Freddie Mac Single-Family Seller/Servicer Guide 9201 — Freddie Mac Loss Mitigation
Chapter 9201 of the Freddie Mac Single-Family Seller/Servicer Guide establishes the rationale for loss mitigation, Freddie Mac's loss mitigation evaluation hierarchy, Servicer responsibilities for loss mitigation activities, and performance standards. NOTE: actual title is "Freddie Mac Loss Mitigation Evaluation Hierarchy and Performance Standards", not "Forbearance".
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 9201 — Freddie Mac Loss Mitigation — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Guide Section 9201.2(a) — Loss mitigation evaluation hierarchy
If a Borrower contacts the Servicer for loss mitigation assistance, the Servicer must first determine if the Borrower can bring the loan current through reinstatement.
Freddie Mac Guide Section 9201.2(a) — Hardship determination
1. The Servicer must first determine if the Borrower has a temporary or permanent hardship ■ Temporary hardship: exists if the Borrower is experiencing or has experienced a temporary hardship from a short-term decrease in income or increase in expenses ■ Permanent hardship: exists if the Borrower is experiencing a hardship that results in a permanent or long-term decrease in income or increase in expenses 2.
Freddie Mac Guide Section 9201.3 — Servicer's responsibilities for loss mitigation activities
The Servicer’s loss mitigation activities must include:
Freddie Mac Single-Family Seller/Servicer Guide 9201 — Freddie Mac Loss Mitigation
Evaluation Hierarchy and Performance Standards
Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 9201 — Freddie Mac Loss Mitigation
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Source of record: https://claudeforcompliance.com/regs/fhlmc-9201/
· register fhlmc-9201 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.