Freddie Mac Single-Family Seller/Servicer Guide 8504.1 — Outreach and notification requirements for

Freddie Mac Single-Family Seller/Servicer Guide 8504.1 — Outreach and notification requirements for

Mortgages with low interest-bearing UPB and a deferred balance that are approaching the Mortgage maturity date or payoff of the interest-bearing UPB (08/12/26) This section contains information related to: ■ Outreach requirements ■ Written notification requirement For Mortgages with an outstanding non-interest bearing UPB (or deferred balance) that is due at the time of maturity or payoff of the interest-bearing UPB, Servicers must complete additional outreach in accordance with the requirements below. Servicers are reminded that for delinquent Borrowers, the Servicer must continue to follow all existing Guide requirements, including collection efforts in order to achieve quality right party contact and the loss mitigation evaluation hierarchy unless they conflict with the requirements below. (a) Outreach requirements As early as 180 days but no later than 150 days before the Mortgage maturity date or the projected payoff date of the interest-bearing UPB (the “projected payoff date”), the Servicer must take the following actions: ■ Provide written notice to the Borrower informing the Borrower that the non-interest bearing UPB will become due and provide the projected payoff date or pending Mortgage maturity date, as applicable, and the amount of the non-interest bearing UPB ■ Upon establishing contact with the Borrower, discuss with the Borrower that the noninterest bearing UPB will become due on the projected payoff date or pending Mortgage maturity date and determine, based on communication with the Borrower, whether the Borrower is able to pay the non-interest bearing UPB on the maturity date or projected payoff date ■ Submit an exception review request to Freddie Mac via Resolve® using the Custom Modification path if the Servicer determines that the Borrower is unable to pay the amount due. The Servicer must provide its recommended solution, applicable terms and the supporting rationale for the request. As early as 75 days and no later than 60 days before the Mortgage maturity date or the projected payoff date, the Servicer must take the following actions: ■ If the Servicer has not established contact with the Borrower, send an additional notice to the Borrower informing the Borrower that the non-interest bearing UPB will become due and provide the projected payoff date or pending Mortgage maturity date, as applicable, and the amount of the non-interest bearing UPB ■ Upon establishing contact with the Borrower, discuss with the Borrower that the noninterest bearing UPB will become due on the projected payoff date or pending Mortgage maturity date and determine, based on communication with the Borrower, whether the Borrower is able to pay the non-interest bearing UPB on the maturity date or projected payoff date ■ Submit an exception review request to Freddie Mac via Resolve using the Custom Modification path if the Servicer determines that the Borrower is unable to pay the amount due. The Servicer must provide its recommended solution, applicable terms and the supporting rationale for the request. After the initial solicitation but no earlier than 180 days before the maturity date or the projected payoff date, the Servicer may send additional notices at its discretion leading up to the maturity date or projected payoff date. (b) Written notification requirement When sending the required written notification set forth above in Section 8504.1(a) to Borrowers regarding the non-interest bearing UPB that is due, the Servicer must refer to Exhibit 1104, Freddie Mac Borrower Non-Interest Bearing Balance Notice. Use of this exhibit is optional; however, it contains the minimum information that must be conveyed to the Borrower.

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