09/16/2025
Freddie Mac Bulletin 2025-12 announced that Freddie Mac will increase the maximum LTV/TLTV/HTLTV ratios to 95% for certain 2- to 4-unit mortgage transactions. Pennymac is aligning with these changes, effective with new Loan Product Advisor (LPA) submissions and resubmissions on or after October 5, 2025.
Requirements for Expanded LTV:
- LPA Accept/Eligible finding is required.
- Primary residence only
- Purchase or no cash-out refinances only
Please refer to Freddie Mac Bulletin 2025-12 and the Freddie Mac Seller Guide for full details.
Please contact your Sales Representative with any questions.