Freddie Mac Form 105 - Multipurpose Loan Servicing Transmittal Page 2
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1
2Instructions for Form 105, Multipurpose Loan Servicing Transmittal
Attach any necessary documentation or information to this form
PARTS A & B
Fill in the appropriate Servicer and Mortgage information. If there are more than two Borrowers, write the remaining Borrowers’
names under PART E, Explanation.
PART C
REASON FOR TRANSMITTAL
Please mark the box(es) that indicate the reason(s) for the transmittal. If the reason(s) for the transmittal is (are) not listed, please
check the 'other' box and write in the reason.
If you are sending this transmittal because a proposal has been made to cramdown principal or interest or to re-amortize the
monthly payment, you must complete the cramdown section within the bankruptcy box and attach a typed copy of the cramdown
proposal.
If you are sending this transmittal because a property was redeemed, please indicate the amount paid to redeem the property.
Itemize the amount indicating the principal, interest, expense amounts, and other amounts that were received.
PART D
INDEBTEDNESS
This part must be completed if the reason for the transmittal is anything other than a reinstatement, request for expense over the
allowable limit, bankruptcy, or change in the redemption expiration or confirmation date. The indebtedness section should include
all money owed by the Borrower to satisfy the Mortgage debt, and expenses that were incurred. The section is to be completed as
follows:
Unpaid principal balance
The total unpaid principal balance due on the Mortgage.
Accrued interest
The total interest that has accrued from the Due Date of the Last Paid Installment to the date the
form is completed.
Foreclosure Fees/Costs
The total amount of foreclosure fees/costs that have accrued to the date the form is completed.
Bankruptcy Fees/Costs
The total amount of bankruptcy fees/costs that have accrued to the date the form is completed.
Appraisal/BPO
Amount paid for appraisals or BPOs that were ordered, up to the allowable maximum (Exhibit 57),
unless we granted an approval to incur expenses over the allowable limits.
Real Estate Taxes
Amount advanced by the Servicer for real estate taxes.
Property Insurance
Amount advanced by the Servicer for property insurance, including hazard, flood and earthquake.
Mortgage Insurance
Amount advanced by the Servicer for a mortgage insurance premium.
Junior Liens
If applicable, the amount paid by the Servicer to satisfy junior liens. Must have prior Freddie Mac
approval before paying off any junior liens.
Water/Sewer
Amount advanced by the Servicer for water and sewer bills.
Preservation costs
Amount advanced by the Servicer to preserve the property. These costs must be approved by
Freddie Mac if they exceed the allowable limits set forth in the Guide. (Do not include fees for
property inspections because these fees are not reimbursable.)
Other
Any other costs that have been incurred that should be included in the Borrower's total
indebtedness. Please explain what the costs are and indicate the amounts. Examples are HOA and
Condominium Association Fees.
Positive Escrow
Indicate the amount of money in escrow at the beginning of the delinquency. This amount should be
subtracted from the total indebtedness.
The pending unpaid expenses include any expenses or costs that have not been paid, but you are aware are outstanding or will be
due in the future. Please indicate the type of expense, the due date, and the amount. If a definite amount is not known, please
provide an estimate. Examples are unpaid water bills and upcoming real estate tax bills.
PART E
EXPLANATION/RECOMMENDATION
Please detail any pertinent information that is not already included on the form.
PART F
FREDDIE MAC’S REPLY
If it is necessary for us to reply to your request, we will fill out this part of the form and the Freddie Mac representative who handles
your case will print his or her name and telephone number in this section so that you have a contact.
Freddie Mac Single-Family Seller/Servicer Guide
Bulletin 2014-9
05/15/14
Page F105-2
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