Freddie Mac Single-Family Seller/Servicer Guide 8503.1 — Definitions related to Servicing loans, relief and workout options for Servicemembers and their Dependents

This section contains requirements related to: ■ Definitions related to Servicing Mortgages of Servicemembers ■ Relief options exclusive to Servicemembers and their Dependents ■ Other relief and workout options for Servicemembers and their Dependents

(a) Definitions related to Servicing Mortgages of Servicemembers As used in this chapter, the following terms shall have the same definitions as those provided in the Servicemembers Civil Relief Act (SCRA) and any applicable regulations as they shall be amended from time to time: ■ Dependent ■ Military Service ■ Period of Military Service ■ Servicemember The term Permanent Change of Station (PCS) shall have the same meaning as that provided by the Joint Federal Travel Regulations, Volume 1, promulgated by the United States Department of Defense, Defense Management Travel Office. The term “State Military Relief Law” shall mean any State law that provides benefits, protections or relief to members of the armed forces relating to a Mortgage. For example, and not by way of limitation, the New Jersey Soldiers’ and Sailors’ Civil Relief Act (N.J.S.A. §§ 38:23C-1 et seq.), is a State Military Relief Law. State Military Relief Laws generally extend SCRA protections to individuals not covered by the SCRA and therefore afford greater protections than the SCRA provides.

(b) Relief options exclusive to Servicemembers and their Dependents (i) Servicer responsibilities Servicers must comply with the SCRA and all State Military Relief Laws as they apply to any Borrower or Mortgage. The Servicer must be familiar and comply with all the provisions of the SCRA and State Military Relief Laws and monitor changes to such laws to ensure continuing compliance. In cases where military orders are required, Servicers may accept the following alternative forms of documentation: ■ When provisions of the SCRA require a Servicemember to provide a copy of his or her military orders*, Servicers may accept: ❑ Official military orders that reflect the start date of the Period of Military Service ❑ A certification, including a certificate obtained from the Defense Manpower Data Center, that delineates the start date of a Servicemember’s Period of Military Service ❑ A letter that is on official letterhead from the military unit to which the Servicemember is assigned, is signed by the Servicemember’s commanding officer and contains the following: A statement that the letter is intended to be relied upon by creditors for SCRA purposes, the Servicemember’s full name and Social Security Number, home address, start and end dates of the Period of Military Service and commander’s contact telephone number; or ❑ Any document the Department of Defense deems a substitute for official orders *References to “military orders” in the Guide include the alternative documentation outlined above that Servicers may accept in lieu of official military orders. ■ Servicers may accept written requests for the SCRA interest rate relief via facsimile, U.S. mail, or electronic submission, such as e-mail or transmitting an online form ■ Servicers may, but are not required to, accept an oral request for SCRA interest rate relief if the Servicer has established processes, policies and procedures that, at a minimum, positively identify the requestor and enable the Servicer to record the request and make the recording available to Freddie Mac upon request ■ Servicers must submit a request for SCRA interest reimbursement, in accordance with Section 8503.2(d), within 24 months of the end date of a Servicemember’s Period of Military Service Freddie Mac will not reimburse Servicers for SCRA interest rate differential requests when the amount requested exceeds the amount of interest represented by the Note Rate minus 6%. (ii) Borrower eligibility for SCRA protection The SCRA applies to any Borrower who is a Servicemember during a Period of Military Service if the following conditions are met: ■ The Mortgage is the contractual obligation of the Servicemember as the Borrower or co-Borrower under the Note; or as obligee under a written agreement by which the Servicemember assumes the Borrower’s liability under the Note and the Borrower is released from such liability, and ■ The Servicemember executed the Note or the assumption agreement before the reporting date or effective date of the Servicemember’s Period of Military Service as shown in military orders Note: Refer to Sections 8503.2(a) through 8503.2(g) for applying SCRA provisions on Mortgages. (iii)Foreclosure relief extended to Servicemembers and their Dependents by Freddie Mac in addition to SCRA provisions and State Military Relief Laws Freddie Mac offers foreclosure relief in addition to that provided by the SCRA or State Military Relief Laws. Servicers must not initiate or, if already initiated, must not complete foreclosure of a Mortgage where a Servicemember is a Borrower, and the Mortgaged Premises is the Primary Residence of the Servicemember, regardless of when the Mortgage was originated, during his or her Period of Military Service or for one year after the date Military Service ends. Additionally, Servicers must not initiate or, if already initiated, must not complete foreclosure on a Mortgage, during a Servicemember’s Period of Military Service or for one year after the date Military Service ends, when the Borrower: ■ Is a Dependent of a Servicemember and the Mortgaged Premises is the Primary Residence of the Servicemember or a Dependent of a Servicemember; or ■ Was a Servicemember who died during the Period of Military Service and the Mortgaged Premises continues to serve as the Primary Residence of a Dependent of the Servicemember Example: If the Borrower is the spouse of a Servicemember who left Military Service on January 1st, and the Mortgaged Premises are the Primary Residence of the Servicemember or the spouse, then the Servicer must not initiate or complete foreclosure until after January 1st of the following year. If the Servicer believes that there are unusual circumstances that warrant initiating or completing foreclosure prior to the time allowed by this subsection 8503.1(b)(iii), such as the Mortgaged Premises being vacant or abandoned, the Servicer must contact Freddie Mac (see Directory 5) to obtain prior written approval to initiate or complete foreclosure proceedings. The Servicer must report a Servicemember who is receiving relief from Freddie Mac as outlined in this subsection 8503.1(b)(iii) as “paying as agreed” to any consumer reporting agency to which the Servicer reports.

(c) Other relief and workout options for Servicemembers and their Dependents If a Servicemember or Dependent experiences an eligible hardship, such as receipt of PCS orders, and does not qualify for protection under the provisions of the SCRA or State Military Relief Laws, or qualifies but chooses to explore other options, the Servicer must evaluate the Servicemember for the most appropriate relief or workout option in accordance with Chapter 9102. If a Servicemember requires additional relief beyond what is currently available in the Guide, Servicers should contact their Freddie Mac representative.

Dependents (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. This section contains requirements related to: ■ Definitions related to Servicing Mortgages of Servicemembers ■ Relief options exclusive to Servicemembers and their Dependents ■ Other relief and workout options for Servicemembers and their Dependents

(a) Definitions related to Servicing Mortgages of Servicemembers As used in this chapter, the following terms shall have the same definitions as those provided in the Servicemembers Civil Relief Act (SCRA) and any applicable regulations as they shall be amended from time to time: ■ Dependent ■ Military Service ■ Period of Military Service ■ Servicemember The term Permanent Change of Station (PCS) shall have the same meaning as that provided by the Joint Federal Travel Regulations, Volume 1, promulgated by the United States Department of Defense, Defense Management Travel Office. The term “State Military Relief Law” shall mean any State law that provides benefits, protections or relief to members of the armed forces relating to a Mortgage. For example, and not by way of limitation, the New Jersey Soldiers’ and Sailors’ Civil Relief Act (N.J.S.A. §§ 38:23C-1 et seq.), is a State Military Relief Law. State Military Relief Laws generally extend SCRA protections to individuals not covered by the SCRA and therefore afford greater protections than the SCRA provides.

(b) Relief options exclusive to Servicemembers and their Dependents (i) Servicer responsibilities Servicers must comply with the SCRA and all State Military Relief Laws as they apply to any Borrower or Mortgage. The Servicer must be familiar and comply with all the provisions of the SCRA and State Military Relief Laws and monitor changes to such laws to ensure continuing compliance. In cases where military orders are required, Servicers may accept the following alternative forms of documentation: ■ When provisions of the SCRA require a Servicemember to provide a copy of his or her military orders*, Servicers may accept: ❑ Official military orders that reflect the start date of the Period of Military Service ❑ A certification, including a certificate obtained from the Defense Manpower Data Center, that delineates the start date of a Servicemember’s Period of Military Service ❑ A letter that is on official letterhead from the military unit to which the Servicemember is assigned, is signed by the Servicemember’s commanding officer and contains the following: A statement that the letter is intended to be relied upon by creditors for SCRA purposes, the Servicemember’s full name and Social Security Number, home address, start and end dates of the Period of Military Service and commander’s contact telephone number; or ❑ Any document the Department of Defense deems a substitute for official orders *References to “military orders” in the Guide include the alternative documentation outlined above that Servicers may accept in lieu of official military orders. ■ Servicers may accept written requests for the SCRA interest rate relief via facsimile, U.S. mail, or electronic submission, such as e-mail or transmitting an online form ■ Servicers may, but are not required to, accept an oral request for SCRA interest rate relief if the Servicer has established processes, policies and procedures that, at a minimum, positively identify the requestor and enable the Servicer to record the request and make the recording available to Freddie Mac upon request ■ Servicers must submit a request for SCRA interest reimbursement, in accordance with Section 8503.2(d), within 24 months of the end date of a Servicemember’s Period of Military Service Freddie Mac will not reimburse Servicers for SCRA interest rate differential requests when the amount requested exceeds the amount of interest represented by the Note Rate minus 6%. (ii) Borrower eligibility for SCRA protection The SCRA applies to any Borrower who is a Servicemember during a Period of Military Service if the following conditions are met: ■ The Mortgage is the contractual obligation of the Servicemember as the Borrower or co-Borrower under the Note; or as obligee under a written agreement by which the Servicemember assumes the Borrower’s liability under the Note and the Borrower is released from such liability, and ■ The Servicemember executed the Note or the assumption agreement before the reporting date or effective date of the Servicemember’s Period of Military Service as shown in military orders Note: Refer to Sections 8503.2(a) through 8503.2(g) for applying SCRA provisions on Mortgages. (iii)Foreclosure relief extended to Servicemembers and their Dependents by Freddie Mac in addition to SCRA provisions and State Military Relief Laws Freddie Mac offers foreclosure relief in addition to that provided by the SCRA or State Military Relief Laws. Servicers must not initiate or, if already initiated, must not complete foreclosure of a Mortgage where a Servicemember is a Borrower, and the Mortgaged Premises is the Primary Residence of the Servicemember, regardless of when the Mortgage was originated, during his or her Period of Military Service or for one year after the date Military Service ends. Additionally, Servicers must not initiate or, if already initiated, must not complete foreclosure on a Mortgage, during a Servicemember’s Period of Military Service or for one year after the date Military Service ends, when the Borrower: ■ Is a Dependent of a Servicemember and the Mortgaged Premises is the Primary Residence of the Servicemember or a Dependent of a Servicemember; or ■ Was a Servicemember who died during the Period of Military Service and the Mortgaged Premises continues to serve as the Primary Residence of a Dependent of the Servicemember Example: If the Borrower is the spouse of a Servicemember who left Military Service on January 1st, and the Mortgaged Premises are the Primary Residence of the Servicemember or the spouse, then the Servicer must not initiate or complete foreclosure until after January 1st of the following year. If the Servicer believes that there are unusual circumstances that warrant initiating or completing foreclosure prior to the time allowed by this subsection 8503.1(b)(iii), such as the Mortgaged Premises being vacant or abandoned, the Servicer must contact Freddie Mac (see Directory 5) to obtain prior written approval to initiate or complete foreclosure proceedings. The Servicer must report a Servicemember who is receiving relief from Freddie Mac as outlined in this subsection 8503.1(b)(iii) as “paying as agreed” to any consumer reporting agency to which the Servicer reports.

(c) Other relief and workout options for Servicemembers and their Dependents If a Servicemember or Dependent experiences an eligible hardship, such as receipt of PCS orders, and does not qualify for protection under the provisions of the SCRA or State Military Relief Laws, or qualifies but chooses to explore other options, the Servicer must evaluate the Servicemember for the most appropriate relief or workout option in accordance with Chapter 9102. If a Servicemember requires additional relief beyond what is currently available in the Guide, Servicers should contact their Freddie Mac representative.

Dependents (Future effective date 09/27/27) This section contains requirements related to: ■ Definitions related to Servicing Mortgages of Servicemembers ■ Relief options exclusive to Servicemembers and their Dependents ■ Other relief and workout options for Servicemembers and their Dependents ■ Reporting Military Indulgence to Freddie Mac

(a) Definitions related to Servicing Mortgages of Servicemembers As used in this chapter, the following terms shall have the same definitions as those provided in the Servicemembers Civil Relief Act (SCRA) and any applicable regulations as they shall be amended from time to time: ■ Dependent ■ Military Service ■ Period of Military Service ■ Servicemember The term Permanent Change of Station (PCS) shall have the same meaning as that provided by the Joint Federal Travel Regulations, Volume 1, promulgated by the United States Department of Defense, Defense Management Travel Office. The term “State Military Relief Law” shall mean any State law that provides benefits, protections or relief to members of the armed forces relating to a Mortgage. For example, and not by way of limitation, the New Jersey Soldiers’ and Sailors’ Civil Relief Act (N.J.S.A. §§ 38:23C-1 et seq.), is a State Military Relief Law. State Military Relief Laws generally extend SCRA protections to individuals not covered by the SCRA and therefore afford greater protections than the SCRA provides.

(b) Relief options exclusive to Servicemembers and their Dependents (i) Servicer responsibilities Servicers must comply with the SCRA and all State Military Relief Laws as they apply to any Borrower or Mortgage. The Servicer must be familiar and comply with all the provisions of the SCRA and State Military Relief Laws and monitor changes to such laws to ensure continuing compliance. In cases where military orders are required, Servicers may accept the following alternative forms of documentation: ■ When provisions of the SCRA require a Servicemember to provide a copy of his or her military orders*, Servicers may accept: ❑ Official military orders that reflect the start date of the Period of Military Service ❑ A certification, including a certificate obtained from the Defense Manpower Data Center, that delineates the start date of a Servicemember’s Period of Military Service ❑ A letter that is on official letterhead from the military unit to which the Servicemember is assigned, is signed by the Servicemember’s commanding officer and contains the following: A statement that the letter is intended to be relied upon by creditors for SCRA purposes, the Servicemember’s full name and Social Security Number, home address, start and end dates of the Period of Military Service and commander’s contact telephone number; or ❑ Any document the Department of Defense deems a substitute for official orders *References to “military orders” in the Guide include the alternative documentation outlined above that Servicers may accept in lieu of official military orders. ■ Servicers may accept written requests for the SCRA interest rate relief via facsimile, U.S. mail, or electronic submission, such as e-mail or transmitting an online form ■ Servicers may, but are not required to, accept an oral request for SCRA interest rate relief if the Servicer has established processes, policies and procedures that, at a minimum, positively identify the requestor and enable the Servicer to record the request and make the recording available to Freddie Mac upon request ■ Servicers must submit a request for SCRA interest reimbursement, in accordance with Section 8503.2(d), within 24 months of the end date of a Servicemember’s Period of Military Service Freddie Mac will not reimburse Servicers for SCRA interest rate differential requests when the amount requested exceeds the amount of interest represented by the Note Rate minus 6%. (ii) Borrower eligibility for SCRA protection The SCRA applies to any Borrower who is a Servicemember during a Period of Military Service if the following conditions are met: ■ The Mortgage is the contractual obligation of the Servicemember as the Borrower or co-Borrower under the Note; or as obligee under a written agreement by which the Servicemember assumes the Borrower’s liability under the Note and the Borrower is released from such liability, and ■ The Servicemember executed the Note or the assumption agreement before the reporting date or effective date of the Servicemember’s Period of Military Service as shown in military orders Note: Refer to Sections 8503.2(a) through 8503.2(g) for applying SCRA provisions on Mortgages. (iii)Foreclosure relief extended to Servicemembers and their Dependents by Freddie Mac in addition to SCRA provisions and State Military Relief Laws Freddie Mac offers foreclosure relief in addition to that provided by the SCRA or State Military Relief Laws. Servicers must not initiate or, if already initiated, must not complete foreclosure of a Mortgage where a Servicemember is a Borrower, and the Mortgaged Premises is the Primary Residence of the Servicemember, regardless of when the Mortgage was originated, during his or her Period of Military Service or for one year after the date Military Service ends. Additionally, Servicers must not initiate or, if already initiated, must not complete foreclosure on a Mortgage, during a Servicemember’s Period of Military Service or for one year after the date Military Service ends, when the Borrower: ■ Is a Dependent of a Servicemember and the Mortgaged Premises is the Primary Residence of the Servicemember or a Dependent of a Servicemember; or ■ Was a Servicemember who died during the Period of Military Service and the Mortgaged Premises continues to serve as the Primary Residence of a Dependent of the Servicemember Example: If the Borrower is the spouse of a Servicemember who left Military Service on January 1st, and the Mortgaged Premises are the Primary Residence of the Servicemember or the spouse, then the Servicer must not initiate or complete foreclosure until after January 1st of the following year. If the Servicer believes that there are unusual circumstances that warrant initiating or completing foreclosure prior to the time allowed by this subsection 8503.1(b)(iii), such as the Mortgaged Premises being vacant or abandoned, the Servicer must contact Freddie Mac (see Directory 5) to obtain prior written approval to initiate or complete foreclosure proceedings. The Servicer must report a Servicemember who is receiving relief from Freddie Mac as outlined in this subsection 8503.1(b)(iii) as “paying as agreed” to any consumer reporting agency to which the Servicer reports.

(c) Other relief and workout options for Servicemembers and their Dependents If a Servicemember or Dependent experiences an eligible hardship, such as receipt of PCS orders, and does not qualify for protection under the provisions of the SCRA or State Military Relief Laws, or qualifies but chooses to explore other options, the Servicer must evaluate the Servicemember for the most appropriate relief or workout option in accordance with Chapter 9102. If a Servicemember requires additional relief beyond what is currently available in the Guide, Servicers should contact their Freddie Mac representative.

(d) Reporting Military Indulgence to Freddie Mac When a Servicer receives a written request from a Servicemember Borrower or his/her dependents for relief or protections under SCRA or State military relief laws or otherwise becomes aware that a Borrower has entered a period of military service, and the Mortgage is delinquent, the Servicer must report the Military Indulgence default related reporting event in accordance with Section 9102.6 and Exhibit 82, Default Reporting Dataset Guidelines, to indicate the start date and end date (if known) of the period of military service. When the period of military service ends, the Servicer must report the Military Indulgence default related reporting event in accordance with Section 9102.6 and Exhibit 82 to indicate the end date of the period of military service. Note: If the Mortgage was previously referred to foreclosure, and military indulgence 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 “Military Indulgence”, in accordance with Section 9102.6 and Exhibit 82.