---
title: "Document Updates: Freddie Mac Changes to Explanation of Loan Terms (POA) (Cx23852)"
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# Document Updates: Freddie Mac Changes to Explanation of Loan Terms (POA) (Cx23852)
Jun 28, 2021
Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates)
Freddie Mac has updated their power of attorney (POA) requirements to limit the pre-close borrower discussions to only cash-out refinances. To accomplish this change, we are changing the configuration of our FHLMC copy of Cx23852 (Explanation of Loan Terms \[POA\]) to only print for cash-out refinance loans.
In addition, FHLMC also specified some terms of the mortgage that are required to be discussed during these pre-closing borrower discussions, which we will be including on Cx23852. These inclusions expand the second bullet point to read:
- - Also before the closing of my/our loan, an employee of the Lender or the settlement agent explained the terms of the loan to me/us, which terms include a review of the rate, term, and principal balance of the mortgage, the address of the mortgaged premises, the fact that the attorney-in-fact uses the Borrower’s POA to sign documents on behalf of the Borrower, and the scheduled or estimated closing date;
These configuration and text changes will be in effect immediately. If you have any questions or concerns about these changes, please contact Client Support at 1.800.497.3584.
*DR 347624*
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The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.
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