With Single-Family Seller/Servicer Guide Bulletin 2011-9 (Servicing), Freddie Mac is making changes to their Servicing requirements, including: Eliminating the requirement that the standard mortgage clause in property insurance policies provide for notice to the mortgagee of any reduction in coverage Requiring that all Servicers use the District of Columbia and West Virginia designated counsel for all foreclosure and bankruptcy referrals on Mortgages secured by 2- to 4-unit properties and Manufactured Homes located in those States.