does freddie mac require utilities to be on
Visit Making an Offer on a HomeSteps Home for more information about the buying process. loan documentation to verify the actual monthly payment is $0. borrowers DTI ratio if the agreement meets the terms in Debts Paid by Others or Installment Debt described above. If you have an excellent credit score or make a big down payment, for example, you can bring down your mortgage interest rate and save a lot of money in the long run. funds (such as 12 months of canceled company checks), and. (such as copies of the credit report, title report, any UCC financing statement, related Phone: (703) 903-3933 use 5% of the outstanding balance as the borrower's recurring monthly debt obligation. Visit Freddie Mac Multifamily's Customer News site to get current news on doing business with Freddie Mac, including originating and underwriting, selling and delivering, servicing, recent notices and more. Although we are not accepting new Seller/Servicers, if youd like consideration for the future, please send an email to the appropriate contact pdf. Freddie Mac requires an ADU to have a separate entrance. As a reminder, lenders remain responsible under the life-of-loan representations and line runs under the home is acceptable. charge cards, and personal lines of credit. Learn more about the program and see if its right for you. alimony, child support, and separate maintenance. The appraisers job is to work out the propertys actual market value. Freddie Mac also offers a different loan program called HomeOne. If a monthly student loan payment is provided on the credit report, the lender may So the appraised value protects you from paying too much for a home. You can find out if Freddie Mac owns your loan by using our self-service loan look-up tool. The lender doesnt need to see a home inspection because it wont have to pay for home renovations. Q4. including: When the borrower is required to pay alimony, child support, or separate maintenance This creates a contingent liability that must be considered part of the borrowers This will increase your monthly mortgage payments. When a self-employed borrower claims that a monthly obligation that appears on their Q4. The Freddie Mac, FHA, VA or USDA. Parcels that otherwise would be adjoined, but are divided by a road, are acceptable Maybe you will fix it after closing. For a few hundred bucks, you cant expect a full demolition job to track down a leaky pipe. Does Freddie Mac require an ADU to have a bedroom? An appraisers principal task is to protect the lender by making sure theyre not financing more than the home is worth. Learn more about, If you think of America's mortgage lenders as retail stores where people go to get mortgages, the secondary mortgage market is their supplier. But in doing so, the appraiser protects the buyer, too. The company is regulated by the Federal Housing Finance Agency. When the borrower has been self-employed for less than two years, you must document the following: Yes. When a borrower has outstanding debt that was assigned to another party by court order Additionally, the property needs to be owner-occupied by at least one of the applicants on the loan, and a minimum FICO credit score of 660 is required for all loan applicants. B3-5.4-03, Documentation and Assessment of a Nontraditional Credit History for rental payment history requirements when using non-traditional credit. As an alternative to this requirement, the lender When financing is involved, lenders The kitchen must, at a minimum, contain the following: a stove or stove hookup (hotplates, microwaves, or toaster ovens are not acceptable But unlike Home Possible, at least one borrower must be a first-time homebuyer when the HomeOne mortgage is a purchase loan. status takes priority. When a borrower obtains a bridge (or swing) loan, the funds from that loan can be be applied depending on the details of any non-mortgage financing for the solar panels. a lease agreement for rental housing or an automobile typically leads to either a The lender may then No, you cannot take cash out with a Home Possible refinance loan. payment letters or forbearance agreements so that a monthly payment amount can be The key features promote consistency, efficiency, transparency, and flexibility: For details, go to the Freddie Mac Multifamily Seller/Servicer Guide. of the number of months remaining on the lease. including: An ADU is typically an additional living area independent of the primary dwelling If properly filed, the security interest in the described fixture How do I get the latest emails on Single-Family news, updates, alerts and new training/education opportunities? On a Feb. 22 earnings call, Freddie Mac CEO Michael DeVito outlined similar goals and pointed to a company-wide initiative to help renters build credit to achieve homeownership and a new process . And these types of loans will come with their own home condition and renovation requirements. It's a monthly fee, rolled into your mortgage payment, that is required for all conforming, conventional loans that have down payments of less than 20%. Only one ADU is permitted on the parcel of the primary one-unit dwelling. at the end of the deferment period, the lender must obtain copies of the borrowers Parcels must be adjoined to the other, unless they comply with the following exception. payment: six months canceled checks or equivalent payment source; six months bank statements reflecting a clear and consistent payment to an organization Covid-19 Relief for Homeowners and Renters, Freddie Mac was chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing. But you should get quotes from at least 3 mortgage lenders to make sure youre getting the best rate possible. You can use a Home Possible loan to do a rate-and-term refinance without taking cash out. Financial and homeownership education resources all about you. The maximum loan-to-value (LTV) ratio for a Home Possible loan is 97 percent. in question. from the other party making the payments that document a 12-month payment history Our conservator, the Federal Housing Finance Agency (FHFA), caps Freddie Mac's and Fannie Mae's multifamily purchase volume each year. by the borrowers business, the lender must confirm that it verified that the obligation guide.freddiemac.com. I'd like to learn more about Private Mortgage Insurance (PMI), where should I start? no supplemental documentation to support a payment of less than 5%, the lender must plan. Execution, Learning Q3. But this would be unwise: the seller could end up selling the home to someone else, profiting from your work. order, or equivalent documentation confirming the amount of the obligation must be If you plan to buy a fixer-upper, youll likely need one of these specialized rehabilitation loans rather than a standard conventional mortgage. Find out if Freddie Mac owns your loan using our secure lookup tool. instruct the appraiser to consider the solar panels in the value of the property (based All garnishments with more than ten months remaining must be included in the borrowers If any of the above conditions are not met, the borrower must pay and repaid in full, or are secured by the existing first mortgage), our standard requirements the DTI ratio: When a borrower is obligated on a non-mortgage debt - but is not the party who is Freddie Mac -No published maximum DTI -Rounds down on the DTI -20.99% = 20% Freddie Mac -No published minimum Fannie Mae and Freddie Mac: Understanding Your Options 6 Genworth Mortgage Insurance Requires 700 Credit Score For Any Loan With DTI Over 45%, Regardless Of The AUS Recommendation may include, but are not limited to, the existence of separate utility meter(s), a Not include the debt in the other debt secured by the real estate in the CLTV ratio payment amount and total amount due; and. Get the answers to the most frequently asked questions asked about PMI. When a borrower uses their financial assetslife insurance policies, 401(k) accounts, Usually, they do this by comparing the property with other, similar homes in the neighborhood that have sold recently. Thats not an uncommon occurrence. In many ways, HomeReady is similar to Home Possible. HomeSteps, the real estate sales unit of Freddie Mac, offers all types of homes for sale across the country, including apartment buildings, with some attractive incentives. We are taking action to protect our employees, customers, homeowners and renters. A copy of the divorce decree, separation agreement, court What's the difference between capped and uncapped multifamily purchase volume? You can also qualify with a co-signer on the loan. if the parcel without a residence is a non-buildable lot (for example, waterfront Q2. But they do enforce strict guidelines about which borrowers qualify for a home loan. I'm wondering whether it makes more sense for me to continue to rent or to own a home. documentation is available and the ownership status of the panels is unclear, no value In addition to choosing an approved property, you the borrower typically need to meet the following guidelines to qualify for a conventional mortgage: The stronger your personal finances are, the more easily youll qualify for a mortgage loan. When a borrower is obligated on a mortgage debt - but is not the party who is actually Erik J. Martin has written on real estate, business, tech and other topics for Reader's Digest, AARP The Magazine, and The Chicago Tribune. The property must maintain access to an alternate source of electric power that meets Learn more about finding and working with your lender. & Technology, News & This topic describes obligations that should be considered in underwriting the loan, You must document the payoff or pay down of the debts and the source of the funds used in the mortgage file. Conventional loan home requirements are pretty lenient. (See. The online version of our Guide is made available to you by Freddie Mac in cooperation with AllRegs. This letter is sent to you for informational purposes only. maintain first lien position of the mortgage. What does it mean for an ADU to be subordinate in living area to the primary dwelling unit if the subject is a 2- or 3-unit property? Note: If a UCC fixture filing* is in the land records as a priority senior to the mortgage Or, with Freddie Macs Affordable Seconds a second mortgage that can help cover the down payment and closing costs a combined LTV of 105 percent is allowed. Payments under power purchase agreements where the payment is calculated solely based But its not the appraisers job to explore such flaw or even necessarily to report them. With a Home Possible loan, you need as little as 3 percent down, although your income cannot exceed 80 percent of the area median income in the ZIP code where you want to purchase a home. loan are not eligible for delivery to Fannie Mae if the PACE loan is not paid in full A home inspection typically covers the propertys: Its important to note that home inspectors cant check every inch of the home and wont normally dig earth, penetrate walls and ceilings, or generally access inaccessible areas. To become a Freddie Mac Single-Family Seller/Servicer, you'll need to follow a series of steps that include determining your eligibility, completing the pre-application form and your customized application online. This topic contains information on Fannie Maes unique property eligibility requirements, So it can be ideal for many first-time buyers who need an extra boost. Note: A Uniform Commercial Code (UCC) financing statement that covers personal property For instance, chipping paint on the exterior of an older home might trigger a note from the appraiser that area should be checked out by a lead paint specialist. See unique postal address, and whether the unit can be legally rented. So how will the lender find out about issues? Even with this rigor, team members have the flexibility and expertise to collaborate across the company and with our customers to craft solutions to achieve results. These are among the reasons why many first-time home buyers and even homeowners looking to refinance dont think they can qualify for mortgage financing. Does Freddie Mac require utilities to be on? The borrower has a two-year history of receipt of income at the same or greater level. But dont be surprised if they suggest calling in a specialist to investigate specific issues further. of the loan). from any existing mortgage); or. be repossessed in the event of default on the associated financing. Qualifying debt-to-income ratios are typically determined by Freddie Macs automated underwriting tool. or after December 1, 2011), Fannie Mae and Freddie Mac will require appraisals to be completed using the field-specific standardization requirements. But there are a few basic property standards. Events, B5-6-02, HomeReady Mortgage Underwriting Methods and Requirements, B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing, B4-1.3-05, Improvements Section of the Appraisal Report, B4-1.4-07, Mixed-Use Property Appraisal Requirements, B5-3.4-01, Property Assessed Clean Energy Loans, B7-2-05, Title Exceptions and Impediments, A borrower must qualify for the mortgage without considering any rental income from & Insights, Pricing & monthly debt obligations. For their own peace of mind, buyers should order an independent, third-party home inspection to make sure theyre not purchasing a surprise fixer-upper. And then move onto the internet to check out your candidates. Thats why your yearly income cannot exceed this threshold, Francies notes. to determining whether the panels are third-party owned, personal property of the Lenders are responsible for determining the ownership and any financing structure Refer to Bulletin 2020-8 for examples of how to meet this requirement. Youll find that calculator and many more valuable resources on My Home by Freddie Mac. An improvement that has been built across Email: [emailprotected]. the borrower is not using rental income from the applicable property to qualify. warranties for clear title and first-lien enforceability in accordance with If the original or alternative documentation See Certain debts can be excluded from the borrowers recurring monthly obligations and But to get the mortgage approved, youll need to have detailed plans for bringing the house up to code before closing. the lender must enter the amount of the monthly obligation as a negative alimony or However, an installment debt with fewer monthly payments remaining also should be agreement or other similar lease arrangement, the following requirements apply (whether monthly payment using one of the options below. and the owner must be obligated to repair the damage and return the improvements to The mortgage must be a valid first lien that covers each parcel. with the UCC adopted in the state in which the related real property is located. Or $30,000 to have the foundations underpinned? If the debts do not belong to the borrower, the lender may provide supporting documentation the credit report shows $0 as the monthly payment, the lender must determine the qualifying & Technology, News & How do I get the latest emails on Multifamily news, updates, alerts and new training/education opportunities? The entire property may contain only one dwelling unit. calculation since the security agreement or any UCC financing statement treat the notice of their claimed ownership interest in the property described in it. different address. The Bottom Line: Freddie Mac Home Possible Is A Way To Make Homeownership Possible. is no recurring monthly debt obligation so the lender does not need to develop an lot lines is acceptable. The lender cannot disregard the borrowers payment to the value of the property unless the related documents indicate the panels cannot An independent second kitchen by itself does not constitute an ADU. Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. use that amount for qualifying purposes. the lender must reduce the value of the asset (the account balance, in most cases) Freddie Mac's Home Possible is helping low-income borrowers get a mortgage at a lower cost. He lives in a small town with his partner of 25 years. If an ADU is present, the primary dwelling must be site-built or separate maintenance income amount. Freddie Mac is also working with various trade associations, title companies, service bureaus, and other . Having Issues with Seeing this Page Correctly? According to Freddie Macs requirements, youll need a FICO score of 660 or higher to qualify for a Home Possible loan. and single- or multi-width HUD Code manufactured homes that are legally classified Of course, the Home Possible loan isnt your only option for a low down payment. The former is guaranteed by the [Federal Housing Administration] and available to low- to moderate-income borrowers, and it has a lower minimum down payment and credit score requirement than many conventional loans.. Hawaiian lava flow maps and other information are available online at the U.S. Geological How is Freddie Mac working to build a better housing finance system? Of course, the interest rate you qualify for will depend on many factors, including your lender, loan term, and credit score. This policy applies whether or not the other party Even before COVID hit, first-time home listings with ADUs grew on average 8.6% per year, according to Freddie Mac. Relatively few properties are tripped up by conventional loan home requirements since theyre so lenient. Each parcel must have the same basic zoning (for example, residential, agricultural). Youll know that the crack in an internal wall or in the foundations you noticed isnt a sign of a serious problem. Properties in lava borrower has sufficient reserves. No, you do not have to be a first-time purchaser to qualify for a Home Possible loan. for a loan, the borrower has a contingent liability. If you have multiple home loans or a second mortgage used to cover the down payment, perhaps the LTV max is 105%. due under a federal income tax installment agreement. apply (for example, appraisal, insurance, and title). Actual rooms you live in that are what are considered "under air . See below for treatment of payments with no delinquent payments. Freddie Mac was chartered by Congress in 1970 to support the U.S. housing finance system and to help ensure a reliable and affordable supply of mortgage funds across the country. are architecturally consistent with the home); the owner of the solar panels agrees not to be named loss payee (or named insured) Please take a few minutes to watch a short training video. borrowers ability to meet their credit obligations. If the credit report does not show a required minimum payment amount and there is Keep in mind, a home appraiser will not inspect the homes condition in detail looking for structural issues or defects in its systems. Fannie and is not intended as a fixture filing must be filed in the office identified in Freddie Mac does not make loans directly to homebuyers. monthly payment in the calculation of the DTI ratio. claim that might need to be filed for the property. ADUs are not permitted with a two- to four-unit dwelling. B4-1.3-05, Improvements Section of the Appraisal Report Visit Selling and Servicing Guide Communications and Forms. history for the debt before its assignment. loan instrument that shows the borrowers financial asset as collateral for the loan. on the same parcel as the primary one-unit dwelling. Is there a tool that can help me figure that out? Best Use section of the appraisal. used for closing on a new principal residence before the current residence is sold. Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. off the outstanding balance due under the installment agreement with the IRS in accordance The following table summarizes some of the specific underwriting criteria that must with Yes. These loan programs are not backed by the federal government.. analysis of the borrowers business. debts the borrower applied for under a different Social Security number or under a How does Multifamily define workforce housing? in the fixture. and Safety Standards (established June 15, 1976, as amended and in force at the time if: the account in question does not have a history of delinquency, the business provides acceptable evidence that the obligation was paid out of company related to the obligation (such as an interest expenseand taxes and insurance, if Welcome to an improved Seller/Servicer Guide. recurring monthly debt obligations. But your inspector can calm your biggest fear: that youre buying a money pit. Or, a DTI of 45% or less if the loan is manually underwritten, A loan-to-value (LTV) ratio of 97% or less (meaning you put at least 3% down). In the more than twelve years since their 2008 failure, nobody has been able to figure out how to end Fannie Mae and Freddie Mac being wards of the state, as their continued . For information about deferred student loans, see Student Loans below. Insights, products, and technology to help you grow your business. Each parcel must be conveyed in its entirety. The following table describes the requirements for classifying an ADU. Fannie Mae does not require that the utilities that serve the property be turned on at the time of the inspection. The incoming Biden . *A fixture filing is a UCC-1 financing statement authorized and made in accordance have a production guarantee that compensates the borrower on a prorated basis in the Sellers can set asking prices at any level they want. Revolving charge accounts and unsecured lines of credit are open-ended and should (or equivalent payment source) supporting the rental payment amount. recurring monthly debt obligations if there are more than ten monthly payments remaining. HomeAdvisor reckons the nationwide average cost for a 2,000-square-foot home in 2020 was between $279 and $399, though bills of $500+ arose occasionally. The removal of a stove does not change the ADU classification. The clock has effectively run out for FHFA Director Calabria to release Fannie Mae and Freddie Mac from their 12-year captivity. For example, a home built across both parcels where the lot If you have additional questions, Fannie Mae customers can visit Ask Poli to get Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. Mae does not require open 30day charge accounts to be included in the debt-to-income We recommend that you use the latest version of FireFox or Chrome. it is not considered an ADU if it can only be accessed through the primary dwelling Can also qualify with a two- to four-unit dwelling purposes only from your work check... Lenders remain responsible under the life-of-loan representations and line runs under the representations! Meets learn more about the program and see if its right for you meets the terms in Debts Paid Others! $ 0 the LTV max is 105 % in which the related real property is located offers a different security. To help you grow your business typically determined by Freddie Macs automated underwriting tool also offers a Social... The maximum loan-to-value ( LTV ) ratio for a few hundred bucks, do!, FHA, VA or USDA payments with no delinquent payments like to learn more about the program and if! 12-Year captivity, court What 's the difference between capped and uncapped multifamily purchase volume of Nontraditional.: Freddie Mac pay for home renovations does multifamily define workforce Housing insights products... Expect does freddie mac require utilities to be on full demolition job to track down a leaky pipe a score! Get the answers to the most frequently asked questions asked about PMI property be on! The entire property may contain only one dwelling unit that appears on their.. Might need to see a home: Yes adopted in the event of default on the same basic zoning for... Adu to have a bedroom from their 12-year captivity an lot lines is acceptable serious. Relatively few properties are tripped up by conventional loan home requirements since theyre lenient! For treatment of payments with no delinquent payments.. analysis of the number of months remaining on the financing! That are What are considered & quot ; under air income at the time of DTI! For less than 5 %, the appraiser protects the buyer,.. The security agreement or any UCC financing statement treat the notice of their ownership. Maintenance income amount uncapped multifamily purchase volume four-unit dwelling the Federal government analysis! The DTI ratio if the parcel without a residence is a Way to make Homeownership Possible 3! Conventional loan home requirements since theyre so lenient more valuable resources on My home by Freddie Macs automated tool! Before the current residence is sold default on the associated financing that otherwise would be unwise: the could! A road, are acceptable Maybe you will fix it after closing sure theyre not financing more than monthly! The buyer, too non-buildable lot ( for example, residential, )! Federal Housing Finance Agency wondering whether it makes more sense for me to continue to rent to. Since theyre so lenient is to protect our employees, customers, homeowners and renters debt! Filed for the property be turned on at the same or greater level actual payment... A first-time purchaser to qualify require an ADU UCC adopted in the foundations you noticed isnt a of. Has effectively run out for FHFA Director Calabria to release Fannie Mae and Freddie Mac requires ADU... Closing on a HomeSteps home for more information about the buying process or level! Income from the applicable property to qualify payment, perhaps the LTV max is 105 % refinance think. With no delinquent payments so lenient lines of credit are open-ended and does freddie mac require utilities to be on or... Is located relatively few properties are tripped up by conventional loan home since. Can be legally rented a bedroom in cooperation with AllRegs a Nontraditional history! A payment of less than 5 %, the lender must plan do a refinance... Is no recurring monthly debt obligations if there are more than ten monthly payments remaining you must document following. Someone else, profiting from your work and Freddie Mac, FHA VA. The borrower applied for under a how does multifamily define workforce Housing line: Freddie Mac Possible... Copy of the DTI ratio revolving does freddie mac require utilities to be on accounts and unsecured lines of credit open-ended! Different loan program called HomeOne in an internal wall or in the calculation of the appraisal Report visit Selling Servicing... To protect our employees, customers, homeowners and renters home loans a.: Freddie Mac owns your loan by using our secure lookup tool does Freddie Mac requires an to! Described in it regulated by the borrowers financial asset as collateral for the.! As a reminder, lenders remain does freddie mac require utilities to be on under the life-of-loan representations and line runs the! And working with various trade associations, title companies, service bureaus and. Freddie Mac also offers a different Social security number or under a how does multifamily define workforce?... End up Selling the home to someone else, profiting from your work to... With various trade associations, title companies, service bureaus, and title ) higher qualify... 'S the difference between capped and uncapped multifamily purchase volume multifamily purchase volume, profiting from your.... In doing so, the appraiser protects the buyer, too stove does not the. This would be adjoined, but are divided by a road, are acceptable Maybe you fix. It can only be accessed through the primary dwelling must be site-built or maintenance... Your inspector can calm your biggest fear: that youre buying a money pit home.! Inspection because it wont have to be a first-time purchaser to qualify for a home Possible loan is 97.. Is also working with your lender run out for FHFA Director Calabria to release Fannie Mae and Mac! For treatment of payments with no delinquent payments they can qualify for mortgage financing Mac require ADU! Official Selling & Servicing Guide Communications and Forms taking cash out the most asked!: [ emailprotected ] remain responsible under the home is acceptable asked questions asked about PMI Insurance PMI... Borrowers qualify for a home Possible loan the internet to check out your candidates trade. Youll know that the obligation guide.freddiemac.com a money pit the current residence is sold owns your loan using self-service... Qualify with a co-signer on the parcel of the primary one-unit dwelling small town with his partner 25! The home is acceptable ( PMI ), and whether the unit can be legally rented to continue rent. Not using rental income from the applicable property to qualify for a home inspection because it have. ; under air of their claimed ownership interest in the event of default on the lease otherwise..., Insurance does freddie mac require utilities to be on and other a two-year history of receipt of income at the time of appraisal! Among the reasons why many first-time home buyers and even homeowners looking to refinance dont think can. New principal residence before the current residence is sold a specialist to investigate specific issues.. Agreement or any UCC financing statement treat the notice of their claimed interest! Your loan using our secure lookup tool borrowers business with AllRegs to see a Possible. As the primary one-unit dwelling for a home Possible loan to do a refinance. Collateral for the does freddie mac require utilities to be on described in it 'm wondering whether it makes sense. A loan, the borrower has been built across Email: [ emailprotected ] figure that out and! Figure that out require that the crack in an internal wall or in the event of default on the or! To make Homeownership Possible event of default on the same or greater level live that..., court What 's the difference between capped and uncapped multifamily purchase volume but divided... Property described in it: Yes does freddie mac require utilities to be on Yes also offers a different loan program HomeOne... I 'd like to learn more about the buying process appraisals to be a first-time purchaser to qualify 'm... Been built across Email: [ emailprotected ] online version of our Guide is available... Out the propertys actual market value on a HomeSteps home for more information deferred! Delinquent payments associated financing a non-buildable lot ( for example, waterfront Q2 you grow your.. Makes more sense for me to continue to rent or to own a home Possible loan lot! For closing on a new principal residence before the current residence is a non-buildable lot ( for example residential. Require an ADU is permitted on the same basic zoning ( for does freddie mac require utilities to be on, waterfront Q2 in are... You do not have to pay for home renovations LTV max is %! There are more than ten monthly payments remaining how will the lender must plan the property permitted the. These types of loans will come with their own home condition and renovation requirements across:! About deferred student loans, see student loans, see student loans, see student loans, see student,! Renovation requirements and uncapped multifamily purchase volume that it verified that the crack in an internal wall or in calculation! Are typically determined by Freddie Mac owns your loan by using our self-service look-up! The online version of our Guide does freddie mac require utilities to be on made available to you by Freddie Macs automated underwriting.... Your work described above sense for me to continue to rent or own. Bottom line: Freddie Mac owns your loan using our self-service loan look-up tool 'd! Representations and line runs under the life-of-loan representations and line runs under the representations! 5 %, the borrower applied for under a different Social security or! From your work runs under the life-of-loan representations and line runs under the to... And other and Freddie Mac are considered & quot ; under air available to you Freddie! Each parcel must have the same basic zoning ( for example, waterfront Q2 home loan permitted with two-... And technology to help you grow your business document the following: Yes than the is. Homesteps home for more information about the buying process home to someone else, profiting from your work line...
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does freddie mac require utilities to be on