Expense Category Details

The Expense Category Details page can be accessed by selecting a hyperlinked expense category code on the Expense Categories Tab.  This page is read-only (non-editable) allowing both Servicers and MI Companies to view information around an existing expense category. 

Click here for a detailed description of each data field on the Expense Category Details page.

Expense Category Details Data Fields

The table below provides a brief description of each data field found on the Expense Category Details page.

Fields display dashes (--) if there is no data associated with the particular expense category.

	Data Field:	Field Type:	Description:
		Button	Select the Back  button to return to the Expense Management page:
1.	MI Company Name	Alpha	The name of the mortgage insurance company from which the private mortgage insurance coverage was obtained.
2.	Product	Text	Indicates the product type.  Note: Currently, the only product type that displays in this field is Primary.
3.	Decision By	Text	The name or ID of the user that approved the expense category in the Total MI Claims tool.
4.	Decision Date	Date (mm/dd/yyyy)	The date the expense category was approved in the Total MI Claims tool.
5.	Category Code	Numeric	The two-digit corresponding code for the expense category.
6.	Expense Category	Text	Specifies the broad category into which individual expense claim types may be grouped.  Values that may display include:  Applicable values include:   Expense Category: Description: Attorney Fees Examples include, but are not limited to: Trustee/Attorney Fees and Non-Judicial Foreclosure Trustee Fees. Escrow Account Balance Examples include, but are not limited to: Escrow Refund and Escrow at Default. Hazard Insurance Premiums Examples include, but are not limited to: Hazard Insurance and Forced Placed Hazard Insurance. Insurance Proceeds Examples include, but are not limited to: Hazard Insurance Proceeds and MI Proceeds. Net Rental Proceeds Examples include, but are not limited to: Leasing Fee and Rental Income. Pledged Savings, Buydowns, or Other Funds held for the Insured Examples include, but are not limited to: Redemptions and Referral Fees. Property Preservation Examples include, but are not limited to: Sewer and Water Bills. Property Taxes Examples include, but are not limited to: County Taxes and Tax Proration Charges. Statutory Disbursements Examples include, but are not limited to: Bankruptcy Court Filing Fees, Foreclosure Court Filing Fees and Recording Fees.
7.	Guide Effective Date	Date (mm/dd/yyyy)	The effective date for the expense category as outlined in the Seller Servicer Guide.
8.	Cap Type	Text	Displays whether the cap type applied to an expense category is based on dollar amount, percentage, or is not applicable.
9.	Cap	Currency or Percentage	Indicates whether there is a cap (dollar amount or percentage) on the amount to be paid for a specific expense type.  Refer to Guide Section 9701 for more information.
10.	Cap Criteria	Text	Identifies whether the cap type should be applied to either the expense total amount, unpaid principal balance (UPB), interest, or UPB + interest.
11.	Expense Category Description	Text	Provides a brief definition of the paid services associated with the expense category.
12.	Justification	Text	Provides the reason why an expense category was required and approved.

This information is not a replacement or substitute for the requirements in the Freddie Mac Single-Family Seller/Servicer Guide or any other contractual agreements. This information does not constitute an agreement between Freddie Mac and any other party. © 2025 Freddie Mac.

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