Edit, Download, and Sign the Freddie Mac Form 90 Verbal Verification of Employment
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How do I fill this out?
To fill out this form, start by entering the borrower’s name and employer details. Ensure that all fields regarding employment status and verification are accurately filled. Double-check your entries to ensure all information is correct before submission.

How to fill out the Freddie Mac Form 90 Verbal Verification of Employment?
1
Enter the borrower's name in the designated field.
2
Fill in the employer's name along with contact details.
3
Indicate the borrower's current employment status accurately.
4
Provide additional information if required.
5
Ensure the form is signed and dated by the verifier.
Who needs the Freddie Mac Form 90 Verbal Verification of Employment?
1
Lenders need this form to verify employment of borrowers.
2
Employers may require this form for employee verification processes.
3
Mortgage brokers need this form to assist clients in loan applications.
4
Credit analysts require it to assess borrower reliability.
5
Real estate agents might use this to ensure buyer qualifications.
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What are the instructions for submitting this form?
To submit the Freddie Mac Form 90, you may send it via email to the designated lender's email address. Fax submissions can be made to the lender’s specified fax number. Alternatively, paper submissions can be mailed to the lender’s physical address as mentioned on their website. Always ensure that the form is fully completed before submission to avoid delays.
What are the important dates for this form in 2024 and 2025?
The Freddie Mac Form 90 was revised on 10/27/16 and 12/15/16, and is effective from 07/06/17. For any future updates regarding this form in 2024 and 2025, stay tuned for notifications from Freddie Mac.

What is the purpose of this form?
The Freddie Mac Form 90 serves as an essential tool for verifying employment status for mortgage applications. Lenders and mortgage brokers utilize this form to confirm the borrower's employment history and current status. This information is critical in assessing the eligibility of individuals seeking loans.

Tell me about this form and its components and fields line-by-line.

- 1. Borrower name: The name of the individual applying for the mortgage.
- 2. Employer name: The name of the company where the borrower is employed.
- 3. Employer contact: The primary contact person at the borrower's place of employment.
- 4. Phone number: The contact phone number for the employer.
- 5. Borrower's current employment status: Information confirming whether the borrower is currently employed.
- 6. Verified by: The name of the person who verified the employment information.
What happens if I fail to submit this form?
Failure to submit this form can cause delays in the mortgage application process. Lenders rely on accurate and timely submissions of employment verification to proceed with loan approvals. Incomplete submissions may lead to increased scrutiny or denial of the application.
- Processing Delays: Without this form, the review of the application may be stalled.
- Loan Denial: Insufficient verification may result in an inability to approve the loan request.
- Increased Scrutiny: Incomplete forms can lead to further investigation into the borrower's financial status.
How do I know when to use this form?

- 1. Mortgage Applications: Required for all mortgage applications needing employment verification.
- 2. Refinancing Loans: Utilized when borrowers are refinancing their existing loans.
- 3. Loan Adjustments: Needed during adjustments to the loan terms or amount.
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