Freddie Mac Single-Family Seller/Servicer Guide 1101.1 — Introduction to the Guide

Refer to Bulletin 2026-10, which announced updates related to accumulated assets as income. Sellers may implement the new requirements prior to the mandatory February 3, 2027 version of this section. This section contains information related to: ■ Guide segments ■ Guide series and topics ■ Guide chapters and sections ■ Numbering format ■ Exhibits, forms, the Glossary and directories The Guide consists of Freddie Mac’s requirements relating to the purchase, sale and Servicing of Mortgages. The Guide’s structure reflects how and when Seller/Servicers interact with Freddie Mac and is organized to aid in locating the provisions related to the Seller/Servicer’s daily workflow.

(a) Guide segments The Guide is grouped into three segments: ■ Freddie Mac Seller/Servicer Relationship ■ Selling ■ Servicing The Guide’s design places the provisions applicable to all Seller/Servicers in one central location (Freddie Mac Seller/Servicer Relationship) and then differentiates between those for selling and Servicing. Although the Guide has distinct Selling and Servicing segments, there may be information and/or cross references for Servicers in the Selling segment and for Sellers in the Servicing segment. Additionally, the Guide contains exhibits, forms, the Glossary and directories.

(b) Guide series and topics Within each segment, there are three distinct series of topics relating to that segment, totaling nine series. The titles of topics are intended to facilitate navigation and searching capabilities. The series of topics within each segment are described below. Topics within each segment of the Guide Description of series Summary of topics Freddie Mac Seller/Servicer Relationship Series 1000, General Contract Terms Series 1000 covers the contractual relationship between the Seller/Servicer and Freddie Mac. ■ Legal effect of the Guide ■ Freddie Mac policies ■ General Seller/Servicer representation and warranties ■ Electronic transactions ■ Types of Seller purchase contracts Series 2000, Doing Business with Freddie Mac Series 2000 covers Seller/Servicer eligibility and other requirements for doing business with Freddie Mac. ■ Becoming a Freddie Mac Seller/Servicer ■ Establishing third-party relationships (e.g., Document Custodians) ■ Access and use of Freddie Mac Systems ■ Disqualifying or suspending a Freddie Mac Seller/Servicer Series 3000, Risk Management and Remedies Series 3000 covers management of risks related to the purchase and Servicing of Mortgages. ■ Freddie Mac Exclusionary List and FHFA Suspended Counterparty Program ■ Fraud prevention, detection and reporting ■ Mortgage file contents and retention ■ Quality control programs ■ Review of Servicer performance ■ Remedies (including repurchase and termination of Servicing) Selling Series 4000, Mortgage Eligibility Series 4000 covers the eligibility of Mortgages for sale to Freddie Mac. ■ Uniform Instruments ■ General Mortgage eligibility ■ Loan purpose ■ Special Mortgage eligibility requirements ■ Affordable Mortgages and Duty to Serve ■ Special Freddie Mac Mortgage Products ■ Insurance requirements Series 5000, Origination and Underwriting Series 5000 covers underwriting the Borrower and determining the adequacy of the property securing the Mortgage. ■ Determining Borrower eligibility ■ Credit assessment ■ Stable monthly income and asset qualification sources ■ Evaluation of monthly obligations ■ Assets ■ Property eligibility and appraisal requirements ■ Condominium and Cooperative Projects ■ Uniform Closing Dataset Series 6000, Selling and Delivery Series 6000 covers Freddie Mac Mortgage purchase programs and Mortgage delivery requirements. ■ Cash programs ■ Guarantor and MultiLender Swap programs ■ Mortgage delivery instructions ■ Assessment and payment of fees ■ Delivery and custody of Mortgage documents ■ Warehouse financing arrangements Servicing Series 7000, Transfers of Servicing Series 7000 covers the process for facilitating Transfers of Servicing. ■ Transfer of Servicing requirements ■ Reporting to Freddie Mac ■ Document Custody transfer Series 8000, Servicing All Mortgages Series 8000 covers general requirements for Servicing. ■ Day-to-day Servicer responsibilities ■ Investor accounting and remitting ■ Custodial funds management ■ Escrow and insurance ■ Property-related matters ■ Servicer compensation ■ Servicer reports Series 9000, Servicing Default Management Series 9000 covers Servicing Mortgages in default. ■ Ongoing Servicer responsibilities ■ Collection efforts ■ Alternatives to foreclosure ■ Foreclosure ■ Bankruptcy ■ REO ■ Reimbursement of expenses

(c) Guide chapters and sections Each topic contains at least one chapter, and each chapter contains at least one section. The titles of chapters and sections are intended to facilitate navigation and searching capabilities.

(d) Numbering format The numbering system of the Guide reflects how the provisions are grouped by segment, series and topic. The format is as follows: ■ XXXX.XX – The first digit indicates the series number (For example, Series 6000, Selling and Delivery, or Series 5000, Origination and Underwriting) ■ XXXX.XX – The second digit indicates the topic number, which can have one or many chapters ■ XXXX.XX – The last 2 digits before the decimal point indicate the chapter number ■ XXXX.XX – The 2 digits after the decimal indicates the section number For example, in Section 1101.1: ■ 1101.1 – The first “1” represents that this section is located in Series 1000, General Contract Terms ■ 1101.1 – The second “1” represents that this section is located in the first topic of Series 1000, Topic 1100 – The Guide ■ 1101.1 – The “01” before the decimal point represents that this section is located in the first chapter within Topic 1100, Chapter 1101, The Guide ■ 1101.1 – The “1” after the decimal point represents that this is the first section in Chapter 1101, Section 1101.1, Introduction to the Guide This numbering can help in locating specific content. For example, these are the steps a Seller/Servicer could take if it wants to locate the Guide requirements about reporting fraud and other Suspicious Activity: ■ First, the segment should be identified. This is a requirement that applies to both Sellers and Servicers and is contained within the Freddie Mac Seller/Servicer Relationship Segment. ■ Second, the series should be found. As this is part of risk management, the relevant series is Series 3000, Risk Management and Remedies. ■ Next, the topic needs to be determined. These requirements are contained within topic 3200: Fraud Prevention, Detection and Reporting; Reporting Other Suspicious Activity. ■ Finally, the chapter and section within the topic need to be located. In this case, the chapter title mirrors the topic heading, Chapter 3201: Fraud Prevention, Detection and Reporting; Reporting Other Suspicious Activity. The specific provisions about this subject are contained in Section 3201.2: Fraud and other Suspicious Activity reporting requirements. The numerical reference to this provision, then, is Section 3201.2.

(e) Exhibits, forms, the Glossary and Directories The Guide also includes the following types of provisions: ■ Exhibits: Exhibits referenced are Freddie Mac exhibits unless otherwise indicated ■ Forms: Forms referenced are Freddie Mac forms unless otherwise indicated ■ Glossary: The Glossary contains definitions of select terms used in the Guide ■ Directories: The directories contain Freddie Mac contact information (i.e., addresses, telephone numbers, fax numbers and e-mail addresses) to be used for specific questions, requests and documentation. Guide references to directories are indicated with a bolded parenthetical (e.g., “(see Directory 5)”).

■ Guide segments ■ Guide series and topics ■ Guide chapters and sections ■ Numbering format ■ Exhibits, forms, the Glossary and directories The Guide consists of Freddie Mac’s requirements relating to the purchase, sale and Servicing of Mortgages. The Guide’s structure reflects how and when Seller/Servicers interact with Freddie Mac and is organized to aid in locating the provisions related to the Seller/Servicer’s daily workflow.

(a) Guide segments The Guide is grouped into three segments: ■ Freddie Mac Seller/Servicer Relationship ■ Selling ■ Servicing The Guide’s design places the provisions applicable to all Seller/Servicers in one central location (Freddie Mac Seller/Servicer Relationship) and then differentiates between those for selling and Servicing. Although the Guide has distinct Selling and Servicing segments, there may be information and/or cross references for Servicers in the Selling segment and for Sellers in the Servicing segment. Additionally, the Guide contains exhibits, forms, the Glossary and directories.

(b) Guide series and topics Within each segment, there are three distinct series of topics relating to that segment, totaling nine series. The titles of topics are intended to facilitate navigation and searching capabilities. The series of topics within each segment are described below. Topics within each segment of the Guide Description of series Summary of topics Freddie Mac Seller/Servicer Relationship Series 1000, General Contract Terms Series 1000 covers the contractual relationship between the Seller/Servicer and Freddie Mac. ■ Legal effect of the Guide ■ Freddie Mac policies ■ General Seller/Servicer representation and warranties ■ Electronic transactions ■ Types of Seller purchase contracts Series 2000, Doing Business with Freddie Mac Series 2000 covers Seller/Servicer eligibility and other requirements for doing business with Freddie Mac. ■ Becoming a Freddie Mac Seller/Servicer ■ Establishing third-party relationships (e.g., Document Custodians) ■ Access and use of Freddie Mac Systems ■ Disqualifying or suspending a Freddie Mac Seller/Servicer Series 3000, Risk Management and Remedies Series 3000 covers management of risks related to the purchase and Servicing of Mortgages. ■ Freddie Mac Exclusionary List and FHFA Suspended Counterparty Program ■ Fraud prevention, detection and reporting ■ Mortgage file contents and retention ■ Quality control programs ■ Review of Servicer performance ■ Remedies (including repurchase and termination of Servicing) Selling Series 4000, Mortgage Eligibility Series 4000 covers the eligibility of Mortgages for sale to Freddie Mac. ■ Uniform Instruments ■ General Mortgage eligibility ■ Loan purpose ■ Special Mortgage eligibility requirements ■ Affordable Mortgages and Duty to Serve ■ Special Freddie Mac Mortgage Products ■ Insurance requirements Series 5000, Origination and Underwriting Series 5000 covers underwriting the Borrower and determining the adequacy of the property securing the Mortgage. ■ Determining Borrower eligibility ■ Credit assessment ■ Stable monthly income and accumulated assets as income ■ Evaluation of monthly obligations ■ Assets ■ Property eligibility and appraisal requirements ■ Condominium and Cooperative Projects ■ Uniform Closing Dataset Series 6000, Selling and Delivery Series 6000 covers Freddie Mac Mortgage purchase programs and Mortgage delivery requirements. ■ Cash programs ■ Guarantor and MultiLender Swap programs ■ Mortgage delivery instructions ■ Assessment and payment of fees ■ Delivery and custody of Mortgage documents ■ Warehouse financing arrangements Servicing Series 7000, Transfers of Servicing Series 7000 covers the process for facilitating Transfers of Servicing. ■ Transfer of Servicing requirements ■ Reporting to Freddie Mac ■ Document Custody transfer Series 8000, Servicing All Mortgages Series 8000 covers general requirements for Servicing. ■ Day-to-day Servicer responsibilities ■ Investor accounting and remitting ■ Custodial funds management ■ Escrow and insurance ■ Property-related matters ■ Servicer compensation ■ Servicer reports Series 9000, Servicing Default Management Series 9000 covers Servicing Mortgages in default. ■ Ongoing Servicer responsibilities ■ Collection efforts ■ Alternatives to foreclosure ■ Foreclosure ■ Bankruptcy ■ REO ■ Reimbursement of expenses

(c) Guide chapters and sections Each topic contains at least one chapter, and each chapter contains at least one section. The titles of chapters and sections are intended to facilitate navigation and searching capabilities.

(d) Numbering format The numbering system of the Guide reflects how the provisions are grouped by segment, series and topic. The format is as follows: ■ XXXX.XX – The first digit indicates the series number (For example, Series 6000, Selling and Delivery, or Series 5000, Origination and Underwriting) ■ XXXX.XX – The second digit indicates the topic number, which can have one or many chapters ■ XXXX.XX – The last 2 digits before the decimal point indicate the chapter number ■ XXXX.XX – The 2 digits after the decimal indicates the section number For example, in Section 1101.1: ■ 1101.1 – The first “1” represents that this section is located in Series 1000, General Contract Terms ■ 1101.1 – The second “1” represents that this section is located in the first topic of Series 1000, Topic 1100 – The Guide ■ 1101.1 – The “01” before the decimal point represents that this section is located in the first chapter within Topic 1100, Chapter 1101, The Guide ■ 1101.1 – The “1” after the decimal point represents that this is the first section in Chapter 1101, Section 1101.1, Introduction to the Guide This numbering can help in locating specific content. For example, these are the steps a Seller/Servicer could take if it wants to locate the Guide requirements about reporting fraud and other Suspicious Activity: ■ First, the segment should be identified. This is a requirement that applies to both Sellers and Servicers and is contained within the Freddie Mac Seller/Servicer Relationship Segment. ■ Second, the series should be found. As this is part of risk management, the relevant series is Series 3000, Risk Management and Remedies. ■ Next, the topic needs to be determined. These requirements are contained within topic 3200: Fraud Prevention, Detection and Reporting; Reporting Other Suspicious Activity. ■ Finally, the chapter and section within the topic need to be located. In this case, the chapter title mirrors the topic heading, Chapter 3201: Fraud Prevention, Detection and Reporting; Reporting Other Suspicious Activity. The specific provisions about this subject are contained in Section 3201.2: Fraud and other Suspicious Activity reporting requirements. The numerical reference to this provision, then, is Section 3201.2.

(e) Exhibits, forms, the Glossary and Directories The Guide also includes the following types of provisions: ■ Exhibits: Exhibits referenced are Freddie Mac exhibits unless otherwise indicated ■ Forms: Forms referenced are Freddie Mac forms unless otherwise indicated ■ Glossary: The Glossary contains definitions of select terms used in the Guide ■ Directories: The directories contain Freddie Mac contact information (i.e., addresses, telephone numbers, fax numbers and e-mail addresses) to be used for specific questions, requests and documentation. Guide references to directories are indicated with a bolded parenthetical (e.g., “(see Directory 5)”).