source:
  type: regulation
  id: fhlmc-9102.5
  authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication (12/17/25)
  description: "Freddie Mac Guide §9102.5 (Borrower solicitation and communication). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-9102.5-0
  canonical_id: fhlmc-9102.5-0
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: (12/17/25) This section contains requirements related
    to: ■ Glossary definitions ■ Borrower solicitation ■ Documents and forms ■ Communications with the Borrower
    ■ Electronic submission of documents This section sets forth Servicer communication, solicitation and notification
    req…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '(12/17/25) This section contains requirements related to: ■ Glossary definitions ■ Borrower
      solicitation ■ Documents and forms ■ Communications with the Borrower ■ Electronic submission of documents
      This section sets forth Servicer communication, solicitation and notification requirements during a Borrower’s
      Delinquency or upon receipt of a Borrower’s request for an alternative to foreclosure. (a) Glossary definitions
      Servicers should be familiar with Freddie Mac’s definitions for the following terms as they relate to Borrower
      solicitation and communication: Glossary definitions for Borrower solicitation and communication B Borrower
      Evaluation Notice The notice a Servicer must send to a Borrower once the Servicer completes its evaluation
      of the Borrower for an alternative to foreclosure. Borrower Response Package The documents that must be submitted
      by a Borrower in order to be evaluated for certain alternatives to foreclosure. Borrower Solicitation Package
      The documents that must be sent to a delinquent Borrower informing him or her of alternatives to foreclosure
      and the process and documentation required to be submitted to a Servicer in order to be evaluated for an alternative
      to foreclosure. (b) Borrower preforeclosure solicitation'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-1
  canonical_id: fhlmc-9102.5-1
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-27 A Servicer may not solicit a Borrower whose
    Mortgage is current or less than 31 days delinquent (i.e., no more than one payment past due) for an alternative
    to foreclosure described in Section 9201.2. In addition to the minimum collection efforts set forth in Section
    9102.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-27 A Servicer may not solicit a Borrower whose Mortgage is current or less than 31 days
      delinquent (i.e., no more than one payment past due) for an alternative to foreclosure described in Section
      9201.2. In addition to the minimum collection efforts set forth in Section 9102.4, Servicers may begin soliciting
      Borrowers who are 31 or more days delinquent in accordance with the processes and timelines set forth below
      in order to determine the reason for Delinquency and solicit them for possible alternatives to foreclosure.
      If a Servicer previously determined that a Borrower who was less than 60 days delinquent did not qualify for
      any alternative to foreclosure and the Borrower subsequently becomes 60 days delinquent, then the Servicer
      must continue its solicitation and collection efforts with the Borrower in accordance with the requirements
      of this chapter. Continued solicitation may include sending another Borrower Solicitation Package if documentation
      needs to be refreshed in order to perform the subsequent evaluation of the Borrower for alternatives to foreclosure.
      (i) No later than the 45th day after the Due Date Servicers must send at least one Borrower Solicitation Package
      or solicitation letter to the Borrower with information, including but not limited to, the availability of
      alternatives to foreclosure as set forth in Section 9102.5(c) below. See Section 9102.5(d) below for specific
      information that must be included in the Borrower Solicitation Package. If the Servicer has not achieved quality
      right party contact and a resolution to the Delinquency, the Servicer is required to send at least one Borrower
      Solicitation Package or solicitation letter to the delinquent Borrower no later than the 45th day after the
      Due Date of an unpaid monthly installment. The Servicer may send either: ■ A Borrower Solicitation Package,
      which includes a Borrower Solicitation Letter (see Exhibit 1145, Freddie Mac Borrower Solicitation Letter);
      Form 710, Mortgage Assistance Application; frequently asked questions (FAQs) and foreclosure rescue scam information
      OR ■ A Borrower Solicitation Letter (see Exhibit 1145) and Form 710, FAQs and foreclosure rescue scam information
      upon establishing quality right party contact. The Servicer may also provide the FAQs and foreclosure rescue
      scam information on its website and provide a link to that information in the Borrower Solicitation Letter.
      If a Servicer has achieved quality right party contact and has obtained from the Borrower a resolution to
      the Delinquency, the Servicer is not required to send the Borrower Solicitation Package. However, in such
      instances, the Servicer must comply'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-2
  canonical_id: fhlmc-9102.5-2
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-28 with any early intervention notice that may
    be required under applicable law. If the Borrower fails to perform under the conditions of a relief or workout
    option, the Servicer must resume collection efforts, including sending the Borrower Solicitation Package. (ii)
    As earl…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: 102-28 with any early intervention notice that may be required under applicable law. If the
      Borrower fails to perform under the conditions of a relief or workout option, the Servicer must resume collection
      efforts, including sending the Borrower Solicitation Package. (ii) As early as the 90th day and no later than
      the 105th day after the Due Date, or, for a Borrower with a Step-Rate Mortgage who becomes 60 days delinquent
      within 12 months following the first payment due date resulting from an interest rate adjustment, as early
      as the 60th day and no later than the 75th day after the Due Date When a Borrower becomes 90 days delinquent,
      or when a Borrower has a Step-Rate Mortgage and becomes 60 days delinquent within the 12 months following
      the first payment due date resulting from an interest rate adjustment, the Servicer must determine if the
      Borrower is eligible for a streamlined offer for a Freddie Mac Flex Modification® in accordance with Section
      9206.1(c)(iii) and, if eligible, solicit the Borrower for such modification. The Servicer must send an initial
      Exhibit 1191, Freddie Mac Flex Modification® Solicitation Cover Letter, and a Freddie Mac Flex Modification
      Trial Period Plan Solicitation Offer – Not Based on an Evaluation of a BRP, included in Exhibit 93, Evaluation
      Notices, on or before the 105th day of Delinquency to a Borrower who becomes 90 days delinquent and is otherwise
      eligible. For a Borrower with a Step-Rate Mortgage who becomes 60 days delinquent and is otherwise eligible,
      the Servicer must send an initial Exhibit 1191B, Freddie Mac Flex Modification® Solicitation Cover Letter
      for Day 60 Rate Reset, and a Freddie Mac Flex Modification Trial Period Plan Solicitation Offer – Not Based
      on an Evaluation of a BRP on or before the 75th day of Delinquency. If the Borrower has been approved for
      a streamlined offer for a Freddie Mac Flex Modification in accordance with the special requirements for Borrowers
      impacted by an Eligible Disaster described in Section 9206.1(c)(v), the Servicer must send Exhibit 1191A,
      Freddie Mac Flex Modification® Post-Disaster Forbearance Solicitation Cover Letter, in place of Exhibit 1191.
      The Servicer must amend the applicable letter template as necessary to conform to the Freddie Mac Flex Modification
      terms and requirements. The Freddie Mac Flex Modification Solicitation Cover Letter and the Freddie Mac Flex
      Modification Trial Period Plan Solicitation Offer – Not Based on an Evaluation of a BRP may be altered at
      the Servicer’s discretion as it deems necessary to meet the requirements of this section and Chapter 9206,
      and to comply with disclosure and other requirements under applicable law. If the Servicer fails to send the
      streamlined offer for a Freddie Mac Flex Modification by the 105th day of Delinquency to a Borrower who becomes
      90 days delinquent and is otherwise eligible, or by the 75th day of Delinquency to a Borrower with a Step-Rate
      Mortgage who becomes 60 days delinquent and is otherwise eligible, the Servicer must solicit eligible Borrowers
      as soon as possible to minimize the impacts of the delay. If the
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-3
  canonical_id: fhlmc-9102.5-3
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-29 Borrower does not respond to the initial
    Freddie Mac Flex Modification solicitation and otherwise remains eligible, then the Servicer may continue to
    solicit the Borrower for a Freddie Mac Flex Modification at its discretion, in accordance with the “continuation
    of solicit…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-29 Borrower does not respond to the initial Freddie Mac Flex Modification solicitation
      and otherwise remains eligible, then the Servicer may continue to solicit the Borrower for a Freddie Mac Flex
      Modification at its discretion, in accordance with the “continuation of solicitation efforts” requirements
      in this section. (iii)Continuation of solicitation efforts The Servicer must continue to try to contact and
      solicit the Borrower for alternatives to foreclosure throughout the foreclosure process. After the 210th day
      after the Due Date of an unpaid monthly installment, the Servicer has discretion to continue contact attempts
      and must discontinue all contact attempts 60 days prior to a foreclosure sale date for a judicial foreclosure
      or 30 days prior to a foreclosure sale date for a non-judicial foreclosure, unless the Servicer is required
      to continue contact attempts by applicable law. Attempts to solicit for alternatives to foreclosure while
      the Mortgage is in foreclosure must be communicated to and coordinated with the foreclosure attorney, as appropriate.
      A Servicer must keep the attorney informed of the status of relevant alternative to foreclosure negotiations
      and must notify the attorney within two Business Days after arrangements for an alternative to foreclosure
      have been agreed to or within two Business Days after the Mortgage is fully reinstated. (iv) Borrower solicitation
      during bankruptcy A Servicer is not required to solicit a Borrower in an active Chapter 7 or Chapter 13 bankruptcy.
      However, a Borrower in an active Chapter 7 or Chapter 13 bankruptcy case must be considered for an alternative
      to foreclosure if the Borrower, the Borrower’s counsel or bankruptcy trustee (with the Borrower’s written
      consent) submits a request to the Servicer. (c) Documents and forms The following documents and forms have
      been developed to fulfill the solicitation requirements of this section. (i) Solicitation documents In accordance
      with Section 9102.5(b) above, the Servicer must send, via regular or e- mail, at least one Borrower Solicitation
      Package no later than the 45th day after the Due Date of an unpaid monthly installment. The Borrower Solicitation
      Package consists of the following documents: ■ Exhibit 1145 (sent to Borrowers by the 45th after the Due Date
      of an unpaid monthly installment) and,'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-4
  canonical_id: fhlmc-9102.5-4
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-30 ■ The Servicer may elect to send the following
    upon establishing quality right party contact: ❑ Form 710, and ❑ Frequently asked questions and foreclosure
    rescue scam notice Exhibit 1145 is the solicitation template that reflects content a Servicer must include in
    its Borr…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-30 ■ The Servicer may elect to send the following upon establishing quality right party
      contact: ❑ Form 710, and ❑ Frequently asked questions and foreclosure rescue scam notice Exhibit 1145 is the
      solicitation template that reflects content a Servicer must include in its Borrower Solicitation Package.
      In addition, Servicers must amend Exhibit 1145 as necessary to comply with applicable law. The content of
      Exhibit 1145 includes: ■ A cover letter that includes a statement encouraging the Borrower to contact the
      Servicer, the Servicer’s contact information, a description of loss mitigation options that are available
      and contact information for homeownership counseling ■ Information on available alternatives to foreclosure
      to help Borrowers understand the options they may have to stay in their home or leave their home and avoid
      foreclosure ■ FAQs to help answer Borrowers’ questions regarding the Borrower Response Package and evaluation
      process. This information may also be provided on the Servicer’s website. ■ Important notices, such as tips
      for avoiding foreclosure scams. This information may also be provided on the Servicer’s website. In accordance
      with Section 9102.5(b) above, the Servicer must send via regular or e-mail, the applicable Freddie Mac Flex
      Modification solicitation cover letter and include the Freddie Mac Flex Modification Trial Period Plan Solicitation
      Offer – Not Based on an Evaluation of a BRP to a Borrower in accordance with the requirements in Section 9206.1(c).
      Solicitation for the Freddie Mac Flex Modification is in addition to, and not in place of, all other solicitation
      requirements described in this section. The solicitation template included in Exhibits 1145, 1191, 1191A and
      1191B may be altered in the Servicer’s or attorney’s discretion as it deems necessary to meet the requirements
      of this section and to comply with disclosure and other requirements under applicable law. (ii) Use of Form
      710 Form 710 is a required document that a Servicer must use to obtain Borrower and co- Borrower financial
      information, including the cause/reasons for the Borrower or co- Borrower’s financial hardship. The financial
      information and hardship sections of Form 710 must be completed and the form executed by all Borrowers on
      the Mortgage. The Servicer must require the submission of Form 710 by all Borrowers requesting consideration
      for an alternative to foreclosure. The Servicer may use a customized'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-5
  canonical_id: fhlmc-9102.5-5
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-31 equivalent of Form 710, provided that it
    requests the same financial information, hardship affidavit and attestations from the Borrower. However, if
    the Servicer receives Form 710 rather than its customized equivalent, the Servicer must accept Form 710. References
    of Form …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-31 equivalent of Form 710, provided that it requests the same financial information, hardship
      affidavit and attestations from the Borrower. However, if the Servicer receives Form 710 rather than its customized
      equivalent, the Servicer must accept Form 710. References of Form 710 in the Guide include any customized
      equivalent to Form 710. Note: When sending the Borrower Solicitation Package, Servicers are authorized to
      edit Form 710, if permitted by applicable law, to exclude references to Internal Revenue Service (IRS) Form
      4506-C; or, to the extent required by applicable law, to indicate that such form may be required to complete
      the application and the circumstances when such form must be obtained or processed in accordance with Section
      9102.5(c)(ii). (iii) Model letters The Servicer must send the Borrower the appropriate Borrower Evaluation
      Notice communicating the evaluation decision with one of the following outcomes: ■ Reinstatement Notice* ■
      Repayment Plan Offer* ■ Forbearance Plan Offer – Reduced Payment ■ Forbearance Plan Offer – Suspended Payment
      ■ Payment Deferral Agreement ■ Freddie Mac Flex Modification Trial Period Plan Notice – Based on an Evaluation
      of a Complete BRP ■ Freddie Mac Flex Modification Trial Period Plan Solicitation Offer – Not Based on an Evaluation
      of a BRP ■ Freddie Mac Standard Short Sale ■ Standard Deed-in-Lieu ■ Non-Approval, Ineligible for Mortgage
      Assistance – Mortgage is Current ■ Non-Approval, Ineligible for Mortgage Assistance – Mortgage is Delinquent
      Model letters describing each of these responses are included in Exhibit 93. Use of the model letters provided
      in Exhibit 93 is optional; however, each model letter illustrates the level of specificity that is deemed
      to comply with the requirements of Section 9102.5(d)(v) and the reinstatement, relief and workout requirements
      prescribed in the Guide. The model letters must be altered by the Servicer as necessary to comply with applicable
      federal, State or local law.'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-6
  canonical_id: fhlmc-9102.5-6
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-32 Servicers must ensure the model letters are
    revised as necessary to include Trial Period Plan ineligibility reasons and also Must provide information about
    the Borrower’s right to appeal the Servicer’s decision when the Borrower is denied a Trial Period Plan based
    on an ev…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-32 Servicers must ensure the model letters are revised as necessary to include Trial Period
      Plan ineligibility reasons and also Must provide information about the Borrower’s right to appeal the Servicer’s
      decision when the Borrower is denied a Trial Period Plan based on an evaluation of the First Complete Borrower
      Response Package. Exhibit 93 includes a list of ineligibility reasons for use with the model letters. As a
      reminder, impermissible denial reasons include, but are not limited to, the following: ■ Full lender recourse
      or indemnification – In situations where the Servicer chose not to repurchase the Mortgage from Freddie Mac
      or, in the case of indemnification, chose not to modify the Mortgage, the Servicer must disclose the reason
      it will not modify the Mortgage, which must be based on its own requirements. ■ Servicers are reminded that
      they may repurchase any Mortgage subject to full lender recourse or indemnification in accordance with the
      requirements set forth in Bulletin 2012-10 and may choose to modify a Mortgage subject to indemnification
      in accordance with the requirements in Bulletins 2016-5 and 2021-14 ■ FHA, RHS or VA Mortgage – The Servicer
      must determine eligibility for a loan modification under applicable agency requirements *A Servicer may combine
      the relevant contents of the Borrower Evaluation Notice for a reinstatement offer with the contents of the
      notice for a repayment plan offer when offering the Borrower a partial reinstatement of the Mortgage coupled
      with a repayment plan in accordance with the requirements of Chapter 9203. Further, if the offer for a foreclosure
      alternative is made 37 days or less prior to a scheduled foreclosure sale as set forth in Section 9301.7(a),
      a Borrower’s intent to accept the offer may not be communicated verbally but must be in writing. Therefore,
      the Servicer must delete the reference “at [SERVICER PHONE NUMBER] or” and otherwise amend the Evaluation
      Model Clause as appropriate. (d) Communications with the Borrower (i) Borrower Solicitation Package The Servicer
      must provide in the cover letter included in the Borrower Solicitation Package a specific date by which the
      package must be returned, which must be 30 days from the date of the communication. In the event the 30th
      day falls on a non-Business Day, the Servicer must specify the following Business Day as the date by which
      the Borrower Response Package must be returned. Refer to Section 9102.5(c) for the documentation and content
      that must be included in a Borrower Solicitation Package. (ii) Borrower Response Package A complete Borrower
      Response Package must include the following: ■ Completed and signed Form 710'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-7
  canonical_id: fhlmc-9102.5-7
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-33 ■ Income documentation in accordance with
    Section 9202.1(c) ■ Hardship documentation in accordance with Section 9202.1(b) ■ Completed and signed IRS Form
    4506-C, Request for Transcript of Tax Return, if any of the following circumstances apply: ❑ The Servicer must
    submit I…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-33 ■ Income documentation in accordance with Section 9202.1(c) ■ Hardship documentation
      in accordance with Section 9202.1(b) ■ Completed and signed IRS Form 4506-C, Request for Transcript of Tax
      Return, if any of the following circumstances apply: ❑ The Servicer must submit IRS Form 4506-C, as applicable,
      to the IRS to obtain a copy of the Borrower’s tax transcript. This is required: ■ To reconcile inconsistencies
      between other information the Borrower provided (e.g., information the Borrower provided in Form 710) and
      the income documentation; or ■ When the Borrower is self-employed or is a fiscal year tax filer but the Borrower
      has not provided any of the required documentation specified in Section 9202.3(b) to support his or her income
      type ❑ As otherwise requested by Freddie Mac The Servicer may accept and rely on any information and documentation
      submitted on behalf of a Borrower by the Borrower’s authorized trusted advisor, such as a HUD- approved housing
      counselor, provided that the Servicer: ■ Complies with applicable privacy and other laws and, when necessary
      ■ Obtains and maintains in the Mortgage file evidence of the Borrower’s written consent to the Servicer’s
      sharing of the Borrower’s private financial and any other protected information with the Borrower’s trusted
      advisor The Servicer should notify Freddie Mac via an EDR transmission by reporting default action code H5
      within the first three Business Days of the month following the month that it received a complete Borrower
      Response Package, but it is not required to do so. When a Borrower is in an active Chapter 7 or Chapter 13
      bankruptcy, the Servicer may: ■ Accept copies of the bankruptcy schedules and tax returns (if returns are
      required to be filed) in lieu of Form 710, and ■ Use this information to determine Borrower eligibility (with
      the income documentation) Servicers should request the schedules and tax returns from the Borrower, Borrower’s
      counsel or bankruptcy court. If the bankruptcy schedules are greater than 90 days old as'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-8
  canonical_id: fhlmc-9102.5-8
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-34 of the date the Servicer first determined
    the Borrower submitted a complete Borrower Response Package, the Borrower must provide updated evidence of income.
    To the extent that a Servicer receives sufficient information to evaluate the Borrower for a reinstatement or
    relief…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-34 of the date the Servicer first determined the Borrower submitted a complete Borrower
      Response Package, the Borrower must provide updated evidence of income. To the extent that a Servicer receives
      sufficient information to evaluate the Borrower for a reinstatement or relief option in accordance with Chapter
      9203 without the complete Borrower Response Package, the Servicer should do so. (iii) Acknowledgement of receipt
      of Borrower Response Package The Servicer must acknowledge to the Borrower receipt of the Borrower Response
      Package within five Business Days of receipt from the Borrower and must indicate whether the package is complete
      or incomplete. The acknowledgement of receipt, which must be in writing, must include the following: ■ The
      Servicer’s evaluation process and timeline ■ An explanation of the foreclosure process, including that: ❑
      Referral to foreclosure will not occur if the Servicer is reviewing a complete Borrower Response Package ❑
      Referral to foreclosure will not occur if the Servicer extends an offer for an alternative to foreclosure
      and the Borrower’s deadline to respond has not expired ❑ Following referral to foreclosure, the foreclosure
      process may continue during the evaluation ■ For a Borrower who submits a complete Borrower Response Package
      37 days or less prior to a scheduled foreclosure sale, an explanation of the Servicer’s plans for evaluating
      the Borrower for an alternative to foreclosure and suspending the foreclosure, if appropriate ■ A description
      of those situations where a court with jurisdiction over the foreclosure proceeding (if any) or public official
      charged with carrying out the activity could fail or refuse to halt a scheduled foreclosure sale, if applicable
      ■ Any other disclosure as required under applicable law The Servicer must maintain evidence of the date of
      receipt of the Borrower’s Response Package in its records. (iv) Incomplete information notice Upon receipt
      of an incomplete Borrower Response Package, the Servicer is required to send an incomplete information notice
      to the Borrower at the same time as the acknowledgement of receipt of the Borrower Response Package, which
      is no later than'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9102.5-9
  canonical_id: fhlmc-9102.5-9
  section: Freddie Mac Guide 9102.5
  description: '9102.5 Borrower solicitation and communication: 102-35 five Business Days from receipt of the Borrower
    Response Package. The incomplete information notice must include the following: ■ A list of documents or information
    needed to evaluate the Borrower for an alternative to foreclosure ■ A reference to the HUD website for the f…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9102.5 — Borrower solicitation and communication
      (12/17/25)
    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: '102-35 five Business Days from receipt of the Borrower Response Package. The incomplete information
      notice must include the following: ■ A list of documents or information needed to evaluate the Borrower for
      an alternative to foreclosure ■ A reference to the HUD website for the following HUD-approved counseling agencies
      as resources available to help the Borrower complete the package: • The U.S. Department of Housing and Urban
      Development (HUD) at (800) 569- 4287 or www.hud.gov/counseling • The Consumer Financial Protection Bureau
      (CFPB) at (855) 411-2372 or https://www.consumerfinance.gov/mortgagehelp/ ■ A reminder that if the Borrower
      does not submit all required documentation or information, the Servicer may determine the Borrower to be ineligible
      for an alternative to foreclosure and foreclosure proceedings will continue, including referral to foreclosure
      if the Mortgage was not previously referred ■ Statement indicating that, depending on when the necessary information
      or documentation is received, there is no guarantee that the Servicer may be able to evaluate the Borrower
      for alternatives to foreclosure and halt foreclosure proceedings ■ A toll-free telephone number the Borrower
      may contact for questions on the necessary documentation Within five Business Days of receiving the completed
      Borrower Response Package from the Borrower, the Servicer is required to acknowledge to the Borrower that
      the completed Borrower Response Package has been received. A Servicer may, but is not required to, send an
      incomplete information notice to a Borrower who submits an incomplete Borrower Response Package 37 days or
      less prior to a scheduled foreclosure sale. The Servicer is strongly encouraged to work with a Borrower who
      submits an incomplete Borrower Response Package 37 days or less prior to a scheduled foreclosure sale to complete
      the Borrower Response Package and expedite a decision. Notwithstanding receipt of an incomplete Borrower Response
      Package and the Servicer’s transmittal of an incomplete information notice, the Servicer must still refer
      a Mortgage to foreclosure while attempting to obtain a complete Borrower Response Package. (v) Evaluation
      requirements in response to a complete Borrower Response Package Within five days of an evaluation decision
      but no later than 30 days following receipt of the complete Borrower Response Package, the Servicer must provide
      the appropriate'
    drafter_attestation: Verbatim from Freddie Guide §9102.5 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
