Freddie Mac Single-Family Seller/Servicer Guide 8401.2 — Probate and title matters affecting the
Freddie Mac Single-Family Seller/Servicer Guide section 8401.2 — Probate and title matters affecting the. Full verbatim section text, substring-verified against snapshot 4c94f67729042dd6.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 8401.2 — Probate and title matters affecting the — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Single-Family Seller/Servicer Guide 8401.2 — Probate and title matters affecting the (part 1 of 2)
Mortgaged Premises (Future effective date 11/16/26) Refer to Bulletins 2026-G and 2026-11, which announced updates related to Freddie Mac’s new event-based default related reporting requirements. Beginning November 16, 2026, Servicers may implement the new requirements if they are operationally ready to do so. If a Servicer adopts the new event-based default related reporting standards before the mandatory effective date of September 27, 2027, it must comply with the associated Guide requirements that will be effective on September 27, 2027 and, upon such adoption, must discontinue monthly EDR reporting.
Freddie Mac Single-Family Seller/Servicer Guide 8401.2 — Probate and title matters affecting the (part 2 of 2)
Mortgaged Premises (Future effective date 09/27/27) This section contains requirements related to: ■ Probate ■ Servicing considerations when title issues are identified (a) Probate When the Servicer becomes aware that a Borrower is deceased, regardless of whether the Mortgage is current or delinquent, the Servicer should: ■ Take reasonable steps to determine whether ownership of the Mortgaged Premises or authority to act on behalf of the Borrower is subject to probate or estate proceedings ■ If no other Borrowers are on the Note, attempt to verify the executor of the estate and/or successors in interest and explain the documentation required to confirm successor status (e.g., death certificate, obituary, newspaper article) ■ Limit Mortgage-related actions, such as loss mitigation, to those permitted under applicable law until an authorized personal representative, estate executor, administrator or other legally recognized successor in interest has been identified, as applicable If the Mortgage is greater than 30 days delinquent, the Servicer must report the Probate default related reporting event in accordance with Section 9102.6 and Exhibit 82, Default Reporting Dataset Guidelines. Note: If the Mortgage was previously referred to foreclosure, and probate will delay the foreclosure proceeding, then the Servicer must also report the Foreclosure – Hold default related reporting event, identifying the foreclosure delay category type as “Probate”, in accordance with Section 9102.6 and Exhibit 82. (b) Servicing considerations when title issues are identified When the Servicer identifies a defect, lien or encumbrance affecting a Mortgage, regardless of whether the Mortgage is current or delinquent, the Servicer must report the Title Issue default related reporting event in accordance with Section 9102.6 and Exhibit 82. Note: If the Mortgage was previously referred to foreclosure, and the title issue will delay the foreclosure proceeding, then the Servicer must also report the Foreclosure – Hold default related reporting event, identifying the foreclosure delay category type as “Title Issue”, in accordance with Section 9102.6 and Exhibit 82.
Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 8401.2 — Probate and title matters affecting the
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Source of record: https://claudeforcompliance.com/regs/fhlmc-8401-2/
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