhancement Mortgages only, the Seller must remit the applicable application fee by wire transfer. The Seller must obtain wire transfer instructions from Multifamily TAH Production or the Multifamily TAH Underwriter, for Freddie Mac Multifamily Approved Targeted Affordable Housing Seller/Servicers.\n\nThe Seller must send the wire transfer to the attention of the Multifamily Cash Desk. The wire transfer must reference the Property name, the Freddie Mac contact person and the Freddie Mac loan number.  The application fee amount is found in the Commitment or the early rate-lock application for Bond Credit Enhancement Mortgages.\n\n","The Seller must provide Freddie Mac with a full Appraisal of the Property that meets the requirements of Chapter 60.  The Property value determined in the Appraisal must be no less than the Property value determined by Freddie Mac and the report must meet all Freddie Mac requirements and underwriting conditions.\n\nSeniors Housing Mortgages\nFor a Seniors Housing Mortgage, the Appraisal must meet the requirements of Chapter 60 and Section 21.16.\n\nForward Commitments\nFor a Forward Commitment, the Seller must submit an updated Appraisal in the Conversion Underwriting Package if additional proceeds are requested at Conversion.\n\nMod Rehab\nThe Seller must provide an Appraisal meeting the requirements of Chapter 60.  See Section 60.28 for requirements specific to Mod Rehab Mortgages.\n\nPreservation Rehabilitation\nThe Seller must provide an Appraisal meeting the requirements of Chapter 60.  See Section 60.28 for requirements specific to Preservation Rehabilitation Mortgages.\n\nMortgage with Green Up® or Green Up Plus® loan option\nThe Seller must provide an Appraisal meeting the requirements of Chapter 60.  See Section 60.29 for requirements specific to Mortgages with the Green Up or Green Up Plus loan option.\n\n","The property financial statements and the rent rolls must be certified through a Blanket Certification, which must bear the following statement, executed by an individual who is authorized to legally bind the Borrower:\n\nI hereby certify that the property financial statements and rent rolls are complete and accurate representations of the operating history of the [Property name] as of the date of the statements, and I am duly authorized to bind the Borrower to this certification.”\n\nHistorical financial statement due dates: ________________\n\nCurrent financial statement due dates:    _________________\n\nBorrower’s budget financial statement dates: _____________\n\nRent roll dates:                                       __________________\n\nBorrower: ________________________________________\n\n[Signature]________________________________________\n[Printed Name and Title of Signatory]\n\nThe Blanket Certification is not required until due diligence is complete but it must be submitted prior to rate-lock.\n\n","If any Borrower or Required Borrower Principal is organized as of the date of submission of the applicable package, the Seller must provide Freddie Mac with the Form 1115, Borrower and Borrower Principal Certificate, executed by each Borrower or Required Borrower Principal.\n\nForm 1115 requests certification of the following information from Borrowers and Required Borrower Principals:\n1. Current financial condition\n2. Past mortgage payment and default experience\n3. History of criminal and/or administrative proceedings\n4. List of all contingent liabilities, including a description and amount\n\nForm 1115 must not be dated more than 60 days prior to the date of submission of the applicable underwriting package.\n\nFor entities where the TIN is not yet available as of the date of this certification, an IRS Form W-9 is permitted as an alternative to resubmitting the Form 1115.  The W-9 must be submitted as soon as it is available (ideally with submission of the full underwriting package) but no later than the Origination Date. ",null,"The Seller must provide to Freddie Mac financial statements for the Property as follows:\n• Historical property financial statements\nFinancial statements for the Property for the specified period, certified by the Borrower via the Blanket Certification as complete and accurate\n\nIf the Mortgage has an original principal balance greater than $100 million or the Mortgage is a TAH Mortgage, the Seller must provide historical property financial statements for the most recent three years, or since the completion of construction of the Property, whichever is less, and including the net rental income, concessions and gross potential rent.\n\n• Current property financial statements (T-12 format)\nCurrent statement for the twelve-month period prior to the month in which the Borrower has made the financing request, certified by the Borrower as complete and accurate. If available, this statement must reflect monthly operations for each of the preceding 12 months. If a monthly summary statement is not available, the Seller must provide a current fiscal year-to-date Property financial statement and a monthly statement for each of the three months prior to the month in which the Borrower has made the financing request.  These statements must be certified by the Borrower as complete and accurate via the Blanket Certification. \n\n• Borrower’s budgeted property financial statements\nThe Borrower’s budget for the following 12-month period, certified by the Borrower as complete and accurate via the Blanket Certification.\n\nThe Seller must review the property financial statements, which must include income and expense statements.\n\nSee the Blanket Certification for instructions on preparing the certification of the property financial statements.\n\nIf the financial statements are audited, they must include a statement of changes in financial position and all notes.\n\n","For a Property that was built by the Borrower less than one year before the submission of the underwriting package, the Seller must submit to Freddie Mac a breakdown of construction costs, \n\nFor current or planned construction, see “capital improvement documentation”.\n","The Seller must provide building code violation documentation in one of two ways:\n• In the form of a letter or other documentation from the local building code enforcement office which must verify that:\n• Any prior building code violations have been corrected\n• The Property is currently in compliance with all applicable building codes\n\n\n• Verification of the above as part of the zoning report or Form 1108, Physical Risk Report for a Mortgage that meets all of the following conditions:\n• The Mortgage has an initial principal balance of $20 million or less, or the Mortgage is a Supplemental Mortgage and the combined initial principal balance of the Supplemental Mortgage and the unpaid principal balances of any senior Mortgages encumbering the Property are $25 million or less in the aggregate\n• The Mortgage is not a Moderate Rehabilitation Mortgage, a Lease-up Mortgage, a Value-add Mortgage or a Forward Commitment Mortgage\n\n\nIf the local building code enforcement office will not provide such a letter, Freddie Mac will accept a certified verification from the Borrower.\n","The Seller must submit:\n• For current or planned construction on the Property, a summary of all current or planned construction and the projected costs of the construction\n• For any major past renovations, a summary of these renovations and documentation concerning the costs\n• For a Mortgage whose original principal balance is greater than $100 million without any construction or major renovation planned for the Property, a statement that no construction or major renovation is planned during the term of the Mortgage\n\n","The Seller must provide to Freddie Mac complete copies (with all amendments) of all commercial leases for the Property.\n\nTo the extent requested by Freddie Mac, the Seller must provide separate income and expense analyses for the residential and commercial lease portions of the Property’s income.\n\nIf income from a single commercial lease is five percent or more of the gross potential rent of the Property, or if otherwise requested by Freddie Mac in connection with a certain commercial lease, the Seller must provide a completed Commercial Lease Analysis for such lease. The Commercial Lease Analysis form is available on FreddieMac.com.\n\nSee Section 8.11 for requirements regarding commercial lease SNDAs, subordinations, and estoppels; see Section 8.2(b) for commercial use requirements.\n","If the Property is subject to a condominium regime, the Seller must submit the following information to Freddie Mac:\n• The total number of units subject to the Condominium regime \n• The number of Condominium Units the Borrower owns\n• The percentage of Borrower’s undivided interest in the common elements of the Condominium\n• If the Borrower does not own 100 percent of the real property that is subject to the Condominium regime, whether the Property is \n• A “Partial Condo”, where the Property consists of all of the residential units in the Condominium but there are commercial, office, parking or other Condominium Units that will not be part of the collateral for the Mortgage\n• A “Fractured Condo”, where the Property does not consist of all of the residential units in the Condominium and some of the residential Condominium Units have been sold to third party purchasers\n• The number of members that comprise the board of directors of the Condominium association (“Condominium Association”) and the number of members of the board of directors of the Condominium Association that the Borrower controls\n\nThis information may be included in the Mortgage Transaction Narrative Analysis.\n\n","The Seller must provide to Freddie Mac a current credit report on each Borrower and each Required Borrower Principal that is an individual.  A credit report is not required for entities or foreign sponsors with no Social Security number.  The subject of each report must have authorized the Seller to obtain the report and the report must\n\n1. Be reviewed by the Seller\n2. Be issued by an independent credit reporting agency acceptable to Freddie Mac\n3. Be dated within 60 days before delivery to Freddie Mac\n4. Verify debts listed on the financial statement submitted with the full underwriting package, including terms, balances and ratings\n5. List any other debts\n6. List all legal actions that involve the Borrower or Borrower Principal and are disclosed by a search of public records\n\n\n\n\n","The Seller must provide to Freddie Mac financial statements for the Property as follows:\n• Historical property financial statements\nFinancial statements for the Property for the specified period, certified by the Borrower via the Blanket Certification as complete and accurate\n\nIf the Mortgage has an original principal balance greater than $100 million or the Mortgage is a TAH Mortgage, the Seller must provide historical property financial statements for the most recent three years, or since the completion of construction of the Property, whichever is less, and including the net rental income, concessions and gross potential rent.\n\n• Current property financial statements (T-12 format)\nCurrent statement for the twelve-month period prior to the month in which the Borrower has made the financing request, certified by the Borrower as complete and accurate. If available, this statement must reflect monthly operations for each of the preceding 12 months. If a monthly summary statement is not available, the Seller must provide a current fiscal year-to-date Property financial statement and a monthly statement for each of the three months prior to the month in which the Borrower has made the financing request.  These statements must be certified by the Borrower as complete and accurate via the Blanket Certification. \n\n• Borrower’s budgeted property financial statements\nThe Borrower’s budget for the following 12-month period, certified by the Borrower as complete and accurate via the Blanket Certification.\n\nThe Seller must review the property financial statements, which must include income and expense statements.\n\nSee the Blanket Certification for instructions on preparing the certification of the property financial statements.\n\nIf the financial statements are audited, they must include a statement of changes in financial position and all notes.\n\n","For a Mortgage whose original principal balance is greater than $100 million, the Seller must provide the effective annual rental rate per unit, as determined by gross potential rent less concessions, for each of the most recent three years, or for each year since the completion of construction, whichever is less.","The Seller must provide to Freddie Mac an environmental report meeting the requirements of Chapter 61.  \n\nSupplemental Mortgages \nAn environmental report is required under this product when\n• The proposed Mortgage is a split Mortgage, or\n• An acceptable environmental report was not completed upon origination of the first Mortgage, or\n• An environmental issue was identified subsequent to the origination of the first Mortgage, or\n• Freddie Mac, in its sole discretion, determines that an environmental report is needed.\n\nFor each Supplemental Mortgage for which Freddie Mac does not require an environmental report, the Seller must\n• Retain a qualified environmental consultant in accordance with Section 61.18 to perform a neighborhood hazardous waste activity review in compliance with Section 61.13, and submit the environmental consultant's analysis and conclusions, and\n• Confirm that the Borrower has complied with any conditions or requirements in the first Mortgage regarding an identified environmental hazard or Mold and has completed any required work.\n\nFor TAH Mortgages under a Forward Commitment\nSee Section 61.1(b)(1) for the requirements applicable to an environmental report prepared by a consultant retained or directed by the Borrower.\n\nFor mortgage loans with UPB of $15 million or less, the Physical Risk report will satisfy the requirements for the Environmental Report.","A score obtained using the U.S. Environmental Protection Agency’s (EPA’s) Portfolio Manager, used by Borrowers seeking Green Advantage benefits.","The Seller must submit the following to Freddie Mac to verify that the Property has, or will have as of the Freddie Mac Funding Date, adequate property damage and liability insurance as required by the Purchase and Servicing Documents:\n• Fully completed Form 1133, Seller/Servicer Certification of Insurance Coverage via the Insurance Compliance Tool (ICT)\n• The documents listed in Sections 31.20(a) through 31.20(c), as applicable\n\nFor an underwriting package pertaining to the refinance of an existing mortgage not owned by Freddie Mac, prior to the Origination Date of the Mortgage, the mortgagee or mortgage holders clause and additional insured clause must be changed to reflect the requirements of the Guide.\n\nIf the Borrower's insurance will not meet the Freddie Mac insurance requirements, the Seller/Servicer must request a waiver prior to the Origination Date from the\n• Multifamily TAH Underwriter, for Targeted Affordable Housing Mortgages\n• Applicable Freddie Mac Multifamily Regional Office, for all other Mortgages.\n","The Seller must submit the following to Freddie Mac to verify that the Property has, or will have as of the Freddie Mac Funding Date, adequate property damage and liability insurance as required by the Purchase and Servicing Documents:\n• Fully completed Form 1133, Seller/Servicer Certification of Insurance Coverage via the Insurance Compliance Tool (ICT)\n• The documents listed in Sections 31.20(a) through 31.20(c), as applicable\n\nFor an underwriting package pertaining to the refinance of an existing mortgage not owned by Freddie Mac, prior to the Origination Date of the Mortgage, the mortgagee or mortgage holders clause and additional insured clause must be changed to reflect the requirements of the Guide.\n\nFor non-SBL Mortgages, if the Borrower's insurance will not meet the Freddie Mac insurance requirements, the Seller/Servicer must request a waiver prior to the Origination Date from the\n• Multifamily TAH Underwriter, for Targeted Affordable Housing Mortgages\n• Applicable Freddie Mac Multifamily Regional Office, for all other Mortgages.\n\n","For Properties benefiting from real estate tax abatements, including payment in lieu of taxes (PILOT), the Seller must provide documentation from the taxing authority or the governing body confirming:\n• That the Property or the Borrower, as applicable, has qualified for the Tax Abatement\n• The amount of annual tax to be paid, if any\n• The term of the Tax Abatement\n• Any other requirements of the Tax Abatement\n\nSee the Tax Abatement/Exemption/PILOT Questionnaire for additional details concerning the documentation to be provided in the underwriting package for all tax abatements.\n\nThe Tax Abatement/Exemption/PILOT Questionnaire is found on the legal document pages of mf.freddiemac.com.\n\n","The Seller is required to submit to Freddie Mac financial statements from the Borrower and any Required Borrower Principal that is not a newly formed entity.\n\nEach financial statement must include the following:\n\n• Current certified financial statements (dated within six months of delivery of the full underwriting package), including a balance sheet, for the Borrower and each Required Borrower Principal\n\n• Federal income tax returns for the Borrower for the most recent taxable year, if requested\n\nNOTE:  Freddie Mac may require additional financial statements or federal income tax returns for the three most recent taxable years from the Borrower and each Required Borrower Principal in Freddie Mac's sole discretion.\n\nIf the financial statements are audited, the financial statements must include a statement of changes in financial position and all notes.  If audited financial statements are not available, the party whose finances are summarized by the statement must certify that the statements are complete and accurate.\n\nIn addition, the Seller must provide a list of:\n\n• All other non-real estate assets, including the market value of each asset, the basis for calculating the value and any note receivables from related entities\n\n• All liabilities and contingent liabilities, including debts under lines or letters of credit, personal guaranties, obligations to limited partnerships and other obligations payable in the future, including the amount and duration of the obligation\n\n• Any factors that may materially affect the Borrower or Required Borrower Principal’s financial position immediately or during the term of the Mortgage\n\nThe Seller must review the financial statements.  Financial statements for which Freddie Mac requires certification must bear the following statement, executed by an individual who is authorized to legally bind the Borrower or Required Borrower Principal:\n\nI hereby certify that these financial statements are complete and accurate representations of the financial condition of [Name of Individual or Entity] as of the date of the statements [if financial statement is for an entity:  and I am duly authorized to bind that entity this certification].\n\nNon-profit Borrower or Required Borrower Principal\n\nIf the Borrower or Required Borrower Principal is a non-profit, the Seller must identify whether the non-profit Borrower’s or Required Borrower Principal’s primary funding sources are from fees on development projects or from competitive sources such as public funding, grants, gifts, or donations that may be subject to budget constraints.\n\n\n\n","The Seller is required to submit to Freddie Mac financial statements from the Borrower and any Borrower Principal that is not a newly formed entity and that is a Required Borrower Principal.\n\nEach financial statement must include the following:\n• Current certified financial statements (dated within six months of delivery of the full underwriting package), including a balance sheet, for the Borrower and each Required Borrower Principal\n• Federal income tax returns for the Borrower for the most recent taxable year, if requested\n\nNOTE:  Freddie Mac may require additional financial statements or federal income tax returns for the three most recent taxable years from the Borrower and each Required Borrower Principal in Freddie Mac's sole discretion.\n\nIf the financial statements are audited, the financial statements must include a statement of changes in financial position and all notes.  If audited financial statements are not available, the party whose finances are summarized by the statement must certify that the statements are complete and accurate.\n\nIn addition, the Seller must provide a list of:\n• All other non-real estate assets, including the market value of each asset, the basis for calculating the value and any note receivables from related entities\n• All liabilities and contingent liabilities, including debts under lines or letters of credit, personal guaranties, obligations to limited partnerships and other obligations payable in the future, including the amount and duration of the obligation\n• Any factors that may materially affect the Borrower or Required Borrower Principal’s financial position immediately or during the term of the Mortgage\n\nThe Seller must review the Borrower financial statements.  Financial statements for which Freddie Mac requires certification must bear the following statement, executed by an individual who is authorized to legally bind the Borrower or Required Borrower Principal:\n\nI hereby certify that these financial statements are complete and accurate representations of the financial condition of\n[Name of Individual or Entity] as of the date of the statements [if financial statement is for an entity:  and I am duly authorized to bind that entity this certification].\n\nNon-profit Borrower or Required Borrower Principal\nIf the Borrower or Required Borrower Principal is a non-profit, the Seller must identify whether the non-profit Borrower’s or Required Borrower Principal’s primary funding sources are from fees on development projects or from competitive sources such as public funding, grants, gifts, or donations that may be subject to budget constraints.\n\n","The Seller must provide to Freddie Mac a flood zone determination (FZD) meeting the requirements of Section 31.8(a)","Any industry-standard green rating or certification, when required for Green Certified buildings. Acceptable green ratings or certifications include \n1. EarthCraft Certification\n2. ENERGY STAR for Multifamily Certification\n3. ENERGY STAR Qualified MF High-Rise Certification\n4. Green Communities Certification\n5. Green Globes Certification\n6. GreenPoint Rated Certification\n7. LEED Certification,\n8. National Green Building Standard Certification and/or\n9. Any other approved certification provided by the applicable authority.\n","For a Property subject to a ground lease, the Seller must provide to Freddie Mac all of the following, with a copy of each to the applicable Multifamily Attorney.  See Chapter 30.\n• A copy of the ground lease and all existing amendments \n• An analysis of the ground lease by Seller's counsel using the Ground Lease Analysis form available on FreddieMac.com\n• Any other items required by Chapter 30\n","The Seller must provide, if applicable:\n• Copies of the original Section 8 HAP Contract along with all amendments and renewals, including evidence of the currently applicable unit rents approved by the US Department of Housing and Urban Development (HUD) or the HAP Contract administrator\n• Section 8 Housing Assistance Payments Contract Questionnaire (available on FreddieMac.com), completed by both Seller and Seller’s counsel\n• Evidence of 2530 clearance for Borrower, Borrower Principals and Management Agent, if applicable\n• Management and Occupancy Review MOR Form, if applicable\n• Current REAC Score, if applicable\n\nSee “rent, income and use restriction documentation”.\n","The Seller must provide, if applicable:\n• Copies of the original Section 8 HAP Contract along with all amendments and renewals, including evidence of the currently applicable unit rents approved by the US Department of Housing and Urban Development (HUD) or the HAP Contract administrator\n• Section 8 Housing Assistance Payments Contract Questionnaire (available on FreddieMac.com), completed by both Seller and Seller’s counsel\n• Evidence of 2530 clearance for Borrower, Borrower Principals and Management Agent, if applicable\n• Management and Occupancy Review MOR Form, if applicable\n• Current REAC Score, if applicable\n\nSee “rent, income and use restriction documentation”.\n","The Seller must provide to Freddie Mac financial statements for the Property as follows:\n\n•Historical property financial statements\nFinancial statements for the Property for the specified period, certified by the Borrower via the Blanket Certification as complete and accurate\nFor a refinance of a Manufactured Housing Community with Home(s) owned by the Borrower or an Affiliate of the Borrower, the Seller must provide income and expense statements of the Home(s.\n\nIf the Mortgage has an original principal balance greater than $100 million or the Mortgage is a TAH Mortgage, the Seller must provide historical property financial statements for the most recent three years, or since the completion of construction of the Property, whichever is less, and including the net rental income, concessions and gross potential rent.\n\n•Current property financial statements (T-12 format)\nCurrent statement for the twelve-month period prior to the month in which the Borrower has made the financing request, certified by the Borrower as complete and accurate. If available, this statement must reflect monthly operations for each of the preceding 12 months. If a monthly summary statement is not available, the Seller must provide a current fiscal year-to-date Property financial statement and a monthly statement for each of the three months prior to the month in which the Borrower has made the financing request.  These statements must be certified by the Borrower as complete and accurate via the Blanket Certification. \n\n•Borrower’s budgeted property financial statements\nThe Borrower’s budget for the following 12-month period, certified by the Borrower as complete and accurate via the Blanket Certification.\n\nThe Seller must review the property financial statements, which must include income and expense statements.\n\nSee the Blanket Certification for instructions on preparing the certification of the property financial statements.\n\nIf the financial statements are audited, they must include a statement of changes in financial position and all notes.\n\n\n\n","A copy of the applicable regulatory agreement imposing tenancy, occupancy and other operating and use restrictions on the Property (for tax-exempt bonds, if applicable, and LIHTC).\n\nSee also “rent, income and use restriction documentation”.\n","A copy of the applicable regulatory agreement imposing tenancy, occupancy and other operating and use restrictions on the Property (for tax-exempt bonds, if applicable, and LIHTC).\n\nSee also “rent, income and use restriction documentation”.\n","The Seller must provide a copy of:\n• The allocation letter\n• The Low-Income Housing Credit Allocation and Certification, IRS Form 8609, used to obtain a housing credit allocation from the housing credit agency when a Property is placed into service\n• The Low-Income Housing Credit Agencies Report of Noncompliance or Building Disposition, IRS Form 8823, if any, that was used to notify the Internal Revenue Service of noncompliance with the requirements of Internal Revenue Code (IRC) §42 from both the property manager and the Borrower Principal.\n\nIn addition, the Seller must obtain from the property manager and the Borrower a report of any unresolved issues with State allocating agencies on existing LIHTC properties.\n\nSee also “rent, income and use restriction documentation”.\n","The Seller must provide a copy of:\n• The allocation letter\n• The Low-Income Housing Credit Allocation and Certification, IRS Form 8609, used to obtain a housing credit allocation from the housing credit agency when a Property is placed into service\n• The Low-Income Housing Credit Agencies Report of Noncompliance or Building Disposition, IRS Form 8823, if any, that was used to notify the Internal Revenue Service of noncompliance with the requirements of Internal Revenue Code (IRC) §42 from both the property manager and the Borrower Principal.\n\nIn addition, the Seller must obtain from the property manager and the Borrower a report of any unresolved issues with State allocating agencies on existing LIHTC properties.\n\nSee also “rent, income and use restriction documentation”.\n","• The Seller/Servicer must obtain the total amount of the management fee as a percentage of effective gross income (EGI), which Freddie Mac will evaluate during the underwriting of the Mortgage.\n• If the Property is managed by the Borrower or the Borrower Principal, the Seller must deliver the Borrower’s management plan.\n• If a management firm is managing the Property, the Seller must include a copy of the management agreement for the Property. \n• If the management agreement will not be assigned to the lender, then the agreement must be terminable by the property owner upon not more than 30 days’ notice to the manager without the necessity of establishing cause for termination and without payment of a penalty or fee.\n\n","Supplemental Mortgages\nThe Seller may submit a Borrower Certification of No Change, if the applicable documents were previously submitted and approved for the Property and there have been no changes since the origination of the latest Mortgage.\n\n",null,"For a Manufactured Housing Community (MHC) Mortgage, a copy of the Manufactured Housing Community Questionnaire, available on FreddieMac.com, with a copy to the applicable Multifamily Attorney. ","For a Manufactured Housing Community (MHC) Mortgage, a copy of the Manufactured Housing Community Questionnaire, available on FreddieMac.com, with a copy to the applicable Multifamily Attorney. ","For a Property subject to a master lease, the Seller must provide:\n• A copy of the master lease and all existing amendments\n• An analysis of the master lease by Seller’s counsel in accordance with Section 6.7\n\n","When required, the Seller must provide a copy of the Property’s Moisture Management Plan meeting the requirements of Section 8.3(a).\n\nIf a Moisture Management plan is required but not yet available, it must be submitted with the final delivery package.  \n","The Seller must provide to Freddie Mac a mortgage transaction narrative analysis, which (at the Seller's option) may be based on the Mortgage Transaction Narrative Analysis – Best Practices available on FreddieMac.com.\n\nThe mortgage transaction narrative analysis must contain the following:\n1. Characteristics of the proposed Mortgage that make it an investment quality Mortgage, risk factors and the reasons the Seller recommends the Mortgage\n2. Property's physical description, including full address with zip code (including amenities, unit features and general competitive advantages and disadvantages)\n3. Property's financial analysis (profile and trend)\n4. Evaluation of balloon risk that includes the Borrower's ability to pay the unpaid principal balance (UPB) of the new Mortgage at maturity\n5. Surrounding property uses and physical condition, public facilities, shopping facilities and sources of employment  \n6. Market analysis (occupancy, supply and concessions)  \n7. History of the Borrower's equity investment in the Property and the Borrower's proposed use of Mortgage proceeds\n8. Description of the Borrower, including a description of the borrowing entity, the Borrower's organizational chart and a summary of the qualifications of the Borrower and all Borrower Principals, including an estimate of the financial capacity of each (that is, estimated net worth, liquidity and contingent liabilities)\n9. Description of property manager, including a summary of the qualifications of the proposed property manager, the number of units managed, how long it has managed the Property and the amount of the management fee.\n\nFor Senior Housing Mortgages \n• the state and / or regional location of all properties under management \n• the type and number of acuity of the units managed or owned, and\n• for Seniors Housing Mortgages that do not require a Seniors Housing Liability Assessment, a description of the depth and level of experience of all key personnel on the onsite, corporate, and regional leadership team of the property manager or Operator.\n\n10. Review of third-party reports, including the Seller/Servicer's reviews of and comments on the Appraisal, environmental and property condition reports (with full underwriting packages only)\n11. Loan history if there is an existing mortgage on the Property\n12. Proposed sources and uses of funds\n13. Information on tenancy characteristics or employer concentration (including whether tenants are primarily elderly, singles or families and whether there is a student or military population) (this item is not required for Seniors Housing Mortgages)\n14. Cash equity at risk\n15. Any exception requests\n16. Name of any Borrower Principal that meet the definition of a Pass-through Entity provided in the Glossary\n\nThe mortgage transaction narrative analysis may also include the property inspection documentation described in Section 8.15(a).\n\nIn addition to items 1 – 16 above, for Seniors Housing Mortgages include:\n1. Property information, including\na. Property type (Independent Living Property, Assisted Living Property, Alzheimers/Dementia Care Property or Continuing Care Retirement Community (CCRC))\nb. Number of units and beds\nc. Average monthly rent\nd. Percentage of skilled nursing beds, if applicable\ne. Percentage of net income derived from skilled nursing beds, if applicable\n\n2. An evaluation of the Borrower's and Third-party Operator’s (if any) experience at the Property and its other properties \n3. The discussion of surrounding property uses must also include hospitals, seniors centers, libraries, restaurants and hotels\n4. A market analysis, in the description of market supply, must include a list of all comparable properties, including address with zip code, number of units and beds, their service type, and approximate distance from the Property. The Seller must submit at least three comparables\n\nIn addition to items 1 – 16 above, for a Supplemental Mortgage behind a Securitized First Mortgage, include:\na. Confirmation of original UPB, current UPB, amortization (identifying any interest-only period), Annual Debt Service (interest-only and amortizing, as appropriate), and maturity date\nb. Identification of Securitization pool\nc. Delinquency report\nd. Most recent inspection report\n\nIn addition to items 1 – 16 above, for a Mortgage securing a Property subject to a condominium regime:\nSee “Condominium Analysis”\n\nIn addition to items 1-16 above, for a Mod Rehab Mortgage:\n1. Summary of renovation scope, budget, and renovation and lease-up schedule.\n2. Tax analysis for both the as-is value and the hypothetical as-if renovated and stabilized today value with support tailored to the Property’s jurisdiction.\n3. Sponsor’s experience and success with other moderate rehabilitation or value-add projects in recent history with detailed explanation of the extent of the renovations and rent appreciation post renovations.\n4. Analysis of any anticipated rent increases or expense savings as a result of the planned renovations at the subject property.\n\n\n\n\n\n","For a Mortgage whose original principal balance is greater than $100 million, the Seller must provide the annual percentage of physically occupied dwelling units for each of the most recent five years, or for each year since the completion of construction, whichever is less.","For any entity that is a Borrower, a Guarantor not in the Borrower’s organizational structure, Master Tenant of a Shariah compliant loan, DST loan or other master lease structure or Operator of a Seniors Housing Property, the Seller must submit to Freddie Mac an organizational chart showing the direct and indirect ownership for that entity identifying any individual or entity: \n\n•\tWith 25 percent or greater aggregate direct or indirect interest in Borrower, Guarantor (not in Borrower’s organizational structure), Master Tenant or Operator including beneficial interests in a Delaware Statutory Trust or Illinois Land Trust\n\n•\tThat is a Non-U.S. Equity Holder\n\n•\tThat directly or indirectly Controls Borrower, Guarantor (not in Borrower’s organizational structure), Master Tenant or Operator including any general partner, managing member, non-managing member, member of a board of managers, settlor/trustee of a living trust or revocable trust or trustee of an irrevocable trust \n\n100 percent of the ownership interest in Borrower must be shown. \n\nThe Seller/Servicer’s counsel must review the Organizational Chart.\n\nSee Guidance – Organizational Charts on FreddieMac.com.\n\n\n","For any entity that is a Borrower, a guarantor, an SPE Equity Owner, or any other Borrower Principal, the Seller must submit to Freddie Mac an organizational chart showing the direct and indirect ownership for that entity identifying all limited partners, general partners and managing members so that 100 percent of the ownership is represented.\n\nAny Borrower Principal that meets the definition of a Pass-through Entity provided in the Glossary must be identified in the mortgage transaction narrative analysis.\n","If an Equity Conflict of Interest exists, as defined in Section 2.25, the Seller/Servicer must disclose the nature and extent of the conflict in writing to Freddie Mac as follows:\n• With the preliminary underwriting package (for a Seller utilizing the early rate-lock delivery option) or the full underwriting package (for a Seller utilizing the standard delivery option), or  \n• For Transfers of Ownership, including Transfers of Ownership occurring in conjunction with the origination of a Supplemental Mortgage, to Multifamily Asset Management, Borrower Transactions","The Seller must provide a current schedule of payroll expenses associated with the operation of the on-site leadership team at the Property, including salary, wages, bonuses, net pay and deductions.\n\n","The LIA is the form used to prepare the preliminary legal issues memorandum (PLIM) at loan origination.  The LIA (and any required updates as described in the LIA instructions) must meet the requirements of Section 6.4. The LIA is available on FreddieMac.com.","The LIA is the form used to prepare the preliminary legal issues memorandum (PLIM) at loan origination.  The LIA (and any required updates as described in the LIA instructions) must meet the requirements of Section 6.4. The LIA is available on FreddieMac.com.","The Seller must provide to Freddie Mac a property condition report meeting the requirements of Chapter 62.\n\nFor Forward Commitments and Mod Rehab Mortgages at Interim Phase underwriting, the pre-construction analysis report replaces the standard property condition report.  See Section 63.3(a) for requirements for the pre-construction analysis report.\n\nFor mortgage loans with UPB of $15 million or less, the Physical Risk report will satisfy the requirements for the Property Condition Report.","The Seller must provide to Freddie Mac a property condition report meeting the requirements of Chapter 62.\n\nFor Forward Commitments and Mod Rehab Mortgages at Interim Phase underwriting, the pre-construction analysis report replaces the standard property condition report.  See Section 63.3(a) for requirements for the pre-construction analysis report.\n\nFor mortgage loans with UPB of $15 million or less, the Physical Risk report will satisfy the requirements for the Property Condition Report.","The Seller must provide to Freddie Mac financial statements for the Property as follows:\n\n•Historical property financial statements\nFinancial statements for the Property for the specified period, certified by the Borrower via the Blanket Certification as complete and accurate\n\nFor a refinance of an MHC with Manufactured Home(s) owned by the Borrower or an Affiliate of the Borrower, the Seller must provide income and expense statements of the Manufactured Home(s).\n\nIf the Mortgage has an original principal balance greater than $100 million or the Mortgage is a TAH Mortgage, the Seller must provide historical property financial statements for the most recent three years, or since the completion of construction of the Property, whichever is less, and including the net rental income, concessions and gross potential rent.\n\n•Current property financial statements (T-12 format)\nCurrent statement for the twelve-month period prior to the month in which the Borrower has made the financing request, certified by the Borrower as complete and accurate. If available, this statement must reflect monthly operations for each of the preceding 12 months. If a monthly summary statement is not available, the Seller must provide a current fiscal year-to-date Property financial statement and a monthly statement for each of the three months prior to the month in which the Borrower has made the financing request.  These statements must be certified by the Borrower as complete and accurate via the Blanket Certification. \n\n•Borrower’s budgeted property financial statements\nThe Borrower’s budget for the following 12-month period, certified by the Borrower as complete and accurate via the Blanket Certification.\n\nThe Seller must review the property financial statements, which must include income and expense statements.\n\nSee the Blanket Certification for instructions on preparing the certification of the property financial statements.\n\nIf the financial statements are audited, they must include a statement of changes in financial position and all notes.\nThe Seller must review the property financial statements, which must include income and expense statements.\n\n\n\n","• Prior to early rate-lock, the Seller must complete and document the inspection described in Section 8.15(a)\n• At full underwriting, the Seller must complete and document the property inspection described in Section 8.15(b)\n• Prior to commitment under a Forward Commitment, the Seller must conduct a Forward Commitment Property Inspection as described in Section 8.16\n• Prior to conversion under a Forward Commitment, the Seller must conduct a complete property inspection as described in Section 8.15(b)\n\nThe inspection requirements must be completed within 120 days of Freddie Mac’s receipt of the applicable underwriting package.\n\nIf Freddie Mac has delegated the property inspection to the Seller, the Seller must acknowledge this delegation on the Property Inspection and Lease Audit form.\n\nSee Section 8.15 for additional information regarding property inspection requirements.\n\n","• Prior to early rate-lock, the Seller must complete and document the inspection described in Section 8.15(a)\n• At full underwriting, the Seller must complete and document the property inspection described in Section 8.15(b)\n• Prior to commitment under a Forward Commitment, the Seller must conduct a Forward Commitment Property Inspection as described in Section 8.16\n• Prior to conversion under a Forward Commitment, the Seller must conduct a complete property inspection as described in Section 8.15(b)\n\nThe inspection requirements must be completed within 120 days of Freddie Mac’s receipt of the applicable underwriting package.\n\nIf Freddie Mac has delegated the property inspection to the Seller, the Seller must acknowledge this delegation on the Property Inspection and Lease Audit form.\n\nSee Section 8.15 for additional information regarding property inspection requirements.\n\n","If the Borrower is acquiring the Property, the Seller must submit to Freddie Mac a copy of the purchase agreement and all amendments, plus a purchase agreement analysis, to include the following:\n1. Calculation of the purchase price, taking into account any\n• Contingency reductions\n• Changes to the price predicated on changes in the closing date\n• Material noncustomary adjustments to closing costs, closing credits, fees (specifically excluding allocations for title insurance, survey costs, brokers' fees, recording taxes and per diem rent, utility or insurance costs)\n2. Identification of the scheduled closing date, together with options to extend\n3. Analysis of all amendments\n4. Confirmation that the purchase agreement and all amendments have been completed and signed\n5. Identification of any contingencies or confirmation that none exist\n6. Identification of any post-closing escrows to be posted by the property seller or the Borrower\n7. Analysis of any environmental hazards, zoning or property conditions identified in the purchase agreement\n8. Certification from the Borrower that there are not any due diligence items in the purchase agreement that have not been revealed and that Borrower acknowledges and agrees that Freddie Mac will not be deemed to have knowledge of any hazardous conditions, zoning issues or property condition issues merely by its possession of the purchase agreement\n\n","If the Borrower is acquiring the Property, the Seller must submit to Freddie Mac a copy of the purchase agreement and all amendments, plus a purchase agreement analysis, to include the following:\n1. Calculation of the purchase price, taking into account any\n• Contingency reductions\n• Changes to the price predicated on changes in the closing date\n• Material noncustomary adjustments to closing costs, closing credits, fees (specifically excluding allocations for title insurance, survey costs, brokers' fees, recording taxes and per diem rent, utility or insurance costs)\n2. Identification of the scheduled closing date, together with options to extend\n3. Analysis of all amendments\n4. Confirmation that the purchase agreement and all amendments have been completed and signed\n5. Identification of any contingencies or confirmation that none exist\n6. Identification of any post-closing escrows to be posted by the property seller or the Borrower\n7. Analysis of any environmental hazards, zoning or property conditions identified in the purchase agreement\n8. Certification from the Borrower that there are not any due diligence items in the purchase agreement that have not been revealed and that Borrower acknowledges and agrees that Freddie Mac will not be deemed to have knowledge of any hazardous conditions, zoning issues or property condition issues merely by its possession of the purchase agreement\n\n","The Seller must provide to Freddie Mac a Form 1116, Real Estate Schedule, for all real estate in which any Required  Borrower Principal that is not newly formed currently has a direct or indirect interest.\n\nThe Real Estate Schedule must be dated within 180 days from the date of submission of the underwriting package and certified by the Required  Borrower Principal as complete and accurate.\n\nThe Required Borrower Principal must\n\n• Provide a written explanation of any non-performing assets in its portfolio\n\n• State whether the Required Borrower Principal owns and manages other properties in the market where the Property is located\n\nIf the Property is a Cooperative or MHROC, the Form 1116, Real Estate Schedule may be waived if the Borrower confirms the following on the Form 1115, Borrower and Borrower Principal Certificate:\n\n• The Property is a Cooperative\n\n• The Borrower does not own any asset other than the Property.\n\n","The Seller must provide to Freddie Mac a Form 1116, Real Estate Schedule, for all real estate in which any Required  Borrower Principal that is not newly formed currently has a direct or indirect interest.\n\nThe Real Estate Schedule must be dated within 180 days from the date of submission of the underwriting package and certified by the Required  Borrower Principal as complete and accurate.\n\nThe Required Borrower Principal must\n\n• Provide a written explanation of any non-performing assets in its portfolio\n\n• State whether the Required Borrower Principal owns and manages other properties in the market where the Property is located\n\nIf the Property is a Cooperative or MHROC, the Form 1116, Real Estate Schedule may be waived if the Borrower confirms the following on the Form 1115, Borrower and Borrower Principal Certificate:\n\n• The Property is a Cooperative\n\n• The Borrower does not own any asset other than the Property.\n\n","The Seller must provide to Freddie Mac a Form 1116, Real Estate Schedule, for all real estate in which any Required  Borrower Principal that is not newly formed currently has a direct or indirect interest.\n\nThe Real Estate Schedule must be dated within 180 days from the date of submission of the underwriting package and certified by the Required  Borrower Principal as complete and accurate.\n\nThe Required Borrower Principal must\n\n• Provide a written explanation of any non-performing assets in its portfolio\n\n• State whether the Required Borrower Principal owns and manages other properties in the market where the Property is located\n\nIf the Property is a Cooperative or MHROC, the Form 1116, Real Estate Schedule may be waived if the Borrower confirms the following on the Form 1115, Borrower and Borrower Principal Certificate:\n\n• The Property is a Cooperative\n\n• The Borrower does not own any asset other than the Property.\n\n","The Seller must provide to Freddie Mac a Form 1116, Real Estate Schedule, for all real estate in which any Required  Borrower Principal that is not newly formed currently has a direct or indirect interest.\n\nThe Real Estate Schedule must be dated within 180 days from the date of submission of the underwriting package and certified by the Required  Borrower Principal as complete and accurate.\n\nThe Required Borrower Principal must\n\n• Provide a written explanation of any non-performing assets in its portfolio\n\n• State whether the Required Borrower Principal owns and manages other properties in the market where the Property is located\n\nIf the Property is a Cooperative or MHROC, the Form 1116, Real Estate Schedule may be waived if the Borrower confirms the following on the Form 1115, Borrower and Borrower Principal Certificate:\n\n• The Property is a Cooperative\n\n• The Borrower does not own any asset other than the Property.\n\n","If the Borrower is acquiring the Property, the Seller must provide to Freddie Mac a copy of the most recent real estate tax bill from the Property's local taxing authority.\n\nIf the Mortgage is being originated for the purpose of new construction, a real estate tax bill is not required.\n\n","The Seller must provide to Freddie Mac proof of compliance with any applicable State or local requirement for the registration of rents, including evidence of the current registered rent for each unit in the Property.  Freddie Mac may require similar proof of compliance with such requirements for prior years and may require other evidence of compliance with State or local rent control or stabilization laws.\n\n","The Seller must provide copies of any existing regulatory agreements (including any amendments) creating tenant income, rent or other operating or use restrictions for the Property.\n\nIf applicable, see also:\n• Land Use Restriction Agreement (LURA)/Regulatory Agreement (for tax-exempt bonds, if applicable, and LIHTC)\n• Low-Income Housing Tax Credit (LIHTC) allocation and certification documentation\n• Housing Assistance Payments (HAP) contract\n• Registration of rental units (rent control/stabilization)\n","The Seller must provide copies of any existing regulatory agreements (including any amendments) creating tenant income, rent or other operating or use restrictions for the Property.\n\nIf applicable, see also:\n• Land Use Restriction Agreement (LURA)/Regulatory Agreement (for tax-exempt bonds, if applicable, and LIHTC)\n• Low-Income Housing Tax Credit (LIHTC) allocation and certification documentation\n• Housing Assistance Payments (HAP) contract\n• Registration of rental units (rent control/stabilization)\n","The Seller must review and provide to Freddie Mac a rent roll that meets the following requirements. An optional Rent Roll Template can be found on FreddieMac.com: \n•\tIs dated within 30 days of the underwriting package submission.  \n•\tIs complete with respect to the required information below for each unit.  \n\nFor a Property that is not secured by a Seniors Housing Mortgage:\n\n1.\tTenant's name(s) \n1.\tTenant's name(s) \n2.\tUnit number or identification \n3.\tUnit type (number of bedrooms and bathrooms) \n4.\tSquare footage of each unit \n5.\tOccupancy status by unit and by bed, if applicable\n6.\tIdentification of any employee units, model units, and units used as rental offices\n7.\tMonthly contract rent \n8.\tConcessions, rebates or discounts given to tenant, if applicable\n9.\tArrearages owed by tenant, if any \n10.\tSubsidies, if applicable (specify type)\n11.\tRent controlled or rent stabilized, if applicable \n12.\tOriginal occupancy date, per tenant\n13.\tLease commencement date\n14.\tLease expiration date and renewal options, if any\n15.\tMonth-to-month status, per tenant\n16.\tAmount of security deposit held\n17.\tFurnished or unfurnished status\n\nFor a Property secured by a Seniors Housing Mortgage:\n\n1.\tTenant’s name(s) \n2.\tUnit number or identification \n3.\tUnit type (number of bedrooms and bathrooms) \n4.\tOccupancy status\n5.\tIdentification of any employee units, model units and units used as rental offices \n6.\tMonthly rent and concessions, if applicable, without regard to any applicable additional resident fees, subsidies, or concessions, rebates or discounts given to tenant.  If Property or resident receives any Medicaid income, Medicaid subsidy/ reimbursement must be listed separately from the rent the resident pays\n7.\tEntrance fees, community fees or other upfront fees held or charged (refundable or nonrefundable)\n8.\tAdditional fees for second residents, if applicable.  If the unit has two unrelated occupants, rents for each resident should be combined\n9.\tFees for resident care associated with Activities of Daily Living (ADLs) \n10.\tMiscellaneous ancillary fees, such as furniture rental, beautician, unscheduled transportation or interest income \n11.\tArrearages owed by tenant, if any \n12.\tLease commencement date\n13.\tOriginal occupancy date, per tenant\n14.\tLease expiration date and renewal options, if any\n15.\tMonth-to-month status, per tenant\n16.\tAmount of security deposit held \n\nFor Mortgages originated under a Forward Commitment:\n\n•\tA rent roll is not required in the full underwriting package for a Mortgage originated for new construction\n\n•\tFor a TAH Cash or TAH Bond Credit Enhancement Conversion Underwriting Package, the rent roll must cover the preceding 90 days and must be dated within 45 days of the Conversion\n\nIn addition to the rent roll, for an LIHTC Property where the Income Averaging Set-Aside has been applied, the Seller must provide a rent roll analysis confirming that rents on the Origination Date will meet the average AMI requirements.\n","The Seller must review and provide to Freddie Mac a rent roll that meets the following requirements. An optional Rent Roll Template can be found on FreddieMac.com: \n•\tIs dated within 30 days of the underwriting package submission.  \n•\tIs complete with respect to the required information below for each unit.  \n\nFor a Property that is not secured by a Seniors Housing Mortgage:\n\n1.\tTenant's name(s) \n1.\tTenant's name(s) \n2.\tUnit number or identification \n3.\tUnit type (number of bedrooms and bathrooms) \n4.\tSquare footage of each unit \n5.\tOccupancy status by unit and by bed, if applicable\n6.\tIdentification of any employee units, model units, and units used as rental offices\n7.\tMonthly contract rent \n8.\tConcessions, rebates or discounts given to tenant, if applicable\n9.\tArrearages owed by tenant, if any \n10.\tSubsidies, if applicable (specify type)\n11.\tRent controlled or rent stabilized, if applicable \n12.\tOriginal occupancy date, per tenant\n13.\tLease commencement date\n14.\tLease expiration date and renewal options, if any\n15.\tMonth-to-month status, per tenant\n16.\tAmount of security deposit held\n17.\tFurnished or unfurnished status\n\nFor a Property secured by a Seniors Housing Mortgage:\n\n1.\tTenant’s name(s) \n2.\tUnit number or identification \n3.\tUnit type (number of bedrooms and bathrooms) \n4.\tOccupancy status\n5.\tIdentification of any employee units, model units and units used as rental offices \n6.\tMonthly rent and concessions, if applicable, without regard to any applicable additional resident fees, subsidies, or concessions, rebates or discounts given to tenant.  If Property or resident receives any Medicaid income, Medicaid subsidy/ reimbursement must be listed separately from the rent the resident pays\n7.\tEntrance fees, community fees or other upfront fees held or charged (refundable or nonrefundable)\n8.\tAdditional fees for second residents, if applicable.  If the unit has two unrelated occupants, rents for each resident should be combined\n9.\tFees for resident care associated with Activities of Daily Living (ADLs) \n10.\tMiscellaneous ancillary fees, such as furniture rental, beautician, unscheduled transportation or interest income \n11.\tArrearages owed by tenant, if any \n12.\tLease commencement date\n13.\tOriginal occupancy date, per tenant\n14.\tLease expiration date and renewal options, if any\n15.\tMonth-to-month status, per tenant\n16.\tAmount of security deposit held \n\nFor Mortgages originated under a Forward Commitment:\n\n•\tA rent roll is not required in the full underwriting package for a Mortgage originated for new construction\n\n•\tFor a TAH Cash or TAH Bond Credit Enhancement Conversion Underwriting Package, the rent roll must cover the preceding 90 days and must be dated within 45 days of the Conversion\n\nIn addition to the rent roll, for an LIHTC Property where the Income Averaging Set-Aside has been applied, the Seller must provide a rent roll analysis confirming that rents on the Origination Date will meet the average AMI requirements.\n","The Seller must provide to Freddie Mac the following certification in a letter on the Seller's stationery:\n\n“Seller certifies that it is familiar with and in compliance with the warranties and representations that, pursuant to Chapter 5 of the Freddie Mac Multifamily Seller/Servicer Guide, it is deemed to make with respect to each Mortgage and related information delivered to Freddie Mac.”\n\n"," The Seller must prepare the Seller's pro forma property financial statements for the next 12 months.  The statements must include historical and year-to-date annualized income and expense information for comparison purposes.\n\n","If a Property is located in an Elevated Seismic Hazard Region, the Seller must provide to Freddie Mac a Seismic Risk Assessment (SRA) and a copy of the Peak Ground Acceleration (PGA) calculation obtained from the United States Geological Survey (USGS) website, as required by Section 64.2.  If a Level 1 SRA is required the Seller must also provide to Freddie Mac Form 1102, Seismic Risk Assessment Summary.","For all Mortgages, the Seller must provide to Freddie Mac a copy of the mortgage loan application executed by the Borrower and submitted to the Seller.  The application must evidence all material terms of the proposed mortgage financing.  In addition, for Mortgages submitted under the early rate-lock delivery option, the Seller’s application must evidence the Borrower's obligation to pay the Borrower Breakage Fee (see Section 27.2).\n\nFor any Mortgage, the mortgage loan application must include the following authorization by the Borrower:\n\n“The Borrower understands that [Name of Seller] intends to sell the mortgage loan for which Borrower is applying (the \"Mortgage\") to Freddie Mac. If Freddie Mac purchases the Mortgage, the Borrower's signature below constitutes the Borrower's authorization for Freddie Mac to publicly use, at Freddie Mac's discretion, the name of the Property, photographs of the Property, and basic transaction information (for example, the number of units in the Property, the loan amount, etc.) relating to the Mortgage.”\n\nFor any cash execution Mortgage, the mortgage loan application must also include the following acknowledgements by the Borrower:\n\n• “The Borrower understands that subsequent to the closing of the Mortgage, Freddie Mac may require regular financial statements from the Borrower outlining the Property’s financial performance.”\n\n• “The Borrower acknowledges that this Mortgage will be sold to Freddie Mac and that Freddie Mac may sell this Mortgage into a commercial mortgage-backed securitization or similar type execution and may not hold this Mortgage in Freddie Mac’s portfolio.”\n\nFor a Mortgage originated under the Multifamily Housing Bond Credit Enhancement program, the mortgage loan application must include the following authorization by the Borrower:\n\n“The Borrower understands that Freddie Mac intends to credit enhance the mortgage loan for which Borrower is applying (the “Mortgage”).  If Freddie Mac credit enhances the Mortgage, the Borrower’s signature below constitutes the Borrower’s authorization for Freddie Mac to publicly use, at Freddie Mac’s discretion, the name of the Property, photographs of the Property, and basic transaction information (for example, the number of units in the Property, the loan amount, etc.) relating to the Mortgage.”\n\n","The Seller must provide to Freddie Mac a copy of all potentially material contracts and agreements by the Borrower, manager or operator of the Property related to the ownership and operations of the Seniors Housing Property, acceptable to Freddie Mac, including, but not limited to contracts:\n\n•\tfor preparing and serving food (not including food supply contracts),\n•\tfor medical services or healthcare provider agreements, regardless of annual consideration or term, or\n•\tof which the average annual consideration, directly or indirectly, is at least $50,000\n\nGenerally, copies of contracts for routine maintenance such as landscaping, snow removal or general office equipment are not required.  \n\nThe Seller must also provide a certification from the Borrower listing the contracts that fall into the foregoing categories, and who among the Borrower, operator, and property manager is a party to each contract.  If there are no contracts that fall into the foregoing categories, the Seller must provide a certification from the Borrower to that effect.\n\nThe Legal Issues Analysis must specify (i) any contracts that should be considered material for purposes of the Loan Agreement, and (ii) recommendations regarding assignments of contracts that are not in the Borrower’s name.","If the Property includes assisted living, Alzheimer's care or skilled nursing units, the Seller must provide to Freddie Mac a Seniors Housing Liability Assessment for each property manager or Operator to evaluate its risk management practices with respect to employees, residents and incident reporting.  \n\nThe Seniors Housing Liability Assessment must be performed by a professional meeting the requirements of Section 21.2(i) and the Seller/Servicer must document the suitability of the professional in the Liability Assessment.\n\nThe Seniors Housing Liability Assessment must address the following topics:\n\n1.\tProfessional Qualifications\n\na.\tExperience\nMinimum of five years’ experience in geriatrics/long-term-care clinical practices.\n\nb.\tEducation\nMinimum of five years as a Licensed Administrator, licensed practical nurse (LPN) registered nurse (RN), or Physician Extender (PA, RNP)\n\nc.\tReferences, which address: \n1.\tScope of work \n2.\tQuality of recommendations given \n3.\tQuality of resources provided \n4.\tTimeliness of work product \nd.\tSample work product:\n1.\tCopy of typical assessment report\n2.\tSample recommendations based on industry exposures\n3.\tSample resources provided to clients to assist in reducing risk to claims \n4.\tTraining programs offered \n5.\tMonitoring programs offered \n2.\tEmployee Practices\n\na.\tRisk Management policies and procedures identifying background checks, reference checks and analyzing the background of individuals employed at the Property (e.g., appropriate credentials and certifications)\nb.\tHiring and screening practices and personnel policies (e.g., employee handbook, orientation materials, initial and in-service training materials, available resources, etc.)\nc.\tIdentification of the use of electronic systems including Billing, Medical Administration Record (MAR), Patient care management, and Marketing\nd.\tCompliance with state property staffing requirements including staff to resident ratios per shift and temporary staff and shift change procedure as applicable by state regulations\n\n3.\tManagement Practices\n\na.\tKey Topics\n1.\tEvidence of written employee policies and procedures manual\n2.\tStaff orientation, screening and discipline regarding resident care issues\nb.\tList of key Property level staff including:\n1.\tA list of the key Property level positions\n2.\tThe tenure of individuals in their positions at the facility\n3.\tThe amount of experience the individuals have in the seniors housing industry\n4.\tResumes should be attached to the report\nc.\tIdentification of the availability and usage of home health services including:\n1.\tIdentify whether home health services are being used at the Property\n2.\tIdentify who is providing or contracting with the home health services – for example is it the Borrower, a Borrower Affiliate, the Operator, an Operator Affiliate, or a third party\n3.\tIf home health services are provided or contracted by the Borrower or Operator verify the provider’s certification or licensing, as required by state as well as a copy of the referenced contract \n4.\tIdentify whether the home health provider leases space or not at the Property\n5.\tType of services offered by home health agency\nd.\tRisk management policies and procedures, including identifying and analyzing the background/experience of individuals employed by the Borrower or the Operator to handle insurance and risk management matters.\ne.\tCorporate / Regional Support and Quality Assurance:\n1.\tDiscussion of the corporate / regional oversight or 3rd-party contract of the facility including identification of the corporate / regional staff that visit the Property including their title and frequency of visits\n2.\tCopy of any risk management tools and summary reports/ audits, if available \n3.\tImplementation of a quality assurance program addressing the regulatory compliance and whether internal results are tracked, trended, analyzed or benchmarked against other properties operated\n4.\tResident Practices:\n\na.\tThe following must be provided, documented, and analyzed regarding resident practices:\n1.\tCopy of written admission agreement(s) and fees that identify scope of services to be provided\n2.\tCopy of resident assessment forms and qualifications of staff responsible for assessing residents prior to admission, as well as how often residents are assessed going forward\nb.\tConfirmation that specific policies and procedures are in place to address the following conditions:\n1.\tResident service plan established and updated with changes in condition\n2.\tResident evacuation in case of emergency\n3.\tFall management\n4.\tElopement/Wandering\n5.\tSkin Care\n6.\tElder Abuse\n7.\tDehydration/Malnutrition\n8.\tNeglect\n9.\tMental health behavior plan\n10.\tPhysical notification for change in resident condition\n11.\tMedication management\n12.\tSmoking\n13.\tTransfer/Discharge\n14.\tInfectious Control\nc.\tCollection of Resident Turnover data by care type to calculate the turnover ratio for the most current year available\n\n5.\tRegulatory Compliance:\n\na.\tIdentity of governmental authorities with jurisdiction over the Property, as well as each governmental authority's definition of the level of care permitted at the Property.\n\nb.\tCopies and a summary of all governmental surveys for last three-years or three certification periods including a summary and analysis of any deficiencies or enforcement actions cited in the surveys. The severity, repeated deficiencies and type of enforcement action (such as probation or ban on admissions) must be part of the analysis, categorized by the following topics:\n1.\tState Health Inspections\n2.\tFire / Life Safety Inspections\n3.\tFood Safety Inspections\nc.\tCopies of the Plan of Corrections (POCs) submitted by the owner or Operator and the date of acceptance of the government authority, if applicable.  If the POC has not been accepted by the government authority, then the process required to resubmit plan of correction of deficiencies must be provided including any steps already taken or remaining to complete. If the correction requires re-inspection, this should be noted and whether it will occur at the next standard licensure inspection or earlier date.\n\nd.\tDiscussion of whether the Property is in substantial compliance from most recent inspection and is permitted to continue operations until re-inspection.\n\ne.\tList and copies of all licenses and permits needed to operate the Property, the expiration date of such licenses, and if the license is transferable to include, but not limited to:\n1.\tState health licenses \n2.\tBusiness licenses\n3.\tFood permits\nf.\tIf a change in licensure is necessary, the report must detail the summary of licensing procedures required to affect a change in Property ownership, any service provider, authority to operate, or management, including the timeline for licensure change, the identification of the state or local governmental authority that needs to receive notice or provide approval, and the content of the notice.\n\ng.\tIf the Property receives any sort of subsidy program (for example Medicaid/ Medicare), then the report must include the following:\n1.\tAssessment of the status of any federal, state, or local proposed regulations or amendments to existing regulations that could affect the Property\n2.\tIdentification and analysis of any special insurance requirements required by any government authority.\n6.\tRecommendation / Summary:\n\na.\tOnsite inspection of the Property\n\nb.\tAn overall assessment of employee, management and resident practices as well as regulatory compliances affecting the Property, including the identification and analysis of shortcomings with recommendations on matters to the ownership, operation or management of the Property\n\nc.\tList of sources and references used to complete the report\n\n","The Seller must provide the following to Freddie Mac:\n• A list of any and all licenses, certificates and permits required for the operation of the Property\n• A copy of each existing license, certificate or permit issued by any governmental or regulatory authority, whether issued to the Borrower, the manager or the operator of the Property, and the renewal date of each such license, certificate or permit  \n• Documentation pertaining to any pending or outstanding violations, findings, investigations or corrective actions by such governmental or regulatory authority with respect to the Property and the status of any corrective actions pending or resolved within the previous three years\n\nSee Section 21.3(e) for additional license requirements.\n\n","The Seller must provide the following to Freddie Mac:\n• A list of any and all licenses, certificates and permits required for the operation of the Property\n• A copy of each existing license, certificate or permit issued by any governmental or regulatory authority, whether issued to the Borrower, the manager or the operator of the Property, and the renewal date of each such license, certificate or permit  \n• Documentation pertaining to any pending or outstanding violations, findings, investigations or corrective actions by such governmental or regulatory authority with respect to the Property and the status of any corrective actions pending or resolved within the previous three years\n\nSee Section 21.3(e) for additional license requirements.\n\n","The Seller must submit to Freddie Mac a list of items or classes of items of all furniture, fixtures, equipment and motor vehicles located on or used in connection with the Property (“FF&E”) that are not owned by the Borrower, including the name of the owner of each item.  \n\nThe list must be certified by the Borrower to be true and complete.\n\nIf all FF&E is owned by the Borrower, the Seller must provide a certification from the Borrower to that effect.\n\nThe Legal Issues Analysis must include the Seller’s counsel’s recommendation with respect to the Lender’s security interest in FF&E and motor vehicles not in the Borrower’s name.","A Seniors Housing Management Assessment is required for any Seniors Housing Mortgage with a UPB greater than or equal to $50 million, or for any Seniors Housing Mortgage that is part of a crossed pool, if the pool has a UPB greater than or equal to $100 million. \n\nThe Seniors Housing Management Assessment is a narrative report that describes and  assesses the experience and capabilities of the Manager or Operator of the Property regarding the daily use and operation of the Property. It is required, whether the Manager or Operator of the Property is or is not an affiliate of the Borrower. \n\nThe Seller may prepare the Seniors Housing Management Assessment, or may contract for its preparation by a third-party.\n\nThe Seniors Housing Management Assessment must address each of the categories outlined below: \n\n1. Management structure and experience\n\na. Organizational charts that identify all reporting relationships at the corporate, regional, and Property levels\n\nb. Description of the depth and level of experience of all key personnel at the corporate, regional, and Property levels\n\n2. Employee / Management Practices\n\na. Corporate, regional, and Property level hiring and retention practices\n\nb. Interaction between corporate / regional staff with Property level staff\n\nc. Corporate training practices\n\n3. Healthcare IT\n\nReview of the corporate and property level healthcare information technology including accounting, resident management, marketing, resident assessments, resident service plans, activities, medication administration records, and electronic health records.\n\n4. Risk Management Program\n\na. Corporate policies and procedures for reviewing, investigating, and reporting incidents and accidents\n\nb. Corporate level assessment of operations and clinical issues\n\nc. Corporate GL/PL insurance overview \n\n5. Regulatory Compliance\n\nCorporate quality assurance program practices.\n\n6. Summary and Conclusion\n\nOverall conclusion on the competency of Manager or Operator experience and capabilities and whether they meet, exceed, or fall short of industry standards.\n\n\n\n5.  Policies and procedures\na.  List of policies and procedures  \nb.  Description of how the policies are defined, written and updated and how they are made available to employees  \n\n6.  Property assessment\na.  Maintenance program  \nb.  Activities planning  \nc.  Security  \nd.  Delivery of care services, both in-house and contract  \ne.  Marketing approach in the community \nf.  Employee-to-resident ratios  \n g.  Review of resident surveys\n\n","In addition to the Form 1116, Real Estate Schedule, or other form, for a Borrower who leases the Property to a third party operator, the Seller must provide Freddie Mac with the following information for each of the other such properties run by the operator:\n1. Name, address and location\n2. Term of the contract\n3. Property owner's name, address and telephone number\n4. Type of resident care, if any, provided (for example, independent living, assisted living, dementia care or skilled nursing care)\n5. A list of any required licenses and certifications that are not current and in good standing\n\n","The Seller must submit to Freddie Mac a completed and executed Form 1120, Student Housing Questionnaire, for each Student Housing Property.","The Seller must provide documentation for any subordinate debt, such as the note, mortgage, loan agreement and regulatory agreement or, if the subordinate loan has not yet been originated, the forms of such documents and the commitment for the subordinate loan.\n\n","The Seller must provide documentation for any subordinate debt, such as the note, mortgage, loan agreement and regulatory agreement or, if the subordinate loan has not yet been originated, the forms of such documents and the commitment for the subordinate loan.\n\n","For a Targeted Affordable Housing Mortgage, the Seller must provide to Freddie Mac Form 1144, Verification of Collections, completed and certified by the Borrower or Borrower Principal.  The last full month of verified collections must be dated within 30 days of package submission, unless otherwise specified by Freddie Mac.  In lieu of a Form 1144, the Borrower may provide certified operating statements for the most recent three months.","For any building on the Property with a structure or significant components that could be subject to damage by wood-damaging insects (e.g., termites, powderpost beetles, carpenter ants, etc.), the Seller must provide the following documentation to Freddie Mac:\n• A wood-damaging insect inspection report stating that there is no evidence of wood-damaging insect infestation, or\n• Certification from the Property’s current pest control provider stating that there is no evidence of wood-damaging insect infestation and the Property is regularly inspected and/or treated to prevent wood-damaging insect infestation.\n\nThe wood-damaging insect inspection report or the certification from the Property’s current pest control provider must be dated within six months prior to the date of the submission of the full underwriting package to Freddie Mac.\n\nAn inspection report or a certification from the current pest control provider is not required provided that all of the following conditions are met:\n• The Borrower provides documentation confirming that there is a wood-damaging insect contract in place for the Property\n• The Mortgage has an initial principal balance of $15 million or less, or the Mortgage is a Supplemental Mortgage and the combined initial principal balance of the Supplemental Mortgage and the unpaid principal balance of any senior Mortgages encumbering the Property are $20 million or less in the aggregate\n• The Mortgage is not a Moderate Rehabilitation Mortgage, a Lease-up Mortgage, a Value-add Mortgage or a Forward Commitment Mortgage\n\nSee also Sections 62.5(a), Property grounds and buildings, 62.5(e) Wood-damaging insects and Section 8.2(e) Wood-damaging insect inspection reports.","The Seller must provide a zoning report by a third-party reporting company.  See Section 8.5 for additional documentation and analysis requirements if:\n\n•\tThe Property does not conform to current zoning regulations\n\n•\tA zoning report is not available in the jurisdiction where the Property is located\n\n•\tNot all certificates of occupancy required for the use, operation and occupancy of the Property are available\n\nRegardless of whether a zoning report is required, for all full underwriting packages, the Seller must include all available certificates of occupancy as part of the zoning documentation. \n\nThe zoning report may also include documentation of building code violations.\n\nA zoning report is not required if the Appraisal includes the zoning analysis required by Section 60.12(f)(2) and all of the following conditions are met:\n\n•\tThe Mortgage has an initial principal balance of $20 million or less, or the Mortgage is a Supplemental Mortgage and the combined initial principal balance of the Supplemental Mortgage and the unpaid principal balances of any senior Mortgages encumbering the Property are $25 million or less in the aggregate\n\n•\tThe Mortgage is not a Moderate Rehabilitation Mortgage, a Lease-up Mortgage, a Value-add Mortgage or a Forward Commitment Mortgage\n\nSee Guide Section 8.5 for complete requirements.","The Seller must provide a zoning report by a third-party reporting company.  See Section 8.5 for additional documentation and analysis requirements if:\n\n•\tThe Property does not conform to current zoning regulations\n\n•\tA zoning report is not available in the jurisdiction where the Property is located\n\n•\tNot all certificates of occupancy required for the use, operation and occupancy of the Property are available\n\nRegardless of whether a zoning report is required, for all full underwriting packages, the Seller must include all available certificates of occupancy as part of the zoning documentation. \n\nThe zoning report may also include documentation of building code violations.\n\nA zoning report is not required if the Appraisal includes the zoning analysis required by Section 60.12(f)(2) and all of the following conditions are met:\n\n•\tThe Mortgage has an initial principal balance of $20 million or less, or the Mortgage is a Supplemental Mortgage and the combined initial principal balance of the Supplemental Mortgage and the unpaid principal balances of any senior Mortgages encumbering the Property are $25 million or less in the aggregate\n\n•\tThe Mortgage is not a Moderate Rehabilitation Mortgage, a Lease-up Mortgage, a Value-add Mortgage or a Forward Commitment Mortgage\n\nSee Guide Section 8.5 for complete requirements.\n","A pre-construction analysis report meeting the requirements of Section 63.3(a) is required.\n\nFor Forward Commitments and Mod Rehab Mortgages at Interim Phase underwriting, the pre-construction analysis report replaces the standard property condition report.  See Section 63.3(a) for requirements for the pre-construction analysis report.\n","For all Mod Rehab Mortgages, the Seller/Servicer must provide the documentation listed below.  For a Preservation Rehabilitation Mortgage, Freddie Mac may request the Seller/Servicer to include the following documentation in the underwriting package.\n\n• Construction budget – hard costs and material quantities\n\n• Development budget – total project costs, including soft costs, financing costs, land acquisition expenses and hard costs\n\n• Construction schedule – the timeline for major construction activities\n\n• Lease-up schedule – the timeline for the lease-up\n\n• Final plans and specifications – a clear picture of the Property’s appearance and new features post-renovation.  Plans and specifications are considered to be final when they are stamped and sealed by the associated professional\n\n• Construction contract – the contract between the Borrower and the general contractor for the completion of all planned renovations\n\n• Development team’s qualifications – key staff resumes, a summary of experience with similar projects and years in business.  Members of the development team include the sponsor, the architect, the general contractor and the management company\n\n• Servicing team’s qualifications – staff resumes and summary of experience with similar projects.  Members of the Servicing team include individuals responsible for administration and those responsible for physical inspections\n\nWork in Progress: If renovation work commenced before underwriting, additional information is required:\n\n• Sponsor certification regarding all work completed and costs expended\n\n• All executed change orders to date\n\n• All construction monitoring reports to date.\n\nFor any new construction (i.e., new residential or amenity building), a more detailed breakout within the budget, schedule, and plans/specs is required. \n\nSee Chapter 63 for additional information about renovation documentation.\n","The Seller/Servicer has the option to provide to Freddie Mac a completed Form 1108, Physical Risk Report meeting the requirements of Chapter 66 in lieu of an environmental report and a property condition report for a Mortgage that meets all of the following conditions:\n• The Mortgage has an initial principal balance of $20 million or less, or the Mortgage is a Supplemental Mortgage and the combined initial principal balance of the Supplemental Mortgage and the unpaid principal balances of any senior Mortgages encumbering the Property are $25 million or less in the aggregate\n• The Mortgage is not a Moderate Rehabilitation Mortgage, a Lease-up Mortgage, a Value-add Mortgage or a Forward Commitment Mortgage\n\nSee Chapter 66 for additional information\n","For a Manufactured Housing Resident-Owned Community (MHROC) Mortgage, a copy of the Manufactured Housing Resident-Owned Community Analysis, available on FreddieMac.com, with a copy to the applicable Multifamily Attorney.","If the Property is owned by a cooperative housing corporation, the Seller must submit to Freddie Mac a cooperative analysis that includes\n1. The following information as it pertains to the sellout of the cooperative:\n• Date property converted to cooperative\n• Percentage of units sold to owner-occupants (including sublets)\n• Percentage of units sold to owner-occupants that are sublet\n• Percentage of units sold to non-sponsor owned investors\n• Percentage of units held by sponsor or sponsor-related entities \n2. Current financial statements for any one owner that holds 20 percent or more of the Cooperative's shares.  If an owner of 20 percent or more is a corporation, partnership or other legal entity, the Seller must deliver financial statements for each officer, general partner or trust beneficiary, including sponsors and beneficiaries that hold unsold shares. All such financial statements must be certified or audited.\n3. Maintenance fee delinquency report for the previous 12 months showing the number of units delinquent for each month and the corresponding dollar value\n4. Analysis of the sponsor's current cash flow from unsold units (rent roll detailing rent, maintenance for each unit, and debt service, if applicable)\n5. Analysis of the sponsor's ability to support negative cash flow from unsold units, if applicable\n6. Analysis of pro forma Income and Expense Statements showing the economic results if the Property was operated as a rental and as a cooperative\n7. Analysis of the estimated value of the Property as a cooperative (co-op) and as a rental project\n8. Information on unit sales over the last 12 months including date of sale, unit number, unit type and sale price.  If sales over the last 12 months do not include all unit types, provide information on earlier sales so that all unit types are represented\n9. Analysis of maintenance costs compared to market rents for each unit type","A certification that the Organizational Chart is accurate and all owners with a 25 percent or more interest and all Non-U.S. Equity Owners and Control are shown on the organizational chart. If prior to the loan origination or Transfer of Interests the Organizational Chart becomes inaccurate, the Seller must submit a revised Organizational Chart along with a new Form 1114, Certification — Organizational Chart.","A  Complete Borrower/Borrower Principal Due Diligence Package consists of Form 1115, Borrower and Borrower Principal Certificate; Form 1116, Real Estate Schedule; certified current financial statements for the Borrower and Required Borrower Principals and a credit report for required Borrower Principals that are individuals. It  is submitted as part of the underwriting package and/or prescreen package to Freddie Mac.","Freddie Mac requires the property inspector to upload, to DMS as part of the required Property inspection documentation, a sample or unexecuted residential lease or an executed residential lease.","For an MHC Mortgage with MHC Tenant Protections, including all MHC Mortgages quoted on or after September 1, 2021 (unless MHROC, government-owned, or non-profit owned), the Seller must submit the documentation noted in either a. or b. below:\n\na.\tForm of Agreement with MHC Tenant Protections that will be executed or acknowledged by the Applicable MHC Residents.\nSeller’s counsel must confirm that the Form of Agreement includes all MHC Tenant Protections (including the conflicts of law provision) and requires a written signature of the Applicable MHC Residents.  See the MHC Tenant Protections section in the LIA to understand the Borrower’s final selection.\nIf the above Form of Agreement (e.g. Rules and Regulations) will not be signed by the Applicable MHC Residents, then a sample form of acknowledgement from the Applicable MHC Residents of the above Form of Agreement is required.  See the MHC Tenant Protections section in the LIA.\n\nb.\tFor Mortgages originated on or after August 2, 2021 where the Borrower has elected to incorporate the MHC Tenant Protections in the MHC rules and regulations and deliver to each Applicable MHC Resident an MHC Tenant Protections Notification: (1) a copy of the MHC rules and regulations that include the MHC Tenant Protections, and (2) the form of MHC Tenant Protections Notification.  Seller’s counsel must confirm that the MHC rules and regulations and form of MHC Tenant Protections Notification include all the MHC Tenant Protections, including the conflicts of law provision.","The Seller has assigned the Diverse Borrower Certification to the Borrower at the below link in myOptigo.\n\nhttps://my.optigo.com/dls/diverse-borrower-lender-webform","The Seller must provide Freddie Mac with Form 1209, Green Retrofits Certification, executed by the Borrower, (i) if the Borrower seeks to qualify for a Green Retrofits benefit; or (ii) in connection with a TAH TEL Conversion.\n\nForm 1209 requests certification of the energy and/or water efficiency improvements currently in place at the Property as of the completion date of Form 1209 and made during the then current calendar year and the preceding two calendar years.\n\nThe executed and completed Form 1209 must be submitted as part of the full underwriting package (or as part of the preliminary underwriting package in the case of an early rate lock option). For TAH TEL conversions, the executed form must be submitted as part of the full underwriting package at the time of the TAH TEL Conversion."]