source:
  type: regulation
  id: fhlmc-8101
  authority: FHLMC Single-Family Seller/Servicer Guide Chapter 8101 — Servicer's General Responsibilities
  description: 'FHLMC Single-Family Guide §8101.1 establishes the foundational

    duties of [LENDER] as Servicer for Freddie Mac-owned mortgages:

    timely/efficient protection of Freddie Mac''s interest; adequate

    facilities + experienced staff; servicing per Purchase Documents

    + applicable law + FHA/VA/RHS/MI regulations; business continuity

    plan per §1302.3; 24-hour disaster notification to Freddie Mac;

    Servicer-at-own-expense rule; independent-contractor (non-agent)

    status; indemnification of Freddie Mac. Fills FHLMC Servicing

    Chapter 8101 gap.

    '
obligations:
- id: fhlmc-8101-full
  canonical_id: fhlmc-8101-full
  section: FHLMC Single-Family Seller/Servicer Guide Chapter 8101
  description: "8101.1: Servicer’s general responsibilities (09/10/25) \n \n■ Servicer’s general responsibilities\
    \ \n \n■ The Servicer to perform its obligations and duties at its own expense \n \n■ Servicer as\
    \ independent contractor \n \n■ Servicer agrees to indemnify Freddie Mac \n \n(a) Servicer’s general\
    \ responsibilities …"
  type: do
  tags:
  - regulator-direct
  - section-complete
  - fhlmc-guide
  primary_source:
    tier: 1
    authority: FHLMC Single-Family Guide §8101.1(a) — Servicer's general responsibilities
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/app/guide/
    snapshot_id: fbba421721d90cb1
    fetched_at: '2026-05-25T14:09:48Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: "8101.1: Servicer’s general responsibilities (09/10/25) \n \n■ Servicer’s general\
      \ responsibilities \n \n■ The Servicer to perform its obligations and duties at its own expense\
      \ \n \n■ Servicer as independent contractor \n \n■ Servicer agrees to indemnify Freddie Mac \n \n\
      (a) Servicer’s general responsibilities \n \nThe Servicer is responsible for acting in the most\
      \ timely, efficient and responsible manner to \nprotect Freddie Mac’s interests. Freddie Mac expects\
      \ the Servicer’s facilities and practices to \nbe sufficient to safeguard Freddie Mac’s interests\
      \ and expects the Servicer to provide proper \naccounting and prompt response to the needs of both\
      \ Freddie Mac and the Borrower. \n \nThe Servicer agrees that its duties include, but are not limited\
      \ to, the payment or verification \nof the Borrower’s payment of the following, as applicable: \n\
      \ \n■ Property insurance premiums \n \n■ Mortgage insurance premiums \n \n■ Ground rents \n \n■\
      \ Property taxes \n \n■ Condominium/homeowners association or Cooperative Corporation assessments\
      \ (see \nChapter 8801 for special Servicing requirements for Cooperative Share Loans) and \nCondominium\
      \ Unit maintenance fees or Cooperative Unit Maintenance Fees \n \n■ Utility assessments \n \n■ Charges,\
      \ fines and impositions attributable to the property or to the Mortgage \n \n\n \nPage 8101-2 \n\
      The Servicer agrees to represent and defend Freddie Mac’s interest in the applicable \nMortgage(s)\
      \ or REO to the same extent it would represent and defend its own interest. \n \nThe Servicer warrants\
      \ that it will: \n \n■ Maintain adequate facilities and experienced staff \n \n■ Take all actions\
      \ necessary to ensure that the Mortgages and REO in which Freddie Mac \nhas an interest are serviced\
      \ in accordance with the Purchase Documents, including this \nGuide as amended or supplemented from\
      \ time to time, any applicable law, any applicable \nFHA/VA/RHS/MI regulation or requirement and\
      \ any instructions issued by Freddie Mac \n \n■ Maintain a business continuity plan in place that\
      \ meets the requirements of Section \n1302.3 to ensure its ongoing ability to conduct business operations\
      \ and maintain or \nrestore Freddie Mac Mortgage files and records in the event of a disaster or\
      \ other \ninterruption to business operations and processes \n \nIn the event of a disaster affecting\
      \ or interrupting the Servicer’s operations, the Servicer must \nnotify Freddie Mac within 24 hours\
      \ of the disaster by calling Customer Service at 800Note: See Exhibit 52, Federal Disaster Assistance,\
      \ for more information. \n \nTo assist with Servicing activities, a number of Servicing tools are\
      \ available through Freddie \nMac’s website at https://sf.freddiemac.com/working-with-us/servicing/overview.\
      \ These \ntools are accessible using a secure User ID and password that a Servicer may request on\
      \ the \n \nNote: See Exhibit 88, Servicing Tools, for a list of available Servicing tools. \n \n\
      (b) The Servicer to perform its obligations and duties at its own expense \n \nThe Servicer is responsible\
      \ for performing the obligations and duties required under the \nServicing Contract at its own expense\
      \ and without cost or charge to Freddie Mac unless \nexpressly provided for otherwise in the Servicing\
      \ Contract. Any costs or expenses incurred \nby the Servicer may be charged or collected from the\
      \ Borrower only to the extent allowed \nunder the terms of the Security Instrument, the Servicing\
      \ Contract and any applicable law. \n \n(c) Servicer as independent contractor \n \nUnder the Purchase\
      \ Documents, the Servicer contracts with Freddie Mac as an independent \ncontractor to service Mortgages\
      \ for Freddie Mac. The Servicer is not Freddie Mac’s agent or \nassignee. \n \n\n \nPage 8101-3\
      \ \n(d) Servicer agrees to indemnify Freddie Mac \n \nThe Servicer must indemnify Freddie Mac for\
      \ and hold it harmless from any loss, damage or \nexpenses (including court costs and attorney fees)\
      \ that Freddie Mac sustains as a direct or \nindirect result of any failure on the Servicer’s part\
      \ to perform its services, duties and \nobligations under the Purchase Documents. \n8101.2: Servicer’s\
      \ limited power of attorney, execution \nof documents (09/10/25) \n \n■ Servicer’s limited power\
      \ of attorney \n \n■ Servicer’s execution of documents \n \n(a) Servicer’s limited power of attorney\
      \ \n \nThe Servicer agrees to accept a limited power of attorney from Freddie Mac empowering the\
      \ \nServicer to perform all duties of the mortgagee in canceling the Note and Security Instrument\
      \ \nupon satisfaction of the Borrower’s debt. Freddie Mac may, at its discretion, provide a \nbroader\
      \ power of attorney, which the Servicer agrees to accept. \n \n \n■ Comply with all local recording\
      \ requirements \n \n■ Assume responsibility for any recording fee assessed by the applicable authority\
      \ \n \n■ Identify to Freddie Mac, if requested, all jurisdictions where Freddie Mac’s power of \n\
      attorney has been recorded \n \nA sample limited power of attorney available from Freddie Mac, which\
      \ outlines the types of \ndocuments a Servicer can execute, endorse and acknowledge in Freddie Mac’s\
      \ name, is \navailable in Exhibit 53, Limited Power of Attorney. \n \n(b) Servicer’s execution of\
      \ documents \n \nAll requests for Freddie Mac execution of documents must be submitted to Freddie\
      \ Mac (see \nDirectory 9). The documents that require Freddie Mac execution must be submitted with\
      \ a \nRequest for Assistance Form, which is available at: \nhttps://sf.freddiemac.com/docs/pdf/fact-sheet/sats_instructions.pdf.\
      \ \n \n\n \nPage 8101-4 \nFreddie Mac will return the executed documents after verifying that the\
      \ requesting Servicer \nhas met all conditions as necessitated by the type of action requested and\
      \ applicable law. \n \nServicers should not submit documents for Freddie Mac’s signature that they\
      \ are authorized \nto sign under the limited power of attorney from Freddie Mac. They may execute\
      \ the \nfollowing documents in Freddie Mac’s name when the Mortgage has been assigned to \n \n■\
      \ Release documents \n \n■ Assignments of the Security Instrument for initiating foreclosures \n\
      \ \n■ Certain other documents outlined in Exhibit 53 \n \nA Servicer may request a limited power\
      \ of attorney in accordance with the requirements of \nSection 8101.2(a) by contacting Freddie Mac\
      \ (see Directory 9). In addition, under certain \ncircumstances, Freddie Mac may require that a\
      \ Servicer obtain a limited power of attorney \nfrom Freddie Mac and use it to complete specific\
      \ transactions according to the requirements \nof Section 8101.2(a)."
    drafter_attestation: 'Verbatim Freddie Mac Guide Section 8101.1 from snapshot fbba421721d90cb1 via
      reading projection (furniture stripped); section-bounded by NNNN.N: headers; substring-verified.'
  judgment: false
