Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises

fhlmc-8401

FHLMC Single-Family Guide §8401.1 governs Servicer-side handling of partial release / easement / land-acquisition requests for the Mortgaged Premises: appraisal-with-interior-exterior-inspection requirement (Topic 5600); current-payment + continuing-capacity Borrower precondition; required written approvals from FHA/VA/ RHS/MI + all superior lienholders; 12-month-since-origination minimum seasoning; tax-authority notification on release; First Lien + title insurance integrity preservation. Fills FHLMC Servicing Chapter 8401 gap.

This register: .xlsx .csv

Verbatim regulatory text (6)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises — 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.

FHLMC Single-Family Guide §8401.1(a)(i) — Appraisal with interior+exterior inspection for partial release / easement requests

the Servicer must obtain an appraisal report with an interior and exterior inspection that meets the requirements of Topic 5600 when considering such requests in order to determine the value of the Mortgaged Premises immediately before the release and the estimated value after the release.

Source: FHLMC Single-Family Guide §8401.1(a)(i) — Processing requests for partial releases and granting of easements · source URL · snapshot 4c94f67729042dd6

FHLMC Single-Family Guide §8401.1(a)(i) — Written approval from FHA/VA/RHS/MI + all superior lienholders for partial release/easement

The Servicer has received written approval of the FHA, VA, RHS or MI and all superior lienholders, if applicable

Source: FHLMC Single-Family Guide §8401.1(a)(i) — Processing requests for partial releases · source URL · snapshot 4c94f67729042dd6

FHLMC Single-Family Guide §8401.1(a)(i) — 12-month-since-origination minimum seasoning for partial release/easement

At least 12 months have passed since the Origination Date

Source: FHLMC Single-Family Guide §8401.1(a)(i) — Processing requests for partial releases · source URL · snapshot 4c94f67729042dd6

FHLMC Single-Family Guide §8401.1(a)(i) — Notify tax authorities upon partial release for assessment adjustment

Effective 2025-07-09 · Freddie Mac's stamp for this section

Upon release, the Servicer must ensure that all applicable tax authorities are notified for adjustment of applicable assessments. The Servicer is responsible for ensuring that the title of the Mortgaged Premises after the partial release remains a valid First Lien as required in Section 4201.2 and the title insurance meets the requirements of Chapter 4702 after the partial release or easement has been granted. If any of the above conditions are not met, the Servicer must complete and submit Form 715, Borrower Application for Partial Release or Easement, to Freddie Mac via e-mail at Distressed_Property@FreddieMac.com or fax at (571) 382-4933.

Source: Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises · source URL · snapshot 4c94f67729042dd6

FHLMC Single-Family Guide §8401.1(a)(i) — Preserve valid First Lien position post-release

Effective 2025-07-09 · Freddie Mac's stamp for this section

The Servicer is responsible for ensuring that the title of the Mortgaged Premises after the partial release remains a valid First Lien as required in Section 4201.2 and the title insurance meets the requirements of Chapter 4702 after the partial release or easement has been granted. If any of the above conditions are not met, the Servicer must complete and submit Form 715, Borrower Application for Partial Release or Easement, to Freddie Mac via e-mail at Distressed_Property@FreddieMac.com or fax at (571) 382-4933. (ii) Additional requirements for easements In addition to the requirements noted in Section 8401.1(a)(i), the Servicer must ensure that any special requirements for the granting of an easement as specified in the Security Instrument are met.

Source: Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises · source URL · snapshot 4c94f67729042dd6

Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises — PENDING VERSION, takes effect 2027-09-27

Not yet in force. This is the pending version of the section, which takes effect 2027-09-27. The other version on this page governs until then.

Changes Affecting the Mortgaged Premises (Future effective date 09/27/27)

Source: Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises · source URL · snapshot 4c94f67729042dd6

Get this regulation in your AI window

Bulletins replace Guide sections, and the old text stays widely quoted. An assistant will answer from a version a later Bulletin already retired.Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Get notified if this rule changes

One email when Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/fhlmc-8401/ · register fhlmc-8401 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.