source:
  type: regulation
  id: fhlmc-9301.2
  authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
    (09/10/25)
  description: "Freddie Mac Guide §9301.2 (Preforeclosure and referral requirements). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-9301.2-0
  canonical_id: fhlmc-9301.2-0
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: (09/10/25) This section contains information related
    to: ■ Preforeclosure referral account review ■ Referral to foreclosure ■ When to refer a Mortgage to foreclosure
    – Primary Residence ■ When to refer a Mortgage to foreclosure for a non-Primary Residence ■ Approving referral
    to …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '(09/10/25) This section contains information related to: ■ Preforeclosure referral account
      review ■ Referral to foreclosure ■ When to refer a Mortgage to foreclosure – Primary Residence ■ When to refer
      a Mortgage to foreclosure for a non-Primary Residence ■ Approving referral to foreclosure on a First Lien
      Mortgage ■ Referral to foreclosure documentation requirements (a) Preforeclosure referral account review (i)
      Review of the Mortgage file Within 15 days prior to referral to foreclosure, the Servicer must review the
      Mortgage file to verify that it made every attempt to achieve quality right party contact in accordance with
      Section 9102.3, and there is no approved payment arrangement or pending alternative to foreclosure offer for
      which the Borrower response period has not expired. In the event that the Servicer finds that there is an
      approved payment arrangement or a pending offer for an alternative to foreclosure for which the Borrower response
      period has not expired, then the Servicer must not refer the Mortgage to foreclosure.'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-1
  canonical_id: fhlmc-9301.2-1
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-3 The Servicer must document the results of
    its review in the Mortgage file or servicing system. (ii) Prior approval required from Freddie Mac The Servicer
    must seek Freddie Mac’s approval to refer the Mortgage to foreclosure if the property inspections or any other
    informati…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '301-3 The Servicer must document the results of its review in the Mortgage file or servicing
      system. (ii) Prior approval required from Freddie Mac The Servicer must seek Freddie Mac’s approval to refer
      the Mortgage to foreclosure if the property inspections or any other information provided to the Servicer
      indicates that proceeding with referral may not be in Freddie Mac’s best interest or that the property is
      considered a distressed property (see Section 9301.2(e) for a list of affected property conditions). See also
      Section 8801.4(a) regarding prior approval required from Freddie Mac for Cooperative Share Loans. Servicers
      must send approval requests to Foreclosures@FreddieMac.com. Refer to Chapter 8403 for additional Servicing
      Contract requirements for Servicing Mortgages on distressed properties. Refer to Chapter 9101 for additional
      Servicing Contract requirements for Servicing Mortgages that secure Primary Residences. (b) Referral to foreclosure
      Referral to foreclosure is the submission of a Mortgage case and appropriate foreclosure documentation to
      foreclosure counsel after taking all appropriate actions to accelerate the Mortgage. Refer to Sections 9301.2(c)
      and 9301.2(d) for requirements for when to refer a Mortgage to foreclosure. (c) When to refer a Mortgage to
      foreclosure – Primary Residence (i) General requirements The Servicer must refer a Mortgage to foreclosure
      after expiration of the breach letter, but no earlier than 151 days from the DDLPI (121st day of Delinquency).
      However, Servicers may not refer a Mortgage to foreclosure if prohibited by applicable law or one of the following
      situations applies: ■ There is an approved payment arrangement or an alternative to foreclosure; or ■ A complete
      Borrower Response Package is received and the Servicer is still within the 30-day evaluation time period for
      evaluating the package as prescribed in Section 9102.5(c); or ■ The Servicer has extended an offer for an
      alternative to foreclosure and the period for the Borrower’s response has not expired; or ■ The Borrower has
      accepted an offer for an alternative to foreclosure and is performing in accordance with its terms; or'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-2
  canonical_id: fhlmc-9301.2-2
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-4 ■ The time period for the Borrower to exercise
    a right to appeal a denial of a Trial Period Plan or loan modification (per Section 9101.2) has not expired,
    the Servicer is reviewing the Borrower’s appeal, or the Borrower’s time period to respond to the Servicer’s
    decision o…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '301-4 ■ The time period for the Borrower to exercise a right to appeal a denial of a Trial
      Period Plan or loan modification (per Section 9101.2) has not expired, the Servicer is reviewing the Borrower’s
      appeal, or the Borrower’s time period to respond to the Servicer’s decision on the appeal and any acceptance
      period for an alternative to foreclosure offered as part of that decision has not expired Refer to Section
      9101.3 for additional foreclosure suspension requirements when the First Complete Borrower Response Package
      is received more than 37 days prior to a scheduled foreclosure sale date. To accept an offer A Borrower’s
      notification to the Servicer that he or she intends to accept an offer of an alternative to foreclosure may
      be demonstrated as follows: ■ Verbal notification ■ Written notification If a payment is required to legally
      accept an alternative to foreclosure offer, and the Borrower does not communicate a verbal or written rejection
      of the alternative to foreclosure offer, the Servicer must postpone referral to foreclosure, where legally
      permitted, at least through the last day of the month in which the first payment is due under the terms of
      the alternative to foreclosure offer or until the deadline for Borrower acceptance has passed. If the Servicer
      receives the first payment timely in accordance with the terms of a Trial Period Plan, repayment plan or forbearance
      plan, the Servicer must delay the next legal action unless the Borrower breaches the plan. (ii) Mortgages
      insured by the FHA or guaranteed by the VA or RHS or covered by mortgage insurance The Servicer must comply
      with the foreclosure referral requirements of the FHA, VA, RHS or MI, if applicable. (iii)Performance measurement
      Regardless of the reason for the delay in referral to foreclosure beyond 151 days from the DDLPI (121st day
      of Delinquency), the Servicer’s performance will be measured against Freddie Mac’s State foreclosure timelines
      (refer to Exhibit 83, Freddie Mac State Foreclosure Timelines). (d) When to refer a Mortgage to foreclosure
      for a non-Primary Residence (i) General requirements'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-3
  canonical_id: fhlmc-9301.2-3
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-5 The Servicer must refer a Mortgage to foreclosure
    no later than 150 days from the DDLPI (120th day of Delinquency) unless the pre-referral accounts review indicates
    that: ■ There is an approved payment arrangement or an alternative to foreclosure; or ■ A complete Borrower
    R…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '301-5 The Servicer must refer a Mortgage to foreclosure no later than 150 days from the DDLPI
      (120th day of Delinquency) unless the pre-referral accounts review indicates that: ■ There is an approved
      payment arrangement or an alternative to foreclosure; or ■ A complete Borrower Response Package is received
      and the Servicer is still within the 30-day evaluation time period for evaluating the package as prescribed
      in Section 9102.5(c); or ■ The Servicer has extended an offer for an alternative to foreclosure (except for
      an offer for a Freddie Mac Standard Short Sale (“short sale”) or Freddie Mac Standard Deed-in-Lieu of Foreclosure
      (“deed-in-lieu of foreclosure”)), and the period for the Borrower’s response has not expired; or ■ The Borrower
      has accepted an offer for an alternative to foreclosure and is performing in accordance with its terms Note:
      The Mortgage must be referred to foreclosure and foreclosure proceedings must continue if the Servicer sends
      the Borrower an offer to pursue a short sale or deed-in-lieu of foreclosure. To accept an offer A Borrower’s
      notification to the Servicer that he or she intends to accept an offer to an alternative to foreclosure may
      be demonstrated as follows: ■ Verbal notification ■ Written notification If a payment is required to legally
      accept an alternative to foreclosure offer, and the Borrower does not communicate a verbal or written rejection
      of the alternative to foreclosure offer, the Servicer must postpone referral to foreclosure, where legally
      permitted, at least through the last day of the month in which the first payment is due under the terms of
      the alternative to foreclosure offer or until the deadline for Borrower acceptance has passed. If the Servicer
      receives the first payment timely in accordance with the terms of a Trial Period Plan, the Servicer must delay
      the next legal action unless the Borrower breaches the plan. Additionally, unless Freddie Mac requires the
      Servicer to obtain Freddie Mac’s approval prior to referral to foreclosure (refer to Section 9301.2(f) for
      instances where Freddie Mac must approve the referral of the Mortgage to foreclosure), if the Borrower has
      abandoned the property, then the Servicer may refer to foreclosure as soon as it is legally possible to do
      so. The Servicer must send approval requests to Foreclosures@FreddieMac.com.'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-4
  canonical_id: fhlmc-9301.2-4
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-6 (ii) Mortgages insured by the FHA or guaranteed
    by the VA or RHS or covered by mortgage insurance The Servicer must comply with the foreclosure referral requirements
    of the FHA, VA, RHS or MI, if applicable. (iii)Performance measurement Regardless of the reason for the dela…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 301-6 (ii) Mortgages insured by the FHA or guaranteed by the VA or RHS or covered by mortgage
      insurance The Servicer must comply with the foreclosure referral requirements of the FHA, VA, RHS or MI, if
      applicable. (iii)Performance measurement Regardless of the reason for the delay in referral to foreclosure
      beyond 150 days from the DDLPI (120th day of Delinquency), the Servicer’s performance will be measured against
      Freddie Mac’s State foreclosure timelines (refer to Exhibit 83). (e) Approving referral to foreclosure on
      a First Lien Mortgage (i) Referral to foreclosure on a First Lien Mortgage The Servicer is responsible for
      referral to foreclosure on a First Lien Mortgage. The Servicer does not need Freddie Mac’s approval unless
      one or more of the following conditions exist.
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-5
  canonical_id: fhlmc-9301.2-5
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-7 Freddie Mac’s approval is required If the
    property has... Then the Servicer must... And... Hazardous Substances located on or near that could impact the
    habitability, value or occupancy of the property Request Freddie Mac’s approval to refer to foreclosure by submitting
    a d…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 301-7 Freddie Mac’s approval is required If the property has... Then the Servicer must... And...
      Hazardous Substances located on or near that could impact the habitability, value or occupancy of the property
      Request Freddie Mac’s approval to refer to foreclosure by submitting a detailed description of the issue and
      the Servicer’s recommendation for a First-Lien Mortgage to Freddie Mac (see Directory 5) within five Business
      Days of discovering the condition Freddie Mac will approve or deny the referral to foreclosure and provide
      any necessary instructions to the Servicer Damage from fire, flood or natural or man- made disaster Deteriorated
      and requires asset preservation or the property is a Manufactured Home that has significantly decreased in
      value A forfeiture action being litigated If the 2- to 4-unit property was built before 1978 and located in
      Massachusetts, refer to Section 9301.2(e)(iii) before initiating foreclosure. If the property was built before
      1960 and located in New York City (Brooklyn, Bronx, Manhattan, Queens or Staten Island), refer to the requirements
      in Section 9202.2(c) before initiating foreclosure. Refer to Chapter 8403 for additional Servicing Contract
      requirements for Servicing Mortgages on distressed properties. Refer to Chapter 8404 for additional Servicing
      Contract requirements for Mortgages secured by properties impacted by a disaster. (ii) Referral to foreclosure
      on Servicemembers or their Dependents The Servicemembers Civil Relief Act, State Military Relief Laws and
      Freddie Mac- specific protections provided in Chapter 8503 limit the ability of a Servicer to refer to or
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-6
  canonical_id: fhlmc-9301.2-6
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-8 complete foreclosure on Mortgages involving
    Servicemembers or Dependents, as those terms are defined in Chapter 8503. If the Servicer believes there are
    circumstances that warrant an exception to these requirements, the Servicer must submit Form 105, Multipurpose
    Loan Servi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '301-8 complete foreclosure on Mortgages involving Servicemembers or Dependents, as those terms
      are defined in Chapter 8503. If the Servicer believes there are circumstances that warrant an exception to
      these requirements, the Servicer must submit Form 105, Multipurpose Loan Servicing Transmittal for a First-Lien
      Mortgage, and provide all relevant information supporting the exception request. Refer to Chapter 8503 for
      further details regarding foreclosure limitations involving Servicemembers and Dependents. (iii)Tenant-occupied
      properties built before 1978 Before referring a Mortgage to foreclosure on a tenant occupied property built
      before 1978, if the Servicer is aware of, or becomes aware of, outstanding lead-based paint or health code
      citations or violations against the property or property owner, then the Servicer must notify Freddie Mac
      (see Directory 5) and include the following: 1. A copy of the citation 2. Copies of documentation related
      to a lead-based paint violation After reviewing the documentation, Freddie Mac will provide the Servicer with
      instructions on the course of action to take. (f) Referral to foreclosure documentation requirements (i) Foreclosure
      documentation requirements Appropriate foreclosure documentation includes, but is not limited to, all documents
      required by the foreclosure counsel to complete the first legal action. The Servicer must continue to comply
      with applicable law, but at a minimum, must supply the foreclosure counsel with the following: 1. Copies of
      the Note (or the original Note if required by applicable law) evidencing the indebtedness along with any intervening
      assignments, endorsements, powers of attorney or any applicable modifying instrument, such as a modification,
      a conversion agreement or an assumption of indebtedness and release of liability agreement 2. Mortgage or
      deed of trust 3. Copy of the original title insurance policy. For Cooperative Share Loans recognized as personal
      property, refer to Section 8801.1(f) regarding certain Servicer warranties required when foreclosing on a
      Cooperative Share Loan. 4. Copy of the breach, acceleration or demand letter sent to the Borrower 5. Military
      affidavits 6. Executed Substitution of Trustee, as necessary'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-7
  canonical_id: fhlmc-9301.2-7
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-9 7. Payoff statement with per diem interest
    as of the date of the foreclosure referral 8. Send foreclosure counsel the following information by facsimile
    transmission or other electronic means: ■ Name, mailing address and telephone number of the Borrower(s) ■ Property
    addres…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '301-9 7. Payoff statement with per diem interest as of the date of the foreclosure referral
      8. Send foreclosure counsel the following information by facsimile transmission or other electronic means:
      ■ Name, mailing address and telephone number of the Borrower(s) ■ Property address (if different from the
      Borrower’s mailing address) ■ A statement that the Mortgage is a Freddie Mac-owned Mortgage and includes the
      nine-digit Freddie Mac loan number ■ Name and address of the person to contact in the Servicer’s foreclosure
      department If Freddie Mac needs to execute a document that is not authorized for the Servicer to execute under
      the Limited Power of Attorney (see Exhibit 53) for the Servicer to conduct the foreclosure, the Servicer must
      submit the document with Form 105, Multipurpose Loan Servicing Transmittal, to Freddie Mac (see Directory
      5). Refer to Section 9301.3(c) for assigning Security Instruments back to the Servicer if an assignment of
      the Security Instrument to Freddie Mac has been recorded. Note: Refer to Sections 8101.2(b) and 8601.2(b)
      for requirements on obtaining a Limited Power of Attorney for Freddie Mac to sign documents on behalf of Freddie
      Mac. (ii) Referral to foreclosure documentation requirements on a Mortgage secured by a Manufactured Home
      In addition to the above requirements, if the Mortgage is secured by a Manufactured Home, the Servicer must
      notify the foreclosure counsel that the property is a Manufactured Home when it submits the case to the foreclosure
      counsel. The Servicer must also provide the foreclosure counsel with evidence that the property is legally
      classified as real property under the laws in the State where the property is located. (iii)Evidence that
      the property is real property in a non-certificate of title State The Servicer must provide the foreclosure
      counsel with copies of the following documentation in non-certificate of title States (see Section 5703.4(f)(i))
      evidencing that the Manufactured Home and the land are real property under the laws of the State where the
      property is located: ■ Information stating the legal basis (statutory or common law) for determining that
      the Manufactured Home is real property that is exempt from certificate of title requirements. This information
      may be included in the documentation received at'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-8
  canonical_id: fhlmc-9301.2-8
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-10 origination of the Mortgage from the title
    insurance company that the Manufactured Home is real property, and ■ Evidence that a certificate of title has
    not been issued, such as the manufacturer’s statement of origin, if the manufacturer’s statement of origin is
    not requir…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '301-10 origination of the Mortgage from the title insurance company that the Manufactured
      Home is real property, and ■ Evidence that a certificate of title has not been issued, such as the manufacturer’s
      statement of origin, if the manufacturer’s statement of origin is not required to be surrendered to a State
      agency (iv) Evidence that the property is real property in a certificate of title surrender State The Servicer
      must provide the foreclosure counsel with copies of the following documentation in certificate of title surrender
      States (see Section 5703.4(f)(ii)) evidencing that the Manufactured Home and the land are real property under
      the laws of the State where the property is located: ■ A certificate of cancelation, notification letter or
      other acknowledgment from the Department of Motor Vehicles (DMV) or the appropriate State agency to which
      the certificate of title was surrendered, or a copy of the documents submitted in connection with the surrender
      along with evidence that the documents were delivered and received by the appropriate State agency, and ■
      Copies of the documents, such as an affidavit of affixture, recorded in the land records as part of the title
      surrender procedures to show the Manufactured Home has been converted to real property (v) Evidence of clear
      and marketable title to the Manufactured Home and land in certificate of title States The Servicer must provide
      the foreclosure counsel with the following documentation in certificate of title States (see Section 5703.4(f)(iii))
      evidencing the Borrower’s ownership of both the Manufactured Home and the land on which it is permanently
      affixed and documentation evidencing that the land is legally classified as real property under the laws in
      the State where the property is located: ■ The original or a copy of the certificate of title showing the
      Borrower as owner of the Manufactured Home. The certificate of title must have a notation of the original
      Seller/Servicer’s security interest in the Manufactured Home in the name of the Seller and its successors
      in interest and assigns and have a notation of all intervening assignments from the original mortgagee to
      each successive Servicer, ending with the current Servicer, and ■ A copy of the deed evidencing ownership
      of the land showing the owner of the land on the deed to be identical to the owner of the Manufactured Home
      on the certificate of title This and any other relevant information must be provided within five days of the
      referral to foreclosure so that the foreclosure counsel has the information necessary to'
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9301.2-9
  canonical_id: fhlmc-9301.2-9
  section: Freddie Mac Guide 9301.2
  description: '9301.2 Preforeclosure and referral requirements: 301-11 simultaneously enforce the liens (whenever
    possible) and so as not to unnecessarily lengthen the foreclosure process.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9301.2 — Preforeclosure and referral requirements
      (09/10/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 301-11 simultaneously enforce the liens (whenever possible) and so as not to unnecessarily
      lengthen the foreclosure process.
    drafter_attestation: Verbatim from Freddie Guide §9301.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
