To support the recently announced Home Affordable Refinance Program (HARP) enhancements, Freddie Mac Single-Family Seller/Servicer Guide (Guide) Bulletin 2011-22 provides you with revised requirements for Freddie Mac Relief Refinance MortgagesSM — Same Servicer and Relief Refinance Mortgages — Open Access offerings. A portion of these offerings, mortgages with loan-to-value (LTV) ratios greater than 80 percent, represents our business implementation of HARP. In addition, the Bulletin announces revisions to the requirements for

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