Freddie Mac Single-Family Seller/Servicer Guide Section 6101.1 — Fixed-rate Cash eligibility

Freddie Mac Single-Family Seller/Servicer Guide Section 6101.1 — Fixed-rate Cash eligibility

6101.1: Fixed-rate Cash eligibility (11/05/25) This section contains requirements related to: ■ Eligible Sellers for fixed-rate Cash ■ Eligible Mortgages under fixed-rate Cash (a) Eligible Sellers for fixed-rate Cash To be eligible to sell Mortgages to Freddie Mac under fixed-rate Cash, the Seller must have entered into Purchase Contracts with Freddie Mac. (i) Margin requirements Freddie Mac may, at its sole discretion, require Sellers to post margin in connection with transactions under this Chapter 6101. In all events, Freddie Mac shall be the sole calculation agent with respect to the required margin amount and whether the margin amount is to be posted or returned. (ii) Margin deficit notification If Freddie Mac provides notice of a margin deficit by 10:00 a.m. Eastern time on any Business Day, the Seller shall transfer any required margin no later than the close of business on such Business Day. If such notice is received after 10:00 a.m. Eastern time on any Business Day or on a day that is not a Business Day, the Seller shall transfer such margin no later than the close of business on the next Business Day. (iii)Establishing a Securities trading account A Seller may establish a trading account with Freddie Mac that allows the Seller to engage in the purchase and sale of UMBS® and Freddie Mac Mortgage Participation Certificates. To request approval to establish such an account, Sellers may e-mail or call the Cash Window at Cashdesk_Traders@FreddieMac.com, or (571) 382-3080. Any securities trading activities are subject to the following requirements: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6101 As of 12/17/25 Page 6101-2 ■ Sellers must comply with the margining terms and credit limits set forth in Exhibit 102, Securities Trading Customer Agreement ■ Freddie Mac will be the calculation agent for purposes of determining any and all amounts payable pursuant to the terms of any margin provisions, and such determinations by Freddie Mac shall be final and binding (b) Eligible Mortgages under fixed-rate Cash (i) Eligible Mortgages under fixed-rate Cash Freddie Mac will purchase fixed-rate Mortgages under fixed-rate Cash. See Exhibit 17S, Available Mortgage Products, for more information regarding eligibility requirements for fixed-rate Mortgages sold under fixed-rate Cash. Mortgages eligible for sale through Cash-Released XChange® under a Mandatory Cash Contract or a Best Efforts Contract can be found on Freddie Mac’s website at https://sf.freddiemac.com/content/_assets/resources/pdf/fact- sheet/available_products.pdf. (ii) Eligible original terms Term requirements for fixed-rate Mortgages sold under fixed-rate Cash are exceptions to Section 4201.3 and are listed in the table below: Term requirements for Mortgages sold under fixed-rate Cash Mortgage type Term requirements 10-year Mortgages 85–120 months from the date that is one month before the first payment Due Date as described in Section 4201.3 15-year Mortgages 121–180 months from the date that is one month before the first payment Due Date as described in Section 4201.3 20-year Mortgages 181–240 months from the date that is one month before the first payment Due Date as described in Section 4201.3 30-year Mortgages 241–360 months from the date that is one month before the first payment Due Date as described in Section 4201.3 Freddie Mac Single-Family Seller/Servicer Guide Chapter 6101 As of 12/17/25 Page 6101-3

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