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Online Submission of Servicing Expense Reimbursement ClaimsFreddie Mac's Online 104SF/DC System

With the Online Reimbursement System (Freddie Mac's Online 104SF/DC System), you have the ease of using an electronic Form 104SF, Statement of Loan, Workout, and REO Expenses and Income, and an electronic Form 104DC, Designated Counsel/Trustee, to obtain reimbursement for expenses related to default management.

Effective March 1, 2009, most default management expenses must be submitted through our Online Reimbursement System. Our December 18, 2008 Single-Family Seller/Servicer Guide Bulletin provides complete details about this requirement. If you are not a current user of the Online Reimbursement System, you must complete and submit the Online Reimbursement System Sign Up Form.

Key Features

  • The Online Reimbursement System has built-in edits, calculations and reminders to reduce errors
  • You are able to process credit transactions through the system when income reported exceeds expenses
  • You can generate key reports to help you track your default management expenses
  • No supporting documentation is required to be submitted with your reimbursement request unless we request it

Servicer Benefits

When you utilize our Online Form 104SF, you'll

  • Eliminate mailing costs and reduce mailing delays
  • Reduce time and cost associated with copying payment histories, invoices and other documentation
  • Find that built-in reminders, edits and automatic calculations reduce errors, thereby freeing up personnel and cutting paperwork
  • Recover out-of-pocket expenses more quickly

Manage Your Expenses With Online Reports

To help you manage your expense reimbursement activities, the Online Reimbursement System gives you the ability to generate the following reports:

  • Productivity Report – displays information about online reimbursement requests that you have already submitted
  • Over Approved Limit Report – information about online reimbursement requests with amounts that exceed our approved expense limits
  • Claims in Process Report – identifies all expense reimbursement requests that you have entered and saved in an online 104SF, but have not yet submitted to us
  • Daily Log Report – displays expense reimbursement requests submitted on the date you select

When NOT to Use the Online Reimbursement System

You must continue to use the paper Form 104SF and/or paper Form 104DC for the following types of expense reimbursement activities

  • Expense reimbursement requests for FHA, VA and RHS guaranteed mortgages
  • Resubmissions to resolve discrepancies for expense reimbursement requests previously submitted
  • Expense reimbursement requests for mortgages secured by properties sold to a third-party for less than total debt

For More Information

© 2009 Freddie Mac

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