source:
  type: guide
  id: fhlmc-8801.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8801.1 — Servicing
    Cooperative Share Loans
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 8801.1 — Servicing
    Cooperative Share Loans.
  coverage_tier: operative
obligations:
- id: fhlmc-8801.1-full
  canonical_id: fhlmc-8801.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 8801.1 — Servicing
    Cooperative Share Loans
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8801.1 — Servicing
      Cooperative Share Loans
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '8801.1: Servicing Cooperative Share Loans (09/10/25) This section
      contains information related to: ■ Key terms for Cooperative Share Loans ■ Servicers
      of Cooperative Share Loans ■ Servicing requirements applicable to Cooperative
      Share Loans ■ Combined Cooperative Units ■ Amendments to the Proprietary Lease
      ■ Cooperative Share Loans recognized as personal property ■ Notifications to/from
      the Cooperative Corporation and insurers ■ Stock transfer fee (“flip tax”) (a)
      Key terms for Cooperative Share Loans Key terms and definitions used in this
      Chapter 8801 (e.g., Cooperative Share Loan) can be found in the Glossary. Servicers
      of Cooperative Share Loans should be familiar with such key terms and definitions
      found therein. Note: The terms “Mortgage” and “Mortgaged Premises” as used in
      the Servicing requirements of the Guide include (as the context requires) the
      terms “Cooperative Share Loan” and “Cooperative Unit”, respectively. As such,
      Servicing requirements pertaining to Mortgages or Mortgaged Premises apply respectively
      to Cooperative Share Loans or Cooperative Units. (b) Servicers of Cooperative
      Share Loans A Servicer does not need to obtain Freddie Mac’s prior written approval
      to service Cooperative Share Loans, nor must the Servicer be a Seller/Servicer
      approved to sell Cooperative Share Loans to Freddie Mac in accordance with Chapter
      5705. Note: Refer to Chapter 5705 for specific requirements for selling Cooperative
      Share Loans to Freddie Mac, including, but not limited to, the approval process
      to sell Cooperative Share Loans to Freddie Mac. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 8801 As of 04/08/26 Page 8801-2 For each Cooperative Share Loan
      being serviced for Freddie Mac, the Servicer must: ■ Service the Cooperative
      Share Loan in accordance with the Servicing requirements of the Guide and this
      chapter ■ Verify that the UCC-1 Financing Statements are current and valid to
      perfect Freddie Mac’s security interest; and ■ Recognize that it is responsible
      for understanding the responsibilities, rights and available remedies under
      the Cooperative Project Documents and the Recognition Agreement between the
      Cooperative Corporation and the lender, its successors or its assigns and will
      protect Freddie Mac’s interest under the terms of such documents (c) Servicing
      requirements applicable to Cooperative Share Loans The Servicing requirements
      of this chapter are applicable only to the Servicing of Cooperative Share Loans.
      If any Servicing requirement in this chapter is inconsistent with a Servicing
      requirement set forth elsewhere in the Guide (except for requirements to comply
      with applicable law, which supersede any other Servicing requirement in the
      Guide), then the Servicer must comply with the Servicing requirement set forth
      in this chapter with respect to any Cooperative Share Loan. Servicers must not
      apply any of the requirements set forth in this chapter to a non-Cooperative
      Share Loan but rather should continue Servicing such Mortgages in accordance
      with all other Servicing requirements of the Guide and other applicable Purchase
      Documents. (d) Combined Cooperative Units A Cooperative Share Loan secured by
      a First Lien on the Cooperative Interest to Cooperative Units that were combined
      into a single unit must be serviced as a 1-unit dwelling, and, in the event
      of a foreclosure, the Cooperative Share Loan must be foreclosed as a 1-unit
      dwelling. Note: Refer to Section 5705.9 for selling requirements for combined
      Cooperative Units. (e) Amendments to the Proprietary Lease Without the prior
      written consent of Freddie Mac, a Servicer must not approve or consent to any
      amendments to the Proprietary Lease if such amendment affects the rights of
      the Cooperative Share Loan Borrower. Note: See also Section 8801.3(b) for loan
      modification requirements for a Cooperative Share Loan and the Proprietary Lease.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8801 As of 04/08/26
      Page 8801-3 (f) Cooperative Share Loans recognized as personal property If a
      Cooperative Share Loan is recognized as personal property and a title insurance
      policy cannot be issued (refer to Section 4702.6 for title insurance requirements
      for cooperatives): ■ In the event of a loan modification, when it is necessary
      to record the modification agreement to retain the modified Cooperative Share
      Loan’s First Lien position, where a title endorsement or similar title insurance
      product would otherwise need to be obtained pursuant to Section 9206.2(c) if
      a title insurance policy was issued, then the Servicer must warrant that: ❑
      The Cooperative Share Loan Borrower continues to have good and marketable title
      to the Cooperative Shares; and ❑ The Cooperative Corporation continues to have
      good and marketable title to the Cooperative Project ■ When foreclosing on a
      Cooperative Share Loan, in lieu of supplying foreclosure counsel with a copy
      of the title insurance policy pursuant to Section 9301.2(f) (or, for Senior
      Subordinate Mortgages, pursuant to Section 8601.5(b)), then the Servicer must
      provide evidence of title supporting the warranty that: ❑ The Cooperative Share
      Loan Borrower has good and marketable title to the Cooperative Shares; and ❑
      The Cooperative Corporation has good and marketable title to the Cooperative
      Project (g) Notifications to/from the Cooperative Corporation and insurers The
      Servicer must have processes in place and must have given notice to all appropriate
      parties (including, but not limited to, the Cooperative Corporation and insurers,
      as applicable), as necessary, so that the Servicer is in receipt of the following
      notifications in a timely manner: ■ Notifications the Cooperative Corporation
      is legally bound to provide that are of a material and adverse nature to Sellers
      (refer to Section 5705.6(d) regarding the rights of cooperative Shareholders
      and Sellers) ■ Any notifications from the Cooperative Corporation relating to
      the rights granted to a lender, its successors or assigns, in the Cooperative
      Project Documents or Recognition Agreement (refer to Section 5705.6(h) regarding
      the Cooperative Corporation responsibilities and Seller/Servicer rights); and
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8801 As of 04/08/26
      Page 8801-4 ■ Notifications regarding any substantive lapse in compliance with
      any of the insurance requirements. (Refer to Section 5705.6(d) regarding the
      rights of cooperative Shareholders and Sellers and Section 8801.2(b) for Servicing
      requirements in the event of a reduction or cancelation in insurance coverage.)
      Upon receipt of a notification regarding the following, the Servicer must notify
      Freddie Mac (Distressed_Property@FreddieMac.com) and include the Servicer’s
      recommendation on how to proceed: ■ A proposed action that requires the consent
      of a specified percentage of eligible lenders of Cooperative Share Loans ■ A
      lender’s right to review and approve: ❑ Any surrender, cancelation, modification,
      assignment or pledge of any documents evidencing ownership, possession and use
      of the Shareholder’s Cooperative Unit ❑ Any further or additional pledge or
      mortgage of any documents evidencing ownership, possession, and use of the Shareholder’s
      Cooperative Unit ❑ Any action to change the size, existence or form of ownership
      of the Cooperative Project Freddie Mac must be provided sufficient opportunity,
      but no less than five Business Days before any deadline given, to review and
      provide comments. (h) Stock transfer fee (“flip tax”) For Cooperative Share
      Loans where the imposition of a flip tax is permitted (refer to Section 5705.5(f)
      regarding Cooperative Share Loans subject to a stock transfer fee), Freddie
      Mac will reimburse the Servicer the paid flip tax in the event it is imposed
      as a result of a foreclosure, a transfer by the Cooperative Share Loan Borrower
      in lieu of foreclosure (“deed-in-lieu of foreclosure”) or a transfer of the
      Cooperative Share Loan Borrower’s interest in the Cooperative Unit as a result
      of a completed short sale. To be reimbursed, the Servicer must obtain written
      pre-approval from Freddie Mac by submitting a request for pre-approval (RPA)
      via the RPA functionality in PAID (Payments Automated Intelligent and Dynamic)
      (see Exhibit 88, Servicing Tools). Note: See also Section 8801.2(d) regarding
      reimbursement of expenses incurred on a Cooperative Share Loan. Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 8801 As of 04/08/26 Page 8801-5
      8801.2: Transfers of Servicing, financial obligations and insurance considerations
      (04/08/26) This section contains requirements related to: ■ Transfers of Servicing
      with respect to Cooperative Share Loans ■ Reduction or cancelation in insurance
      coverage maintained by the Cooperative Corporation ■ Cooperative Share Loan
      expenses that may become First Liens on the property ■ Reimbursement of Cooperative
      Share Loan expenses (a) Transfers of Servicing with respect to Cooperative Share
      Loans A Transferee Servicer, whether in a Concurrent or Subsequent Transfer
      of Servicing involving Cooperative Share Loans, does not need to be a Seller/Servicer
      approved to sell Cooperative Share Loans to Freddie Mac in accordance with Chapter
      5705 in order to service Cooperative Share Loans for Freddie Mac when engaging
      in the Transfer of Servicing with a Transferor Servicer. In addition to the
      requirements governing Concurrent Transfers of Servicing and Subsequent Transfers
      of Servicing set forth elsewhere in the Guide, for each Cooperative Share Loan
      being serviced for Freddie Mac: ■ The Transferor Servicer must verify that the
      UCC-1 Financing Statements are current and valid to perfect Freddie Mac’s security
      interest on the Effective Date of Transfer; and ■ Consistent with the requirements
      in Section 7101.7(b), the Transferee Servicer must provide notice to all appropriate
      parties (including, but not limited to, the Cooperative Corporation and insurers,
      as applicable), as necessary, to avoid disruption in the Transferee Servicer’s
      timely receipt of any notifications from the Cooperative Corporation and insurers.
      Note: Refer to Section 8801.1(g) regarding notifications from the Cooperative
      Corporation and insurers. (b) Reduction or cancelation in insurance coverage
      maintained by the Cooperative Corporation For insurance being maintained by
      the Cooperative Corporation under Chapter 8202, when the Servicer learns that
      any of the required insurance coverage(s) will be reduced or no longer in force,
      the Servicer must contact the Cooperative Corporation to: Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 8801 As of 04/08/26 Page 8801-6 ■ Determine the
      reasons for the reduction or cancelation in insurance coverage and whether and
      when such insurance coverage will be reinstated; and ■ Advise the Cooperative
      Corporation that the lack of adequate insurance coverage will make future Cooperative
      Share Loans in the Cooperative Project ineligible for sale to Freddie Mac If
      the insurance coverage is not reinstated within 60 days after the reduction
      or cancelation, then the Servicer must: ■ Advise its loan origination staff,
      if any, that future Cooperative Share Loans in the Cooperative Project are not
      eligible for sale to Freddie Mac; and ■ Immediately notify Freddie Mac (Distressed_Property@FreddieMac.com)
      of the reduction or cancelation in insurance coverage and include the Servicer’s
      recommendation on how to proceed (c) Cooperative Share Loan expenses that may
      become First Liens on the property In consideration of the requirements in Section
      9301.6(e), if a delinquent expense (as listed below) is or may become a First
      Lien on the property or that if not paid would result in the subordination of
      Freddie Mac’s interests, then the Servicer must obtain written pre-approval
      from Freddie Mac by submitting a request for pre-approval (RPA) via the RPA
      functionality in PAID (Payments Automated Intelligent and Dynamic) (see Exhibit
      88, Servicing Tools) before advancing and paying any such expense, when and
      to the extent necessary, to protect Freddie Mac’s interests. These expenses
      include: ■ Cooperative Corporation assessments that represent the Pro Rata Share;
      and ■ For a Cooperative Unit located in the State of New York, Cooperative Unit
      Maintenance Fees (and any associated collection expenses) Note: See also Section
      8801.2(d) regarding reimbursement of expenses incurred on a Cooperative Share
      Loan. (d) Reimbursement of Cooperative Share Loan expenses The Servicer must
      obtain written pre-approval from Freddie Mac by an RPA) via the RPA functionality
      in PAID to be reimbursed for the following expenses incurred on a Cooperative
      Share Loan: ■ Flip tax pursuant to Section 8801.1(h); and ■ Cooperative Share
      Loan expenses that may become First Liens on the property pursuant to Section
      8801.2(c) Freddie Mac Single-Family Seller/Servicer Guide Chapter 8801 As of
      04/08/26 Page 8801-7 Note: See also Exhibit 74, Expense and Income Codes for
      Expense Reimbursement Claims, regarding expense codes 014005 (Foreclosure on
      a Cooperative Share), 080008 (Cooperative Share Loan – Flip Tax), 080009 (Cooperative
      Share Loan – Pro Rata Share Assessments) and 080010 (Cooperative Share Loan
      – Maintenance Fees). Additionally, consistent with the requirements in Section
      9701.5(a), standard supporting documentation (e.g., proof of disbursements)
      for reimbursement of expenses incurred on a Cooperative Share Loan include,
      but are not limited to, a copy of the Cooperative Project Documents, Recognition
      Agreement or other legal documents highlighting, if applicable, that: ■ The
      Cooperative Corporation assessments that represent the Pro Rata Share and/or
      Cooperative Unit Maintenance Fees (and any associated collection expenses) may
      become First Liens on the property ■ The Cooperative Share Loan is subject to
      the payment of a flip tax and the imposition of the flip tax is permitted 8801.3:
      Loss mitigation for Cooperative Share Loans (09/10/25) This section contains
      requirements related to: ■ Assumptions and workout loan assumptions of Cooperative
      Share Loans ■ Loan modifications of Cooperative Share Loans ■ Short sales of
      Cooperative Share Loans ■ Deeds-in-lieu of foreclosure of Cooperative Share
      Loans ■ Charge-offs of Cooperative Share Loans (a) Assumptions and workout loan
      assumptions of Cooperative Share Loans In the event an assumption or workout
      loan assumption (with or without a release of liability) of a Cooperative Share
      Loan is approved, then, in addition to the approval of the application for transfers
      of ownership requirements listed in Section 8406.2(c) and the approval conditions
      for a workout assumption in Section 9207.1(f), as applicable, the Servicer must:
      ■ Obtain the consent of the Cooperative Corporation, if such consent is required
      by the Proprietary Lease, and obtain a new stock certificate, if applicable
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8801 As of 04/08/26
      Page 8801-8 ■ Ensure the transferee acquires the transferor’s ownership interest
      in the Cooperative Corporation (e.g., evidenced in a stock certificate) and
      either obtains a new Proprietary Lease or assumes the existing Proprietary Lease;
      and ■ If applicable, timely file a UCC-1 Financing Statement naming the transferee
      that became the debtor (b) Loan modifications of Cooperative Share Loans When
      evaluating a Cooperative Share Loan Borrower for a loan modification under a
      Freddie Mac loan modification program, in addition to the modification requirements
      in Chapter 9206 and other loan modification requirements under the Purchase
      Documents, as applicable, the following requirements must be met: ■ The Servicer
      must ensure that the term of the Proprietary Lease must not terminate earlier
      than the maturity date of the proposed modified Cooperative Share Loan. If the
      current term of the Proprietary Lease terminates earlier than the maturity date
      of the proposed Cooperative Share Loan, then the term of the Proprietary Lease
      must be renegotiated to satisfy this requirement ■ For purposes of calculating
      the housing expense-to-income ratio(s), as applicable, the Servicer must make
      reasonable efforts to obtain written documentation verifying the monthly amounts
      of Cooperative Corporation assessments and Cooperative Unit Maintenance Fees
      ■ Consistent with the requirements in Section 9206.3(b), any delinquent Cooperative
      Share Loan expenses that may become First Liens on the property pursuant to
      Section 8801.2(c) may be capitalized, provided that such capitalization is not
      prohibited by applicable law Note: See also Section 8801.1(f) regarding certain
      Servicer warranties required in the event of a loan modification. (c) Short
      sales of Cooperative Share Loans When evaluating a Cooperative Share Loan Borrower
      for a Freddie Mac Standard Short Sale (“short sale”), in addition to the short
      sale requirements in Chapter 9208, the following requirements must be met: ■
      For purposes of calculating the housing expense-to-income ratio, if applicable,
      the Servicer must make reasonable efforts to obtain written documentation verifying
      the monthly amounts of Cooperative Corporation assessments and Cooperative Unit
      Maintenance Fees ■ If the Servicer is considering a Cooperative Share Loan Borrower
      for a short sale, then the Servicer is not delegated to approve the short sale,
      and the file must be sent to Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 8801 As of 04/08/26 Page 8801-9 Freddie Mac. Pursuant to Section 9208.1(b),
      the Servicer must submit a short sale exception review in Resolve® with the
      following additional documentation: ❑ A detailed explanation of the Servicer’s
      recommendation and rationale for its recommendation documented in the comments
      section of Resolve. (Note: The Servicer must identify that the recommendation
      pertains to a Cooperative Share Loan.) ❑ The monthly amounts of Cooperative
      Corporation assessments and Cooperative Unit Maintenance Fees, as well as the
      total amounts of any delinquent Cooperative Share Loan expenses that may become
      First Liens on the property pursuant to Section 8801.2(c) In the event a short
      sale is approved, then, in addition to the requirements listed in Section 9208.3(a),
      the Servicer must: ■ Obtain the consent of the Cooperative Corporation, if such
      consent is required by the Proprietary Lease ■ Ensure the buyer acquires an
      ownership interest in the Cooperative Corporation (e.g., evidenced in a new
      stock certificate) and obtain either the assignment of the Proprietary Lease
      or a new Proprietary Lease ■ If applicable, timely file a termination statement
      for the UCC-1 Financing Statements; and ■ Unless otherwise instructed by Freddie
      Mac, pay, prior to and outside of the transaction, any delinquent Cooperative
      Share Loan expenses that may become First Liens on the property pursuant to
      Section 8801.2(c) (d) Deeds-in-lieu of foreclosure of Cooperative Share Loans
      When evaluating a Cooperative Share Loan Borrower for a Freddie Mac Standard
      Deed-in- Lieu of Foreclosure (“deed-in-lieu of foreclosure”), in addition to
      the deed-in-lieu of foreclosure requirements in Chapter 9209, the following
      requirements must be met: ■ For purposes of calculating the housing expense-to-income
      ratio, if applicable, the Servicer must make reasonable efforts to obtain written
      documentation verifying the monthly amounts of Cooperative Corporation assessments
      and Cooperative Unit Maintenance Fees ■ If the Servicer is considering a Cooperative
      Share Loan Borrower for a deed-in-lieu of foreclosure, then the Servicer is
      not delegated to approve the deed-in-lieu of foreclosure, and the file must
      be sent to Freddie Mac. Pursuant to Section 9209.1, the Servicer must submit
      a deed-in-lieu of foreclosure exception review through Resolve with the following
      additional documentation: Freddie Mac Single-Family Seller/Servicer Guide Chapter
      8801 As of 04/08/26 Page 8801-10 ❑ A detailed explanation of the Servicer’s
      recommendation and rationale for its recommendation documented in the comments
      section of Resolve. (Note: The Servicer must identify that the recommendation
      pertains to a Cooperative Share Loan.) ❑ The monthly amounts of Cooperative
      Corporation assessments and Cooperative Unit Maintenance Fees, as well as the
      total amounts of any delinquent Cooperative Share Loan expenses that may become
      First Liens on the property pursuant to Section 8801.2(c) In the event a deed-in-lieu
      of foreclosure is approved, then, in addition to the requirements listed in
      Section 9209.6, the Servicer must: ■ Obtain the consent of the Cooperative Corporation,
      if such consent is required by the Proprietary Lease, and obtain a new stock
      certificate ■ Ensure an ownership interest in the Cooperative Corporation is
      acquired (e.g., evidenced in a new stock certificate) and obtain either the
      assignment of the Proprietary Lease or a new Proprietary Lease ■ If applicable,
      timely file a termination statement for the UCC-1 Financing Statements; and
      ■ Unless otherwise instructed by Freddie Mac, pay any delinquent Cooperative
      Share Loan expenses that may become First Liens on the property pursuant to
      Section 8801.2(c) (e) Charge-offs of Cooperative Share Loans In the event a
      charge-off of a Cooperative Share Loan is approved, then, in addition to the
      requirements listed in Section 9210.2, the Servicer must, if applicable, timely
      file a termination statement for the UCC-1 Financing Statements. Note: See also
      Section 9210.1(b) regarding when a Servicer must recommend a charge-off of a
      Cooperative Share Loan to Freddie Mac. 8801.4: Delinquency management for Cooperative
      Share Loans (04/08/26) This section contains requirements related to: ■ Preforeclosure
      referral account review ■ Foreclosure of a Cooperative Share Loan Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 8801 As of 04/08/26 Page 8801-11
      ■ Foreclosure attorney fee ■ Post-foreclosure/REO (a) Preforeclosure referral
      account review In addition to the requirements in Section 9301.2(a) regarding
      the preforeclosure referral account review, the Servicer must seek Freddie Mac’s
      approval (Foreclosures@FreddieMac.com) to refer a Cooperative Share Loan to
      foreclosure if: ■ The Servicer becomes aware of or has reason to believe that
      proceeding with foreclosure on the Cooperative Share Loan is not in Freddie
      Mac’s best interest; and/or ■ A charge off would produce a lesser estimated
      loss severity, as opposed to proceeding with foreclosure on the Cooperative
      Share Loan If directed by Freddie Mac, the Servicer must submit a recommendation
      for a charge-off to Freddie Mac in accordance with the requirements in Section
      9210.1(c). (b) Foreclosure of a Cooperative Share Loan When referring a Cooperative
      Share Loan to foreclosure, the Servicer must follow the requirements in Chapter
      9301, as such requirements may be applicable to Cooperative Units. Additionally,
      consistent with the requirements in Section 9501.2, the Servicer must ensure
      that the firm accepting the foreclosure referral meets the Firm Minimum Requirements
      (as that term is described in Section 9501.2), including, but not limited to:
      ■ Having experience in general housing-related issues such as Cooperative Share
      Loans; and ■ No substantial part of the firm’s practice includes matters that
      are adverse to financial institutions, such as Cooperative Corporation foreclosures
      Servicers may submit any foreclosure-related questions or concerns when foreclosing
      on a Cooperative Share Loan to Freddie Mac (Foreclosures@FreddieMac.com). Note:
      See also Section 8801.1(f) regarding certain Servicer warranties required when
      foreclosing on a Cooperative Share Loan. (c) Foreclosure attorney fees Freddie
      Mac will reimburse Servicers for reasonable attorney fees incurred in connection
      with the foreclosure of a Cooperative Share Loan. Servicers must claim reimbursement
      using expense code 014005 (Foreclosure on a Cooperative Share). Refer to Exhibit
      57A, Approved Attorney, Foreclosure, Mediation, Postponement Fees and Title
      Expenses. Freddie Mac Single-Family Seller/Servicer Guide Chapter 8801 As of
      04/08/26 Page 8801-12 See also Section 8801.2(d) regarding reimbursement of
      expenses incurred on a Cooperative Share Loan. Note: In addition to the legal
      services included in the attorney fees for an uncontested foreclosure outlined
      in Section 9701.3(a), any transfer of the Cooperative Shares and Proprietary
      Lease is also considered included. (d) Post-foreclosure/REO Consistent with
      the requirements in Sections 8601.8(a) and 9601.1(c), as applicable, once Freddie
      Mac has acquired a Cooperative Unit in REO, Freddie Mac will pay the Cooperative
      Corporation assessments and Cooperative Unit Maintenance Fees. Additionally,
      pursuant to Section 9603.1(b), for a Cooperative Unit in REO, the Servicer must
      submit to Freddie Mac any information Freddie Mac requests from the Servicer,
      whether from the Mortgage file or, for documents for which a Document Custodian
      maintains physical custody, from the Document Custodian. This includes, but
      is not limited to: ■ The stock certificate, which evidenced the Cooperative
      Share Loan Borrower’s ownership interest in the Cooperative Corporation ■ The
      Cooperative Share Loan Borrower’s Proprietary Lease; and ■ The Recognition Agreement
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8901 As of 09/10/25
      Page 8901-1 Chapter 8901: Servicing Requirements for HeritageOne® Mortgages'
  judgment: false
