Freddie Mac Single-family Requirements for Title Policies

June 2, 2022

Effective for mortgages with note dates up to Dec. 31, 2022, Freddie Mac will accept either the 2006 (adopted 6/17/06) or 2021 (adopted 7/1/2021) versions of the following policy forms: 

  • The American Land Title Association (ALTA) Loan Policy
  • The ALTA Short Form Residential Loan Policy One-to-Four-Family or
  • The ALTA Expanded Coverage Residential Loan Policy One- to Four-Family 

Only the 2021 versions of the above policy forms will be accepted effective for mortgages with note dates on or after Jan. 1, 2023.

Revisions to the 2021 ALTA Policy Forms collection went into effect July 30, 2021. The ALTA standard Policy Forms have been formally revised over the years to reflect changes in the marketplace brought about by evolving business practices, expectations of insureds, laws, regulations and legal decisions. Advancements in electronic notarizations, changes in certain consumer and creditor’ rights law, and case law developments were primary drivers leading to the latest revision of the ALTA Loan and Owner’s policies and numerous other ALTA forms.

The new ALTA Policy Forms have fields for title agents to enter their ALTA ID from the ALTA Registry.

Contact ALTA at 202-296-3671 or