Freddie Mac Form 90 "Verbal Verification of Employment"

What Is Freddie Mac Form 90?

Freddie Mac Form 90, Verbal Verification of Employment, is a document completed upon request of Freddie Mac to review the employment history of a potential borrower, determine the borrower's job stability, and check the borrower's income history. It is completed by contacting the borrower's current employer to ascertain and confirm specific details about the borrower's employment.

This form was released by the Federal Home Loan Mortgage Corporation (Freddie Mac) - a government-sponsored enterprise that supports lenders providing homeownership and rental housing. The latest version of the form became effective on , and you can download a fillable Freddie Mac Form 90 through the link below.

You are required to provide the following information in Freddie Mac Form 90:

  1. Borrower's name;
  2. Employer's name, name, and title of the employer's representative contacted, and the telephone number used to contact the employer;
  3. Name of the third party used to obtain the employer's telephone number (for instance, reliable Internet source, directory assistance, regulatory agency, phone directory, etc.);
  4. Current employment status of the borrower;
  5. Additional information about the employment if it is possible to verify it;
  6. Name, title, and employer of the individual who contacted the borrower's employer.
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Why Do Mortgage Lenders Do Verbal Verification of Employment?

A mortgage lender will verify your employment by contacting your employer directly and possibly reviewing recent income documentation. Typically, the verification is obtained when the lender calls the employer to discover the necessary information. The lender will verify your salary details, position, length of employment, and the likelihood of your employment to continue. All these particulars let lenders calculate several metrics to determine if the borrower will repay a loan in full and one time.

The lenders have to comb through your finances to decide if you are a good candidate for a mortgage accessing your default risk, chances of missing a mortgage payment, or being foreclosed upon. A Verbal Verification of Employment Form allows the lender to see you have consistently been employed and will maintain employment to ensure timely mortgage payments in the future.

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Download Freddie Mac Form 90 "Verbal Verification of Employment"

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Form 90
Verbal Verification of Employment
Borrower name: ____________________________________________________________
Employer name: ____________________________________________________________
Employer contact: ___________________________________________________________
Employer contact title: ________________________________________________________
Phone number: _______________________________
Third party source used to obtain the phone number:
__________________________________________________________________________
Borrower’s current employment status: ___________________________________________
Additional information (If applicable):
__________________________________________________________________________
Verified by: _____________________________________________ Date: _______________
Title: _______________________________________________________________________
Company: ___________________________________________________________________
Freddie Mac Single-Family Seller/Servicer Guide
Bulletin 2016-23
Rev. 10/27/16 and 12/15/16, eff. 07/06/17
Page F90-1
Form 90
Verbal Verification of Employment
Borrower name: ____________________________________________________________
Employer name: ____________________________________________________________
Employer contact: ___________________________________________________________
Employer contact title: ________________________________________________________
Phone number: _______________________________
Third party source used to obtain the phone number:
__________________________________________________________________________
Borrower’s current employment status: ___________________________________________
Additional information (If applicable):
__________________________________________________________________________
Verified by: _____________________________________________ Date: _______________
Title: _______________________________________________________________________
Company: ___________________________________________________________________
Freddie Mac Single-Family Seller/Servicer Guide
Bulletin 2016-23
Rev. 10/27/16 and 12/15/16, eff. 07/06/17
Page F90-1