Second Home Loans...3month occupancy?!

[Holly Barrett]

Anyone else have underwriters question them on this Freddie Mac 3 month minimum occupancy requirement for Second Home Loans? Their guidelines say "Must be available 'preferably' over half of the year for personal use"...well I guess they can go walk around their property even if the guests are there ;) Fannie's guidelines are more vague so maybe that's the way to go with these. Any lenders have thoughts on this?