Freddie Mac Single-Family Seller/Servicer Guide 9205.2 — Special investor reporting requirements and compliance with applicable law for Mortgages modified under Home Affordable Modification

ProgramSM (HAMP®) (09/10/25) This section contains information related to: ■ Monthly reporting ■ Interim reporting and drafting requirements for a payoff of a Mortgage with partial principal forbearance ■ Application of partial prepayments of principal and Home Affordable Modification ProgramSM (HAMP®) Pay for Performance or HAMP Year Six Pay for Performance incentives ■ Monthly statements ■ Credit bureau reporting for all Mortgages with a partial principal forbearance ■ Compliance with applicable law on Mortgages modified under HAMP

(a) Monthly reporting In addition to the loan-level reporting requirements for all Mortgages pursuant to Chapter 8303 and Exhibit 60, Loan-Level Reporting Data Description, Servicers must comply with the following monthly loan-level reporting requirements for all Mortgages modified under HAMP, including Mortgages with a partial principal forbearance: Monthly loan-level reporting requirements (For all Mortgages modified under HAMP, including Mortgages with a partial principal forbearance) Data Field Description Current UPB For all Mortgages, this is the UPB of the Mortgage as of the end of the Accounting Cycle. For Mortgages with partial principal forbearance, the reported UPB must equal the sum of the interestbearing UPB (the amortizing principal balance of the Mortgage) (the “interest-bearing UPB”) and the principal forbearance balance (“deferred UPB”), as of the end of the Accounting Cycle. Interest-bearing UPB For Mortgages with partial principal forbearance, report the amount of the interest-bearing UPB (the amortizing principal balance of the Mortgage) as of the end of the Accounting Cycle. Note: Monthly “Interest Due Freddie Mac” must be calculated and reported based on the interest-bearing UPB only. Monthly loan-level reporting requirements (For all Mortgages modified under HAMP, including Mortgages with a partial principal forbearance) Data Field Description Deferred UPB For Mortgages with partial principal forbearance, report the amount of deferred UPB as of the end of the Accounting Cycle. Note: The deferred UPB is non-interest-bearing and non-amortizing, and will be due in the form of a balloon payment upon the earlier of the transfer of all or a portion of the property, the payoff of the interestbearing UPB, or the new maturity date of the modified Mortgage. Borrower incentive curtailment (BIC) For all Mortgages modified under HAMP, report the amount of any Borrower “Pay for Performance” incentive payments paid by Freddie Mac and applied to the UPB during the Accounting Cycle. This is reported to Freddie Mac only once a year for each eligible Mortgage. Note: The Borrower Pay for Performance incentive is paid once a year and must be applied upon receipt to the interest-bearing UPB of the Mortgage and then to any principal forbearance amount (i.e., Deferred UPB), if applicable. See Section 9205.2(c) for additional information. Principal Due Freddie Mac For all Mortgages, Freddie Mac’s share of principal payments, including prepayments of principal (i.e., curtailments) applied to the interest-bearing UPB of the Mortgage during the Accounting Cycle. Note: This field does not include curtailments resulting from the Borrower’s Pay for Performance incentive payment. Monthly loan-level reporting requirements (For all Mortgages modified under HAMP, including Mortgages with a partial principal forbearance) Data Field Description Deferred Principal Curtailment Amount For Mortgages with partial principal forbearance, report the amount of any principal curtailment applied to the deferred UPB during the Accounting Cycle. This amount must be included in the “Deferred UPB” field. Note: See Section 9205.2(c) below for additional information on the application of partial prepayments of principal. Reporting corrections Servicers must comply with the requirements of Section 8303.3(k) in the event of an understatement or overstatement of principal reduction to either the interest-bearing UPB or the deferred UPB. In the event of an overpayment of disbursed funds to the Servicer, a correction of such overpayment will result in a draft back of any funds owed to Freddie Mac. If a previously applied BIC payment must be reduced or reversed, the UPB of the Mortgage will be increased in the same manner in which the BIC payment was previously applied. That is, if the BIC payment was applied as a reduction to the interest-bearing UPB, then the Servicer must report an increase in the interest-bearing UPB for the amount of the correction, using the principal balance correction exception code. Note: Refer to Exhibit 60 for information on reporting a principal balance correction exception code.

(b) Interim reporting and drafting requirements for a payoff of a Mortgage with partial principal forbearance Servicers must comply with the applicable interim reporting requirements set forth in Chapter 8303 except that, when reporting the payoff of a Mortgage with a partial principal forbearance, Servicers must also comply with the following: ■ The Current UPB, Interest-bearing UPB and Deferred UPB fields must be reported as zero ■ The amount of deferred UPB as reported at the end of the previous Accounting Cycle must be reported in the “Deferred Principal Curtailment Amount” field ■ Ensure funds equivalent to the amount of the current UPB (i.e., combined interestbearing UPB and deferred UPB) as reported in the previous Accounting Cycle, plus or minus the exception interest, are available for Freddie Mac to draft on the Payoff Draft Date. Exception interest, as defined in Section 8303.1(a) must be based on the interestbearing UPB only. Servicers must calculate payoff proceeds in accordance with the following: Payoff proceeds calculation Interest-Bearing UPB + Deferred UPB +/- Borrower Incentive Curtailment Amount (if applicable) +/- Exception interest (calculated based on the interest-bearing UPB) = Proceeds due Freddie Mac

(c) Application of partial prepayments of principal and HAMP Pay for Performance or HAMP Year Six Pay for Performance incentives The Servicer must apply a HAMP Pay for Performance incentive or a HAMP Year Six Pay for Performance incentive as a principal curtailment in accordance with the following requirements: HAMP Pay for Performance incentive/ Year Six Pay for Performance incentive If the principal curtailment… Then the Servicer must apply the funds… Is less than the interest-bearing UPB To the interest-bearing UPB Is greater than or equal to the interestbearing UPB In the following order to the: 1. Deferred UPB, if any, and then 2. Interest-bearing UPB Note: After applying a HAMP Pay for Performance incentive or a HAMP Year Six Pay for Performance incentive in the above order, the Servicer must remit any remaining incentive payment directly to the Borrower. Servicers must report the amount of any curtailment applied to the deferred UPB during the Accounting Cycle in the “Deferred Principal Curtailment Amount” data field.

(d) Monthly statements Freddie Mac recommends the Servicer include the amount of the deferred UPB and the combined interest-bearing and deferred UPBs on the Borrower’s monthly statement.

(e) Credit bureau reporting for all Mortgages with a partial principal forbearance Servicers can access additional information on credit reporting unique to HAMP including the reporting of Mortgages with a partial principal forbearance from the Consumer Data Industry Association, which gives general credit reporting guidelines for Mortgage and home equity loans in response to current financial conditions, at http://www.cdiaonline.org.

(f) Compliance with applicable law on Mortgages modified under HAMP The Servicer’s implementation of HAMP and all actions taken under this chapter must comply with all applicable federal, State and local laws and regulations including, but not limited to, those laws set forth in Section 1301.2.