Freddie Mac Single-Family Seller/Servicer Guide Chapter 8104 — Special Servicing

fhlmc-8104

Chapter 8104 of the Freddie Mac Single-Family Seller/Servicer Guide sets Special Servicing requirements: Texas Equity Section 50(a)(6) Mortgages, biweekly payment plans, FHA/VA/RHS/MI requirements, incomplete improvements, properties subject to resale restrictions, and right of first refusal. NOTE: actual title is "Special Servicing".

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: fhlmc-8104
  authority: Freddie Mac Single-Family Seller/Servicer Guide Chapter 8104 — Special Servicing
  description: |
    Chapter 8104 of the Freddie Mac Single-Family Seller/Servicer Guide
    sets Special Servicing requirements: Texas Equity Section 50(a)(6)
    Mortgages, biweekly payment plans, FHA/VA/RHS/MI requirements,
    incomplete improvements, properties subject to resale restrictions,
    and right of first refusal. NOTE: actual title is "Special Servicing".
obligations:
  - id: fhlmc-8104-texas-50a6-borrower-inquiry-procedures
    canonical_id: fhlmc-8104-texas-50a6-borrower-inquiry-procedures
    section: Freddie Mac Guide Section 8104.1(a) — Servicing Texas Equity Section 50(a)(6) Mortgages
    description: |
      [LENDER] must have adequate procedures in place to promptly receive
      and respond to Borrower inquiries, claims of defects and other
      complaints (whether or not the Borrower specifically references
      Article XVI Section 50(a)(6) of the Texas Constitution) received in
      connection with a Texas Equity Section 50(a)(6) Mortgage.
    type: maintain
    audit_question: Can [LENDER] evidence that adequate procedures are in place to promptly receive and respond to Borrower inquiries, claims of defects, and other complaints (whether or not the Borrower references Article XVI Section 50(a)(6)) received in connection with a Texas Equity Section 50(a)(6) Mortgage?
    program_review: Does the program maintain adequate procedures to promptly receive and respond to Borrower inquiries, defect claims, and complaints on Texas 50(a)(6) Mortgages, whether or not the Borrower references Section 50(a)(6)?
    file_review: Review the Texas 50(a)(6) inquiry/complaint procedures and a sample of responses; the compliance person judges whether intake-and-response is adequate and prompt.
    judgment: true
    feeds:
      - fhlmc-8104-texas-50a6-cure-curable-defects
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - texas-equity
      - 50a6
      - borrower-inquiries
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8104.1(a)
      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: The Servicer must have adequate procedures in place to promptly receive and respond to
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8104) at 2026-05-22.
    promoted_at: '2026-05-23T00:43:19+00:00'
    promoted_from: fhlmc-8104-roundb-v1.yaml
  - id: fhlmc-8104-texas-50a6-cure-curable-defects
    canonical_id: fhlmc-8104-texas-50a6-cure-curable-defects
    section: Freddie Mac Guide Section 8104.1(a) — Cure of Texas 50(a)(6) curable defects
    description: |
      [LENDER] must cure all curable defects related to the origination of
      the Mortgage or, for Borrowers in a Trial Period Plan, the terms of
      the Trial Period Plan, in accordance with the provisions of Section
      50(a)(6) of Article XVI of the Texas Constitution within the time
      period specified in Section 50(a)(6).
    type: do
    audit_question: Can [LENDER] evidence that, for every Texas Equity Section 50(a)(6) Mortgage with a curable origination defect (or TPP defect for borrowers in a Trial Period Plan), the defect was cured within the time period specified in Article XVI Section 50(a)(6) of the Texas Constitution?
    program_review: Does the program ensure all curable origination defects (or TPP-term defects for Trial Period Plan borrowers) on Texas 50(a)(6) Mortgages are cured within the Section 50(a)(6) time period?
    file_review: For any identified curable defect, confirm the cure occurred within the Section 50(a)(6) time period.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-defect-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - texas-equity
      - 50a6
      - defect-cure
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8104.1(a)
      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: The Servicer must cure all curable defects related to the origination of the Mortgage or, for
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8104) at 2026-05-22.
    promoted_at: '2026-05-23T00:43:19+00:00'
    promoted_from: fhlmc-8104-roundb-v1.yaml
  - id: fhlmc-8104-fha-va-rhs-mi-compliance
    canonical_id: fhlmc-8104-fha-va-rhs-mi-compliance
    section: Freddie Mac Guide Section 8104.1(c) — FHA, VA, RHS and MI Servicing requirements
    description: |
      [LENDER] must comply with and use its best efforts to obtain
      compliance by the original Borrower and any transferee of the
      Borrower with all requirements of the FHA, VA, RHS or MI for
      Mortgages serviced for Freddie Mac.
    type: do
    audit_question: Can [LENDER] evidence compliance, and best efforts to obtain Borrower (and any transferee) compliance, with all FHA, VA, RHS or MI requirements for every Freddie Mac-serviced Mortgage covered by those programs?
    program_review: Does the program ensure compliance, and best efforts to obtain Borrower/transferee compliance, with all applicable FHA/VA/RHS/MI requirements on Freddie-serviced Mortgages?
    file_review: Sample agency-program loans; review for compliance and the best-efforts evidence. The compliance person judges whether best efforts were exercised.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - fha
      - va
      - rhs
      - mortgage-insurance
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8104.1(c)
      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: The Servicer must comply with and use its best efforts to obtain compliance by the original
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8104) at 2026-05-22.
    promoted_at: '2026-05-23T00:43:19+00:00'
    promoted_from: fhlmc-8104-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:43:20+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-8104-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Chapter 8104 — Special Servicing — 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 Section 8104.1(a) — Servicing Texas Equity Section 50(a)(6) Mortgages

The Servicer must have adequate procedures in place to promptly receive and respond to

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8104.1(a) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 8104.1(a) — Cure of Texas 50(a)(6) curable defects

The Servicer must cure all curable defects related to the origination of the Mortgage or, for

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8104.1(a) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 8104.1(c) — FHA, VA, RHS and MI Servicing requirements

The Servicer must comply with and use its best efforts to obtain compliance by the original

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8104.1(c) · source URL · snapshot 5869ee9e606cd4ae