Bulletin 2025-H: Refactoring

Summary

Freddie Mac has refactored several chapters of its Single-Family Seller/Servicer Guide to improve readability and organizational structure. This update does not alter existing mortgage requirements or underwriting policies, although internal Guide cross-references have been updated to reflect the new formatting.

Bulletin 2025-H

Refactoring

Issued 12/17/2025

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TO: Freddie Mac Sellers and Servicers

SUBJECT: REFACTORING

To improve ease of use of our Guide, a number of Guide chapters have been refactored to enhance readability. No requirements were changed as a result of this new formatting, although cross-references to the refactored chapters have been updated.

For a full list of Guide impacts related to Guide refactoring, see the Guide Updates Spreadsheet section below.

GUIDE UPDATES SPREADSHEET

For a detailed list of the Guide updates associated with this Bulletin and the topics with which they correspond, access the Bulletin 2025-H (Selling/Servicing) Guide Updates Spreadsheet via the Download drop-down available at https://guide.freddiemac.com/app/guide/bulletin/2025-H.

CONCLUSION

If you have any questions about the changes announced in this Bulletin, please contact your Freddie Mac representative or call Customer Service at 800-FREDDIE.

Sincerely,

Kevin Kauffman

Senior Vice President, Single-Family Seller Engagement

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Common questions

What does "Bulletin 2025-H: Refactoring" cover?

Freddie Mac has refactored several chapters of its Single-Family Seller/Servicer Guide to improve readability and organizational structure. This update…

Which agency issued this update?

This update was issued by Federal Home Loan Mortgage Corporation.

When was it published?

It was published on December 17, 2025.