With a mother lode of potential refinance business lying in recent interest rate declines, Freddie Mac recently issued new seller guidelines that appear to target potential churning by mortgage brokers and correspondents, as well as retail seller/servicers. The government-sponsored enterprise said the new guidance is intended "to prevent mortgages owned by Freddie Mac from being exclusively targeted for refinancing and to protect against adverse impacts on our security holders," according to Bulletin 2001-1. The company