source:
  type: guide
  id: fhlmc-8101.5
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8101.5 — MERS®
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 8101.5 — MERS®.
  coverage_tier: operative
obligations:
- id: fhlmc-8101.5-full
  canonical_id: fhlmc-8101.5-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 8101.5 — MERS®
  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 8101.5 — MERS®
    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: '8101.5: MERS® (09/10/25) This section contains requirements
      related to: ■ Post-purchase MERS® registration ■ MERS System Rules of Membership
      – Rule 14 (“MERS Rule 14”) ■ MERS notices regarding liens or legal actions ■
      System-to-system reconciliation with MERS ■ MERS signing officer ■ Deactivation
      of Mortgages from MERS Freddie Mac Single-Family Seller/Servicer Guide Chapter
      8101 As of 10/08/25 Page 8101-10 (a) Post-purchase MERS registration When registering
      a Mortgage on the MERS System after the Mortgage is sold to Freddie Mac, the
      Servicer must notify MERS that Freddie Mac is the investor and provide MERS
      with the Freddie Mac loan number for the Mortgage. Mortgages secured by Manufactured
      Homes located in certificate of title States may not be registered with MERS.
      Refer to Section 5703.4(f)(iii). (b) MERS System Rules of Membership – Rule
      14 (“MERS Rule 14”) Servicers that are managing “Legal Filings” as described
      in MERS Rule 14 on behalf of Freddie Mac must provide, when applicable, the
      various notifications and information required by MERS Rule 14 to MERS on Freddie
      Mac’s behalf about such “Legal Filings.” (c) MERS notices regarding liens or
      legal actions As the mortgagee of record, MERS, rather than a Servicer, may
      receive notices about liens or legal actions related to Mortgages being serviced
      for Freddie Mac. When these notices provide information that enables MERS to
      identify the applicable Servicer, MERS will forward the notice directly to such
      Servicer. However, MERS may receive some notices that will not include enough
      information to enable MERS to identify either the Mortgage in question or the
      applicable Servicer. In such cases, MERS will electronically notify all MERS
      members about any unidentified notice(s) it has received. Each Servicer that
      services MERS-registered Mortgages for Freddie Mac must establish procedures
      to ensure that it checks (on a daily basis) all electronic messages it receives
      from MERS to determine if the unidentified notice relates to a Mortgage serviced
      for Freddie Mac. If the Servicer is unable to determine if the notice relates
      to a Mortgage serviced for Freddie Mac, the Servicer must request additional
      information from MERS to make such determination. The Servicer must take appropriate
      and timely action based on the notice and advise MERS that the Servicer is Servicing
      the Mortgage so that MERS can promptly update its records. (d) System-to-system
      reconciliation with MERS Seller/Servicers must comply with all MERS-registered
      Mortgage loan data reconciliation requirements set forth in the MERS Governing
      Documents. (e) MERS signing officer A Seller/Servicer must ensure that only
      its duly authorized officers or employees, as appointed by MERS pursuant to
      a MERS corporate resolution, are permitted to act as MERS signing officers.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8101 As of 10/08/25
      Page 8101-11 (f) Deactivation of Mortgages from MERS A Servicer may, in its
      discretion, “deactivate” a Mortgage from the MERS System. Upon deactivation,
      the Servicer must prepare an assignment of the Mortgage from MERS to itself
      in recordable form and, where required by law, record the executed assignment
      in the applicable public land records. MERS will notify Freddie Mac of the deactivation
      of any Mortgage in which Freddie Mac has an interest. Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-1 Chapter 8102:
      Servicers and Servicing Agents 8102.1 Managing Servicing Agents (12/17/25) This
      section contains information related to: ■ Servicer’s and Servicing Agent’s
      rights and responsibilities ■ Requirements for termination and transfer of Subservicing
      Agreement ■ Approval to use Servicing Agents ■ Review of Servicing Agent ■ Oversight
      and surveillance ■ Management experience of Master Servicer ■ Outsourced Vendors
      (a) Servicer’s and Servicing Agent’s rights and responsibilities The Servicer
      must: ■ Service Mortgages purchased by Freddie Mac in accordance with the requirements
      of applicable law and the Purchase Documents ■ Service Government Mortgages
      and Mortgages covered by mortgage insurance in accordance with the Servicing
      requirements of the Purchase Documents and the applicable FHA, VA, RHS or MI
      requirements. To the extent that those requirements may conflict with the Purchase
      Documents, the FHA, VA, RHS or MI requirements, as applicable, will control.
      A Seller that is not also a Servicer must enter into a Concurrent Transfer of
      Servicing to a Transferee Servicer in accordance with the requirements of Chapter
      7101. The Servicer may request approval of a Transfer of Servicing to a Transferee
      Servicer or designate another Servicer as its Servicing Agent. A Servicing Agent
      must be an approved Freddie Mac Servicer and must comply with all Freddie Mac
      Servicing requirements set forth in the Guide and other applicable Purchase
      Documents containing Servicing requirements (e.g., Servicing provisions that
      amend the Guide). A fully executed Form 479A, Single-Family Servicing Agent
      Certification and Agreement, that has been approved and acknowledged by Freddie
      Mac is a Purchase Document. The Master Servicer and the Servicing Agent agree
      and acknowledge that the Freddie Mac Single-Family Seller/Servicer Guide Chapter
      8102 As of 12/17/25 Page 8102-2 Servicing Agent is only authorized to review
      and use Mortgage data (including, but not limited to, reviewing and using data
      through access to any Freddie Mac Servicing Tool available through Freddie Mac
      Gateway®) related to the Mortgages for which the Servicing Agent has been engaged
      to perform the Servicing obligations of the Master Servicer. Notwithstanding
      Freddie Mac’s written approval of a Servicing Agent, in accordance with the
      provisions of this Section 8102.1, and notwithstanding the actual performance
      by the Servicing Agent of all or a portion of the Master Servicer’s Servicing
      responsibilities, Servicing Agent and Master Servicer agree: ■ That they are
      jointly and severally liable to Freddie Mac and shall indemnify, defend and
      hold Freddie Mac harmless from and against any and all loss, damage or expense,
      including court costs and attorney fees arising out of or relating to the Master
      Servicer’s failure to comply with any Servicing requirement in the Guide or
      other applicable Purchase Documents that is a result of, or caused by, the Servicing
      Agent’s failure to comply with any Servicing requirements within the scope of
      its Subservicing Agreement or violation of its representations, warranties,
      covenants and agreements set forth in its executed Form 479A and ■ That Freddie
      Mac may exercise any and all rights and remedies available under the Guide,
      other applicable Purchase Documents and applicable law against either or both
      the Master Servicer and/or the Servicing Agent for any such Servicing violation(s),
      provided that under no circumstances will Freddie Mac be entitled to any duplicative
      recovery. The Master Servicer shall continue to be responsible and liable to
      Freddie Mac for all Servicing requirements and all representations and warranties,
      in accordance with the terms of the Purchase Documents. Each Master Servicer
      and its Servicing Agent agree and fully understand that: ■ The Master Servicer
      must disclose all relevant Purchase Documents containing Servicing requirements
      to its Servicing Agent prior to execution of Form 479A ■ The Master Servicer
      must maintain systems and/or processes to effectively manage and oversee its
      Servicing Agent’s performance under both the Subservicing Agreement and Form
      479A executed by both the Master Servicer and Servicing Agent whereby the Servicing
      Agent, among other things, agreed to service the Mortgages in accordance with
      the Servicing requirements of the Purchase Documents ■ The Servicing Agent’s
      rights under the Subservicing Agreement are subject and subordinate in all respects
      to all rights, powers and prerogatives of Freddie Mac under the Purchase Documents,
      at law and in equity. The Guide and any applicable Purchase Document containing
      Servicing requirements shall supersede any inconsistent requirement or provision
      set forth in the Subservicing Agreement between the Master Servicer and Subservicing
      Agent. Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 As of 12/17/25
      Page 8102-3 The Servicing Agent’s rights under the Subservicing Agreement are
      without recourse to Freddie Mac of any kind whatsoever, such that the Servicing
      Agent’s rights to perform the subservicing functions and to be compensated for
      the same (but not the Servicing Agent’s indemnification rights, if any, against
      the Master Servicer) all pursuant to the Subservicing Agreement, are subject
      to extinguishment at any time. Freddie Mac’s rights, powers and prerogatives
      include, without limitation, Freddie Mac’s right to: ❑ Suspend or terminate
      the Servicing Contract and related Servicing Contract Rights with the Master
      Servicer (in whole or in part, and with or without cause) ❑ Suspend or terminate
      the Master Servicer and/or the Servicing Agent as an approved Freddie Mac Seller/Servicer
      (whether with or without cause); and/or ❑ Terminate and/or transfer the Servicing
      Contract and related Servicing Contract Rights related to any Mortgage without
      regard to any provisions set forth in a Subservicing Agreement purporting to
      restrict Freddie Mac’s rights, including, without limitation, any purported
      rights of first offer, rights of first refusal or other similar rights in favor
      of the Servicing Agent or any other third party with respect to, in whole or
      in part, the contractual rights to service Mortgages subject to a Subservicing
      Agreement for Freddie Mac ■ The Servicing Agent has no right to assume any part
      or the entirety of the Master Servicer’s Servicing Contract with Freddie Mac
      ■ The Servicing Agent has no right to suspend or terminate Freddie Mac’s Servicing
      Contract with the Master Servicer (whether in whole or in part, and with or
      without cause) or the right to suspend or terminate the Master Servicer as an
      approved Freddie Mac Seller/Servicer or Servicer (whether with or without cause)
      ■ The Servicing Agent has no right to enter into a Transfer of Servicing or
      other agreement to transfer any rights or obligations under the Subservicing
      Agreement to a third party ■ The Servicing Agent is not a third-party beneficiary
      of any of the Purchase Documents between Freddie Mac and the Master Servicer
      ■ Freddie Mac is a third-party beneficiary of the Subservicing Agreement with
      respect to the rights of the Master Servicer and the duties and obligations
      owed by the Servicing Agent under the Subservicing Agreement with respect to
      the Mortgages serviced for Freddie Mac ■ The Servicing Agent has no rights,
      title or interest in the Servicing Contract between Freddie Mac and its Master
      Servicer or in any related Servicing Contract Rights ■ The Servicing Agent may
      only make any claims against Freddie Mac, arising out of or relating to its
      Subservicing Agreement or the Mortgages, through the Master Servicer Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-4
      ■ In any legal action or proceeding to defend or enforce Freddie Mac’s rights
      with respect to Servicing the Mortgages under the applicable Purchase Documents
      or Freddie Mac’s rights as a third-party beneficiary of the Subservicing Agreement,
      the prevailing party shall be entitled to recover reasonable attorney fees,
      court costs and expenses ■ The Master Servicer and Servicing Agent’s execution
      of Form 479A and submission of the Annual Certification Report constitutes both
      the Master Servicer’s and its Servicing Agent’s express written consent to permit
      Freddie Mac to have access to, or to have disclosed to Freddie Mac, and to receive
      copies of: ❑ Any and all Mortgage records pertaining to any Mortgage serviced
      by the Master Servicer and subserviced by its Servicing Agent ❑ The Subservicing
      Agreement, and ❑ Any and all other records, document, files, information and
      data maintained or held by the Servicing Agent (or by others on the Servicing
      Agent’s behalf), which Freddie Mac considers necessary or desirable to determine
      or assess the correctness and completeness of the Mortgage records pertaining
      to any Mortgage serviced by the Master Servicer and subserviced by the Servicing
      Agent. Freddie Mac examines the records, documents, files, information and data
      to ensure that the Master Servicer and Servicing Agent are complying with the
      requirements of the Purchase Documents and that nothing in this consent shall
      diminish in any way Freddie Mac’s ownership interest in and right to the Mortgage
      file and all data pertaining to the Mortgage. ■ On or before the 20th day (or
      if such day is not a Business Day, then the next Business Day) of each calendar
      month, the Master Servicer must provide Freddie Mac (see Directory 3) with a
      written report containing: ❑ Any notice of default or event of default under
      the Subservicing Agreement received or sent by the Master Servicer ❑ Any notice
      of an act, event or circumstance indicating that, with the passage of time,
      without cure of such act, event or circumstance, there would be an event of
      default under the Subservicing Agreement received or sent by the Master Servicer,
      and ❑ Such other information or documents that Freddie Mac may request with
      respect to the Subservicing Agreement or the Mortgages, all in form and substance
      acceptable to Freddie Mac, to the extent that such other information or documents
      may be requested of other Servicers or Servicing Agents ■ If the Servicing Agent
      provides notice to the Master Servicer of: ❑ A default or event of default under
      the Subservicing Agreement, or Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 8102 As of 12/17/25 Page 8102-5 ❑ An act, event or circumstance indicating
      that, with the passage of time without cure would become an event of default
      under the Subservicing Agreement, then the Servicing Agent will also provide
      a copy of such notice to Freddie Mac (see Directory 3) The Servicing Agent must
      also provide Freddie Mac (see Directory 3) with a written report from time to
      time upon request from Freddie Mac, containing such other information or documents
      as Freddie Mac may request with respect to the Subservicing Agreement or the
      Mortgages, all in form and substance acceptable to Freddie Mac, to the extent
      that such other information or documents may be requested of other Servicing
      Agents; and ■ Except as expressly required under the Guide or other applicable
      Purchase Document, Freddie Mac has no duty to provide notice to or otherwise
      deal with the Servicing Agent (b) Requirements for termination and transfer
      of Subservicing Agreement (i) Termination or expiration of Subservicing Agreement
      A Master Servicer must notify Freddie Mac (see Directory 3) in the event its
      Subservicing Agreement with an approved Servicing Agent expires or is terminated
      by either party within one Business Day of such an expiration or termination
      by submitting a new Form 479A. When the Form 479A is submitted, the Master Servicer
      must notify Freddie Mac as to whether the Master Servicer will service the designated
      Mortgages or the Master Servicer intends to engage a new Servicing Agent. (ii)
      Suspension or disqualification of the Master Servicer or termination of Servicing
      If Freddie Mac suspends or disqualifies the Master Servicer as an approved Freddie
      Mac Seller/Servicer or terminates the Master Servicer’s Servicing Contract and
      related Servicing Contract Rights, then, notwithstanding any provision in the
      Subservicing Agreement entered into by and between the Master Servicer and an
      approved Servicing Agent with respect to the Servicing of Mortgages for Freddie
      Mac, Servicing Agent agrees that any such Subservicing Agreement shall, without
      notice, demand or other action, immediately terminate and be of no further force
      and effect. Example: Any purported rights of first offer, rights of first refusal
      or other similar rights in favor of the Servicing Agent or any other third party
      with respect to, in whole or in part, the contractual rights to service for
      Freddie Mac the Mortgages shall also immediately terminate upon termination
      of the Subservicing Agreement and be of no further force and effect. Immediately
      following any such event, the Master Servicer and the Servicing Agent shall
      work with Freddie Mac to transfer all Mortgage file documents and Servicing
      records in accordance with Freddie Mac’s instructions and do any and all other
      acts that Freddie Mac, in its sole discretion, deems necessary to facilitate
      a Transfer of Servicing to Freddie Mac Single-Family Seller/Servicer Guide Chapter
      8102 As of 12/17/25 Page 8102-6 another Servicer designated by Freddie Mac.
      In such event, Freddie Mac, at its sole discretion, may contract separately
      with the Servicing Agent for the Servicing of the Mortgages that the Master
      Servicer was previously responsible for Servicing, and the Servicing Agent agrees
      to assume primary responsibility for Servicing such Mortgages in accordance
      with the terms of the Purchase Documents. Notwithstanding any provision to the
      contrary in any Subservicing Agreement, in the event of the suspension, disqualification
      or termination of the Servicing Agent as a Freddie Mac Servicer, then any such
      Subservicing Agreement shall, without notice, demand or other action, immediately
      terminate and be of no further force and effect with respect to Freddie Mac
      Mortgages. Immediately following any such suspension, disqualification or termination,
      the Master Servicer and the Servicing Agent (as may be appropriate) shall execute
      and transfer all such Mortgage file documents and Servicing records and do all
      such acts as the Master Servicer may deem necessary to facilitate a transfer
      back to the Master Servicer or to a new Servicing Agent selected by the Master
      Servicer, provided Freddie Mac’s approval of the new Servicing Agent has been
      obtained in accordance with this Section 8102.1, of all of the Servicing Agent’s
      Servicing obligations with respect to the Mortgages. (iii) Transfer of records,
      document custody requirements and transfers of funds Whenever the performance
      of a Master Servicer’s Servicing obligations with respect to a Mortgage or group
      of Mortgages is to be undertaken by a new Servicing Agent or will be undertaken
      directly by a Master Servicer following the termination or expiration of a Subservicing
      Agreement with its former Servicing Agent, the Master Servicer and the Servicing
      Agent shall comply with the requirements of Section 8102.2. (iv) Master Servicer
      indemnification of Freddie Mac The Master Servicer shall, and hereby agrees
      to, indemnify Freddie Mac from and against any losses, damages, claims or expenses
      (including court costs and reasonable attorney fees) incurred by Freddie Mac
      as a direct or indirect consequence of the Servicing Agent’s bankruptcy, insolvency
      or failure to comply with any of the requirements of the Purchase Documents.
      (c) Approval to use Servicing Agents A Master Servicer may not engage more than
      one Servicing Agent for Freddie Mac Mortgages being serviced under a particular
      Freddie Mac Seller/Servicer number at any one time. A Master Servicer must obtain
      Freddie Mac’s written approval to use a Servicing Agent before the Servicing
      Agent may commence any Servicing activities on behalf of the Master Servicer.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 As of 12/17/25
      Page 8102-7 Example: A Seller/Servicer that intends to engage a Servicing Agent
      to perform all Servicing obligations on behalf of the Seller/Servicer must obtain
      Freddie Mac’s written approval to use that Servicing Agent prior to delivery
      of a Mortgage to Freddie Mac that it intends to be serviced by the Servicing
      Agent. In addition, with respect to a Concurrent or Subsequent Transfer of Servicing,
      a Transferee Servicer that intends to use a Servicing Agent with respect to
      the transferred Servicing Contract and Servicing Contract Rights of the related
      Mortgages must obtain Freddie Mac’s written approval before the Servicing Agent
      commences any Servicing activities on behalf of the Transferee/Master Servicer.
      To request approval, the Master Servicer must submit a Form 479A to Freddie
      Mac (see Directory 3) executed by both the Master Servicer and the Servicing
      Agent. Freddie Mac reserves the right to disallow use or rescind authorization
      of any Servicing Agent that it has determined does not service Mortgages in
      accordance with the Servicing Contract. See Section 1402.5(a)(ii) for additional
      requirements applicable to the subservicing of eMortgages (as defined in Section
      1402.1(b)), including, but not limited to, a Servicing Agent’s use of a Master
      Servicer’s approved eNote Vault System (as defined in Section 1402.1(b)). (Note:
      An eMortgage Servicing Agent may use its own eNote Vault System, provided that
      the eMortgage Servicing Agent is separately approved to service eMortgages for
      Freddie Mac.) Freddie Mac will indicate approval, if appropriate, by sending
      an e-mail with written confirmation of the approval of the submitted Form 479A.
      Freddie Mac’s approval is effective until a new Form 479A is received indicating
      a new Servicing Agent or the Master Servicer as responsible for Servicing the
      Mortgages. Relationships between a Master Servicer and Servicing Agent that
      are dormant for a year (e.g., no Servicing activity is performed by the Servicing
      Agent) will be terminated. Note: See Section 2401.1(f) regarding requirements
      relating to Servicing Agent access to Freddie Mac Servicing Tools. (d) Review
      of Servicing Agent Before submitting the executed Form 479A, the prospective
      Master Servicer must carefully review the proposed Servicing Agent’s procedures,
      methods of operation and minimum security standards, as set forth in Sections
      1401.2(c) and 1401.2(d), for compliance with Freddie Mac’s requirements. By
      submitting a Form 479A and proposing to use a particular Servicing Agent, the
      prospective Master Servicer shall be deemed to represent and warrant to Freddie
      Mac that it has carefully reviewed the Servicing Agent’s procedures, methods
      of operation and minimum security standards for compliance with Freddie Mac’s
      requirements and has determined that the Servicing Agent has demonstrated the
      ability to service Mortgages in accordance with such requirements by having
      satisfactorily serviced for a reasonable period of time an Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-8 existing portfolio
      of Mortgages of the same types as the Mortgages to be serviced for Freddie Mac.
      (e) Oversight and surveillance The Master Servicer must establish an oversight
      and surveillance program to monitor its Servicing Agent’s compliance with the
      Servicing requirements of the Guide and other Purchase Documents applicable
      to the Master Servicer. In establishing an oversight and surveillance program,
      a Master Servicer should consider adopting the best practices set forth in the
      Servicing Agent Oversight and Surveillance Program Best Practices document published
      on https://sf.freddiemac.com/docs/pdf/fact-sheet/master_surveillance.pdf. (f)
      Management experience of the Master Servicer The Master Servicer must employ
      a seasoned Mortgage Servicing executive and experienced Mortgage Servicing staff
      to oversee the activities of the Servicing Agent, taking into consideration
      the volume of subserviced Mortgages and the complexity of the portfolio being
      serviced (e.g., non-performing high-risk Mortgages). When determining the experience
      level, Master Servicers should consider the average years of experience, education,
      qualifications and demonstrated ability of the employee in relation to their
      respective levels of responsibility. (g) Outsourced Vendors Freddie Mac does
      not consider a Servicer’s use of an Outsourced Vendor to constitute the use
      of a Servicing Agent. In addition, the use of an Outsourced Vendor does not
      require Freddie Mac’s approval, unless otherwise provided in the Guide or the
      Servicer’s other Purchase Documents. Without limiting the Servicer’s responsibilities
      under Section 2401.1(e) with respect to Related Third Parties, the Servicer
      must ensure that the Outsourced Vendor has: ■ Systems and software applications
      that function accurately and in compliance with all applicable laws ■ Systems
      security that complies with Chapter 1302, industry standards and all applicable
      privacy and data breach laws ■ A business continuity plan in place, consistent
      with Section 1302.3, to maintain and restore the information within a pre-determined
      time frame for all Mortgages serviced for Freddie Mac in the event of a disaster
      or other interruption of business operations and processes, and ■ Processes
      and procedures to ensure prompt and accurate responses to Borrowers. A Servicer
      that uses an Outsourced Vendor domiciled in, or who provides services to the
      Servicer from, an offshore location (i.e., not in any State) must apply the
      same requirements and ensure the same level of service and compliance that is
      applicable to an Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102
      As of 12/17/25 Page 8102-9 Outsourced Vendor domiciled in and providing services
      to the Servicer from a State. Both the Master Servicer and its Servicing Agent
      must ensure that a Servicing Agent’s Outsourced Vendor complies with the Servicing
      requirements in the Guide and other Purchase Documents. The use of an Outsourced
      Vendor does not relieve the Servicer of any of Servicer’s responsibilities to
      Freddie Mac under the Purchase Documents. The Servicer shall continue to be
      responsible and liable to Freddie Mac for all the actions and omissions of any
      Outsourced Vendor used by the Servicer in accordance with the terms of the Purchase
      Documents. 8102.2: Obligations upon termination or expiration of Subservicing
      Agreement (11/19/25) This section contains information related to: ■ Servicing
      obligations undertaken by new Servicing Agent or by the Master Servicer ■ Mortgages
      modified electronically ■ Denied Form 479A requests ■ Freddie Mac’s rights ■
      Master Servicer and Servicing Agent reviews ■ Servicer to perform the Servicing
      obligations ■ Servicing reporting ■ Transfer of Mortgage and REO files ■ Transfer
      of portfolio records ■ Notices to the Borrower ■ Master Servicer’s or new Servicing
      Agent’s notice to the Borrower ■ Notice requirements Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-10 (a) Servicing
      obligations undertaken by new Servicing Agent or by the Master Servicer Whenever
      the Master Servicer’s Servicing obligations are undertaken by a new Servicing
      Agent (e.g., due to the termination or expiration of the Subservicing Agreement
      with a prior Servicing Agent) or performed directly by the Master Servicer itself,
      the Master Servicer and, if applicable, the new Servicing Agent must complete
      and submit (see Directory 3) the following information to Freddie Mac at least
      30 days before the date the new Servicing Agent commences Servicing of the Mortgages:
      ■ A fully executed Form 479A, Single-Family Servicing Agent Certification and
      Agreement, signed by both the Master Servicer and, if applicable, the new Servicing
      Agent, with a list of the specified Mortgage types and Mortgages with specified
      features included in the subservicing arrangement, including, but not limited
      to, Mortgages in active alternatives to foreclosure and the terms of such alternatives,
      and ■ A list of Mortgages that will be serviced by the new Servicing Agent or
      by the Master Servicer directly (b) Mortgages modified electronically If the
      portfolio being transferred as part of the subservicing arrangement includes
      Mortgages that have been modified electronically or subject to an Electronic
      Payment Deferral Agreement as defined in Chapter 1401, the Servicer that is
      transferring the Mortgage documents and Servicing records must provide the new
      Servicing Agent with the following information: ■ A list of Mortgages with either
      an eModification Agreement or an Electronic Payment Deferral Agreement, and
      ■ The name of the repository holding the eModification Agreement or Electronic
      Payment Deferral Agreement Note: See Section 9205.3 for requirements governing
      the Home Affordable Modification ProgramSM eModification Agreement. Freddie
      Mac will indicate approval, if appropriate, by providing the signed Form 479A
      to the Master Servicer and, if applicable, the new Servicing Agent. (c) Denied
      Form 479A requests Freddie Mac reserves the right to deny a Master Servicer’s
      request to use a new Servicing Agent or to undertake Servicing directly. Freddie
      Mac may provide the Master Servicer written notice of the denial but is not
      obligated to provide a written notice explaining the reason for denial. Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-11
      In the event Freddie Mac denies a Master Servicer’s request to use a new Servicing
      Agent or undertake Servicing directly, the Master Servicer agrees to work with
      Freddie Mac to identify a new Servicing Agent or engage in a Subsequent Transfer
      of Servicing of the Mortgages to a Transferee Servicer in accordance with the
      requirements of Chapter 7101. (d) Freddie Mac’s rights Any unauthorized Servicing
      of Freddie Mac Mortgages by a new Servicing Agent or by the Master Servicer
      constitutes grounds for suspension or disqualification of both the Master Servicer
      and the purported Servicing Agent as Seller/Servicers. In addition, Freddie
      Mac may exercise any of its other rights under the Purchase Documents. Freddie
      Mac may perform a post-transfer review following establishment of the subservicing
      arrangement, which may include onsite visits, to determine whether the Master
      Servicer and Servicing Agent, as applicable, complied with the requirements
      of the Guide and applicable Purchase Documents. (e) Master Servicer and Servicing
      Agent reviews The Master Servicer, the former Servicing Agent and, if applicable,
      the new Servicing Agent must participate with each other to conduct a due diligence
      review on the Mortgages related to the transfer, the transferred Mortgage files,
      Servicing data and records, Custodial Accounts (if applicable), obligations
      under the Purchase Documents and any alternative to foreclosure and provide
      to the Servicer that will perform the Servicing obligations with any missing
      data, documents or other information necessary for that Servicer to perform
      its obligations in accordance with the Guide, applicable Purchase Documents,
      terms of the Mortgage and applicable alternatives to foreclosure. (f) Servicer
      to perform the Servicing obligations The Servicer that will perform the Servicing
      obligations must perform a due diligence review on the Mortgages it will service
      and on any related Custodial Accounts and be aware of any obligations under
      the Purchase Documents and any alternative to foreclosure, whether offered and
      outstanding or currently in place with a Borrower. The Servicer that will be
      performing the Servicing obligations must ensure that its due diligence efforts
      include, but are not limited to, a review of the following information: ■ Reports
      and data that confirm and support information provided to the Servicer ■ Pertinent
      reports prepared by internal or external auditors, including any recently completed
      Freddie Mac audit Upon request, the Master Servicer and any Servicing Agent
      must provide to Freddie Mac the post-transfer review results. (g) Servicing
      reporting Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 As of
      12/17/25 Page 8102-12 Beginning with reports due for the reporting cycle immediately
      following the day the new Servicing Agent or Master Servicer undertakes the
      performance of the Servicing obligations, all Servicing reports, whether required
      to be submitted electronically or by paper copy, must be submitted in the name
      and Seller/Servicer number of the Master Servicer. (h) Transfer of Mortgage
      and REO files No later than 30 days after the new Servicing Agent or Master
      Servicer undertakes the performance of the Servicing obligations, the Servicer
      that was performing the Servicing obligations must deliver to the new Master
      Servicer, or, if applicable, the new Servicing Agent, the following records
      for each Mortgage and REO for which Servicing is transferred: 1. Mortgage file:
      The Mortgage file that the Servicer is required to maintain in accordance with
      Chapter 3302 ■ If the Servicer that was performing the Servicing obligations
      does not have the same form of document and records maintenance (such as photographic,
      photostatic, microfilm, microfiche, electronic imaging, optical disk or laser
      disk storage) as the new Servicer Agent or Master Servicer, then the former
      Servicer must either convert the documents and records to the form of storage
      used by the new Servicer Agent or Master Servicer or generate paper copies of
      all documents and records for the new Servicer Agent or Master Servicer ■ Effective
      for Mortgages with Note Dates on or after July 1, 2013, Servicers may no longer
      make copies of original paper Mortgage file documents for any Mortgage file
      documents (excluding the paper original Mortgage file documents specified in
      Section 3302.1(b), which must always be maintained and stored as paper originals)
      using microfilm or microfiche. Servicers may copy original paper Mortgage file
      documents using scanning systems commonly used in the regular course of business
      at this time and maintain copies of such documents as Portable Document Format
      (PDF), Tagged Image File (TIF) format, Joint Photographic Experts Group (JPEG)
      format or other electronic document formats commonly used in the regular course
      of business at this time. 2. Payment history: The complete history of Mortgage
      payments and, if applicable, Escrow disbursements (including the most recent
      Escrow analysis), with supporting documentation, from the Origination Date of
      the Mortgage 3. Correspondence and reports: Copies of all correspondence with
      and reports to the Borrowers and, as applicable, the FHA, VA, RHS, MIs; Freddie
      Mac and any government authority 4. Notice of transfer: A copy of the notice
      to the Borrowers regarding the change in entity performing the Servicing obligations
      (e.g., change of payment address) Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 8102 As of 12/17/25 Page 8102-13 5. REO history: If REO is being
      serviced, the complete history of receipts, expenditures and management and
      marketing activities (including copies of any filed MI claims) with supporting
      documentation from the date the REO was acquired (i) Transfer of portfolio records
      No later than the date the new Servicing Agent or Master Servicer undertakes
      the performance of the Servicing obligations, the Servicer must deliver to the
      new Servicing Agent or Master Servicer that will perform the Servicing obligations
      the following records for the Mortgages and REO that will be serviced by such
      Servicing Agent or Master Servicer: 1. Service contracts: Copies of tax and
      flood hazard determination service contracts, if applicable 2. Unpaid charges:
      A list of Escrowed charges due and unpaid as of the date the new Servicing Agent
      or Master Servicer undertakes the performance of the Servicing obligations 3.
      Trial balances: Trial balances, as of the close of the last Business Day immediately
      preceding the date on which the performance of Servicing obligations will transition
      to the new Servicing Agent or back to the Master Servicer, showing: ■ Transfers
      of Ownership, payoffs and other Servicing exceptions in process ■ Escrows, Escrow
      advances and prepayments ■ Where applicable, buydown accounts and balances ■
      Delinquencies, foreclosures, bankruptcies and REO 4. Automatic payments: A list
      of Mortgages subject to automatic drafting of monthly payments along with Borrower
      authorization and all necessary information to continue, without interruption,
      electronic payments on the Borrower’s Mortgage, to the extent permitted by applicable
      law 5. Insurance policies: A list of Mortgages showing expiration dates of the
      insurance policies on the Mortgaged Premises, whether or not premiums for these
      policies were Escrowed 6. Other documents: Ledger records and definitions of
      codes used in ledger records, trial balances or any other documents required
      by Freddie Mac to be transferred to the Servicing Agent or Master Servicer that
      is undertaking the performance of the Servicing obligations Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-14 ■ Custodial Accounts
      (if applicable): A copy of the depository institution’s reconciliation, as of
      the close of the bank’s last business day immediately preceding the date on
      which the performance of Servicing obligations will transition to the new Servicing
      Agent or back to the Master Servicer, for each Custodial Account maintained
      in accordance with Chapter 8304 ■ Freddie Mac reports: Copies of all Servicing
      and accounting reports filed with Freddie Mac for the three months immediately
      preceding the date on which the performance of Servicing obligations will transition
      to the new Servicing Agent or back to the Master Servicer (j) Notices to the
      Borrower The Servicer that is ceasing performance of the Servicing obligations
      must provide timely notice to the Borrowers to ensure a smooth transition, avoid
      disruption in Mortgage payments and otherwise comply with applicable laws and
      regulations. The Servicer must provide written notice to each Borrower at least
      15 days before the first payment is due to be received by the Servicer Agent
      or Master Servicer that is undertaking the performance of the Servicing obligations.
      (k) Master Servicer’s or new Servicing Agent’s notice to the Borrower The Master
      Servicer or its new Servicing Agent, whichever is undertaking the performance
      of the Servicing obligations, must provide to each Borrower written confirmation
      of the information in the notice to the Borrowers provided by the Servicer that
      is ceasing performance of the Servicing obligations within 15 days before the
      date the first payment is due to be received by the Master Servicer or its Servicing
      Agent, as applicable. (l) Notice requirements The notice must advise the Borrower
      of the following: 1. The date the new Servicing Agent or Master Servicer undertakes
      the performance of the Servicing obligations 2. The name and address of the
      Servicer undertaking the performance of the Servicing obligations 3. The names
      and telephone numbers of the contact persons or departments where the Borrowers’
      inquiries relating to the transfer should be directed. (If toll-free numbers
      are not available, the letter must indicate that collect calls will be accepted.)
      Such names and telephone numbers must be provided for the party previously performing
      the Servicing obligations as well as the new Servicing Agent or Master Servicer
      undertaking the performance of the Servicing obligations. Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 8102 As of 12/17/25 Page 8102-15 4. The date when
      the party previously performing the Servicing obligation will no longer collect
      the Borrowers’ payments and when the new Servicing Agent or Master Servicer
      undertaking the performance of the Servicing obligations will begin to collect
      them 5. Procedures for maintenance of automatic draft payments, if applicable.
      Every effort must be made to continue, without interruption, electronic payments
      on the Borrower’s Mortgage, to the extent permitted by applicable law. The notice
      may not amend the terms of a Mortgage other than those relating to where to
      send payments. The Master Servicer and any Servicing Agent must ensure that
      their staff and facilities are adequately prepared to process Servicing and
      accounting transactions and to respond to Borrower inquiries during the transfer
      transition period. The Servicing Agent or Master Servicer undertaking the performance
      of the Servicing obligations must assume responsibility for responding to Borrower
      inquiries received after the date of such undertaking. If any Servicing or accounting
      problem cannot be resolved without the involvement of the Servicer that was
      performing the Servicing obligations, the new Servicing Agent or Master Servicer
      undertaking the performance of the Servicing obligations, and not the Borrower,
      should initiate the contact with the prior Servicer. During the transfer transition
      period, the Servicers involved must make reasonable efforts to resolve disputes
      to the Borrowers’ satisfaction when such disputes arise from legitimate Borrower
      misunderstanding of instructions in the notices to the Borrower. Late charges
      must be waived and, if applicable, appropriate adjustments to payment and credit
      records made for misapplied or unapplied payments due to a payment received
      by the Servicer that was performing the Servicing obligation instead of the
      new Servicing Agent or Master Servicer undertaking the performance of the Servicing
      obligations. Within one day of receipt, the Servicer that was performing the
      Servicing obligations must deliver to the Servicing Agent or Master Servicer
      undertaking the performance of the Servicing obligations any funds for, or correspondence
      regarding, any of the Mortgages and REO related to the transfer that are received
      on or after the date the Servicing Agent or Master Servicer undertakes the performance
      of the Servicing obligations. Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 8103 As of 12/17/25 Page 8103-1 Chapter 8103: Servicer Accounting and
      Application of Payments'
  judgment: false
