source:
  type: guide
  id: fhlmc-8101.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8101.1 — Servicer's
    general responsibilities
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 8101.1 — Servicer's
    general responsibilities.
  coverage_tier: operative
obligations:
- id: fhlmc-8101.1-full
  canonical_id: fhlmc-8101.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 8101.1 — Servicer's
    general responsibilities
  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 8101.1 — Servicer's
      general responsibilities
    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: '8101.1: Servicer’s general responsibilities (09/10/25) This
      section contains information related to: ■ Servicer’s general responsibilities
      ■ The Servicer to perform its obligations and duties at its own expense ■ Servicer
      as independent contractor ■ Servicer agrees to indemnify Freddie Mac (a) Servicer’s
      general responsibilities The Servicer is responsible for acting in the most
      timely, efficient and responsible manner to protect Freddie Mac’s interests.
      Freddie Mac expects the Servicer’s facilities and practices to be sufficient
      to safeguard Freddie Mac’s interests and expects the Servicer to provide proper
      accounting and prompt response to the needs of both Freddie Mac and the Borrower.
      The Servicer agrees that its duties include, but are not limited to, the payment
      or verification of the Borrower’s payment of the following, as applicable: ■
      Property insurance premiums ■ Mortgage insurance premiums ■ Ground rents ■ Property
      taxes ■ Condominium/homeowners association or Cooperative Corporation assessments
      (see Chapter 8801 for special Servicing requirements for Cooperative Share Loans)
      and Condominium Unit maintenance fees or Cooperative Unit Maintenance Fees ■
      Utility assessments ■ Charges, fines and impositions attributable to the property
      or to the Mortgage Freddie Mac Single-Family Seller/Servicer Guide Chapter 8101
      As of 10/08/25 Page 8101-2 The Servicer agrees to represent and defend Freddie
      Mac’s interest in the applicable Mortgage(s) or REO to the same extent it would
      represent and defend its own interest. The Servicer warrants that it will: ■
      Maintain adequate facilities and experienced staff ■ Take all actions necessary
      to ensure that the Mortgages and REO in which Freddie Mac has an interest are
      serviced in accordance with the Purchase Documents, including this Guide as
      amended or supplemented from time to time, any applicable law, any applicable
      FHA/VA/RHS/MI regulation or requirement and any instructions issued by Freddie
      Mac ■ Maintain a business continuity plan in place that meets the requirements
      of Section 1302.3 to ensure its ongoing ability to conduct business operations
      and maintain or restore Freddie Mac Mortgage files and records in the event
      of a disaster or other interruption to business operations and processes In
      the event of a disaster affecting or interrupting the Servicer’s operations,
      the Servicer must notify Freddie Mac within 24 hours of the disaster by calling
      Customer Service at 800- FREDDIE. Note: See Exhibit 52, Federal Disaster Assistance,
      for more information. To assist with Servicing activities, a number of Servicing
      tools are available through Freddie Mac’s website at https://sf.freddiemac.com/working-with-us/servicing/overview.
      These tools are accessible using a secure User ID and password that a Servicer
      may request on the website. Note: See Exhibit 88, Servicing Tools, for a list
      of available Servicing tools. (b) The Servicer to perform its obligations and
      duties at its own expense The Servicer is responsible for performing the obligations
      and duties required under the Servicing Contract at its own expense and without
      cost or charge to Freddie Mac unless expressly provided for otherwise in the
      Servicing Contract. Any costs or expenses incurred by the Servicer may be charged
      or collected from the Borrower only to the extent allowed under the terms of
      the Security Instrument, the Servicing Contract and any applicable law. (c)
      Servicer as independent contractor Under the Purchase Documents, the Servicer
      contracts with Freddie Mac as an independent contractor to service Mortgages
      for Freddie Mac. The Servicer is not Freddie Mac’s agent or assignee. Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 8101 As of 10/08/25 Page 8101-3
      (d) Servicer agrees to indemnify Freddie Mac The Servicer must indemnify Freddie
      Mac for and hold it harmless from any loss, damage or expenses (including court
      costs and attorney fees) that Freddie Mac sustains as a direct or indirect result
      of any failure on the Servicer’s part to perform its services, duties and obligations
      under the Purchase Documents. 8101.2: Servicer’s limited power of attorney,
      execution of documents (09/10/25) This section contains requirements related
      to: ■ Servicer’s limited power of attorney ■ Servicer’s execution of documents
      (a) Servicer’s limited power of attorney The Servicer agrees to accept a limited
      power of attorney from Freddie Mac empowering the Servicer to perform all duties
      of the mortgagee in canceling the Note and Security Instrument upon satisfaction
      of the Borrower’s debt. Freddie Mac may, at its discretion, provide a broader
      power of attorney, which the Servicer agrees to accept. The Servicer must: ■
      Comply with all local recording requirements ■ Assume responsibility for any
      recording fee assessed by the applicable authority ■ Identify to Freddie Mac,
      if requested, all jurisdictions where Freddie Mac’s power of attorney has been
      recorded A sample limited power of attorney available from Freddie Mac, which
      outlines the types of documents a Servicer can execute, endorse and acknowledge
      in Freddie Mac’s name, is available in Exhibit 53, Limited Power of Attorney.
      (b) Servicer’s execution of documents All requests for Freddie Mac execution
      of documents must be submitted to Freddie Mac (see Directory 9). The documents
      that require Freddie Mac execution must be submitted with a Request for Assistance
      Form, which is available at: https://sf.freddiemac.com/docs/pdf/fact-sheet/sats_instructions.pdf.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8101 As of 10/08/25
      Page 8101-4 Freddie Mac will return the executed documents after verifying that
      the requesting Servicer has met all conditions as necessitated by the type of
      action requested and applicable law. Servicers should not submit documents for
      Freddie Mac’s signature that they are authorized to sign under the limited power
      of attorney from Freddie Mac. They may execute the following documents in Freddie
      Mac’s name when the Mortgage has been assigned to Freddie Mac: ■ Release documents
      ■ Assignments of the Security Instrument for initiating foreclosures ■ Certain
      other documents outlined in Exhibit 53 A Servicer may request a limited power
      of attorney in accordance with the requirements of Section 8101.2(a) by contacting
      Freddie Mac (see Directory 9). In addition, under certain circumstances, Freddie
      Mac may require that a Servicer obtain a limited power of attorney from Freddie
      Mac and use it to complete specific transactions according to the requirements
      of Section 8101.2(a).'
  judgment: false
