Announcing that for purchase and "no cash-out" refinance Mortgages with maximum loan-to-value (LTV)/total LTV (TLTV)/home equity line of credit TLTV (HTLTV) ratios equal to or greater than 95%, secured by properties located in a market with declining values, the Seller is not required to reduce the maximum LTV/TLTV/HTLTV ratios below 95%, provided that certain requirements are met

Amending the requirements announced in our special February 21, 2008 Bulletin to permit Closing Costs, Financing Costs and Prepaids/Escrows to be included in the refinance Mortgage amount for certain Freddie Mac-owned streamlined refinance Mortgages and Freddie Mac-owned