Freddie Mac Single-Family Seller/Servicer Guide 8201 — Escrow
Chapter 8201 of the Freddie Mac Single-Family Seller/Servicer Guide governs escrow account management for property taxes, ground rents, assessments and other charges, annual escrow analysis, waiver of escrow accounts, non-payment of escrow charges, and interest on escrow accounts. NOTE: actual title is "Escrow".
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 8201 — Escrow — 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 8201.1 — Escrow account management
The Servicer must obtain bills for and pay all Escrow items in accordance with the terms of the Mortgage before the applicable penalty or termination date. The Servicer must maintain adequate records to prove payment of all property taxes, ground rents and assessments or other charges that, if delinquent, are or may become First Liens on the property or that if not paid would result in the subordination of Freddie Mac’s interests, as applicable. Note: See Section 9301.6(e) regarding expenses that may become First Liens on the property. If the Borrower requests, the Servicer may also collect and administer funds to pay expenses not provided for in the Mortgage, such as life insurance on the Borrower.
Freddie Mac Guide Section 8201.1(a) — Annual Escrow analysis
At least annually, the Servicer must compute the required Escrow payment based on reasonable estimates of assessments and bills to determine that sufficient funds are being collected to meet all Escrow payments.
Freddie Mac Guide Section 8201.1(b) — Waiver of Escrow accounts
The Servicer must have a written policy governing the circumstances under which Escrow accounts may be waived. When a Servicer permits Escrow waivers, subject to the Mortgage Purchase Documents and applicable law, the Servicer’s written policies must provide that the waiver not be based solely on the loan-to-value ratio of the Mortgage but also on whether the Borrower has the financial ability to handle the lump sum payments of property taxes, property insurance premiums and other charges described in the Security Instrument. The Servicer may, by written notification to the Borrower and without Freddie Mac’s approval, start collecting Escrow previously waived. Any Escrow account waiver must be in writing and grant the Servicer the right to resume collection of Escrow if there is any nonpayment of the items for which Escrow had previously been collected.
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