© 2018 Freddie Mac Single-Family Seller Servicer Guide
Borrower creditworthiness is established and excessive layering of risk is identified by one of the following methods:
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For Manually Underwritten Mortgages, the Seller’s conclusion that Borrower credit reputation and capacity are acceptable must be based on the documentation included in the Mortgage file and described on Form 1077, Uniform Underwriting and Transmittal Summary, or another document in the Mortgage file.Additional Information: http://www.freddiemac.com/singlefamily/guide/bulletins/pdf/032818Guide.pdf#page=591