source:
  type: regulation
  id: fhlmc-3501.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §3501.1 — Freddie Mac Servicer Success File Reviews
    (11/19/25)
  description: "Freddie Mac Guide §3501.1 (Freddie Mac Servicer Success File Reviews). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-3501.1-0
  canonical_id: fhlmc-3501.1-0
  section: Freddie Mac Guide 3501.1
  description: '3501.1 Freddie Mac Servicer Success File Reviews: (11/19/25) This section contains requirements
    related to: ■ Types of File Reviews ■ File Review requests ■ Review conclusions and appeal As part of the Servicing
    Success Program, as described at https://sf.freddiemac.com/content/_assets/resources/pdf/step-by-step- guides/serv_suc…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §3501.1 — Freddie Mac Servicer Success File Reviews
      (11/19/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '(11/19/25) This section contains requirements related to: ■ Types of File Reviews ■ File Review
      requests ■ Review conclusions and appeal As part of the Servicing Success Program, as described at https://sf.freddiemac.com/content/_assets/resources/pdf/step-by-step-
      guides/serv_success_prog.pdf, Freddie Mac will be conducting reviews of delinquent Mortgage files from time
      to time as discussed below. These file reviews (“Servicer Success File Reviews” or “File Reviews”) are in
      addition to any audit of Mortgage files specified in Section 8101.4(c). (a) Types of File Reviews Freddie
      Mac will notify a Servicer in writing that certain Mortgages have been selected for a Servicer Success File
      Review. Freddie Mac may conduct the following types of File Reviews: ■ Prudent Servicing Review: An assessment
      of the Servicer’s collection activities, loss mitigation activities, timeline management and property preservation
      processes ■ Short Sale Compliance Review: An assessment of the Servicer’s compliance with the requirements
      of the Guide and other Purchase Documents, as applicable, regarding completed short sales ■ Loan Modification
      Compliance Review: An assessment of the Servicer’s compliance with the requirements of the Guide and other
      Purchase Documents, as applicable, regarding completed modifications Freddie Mac may modify or expand the
      types of File Reviews from time to time. (b) File Review requests Freddie Mac will notify a Servicer in writing
      that certain Mortgages have been selected for a File Review.'
    drafter_attestation: Verbatim from Freddie Guide §3501.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-3501.1-1
  canonical_id: fhlmc-3501.1-1
  section: Freddie Mac Guide 3501.1
  description: '3501.1 Freddie Mac Servicer Success File Reviews: 501-2 Servicers must comply with the instructions
    and any requirements set forth in a File Review request from Freddie Mac, which will: ■ Include the Freddie
    Mac loan numbers associated with the Mortgage files being requested, ■ Specify the documentation that must be
    included wit…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §3501.1 — Freddie Mac Servicer Success File Reviews
      (11/19/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '501-2 Servicers must comply with the instructions and any requirements set forth in a File
      Review request from Freddie Mac, which will: ■ Include the Freddie Mac loan numbers associated with the Mortgage
      files being requested, ■ Specify the documentation that must be included with each type of file (e.g., short
      sale under Chapter 9204 or modification under Chapter 9204 or 9205), ■ Provide detailed instructions on the
      manner in which the documents are to be submitted to Freddie Mac, and ■ State that Freddie Mac must receive
      the requested file documentation within 30 calendar days from the date of the letter requesting the documentation
      or such other time frame Freddie Mac specifies in the request All documentation sent to Freddie Mac may be
      used in the File Review, even if the Servicer includes documentation that is not required. Freddie Mac may
      request additional Mortgage files and/or additional documents during the File Review. The Servicer must submit
      the requested documentation in the manner specified by Freddie Mac, or Freddie Mac may refuse to accept the
      documentation. A Servicer’s failure to submit requested documentation will be considered a violation of the
      Purchase Documents, and Freddie Mac will pursue all rights and remedies available under the Purchase Documents
      and applicable law. Additionally, failure to submit the documentation is considered a file defect and may
      be considered in determining a Servicer’s overall performance in accordance with Section 3501.2. (c) Review
      conclusions and appeal Upon completion of the File Review, Freddie Mac will provide its conclusions, including
      any defects, in writing to the Servicer. Servicers may provide Freddie Mac with a response or appeal to the
      findings noted in Freddie Mac’s conclusions up to 15 Business Days after the date of Freddie Mac’s written
      conclusions. If an identified defect was the result of a missing or incorrect document, that document may
      be submitted with the Servicer’s appeal to support clearing the defect. If the Servicer failed to submit any
      documents in response to Freddie Mac’s initial File Review request on a Mortgage, and the overall result is
      “Fail – Missing Docs,” the Servicer may not appeal the defect for that Mortgage. Freddie Mac’s decision on
      the File Review shall be deemed conclusive and may be considered as a factor in determining a Servicer’s overall
      performance in accordance with Section 3501.2. Freddie Mac, in its sole and absolute discretion, may choose
      to rely on such'
    drafter_attestation: Verbatim from Freddie Guide §3501.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-3501.1-2
  canonical_id: fhlmc-3501.1-2
  section: Freddie Mac Guide 3501.1
  description: '3501.1 Freddie Mac Servicer Success File Reviews: 501-3 conclusions or upon any other available
    information in determining whether to pursue any other right or remedy available to Freddie Mac under the Purchase
    Documents or applicable law. Note: File Reviews are not a substitute for the Servicer’s own internal quality
    control fo…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §3501.1 — Freddie Mac Servicer Success File Reviews
      (11/19/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '501-3 conclusions or upon any other available information in determining whether to pursue
      any other right or remedy available to Freddie Mac under the Purchase Documents or applicable law. Note: File
      Reviews are not a substitute for the Servicer’s own internal quality control for default management activities.'
    drafter_attestation: Verbatim from Freddie Guide §3501.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
