“Effective for Freddie Mac settlement dates on or after January 5, 2012, we are… Eliminating the minimum Indicator Score requirement of 620 for Relief Refinance Mortgages – Same Servicer with LTV ratios less than or equal to 80 percent, provided the principal and interest payment does not increase by more than 20 percent.”
Freddie Mac, regarding its “Single-Family Seller/Servicer Guide (Guide) Bulletin 2012-1.”