© Freddie Mac Single-Family Seller Servicer Guide
When a Mortgage includes a non-occupying Borrower the following apply:
- For Manually Underwritten Mortgages and A-minus Mortgages, the loan-to-value ratio must not exceed 90%
- For Accept Mortgages and A-minus Mortgages, the Seller is not required to calculate or evaluate the occupant Borrower's monthly housing expense-to-income ratio or the occupant Borrower's monthly debt payment-to-income ratio
- For Manually Underwritten Mortgages, the occupant Borrower's monthly housing expense-to-income ratio should not exceed 35% of the occupant Borrower's stable monthly income and the occupant Borrower's monthly debt payment-to-income ratio must not exceed 43% of the occupant Borrower's stable monthly income
- For Manually Underwritten Mortgages, Loan Product Advisor® A-Minus Mortgages and Loan Product Advisor Accept Mortgages, the funds used to qualify for the Mortgage may come from the occupant and/or the nonoccupant Borrower
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