Freddie Mac Single-Family Seller/Servicer Guide Chapter 9205 — Home Affordable Modification Program (HAMP)

fhlmc-9205

Chapter 9205 of the Freddie Mac Single-Family Seller/Servicer Guide governs Servicing requirements for legacy HAMP-modified Mortgages: Transfer-of-Servicing notification, document and data retention, special investor reporting, and compliance with applicable law. NOTE: actual title is "Home Affordable Modification Program (HAMP)", not "Liquidation Options".

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: fhlmc-9205
  authority: Freddie Mac Single-Family Seller/Servicer Guide Chapter 9205 — Home Affordable Modification Program (HAMP)
  description: |
    Chapter 9205 of the Freddie Mac Single-Family Seller/Servicer Guide
    governs Servicing requirements for legacy HAMP-modified Mortgages:
    Transfer-of-Servicing notification, document and data retention,
    special investor reporting, and compliance with applicable law.
    NOTE: actual title is "Home Affordable Modification Program (HAMP)",
    not "Liquidation Options".
obligations:
  - id: fhlmc-9205-retain-hamp-eligibility-documents
    canonical_id: fhlmc-9205-retain-hamp-eligibility-documents
    section: Freddie Mac Guide Section 9205.1(b) — Document retention for HAMP eligibility
    description: |
      [LENDER] must retain all documents and information received during
      the process of determining Borrower eligibility for a modification
      under HAMP, including the Borrower Response Package, monthly
      Mortgage and gross debt payment calculations, NPV calculations,
      evidence of waterfall application, and Escrow analysis/advances/setup.
    type: maintain
    audit_question: Can [LENDER] evidence retention of all documents and information received during the process of determining Borrower eligibility for a HAMP modification — including the BRP, payment calculations, NPV inputs/outputs, waterfall evidence, and Escrow records?
    program_review: Does the program ensure retention of all documents/information received in determining HAMP eligibility (BRP, monthly mortgage/gross-debt and NPV calculations, waterfall evidence, Escrow analysis/advances/setup)?
    file_review: For HAMP-evaluated loans, confirm the eligibility-determination documents are retained.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - hamp
      - document-retention
      - eligibility
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 5869ee9e606cd4ae
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: Servicers must retain all documents and information received during the process of
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9205) at 2026-05-22.
    promoted_at: '2026-05-23T01:07:04+00:00'
    promoted_from: fhlmc-9205-roundb-v1.yaml
  - id: fhlmc-9205-retain-trial-period-and-incentive-records
    canonical_id: fhlmc-9205-retain-trial-period-and-incentive-records
    section: Freddie Mac Guide Section 9205.1(b) — Trial-Period and incentive recordkeeping
    description: |
      [LENDER] must retain all documents and information related to the
      monthly payments during and after the Trial Period, as well as
      incentive payment calculations and such other required documents,
      for HAMP-modified Mortgages.
    type: maintain
    audit_question: Can [LENDER] evidence retention of all documents and information related to monthly payments during and after the HAMP Trial Period, as well as incentive-payment calculations and other required HAMP documents?
    program_review: Does the program ensure retention of all documents/information on monthly payments during and after the HAMP Trial Period, plus incentive-payment calculations and other required HAMP documents?
    file_review: For HAMP-modified loans, confirm Trial-Period payment and incentive-calculation records are retained.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - hamp
      - trial-period
      - recordkeeping
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 5869ee9e606cd4ae
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: Servicers must retain all documents and information related to the monthly payments during
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9205) at 2026-05-22.
    promoted_at: '2026-05-23T01:07:04+00:00'
    promoted_from: fhlmc-9205-roundb-v1.yaml
  - id: fhlmc-9205-maintain-hamp-documentary-evidence
    canonical_id: fhlmc-9205-maintain-hamp-documentary-evidence
    section: Freddie Mac Guide Section 9205.1(b) — Documentary evidence of HAMP activities
    description: |
      [LENDER] must maintain appropriate documentary evidence of its
      HAMP-related activities, including pre-screening processes,
      HAMP-related Borrower communications, Borrower phone contact records,
      HAMP policies and procedures, training materials, foreclosure-sale
      postponements, bankruptcy income substitution, certifications prior
      to foreclosure sale, receipt of the Borrower Response Package, and
      decision-making documentation.
    type: maintain
    audit_question: Can [LENDER] evidence appropriate documentary evidence of all HAMP-related activities — including pre-screening, Borrower communications and phone contacts, policies/procedures, training, foreclosure-sale postponements, bankruptcy income substitution, pre-foreclosure certifications, BRP receipt, and decision-making rationale?
    program_review: Does the program ensure documentary evidence of all HAMP activities (pre-screening, Borrower communications/phone contacts, policies/procedures, training, foreclosure-sale postponements, bankruptcy income substitution, pre-foreclosure certifications, BRP receipt, decision-making) is maintained?
    file_review: Sample HAMP files; confirm the documentary evidence spans the enumerated activity categories.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - hamp
      - documentary-evidence
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 5869ee9e606cd4ae
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: Servicers must maintain appropriate documentary evidence of their HAMP-related activities,
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9205) at 2026-05-22.
    promoted_at: '2026-05-23T01:07:04+00:00'
    promoted_from: fhlmc-9205-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T01:07:04+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9205-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Chapter 9205 — Home Affordable Modification Program (HAMP) — 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 9205.1(b) — Document retention for HAMP eligibility

Servicers must retain all documents and information received during the process of

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 9205.1(b) — Trial-Period and incentive recordkeeping

Servicers must retain all documents and information related to the monthly payments during

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 9205.1(b) — Documentary evidence of HAMP activities

Servicers must maintain appropriate documentary evidence of their HAMP-related activities,

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b) · source URL · snapshot 5869ee9e606cd4ae