Freddie Mac Single-Family Seller/Servicer Guide Section 8101.1 — Servicer's general responsibilities

Freddie Mac Single-Family Seller/Servicer Guide Section 8101.1 — Servicer's general responsibilities

8101.1: Servicer’s general responsibilities (09/10/25) This section contains information related to: ■ Servicer’s general responsibilities ■ The Servicer to perform its obligations and duties at its own expense ■ Servicer as independent contractor ■ Servicer agrees to indemnify Freddie Mac (a) Servicer’s general responsibilities The Servicer is responsible for acting in the most timely, efficient and responsible manner to protect Freddie Mac’s interests. Freddie Mac expects the Servicer’s facilities and practices to be sufficient to safeguard Freddie Mac’s interests and expects the Servicer to provide proper accounting and prompt response to the needs of both Freddie Mac and the Borrower. The Servicer agrees that its duties include, but are not limited to, the payment or verification of the Borrower’s payment of the following, as applicable: ■ Property insurance premiums ■ Mortgage insurance premiums ■ Ground rents ■ Property taxes ■ Condominium/homeowners association or Cooperative Corporation assessments (see Chapter 8801 for special Servicing requirements for Cooperative Share Loans) and Condominium Unit maintenance fees or Cooperative Unit Maintenance Fees ■ Utility assessments ■ Charges, fines and impositions attributable to the property or to the Mortgage Freddie Mac Single-Family Seller/Servicer Guide Chapter 8101 As of 10/08/25 Page 8101-2 The Servicer agrees to represent and defend Freddie Mac’s interest in the applicable Mortgage(s) or REO to the same extent it would represent and defend its own interest. The Servicer warrants that it will: ■ Maintain adequate facilities and experienced staff ■ Take all actions necessary to ensure that the Mortgages and REO in which Freddie Mac has an interest are serviced in accordance with the Purchase Documents, including this Guide as amended or supplemented from time to time, any applicable law, any applicable FHA/VA/RHS/MI regulation or requirement and any instructions issued by Freddie Mac ■ Maintain a business continuity plan in place that meets the requirements of Section 1302.3 to ensure its ongoing ability to conduct business operations and maintain or restore Freddie Mac Mortgage files and records in the event of a disaster or other interruption to business operations and processes In the event of a disaster affecting or interrupting the Servicer’s operations, the Servicer must notify Freddie Mac within 24 hours of the disaster by calling Customer Service at 800- FREDDIE. Note: See Exhibit 52, Federal Disaster Assistance, for more information. To assist with Servicing activities, a number of Servicing tools are available through Freddie Mac’s website at https://sf.freddiemac.com/working-with-us/servicing/overview. These tools are accessible using a secure User ID and password that a Servicer may request on the website. Note: See Exhibit 88, Servicing Tools, for a list of available Servicing tools. (b) The Servicer to perform its obligations and duties at its own expense The Servicer is responsible for performing the obligations and duties required under the Servicing Contract at its own expense and without cost or charge to Freddie Mac unless expressly provided for otherwise in the Servicing Contract. Any costs or expenses incurred by the Servicer may be charged or collected from the Borrower only to the extent allowed under the terms of the Security Instrument, the Servicing Contract and any applicable law. (c) Servicer as independent contractor Under the Purchase Documents, the Servicer contracts with Freddie Mac as an independent contractor to service Mortgages for Freddie Mac. The Servicer is not Freddie Mac’s agent or assignee. Freddie Mac Single-Family Seller/Servicer Guide Chapter 8101 As of 10/08/25 Page 8101-3 (d) Servicer agrees to indemnify Freddie Mac The Servicer must indemnify Freddie Mac for and hold it harmless from any loss, damage or expenses (including court costs and attorney fees) that Freddie Mac sustains as a direct or indirect result of any failure on the Servicer’s part to perform its services, duties and obligations under the Purchase Documents. 8101.2: Servicer’s limited power of attorney, execution of documents (09/10/25) This section contains requirements related to: ■ Servicer’s limited power of attorney ■ Servicer’s execution of documents (a) Servicer’s limited power of attorney The Servicer agrees to accept a limited power of attorney from Freddie Mac empowering the Servicer to perform all duties of the mortgagee in canceling the Note and Security Instrument upon satisfaction of the Borrower’s debt. Freddie Mac may, at its discretion, provide a broader power of attorney, which the Servicer agrees to accept. The Servicer must: ■ Comply with all local recording requirements ■ Assume responsibility for any recording fee assessed by the applicable authority ■ Identify to Freddie Mac, if requested, all jurisdictions where Freddie Mac’s power of attorney has been recorded A sample limited power of attorney available from Freddie Mac, which outlines the types of documents a Servicer can execute, endorse and acknowledge in Freddie Mac’s name, is available in Exhibit 53, Limited Power of Attorney. (b) Servicer’s execution of documents All requests for Freddie Mac execution of documents must be submitted to Freddie Mac (see Directory 9). The documents that require Freddie Mac execution must be submitted with a Request for Assistance Form, which is available at: https://sf.freddiemac.com/docs/pdf/fact-sheet/sats_instructions.pdf. Freddie Mac Single-Family Seller/Servicer Guide Chapter 8101 As of 10/08/25 Page 8101-4 Freddie Mac will return the executed documents after verifying that the requesting Servicer has met all conditions as necessitated by the type of action requested and applicable law. Servicers should not submit documents for Freddie Mac’s signature that they are authorized to sign under the limited power of attorney from Freddie Mac. They may execute the following documents in Freddie Mac’s name when the Mortgage has been assigned to Freddie Mac: ■ Release documents ■ Assignments of the Security Instrument for initiating foreclosures ■ Certain other documents outlined in Exhibit 53 A Servicer may request a limited power of attorney in accordance with the requirements of Section 8101.2(a) by contacting Freddie Mac (see Directory 9). In addition, under certain circumstances, Freddie Mac may require that a Servicer obtain a limited power of attorney from Freddie Mac and use it to complete specific transactions according to the requirements of Section 8101.2(a).

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