Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
Freddie Mac Guide §1101.1 (Introduction to the Guide). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Guide 1101.1
This section contains information related to: ■ Guide segments ■ Guide series and topics ■ Guide chapters and sections ■ Numbering format ■ Exhibits, forms, the Glossary and directories The Guide consists of Freddie Mac’s requirements relating to the purchase, sale and Servicing of Mortgages. The Guide’s structure reflects how and when Seller/Servicers interact with Freddie Mac and is organized to aid in locating the provisions related to the Seller/Servicer’s daily workflow. (a) Guide segments The Guide is grouped into three segments: ■ Freddie Mac Seller/Servicer Relationship ■ Selling ■ Servicing The Guide’s design places the provisions applicable to all Seller/Servicers in one central location (Freddie Mac Seller/Servicer Relationship) and then differentiates between those for selling and Servicing. Although the Guide has distinct Selling and Servicing segments, there may be information and/or cross references for Servicers in the Selling segment and for Sellers in the Servicing segment. Additionally, the Guide contains exhibits, forms, the Glossary and directories. (b) Guide series and topics Within each segment, there are three distinct series of topics relating to that segment, totaling nine series. The titles of topics are intended to facilitate navigation and searching capabilities. The series of topics within each segment are described below.
Freddie Mac Guide 1101.1
101-2 Topics within each segment of the Guide Description of series Summary of topics Freddie Mac Seller/Servicer Relationship Series 1000, General Contract Terms Series 1000 covers the contractual relationship between the Seller/Servicer and Freddie Mac. ■ Legal effect of the Guide ■ Freddie Mac policies ■ General Seller/Servicer representation and warranties ■ Electronic transactions ■ Types of Seller purchase contracts Series 2000, Doing Business with Freddie Mac Series 2000 covers Seller/Servicer eligibility and other requirements for doing business with Freddie Mac. ■ Becoming a Freddie Mac Seller/Servicer ■ Establishing third-party relationships (e.g., Document Custodians) ■ Access and use of Freddie Mac Systems ■ Disqualifying or suspending a Freddie Mac Seller/Servicer Series 3000, Risk Management and Remedies Series 3000 covers management of risks related to the purchase and Servicing of Mortgages. ■ Freddie Mac Exclusionary List and FHFA Suspended Counterparty Program ■ Fraud prevention, detection and reporting ■ Mortgage file contents and retention ■ Quality control programs ■ Review of Servicer performance ■ Remedies (including repurchase and termination of Servicing)
Freddie Mac Guide 1101.1
101-3 Selling Series 4000, Mortgage Eligibility Series 4000 covers the eligibility of Mortgages for sale to Freddie Mac. ■ Uniform Instruments ■ General Mortgage eligibility ■ Loan purpose ■ Special Mortgage eligibility requirements ■ Affordable Mortgages and Duty to Serve ■ Special Freddie Mac Mortgage Products ■ Insurance requirements Series 5000, Origination and Underwriting Series 5000 covers underwriting the Borrower and determining the adequacy of the property securing the Mortgage. ■ Determining Borrower eligibility ■ Credit assessment ■ Stable monthly income and asset qualification sources ■ Evaluation of monthly obligations ■ Assets ■ Property eligibility and appraisal requirements ■ Condominium and Cooperative Projects ■ Uniform Closing Dataset Series 6000, Selling and Delivery Series 6000 covers Freddie Mac Mortgage purchase programs and Mortgage delivery requirements. ■ Cash programs ■ Guarantor and MultiLender Swap programs ■ Mortgage delivery instructions ■ Assessment and payment of fees ■ Delivery and custody of Mortgage documents ■ Warehouse financing arrangements Servicing Series 7000, Transfers of Servicing Series 7000 covers the process for facilitating Transfers of Servicing. ■ Transfer of Servicing requirements ■ Reporting to Freddie Mac ■ Document Custody transfer
Freddie Mac Guide 1101.1
101-4 Series 8000, Servicing All Mortgages Series 8000 covers general requirements for Servicing. ■ Day-to-day Servicer responsibilities ■ Investor accounting and remitting ■ Custodial funds management ■ Escrow and insurance ■ Property-related matters ■ Servicer compensation ■ Servicer reports Series 9000, Servicing Default Management Series 9000 covers Servicing Mortgages in default. ■ Ongoing Servicer responsibilities ■ Collection efforts ■ Alternatives to foreclosure ■ Foreclosure ■ Bankruptcy ■ REO ■ Reimbursement of expenses (c) Guide chapters and sections Each topic contains at least one chapter, and each chapter contains at least one section. The titles of chapters and sections are intended to facilitate navigation and searching capabilities. (d) Numbering format The numbering system of the Guide reflects how the provisions are grouped by segment, series and topic. The format is as follows: ■ XXXX.XX – The first digit indicates the series number (For example, Series 6000, Selling and Delivery, or Series 5000, Origination and Underwriting) ■ XXXX.XX – The second digit indicates the topic number, which can have one or many chapters ■ XXXX.XX – The last 2 digits before the decimal point indicate the chapter number ■ XXXX.XX – The 2 digits after the decimal indicates the section number For example, in Section
Freddie Mac Guide 1101.1
101-5 ■ 1101.1 – The first “1” represents that this section is located in Series 1000, General Contract Terms ■ 1101.1 – The second “1” represents that this section is located in the first topic of Series 1000, Topic 1100 – The Guide ■ 1101.1 – The “01” before the decimal point represents that this section is located in the first chapter within Topic 1100, Chapter 1101, The Guide ■ 1101.1 – The “1” after the decimal point represents that this is the first section in Chapter 1101, Section 1101.1, Introduction to the Guide This numbering can help in locating specific content. For example, these are the steps a Seller/Servicer could take if it wants to locate the Guide requirements about reporting fraud and other Suspicious Activity: ■ First, the segment should be identified. This is a requirement that applies to both Sellers and Servicers and is contained within the Freddie Mac Seller/Servicer Relationship Segment. ■ Second, the series should be found. As this is part of risk management, the relevant series is Series 3000, Risk Management and Remedies. ■ Next, the topic needs to be determined. These requirements are contained within topic 3200: Fraud Prevention, Detection and Reporting; Reporting Other Suspicious Activity. ■ Finally, the chapter and section within the topic need to be located. In this case, the chapter title mirrors the topic heading, Chapter 3201: Fraud Prevention, Detection and Reporting; Reporting Other Suspicious Activity. The specific provisions about this subject are contained in Section
Freddie Mac Guide 1101.1
Fraud and other Suspicious Activity reporting requirements. The numerical reference to this provision, then, is Section 3201.2. (e) Exhibits, forms, the Glossary and Directories The Guide also includes the following types of provisions: ■ Exhibits: Exhibits referenced are Freddie Mac exhibits unless otherwise indicated ■ Forms: Forms referenced are Freddie Mac forms unless otherwise indicated ■ Glossary: The Glossary contains definitions of select terms used in the Guide ■ Directories: The directories contain Freddie Mac contact information (i.e., addresses, telephone numbers, fax numbers and e-mail addresses) to be used for specific questions,
Freddie Mac Guide 1101.1
101-6 requests and documentation. Guide references to directories are indicated with a bolded parenthetical (e.g., “(see Directory 5)”).
Freddie Mac Guide 1101.1
Legal effect of the Guide and other Purchase Documents (02/11/26) This section contains requirements related to: ■ Status of the Guide as a contract ■ Reliance upon the advice of counsel ■ Assignments; security interests ■ Freddie Mac and Seller/Servicer notice exchange ■ Severability ■ Defined terms ■ Construction of the Guide ■ Entire agreement ■ Governing law ■ Copyright ■ Headings and design features (a) Status of the Guide as a contract (i) Effect of the Guide and other Purchase Documents The Guide governs the business relationship between a Seller/Servicer and Freddie Mac relating to the sale of Mortgages to, and Servicing of such Mortgages for, Freddie Mac. Each Seller/Servicer must complete and submit an Annual Certification Report (as described in Section 2101.10) that certifies that the Seller/Servicer has access to the Guide and complies with all requirements of the Purchase Documents. In connection with the sale of a Mortgage or pool of Mortgages to Freddie Mac, the Seller/Servicer:
Freddie Mac Guide 1101.1
101-7 ■ Agrees that each transaction is governed by the Guide, the applicable Purchase Contract and all other Purchase Documents, and ■ Makes all appliable representations and warranties to, and agreements and covenants with, Freddie Mac as set forth in the Purchase Documents Regardless of the Servicing option selected upon a sale of Mortgages to Freddie Mac, a Seller/Servicer agrees to service all such Mortgages that the Seller/Servicer has sold to Freddie Mac in accordance with the requirements set forth in the Seller/Servicer’s Purchase Documents. As set forth in Section 7101.1(b) and the applicable Transfer of Servicing agreement, each Transferee Servicer agrees to service all Mortgages related to a Transfer of Servicing in accordance with the requirements set forth in the Transferee Servicer’s Purchase Documents. All of a Seller/Servicer’s obligations to service Mortgages for Freddie Mac constitute, and must be performed pursuant to, the Servicing Contract, and the Servicing obligations assumed pursuant to any contract to sell Mortgages to Freddie Mac are merged into and must be performed pursuant to such Servicing Contract. Upon the Settlement Date of the sale of a Mortgage (or group of Mortgages) to Freddie Mac, or the Effective Date of Transfer of any Transfer of Servicing, the Seller/Servicer or Transferee Servicer agrees that the Servicing Contract and related Servicing Contracts Rights that are the subject of a Concurrent or Subsequent Transfer of Servicing, as well as any proceeds to be paid to the Seller/Servicer as Transferor Servicer for such Transfer of Servicing, are subject to the Lien as defined in Section 1101.2(c). A Seller/Servicer acknowledges that Freddie Mac’s agreement to purchase Mortgages from the Seller/Servicer pursuant to any individual Purchase Contract is based upon the Seller/Servicer’s agreement that the Mortgages purchased will be serviced by such Seller/Servicer pursuant to the Servicing Contract, which Servicing Contract and related Servicing Contract Rights may be assigned to another Servicer pursuant to a Transfer of Servicing, subject to obtaining Freddie Mac’s prior written approval as set forth in Chapter 7101. The following summarizes the legal and accounting treatment of Servicing Contract Rights, including their non-ownership and implications for contract breaches with Freddie Mac: ■ Under no circumstance does a Seller/Servicer retain any legal ownership of the Servicing Contract or any related Servicing Contract Rights ■ Freddie Mac acknowledges that a Seller/Servicer may recognize Servicing Contract Rights as assets on its balance sheet in the form of “mortgage servicing rights” in accordance with generally accepted accounting principles (GAAP); however, such
Freddie Mac Guide 1101.1
101-8 recognition as under GAAP does not confer to a Seller/Servicer any legal ownership interest in any Servicing Contract Rights ■ The Seller/Servicer agrees that any failure to service any Mortgage in accordance with the terms of the Servicing Contract, or any breach of any of the Seller/Servicer’s obligations under any aspect of the Servicing Contract, shall be deemed to constitute a breach of the entire contract and shall entitle Freddie Mac to terminate all or a portion of the Servicing Contract and any related Servicing Contract Rights ■ The termination of a portion of the Servicing Contract shall not alter the unitary, indivisible nature of the Servicing Contract If a Servicer that services Mortgages for Freddie Mac is not also the Seller of the Mortgages to Freddie Mac, the Servicer must agree to service Mortgages for Freddie Mac by separate agreement (e.g., Form 960, Agreement for Concurrent Transfer of Servicing of Single-Family Mortgages, or Electronic Agreement for Subsequent Transfer of Servicing of Single-Family Mortgages (STOS Agreement)), which incorporates the applicable Purchase Documents. In such case, the separate agreement shall be deemed to be one of the “Purchase Documents” that constitute the Servicing Contract. In addition, in certain cases, a Seller and/or Servicer who uses certain Freddie Mac services will, by virtue of the provisions of the Guide, be deemed to have agreed upon certain terms and conditions related to such services and their use. (ii) Amendments to the Guide Freddie Mac may, in its sole discretion, amend or supplement the Guide from time to time. Amendments to the Guide may be a paper Record or an Electronic Record, as those terms are defined in Chapter 1401. The Guide may not be amended orally. Freddie Mac may amend the Guide by: ■ Publishing Bulletins (applicable to all Sellers/Servicers), or ■ Entering into a Purchase Contract or other written or Electronic agreement applicable only to the Seller/Servicer that is a party to the Purchase Contract or agreement Bulletins expressly amend, supplement, revise or terminate specific provisions of the Guide. An amendment, supplement, revision or termination of a provision in the Guide is effective as of the date specified by Freddie Mac in the applicable Bulletin. A Purchase Contract or other written agreement or Electronic agreement amends or supplements specific provisions of the Guide for purposes of such Purchase Contract or other agreement, as applicable. Such amendments or supplements to the Guide are effective as of the date specified in the Purchase Contract or other agreement. Refer to the following Guide provisions for additional information related to amendments to the Guide: