Freddie Mac Modifies Date Requiring Use of 2021 ALTA Policy Forms

November 3, 2022

Freddie Mac on Nov. 2 updated its Selling Guide to extend the date for the required use of the 2021 ALTA Policy Forms.

The new date to use the 2021 forms is now Jan. 1, 2024, instead of Jan. 1, 2023. The new date is now the same as Fannie Mae.

In extending the required use date, Freddie Mac said it wanted to provide consistency within the industry and allow additional time to transition to the new ALTA Policy Forms.

Effective Jan. 1, 2024, the 2006 ALTA title insurance policy forms will be decertified and no longer accepted by Freddie Mac. Mortgages with Note dates on or before Dec. 31, 2023 may use either the 2006 or 2021 ALTA Policy Forms.

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.

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