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Bulk Portfolio Sales
How to Complete a Bulk SaleWhen you sell mortgages to Freddie Mac, you can choose from a variety of execution options that allow you to swap your loans for mortgage-backed securities or receive cash in exchange for your mortgages. If you're holding at least $15 million in 1-4 unit single-family residential mortgages in your portfolio, consider a bulk portfolio sale. Here's how: Step 1: Prepare your loan data for submission.
Step 2: Submit your portfolio loan data file to us through our Portfolio Loan Data Submission Tool. The data you provide will be encrypted for secure transmission. If you have additional questions about using the secure Portfolio Data Submission Tool, please call (800) FREDDIE. Step 3: Freddie Mac analyzes your data and discusses your sale objectives with you. We'll analyze your loan data to determine if there are any ambiguities or missing information. Next, we'll call you to discuss the data you provided and speak with you about your goals, objectives, and timing for completing a bulk sale. Step 4: Receive a bid presentation from Freddie Mac. Once we've analyzed your loan data and structured a possible bulk sale to meet your objectives, we'll present you with a proposal. The proposal will describe the population of eligible loans in the transaction, the terms of our credit guarantee, how the loans could be pooled into securities, and the cash price for a sale of those loans or securities, if applicable. Step 5: Deliver your loans to Freddie Mac. If you accept the bid proposal, we'll then work with you on the delivery of those loans for a smooth and timely settlement of your transaction. Once you've completed a bulk portfolio sale, you will have improved your institution's ability to manage credit risk, interest-rate risk, and liquidity risk. Get more details about our bulk sale solutions
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