source:
  type: regulation
  id: fhlmc-9211.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (09/10/25)
  description: "Freddie Mac Guide §9211.1 (Mortgage assistance funds). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-9211.1-0
  canonical_id: fhlmc-9211.1-0
  section: Freddie Mac Guide 9211.1
  description: '9211.1 Mortgage assistance funds: This section highlights the requirements relating to mortgage
    assistance administered by State and local governments along with other third-party organizations. The following
    information is related to: ■ General requirements for mortgage assistance funds ■ Borrower authorization …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (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: 'This section highlights the requirements relating to mortgage assistance administered by State
      and local governments along with other third-party organizations. The following information is related to:
      ■ General requirements for mortgage assistance funds ■ Borrower authorization requirements ■ Mortgages with
      credit enhancements ■ Another relief or workout arrangement ■ Foreclosure actions ■ Reporting to Freddie Mac
      (a) General requirements for mortgage assistance funds The facilitating organization determines Borrower eligibility
      criteria and underwrites the Borrower. Unless permitted by the organization, Servicers may not determine Borrower
      eligibility or communicate a determination of eligibility or qualification for mortgage assistance to a Borrower.
      Servicers must accept such mortgage assistance funds on behalf of a Borrower as though they were from the
      Borrower and apply the funds in accordance with the Security Instrument, the Guide and applicable law. Should
      the funds received be insufficient to bring the Mortgage current, refer to the sections below on partial reinstatements:
      Additional reinstatement requirements Topic Guide location Types of reinstatement Section 9203.1(c) When to
      accept full reinstatement Section 9203.1(d) When to accept partial reinstatement of a Mortgage in foreclosure
      Section 9203.1(e)'
    drafter_attestation: Verbatim from Freddie Guide §9211.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9211.1-1
  canonical_id: fhlmc-9211.1-1
  section: Freddie Mac Guide 9211.1
  description: '9211.1 Mortgage assistance funds: 212-2 Reporting and processing the reinstatement Section 9203.1(f)
    Reimbursement of expenses related to reinstatements Section 9203.1(g) If payment represents only a partial payment,
    the Servicer must not waive rights under the Mortgage to collect the unpaid amount and must conti…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (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: '212-2 Reporting and processing the reinstatement Section 9203.1(f) Reimbursement of expenses
      related to reinstatements Section 9203.1(g) If payment represents only a partial payment, the Servicer must
      not waive rights under the Mortgage to collect the unpaid amount and must continue collection efforts and
      attempt to establish quality right party contact as outlined in Chapters 9101 and 9102. Note: For Borrowers
      where mortgage assistance funds result in a partial prepayment, refer to Sections 8103.3(d) and 8303.2(a)(iii).
      (b) Borrower authorization requirements In connection with a Borrower’s request for mortgage assistance, Servicers
      must receive authorization from each Borrower to release his or her nonpublic personal financial information
      to an authorized mortgage assistance organization. The Borrower’s authorization to release his or her nonpublic
      personal financial information to the mortgage assistance organization and all communications that include
      a Borrower’s nonpublic personal information must comply with Section 1301.2 and all applicable laws. (c) Mortgages
      with credit enhancements Servicers must comply with the requirements of, and obtain approvals as necessary
      from the FHA, VA, RHS and/or MI. Credit enhancement on a Mortgage must stay in place regardless of the Borrower’s
      participation in a mortgage assistance program. (d) Another relief or workout arrangement Servicers must not
      deny or delay consideration of a Borrower for a relief or workout option pending approval for mortgage assistance.
      If a Borrower is currently performing under a relief or workout arrangement that has not been completed and
      the Borrower requests assistance from a mortgage assistance program, the Servicer must permit the Borrower
      to continue with the relief or workout arrangement. As noted in Section 9212.1(a), any funds received from
      the mortgage assistance program should be treated as funds from the Borrower and applied in accordance with
      the Security Instrument, the Guide and applicable law. Servicers should refer to Chapters 9203 through 9210
      for relief and workout options guidance accordingly. For streamlined evaluations for a Freddie Mac Flex Modification®,
      the Servicer must refer to guidance provided in Section 9206.1(c)(iii) in the event the Mortgage is reinstated,
      but in no instance must any Freddie Mac Flex Modification Trial Period Plan already evaluated for an offered
      be revoked as a result of reinstatement.'
    drafter_attestation: Verbatim from Freddie Guide §9211.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9211.1-2
  canonical_id: fhlmc-9211.1-2
  section: Freddie Mac Guide 9211.1
  description: '9211.1 Mortgage assistance funds: 212-3 The Servicer must cancel an active forbearance plan, an
    active repayment plan or a payment deferral that has not yet been completed if the Mortgage is fully reinstated
    as a result of mortgage assistance funds. If the Borrower requests additional assistance following reinsta…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (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: '212-3 The Servicer must cancel an active forbearance plan, an active repayment plan or a payment
      deferral that has not yet been completed if the Mortgage is fully reinstated as a result of mortgage assistance
      funds. If the Borrower requests additional assistance following reinstatement, the Servicer must evaluate
      the Borrower for relief and workout options in accordance with the evaluation hierarchy in Section 9201.2
      and with the requirements for the specific relief and workout options. Refer to the following Guide sections
      for details on additional workout options: Additional workout options Topic Guide location Reinstatements
      and relief options Chapter 9203 Freddie Mac workout options Chapter 9204 Home Affordable Modification ProgramSM
      Chapter 9205 Modifications Chapter 9206 Workout Mortgage assumption Chapter 9207 Freddie Mac Standard Short
      Sale Chapter 9208 Freddie Mac Standard Deed-in-Lieu of Foreclosure Chapter 9209 Charge-off Chapter 9210 (e)
      Foreclosure actions Servicers may postpone foreclosure activity in accordance with the Guide and applicable
      law for up to 45 days if they have been notified that the Borrower is participating in a mortgage assistance
      program and they have a good faith belief that the participation with the program will cure the Borrower’s
      Delinquency. The Servicer may extend the suspension of foreclosure actions beyond 45 days, as necessary, to
      facilitate the processing of the mortgage assistance, provided that: ■ It continues to validate with the mortgage
      assistance provider that the Borrower’s status has not changed ■ The action is in compliance with its agreement
      with the mortgage assistance provider; and ■ It obtains Freddie Mac’s prior approval for any suspension beyond
      60 days'
    drafter_attestation: Verbatim from Freddie Guide §9211.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9211.1-3
  canonical_id: fhlmc-9211.1-3
  section: Freddie Mac Guide 9211.1
  description: '9211.1 Mortgage assistance funds: 212-4 Servicers must submit approval requests for foreclosure
    activity suspension beyond 60 days to Foreclosures@FreddieMac.com. Servicers should refer to appropriate Guide
    sections on preforeclosure activities, including Sections 9301.2(a) and 9301.7(b). Servicers must note the …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (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: 212-4 Servicers must submit approval requests for foreclosure activity suspension beyond 60
      days to Foreclosures@FreddieMac.com. Servicers should refer to appropriate Guide sections on preforeclosure
      activities, including Sections 9301.2(a) and 9301.7(b). Servicers must note the reason for the postponement
      in the Mortgage file (e.g., third-party mortgage assistance). In the event a foreclosure sale occurs, the
      Servicer’s performance will be measured against Freddie Mac’s State foreclosure timelines (refer to Exhibit
      83, Freddie Mac State Foreclosure Timelines). Servicers are reminded that if they postpone foreclosure activity,
      they can resume foreclosure activity without delay if the mortgage assistance program and/or any loss mitigation
      solution is unable to resolve the Borrower’s Delinquency. Servicers are further reminded that when communicating
      a postponement request for a pending foreclosure sale to foreclosure counsel, the Servicer must identify the
      reason for the postponement (i.e., third-party mortgage assistance). If a notice of trustee/sheriff sale has
      been recorded and the trustee/sheriff sale is scheduled less than seven days from the date the Servicer is
      notified of Borrower approval for mortgage assistance, the Servicer is not required to accept the mortgage
      assistance payment. The Servicer should refer to Section 9301.7(b)(ii), the terms of the Note and applicable
      law accordingly for further guidance. (f) Reporting to Freddie Mac The Servicer must be able to readily identify
      any Borrower who receives third-party mortgage assistance funds from any State or local governmental agency,
      such as a housing finance agency or its designee. The Servicer must be able to provide this information to
      Freddie Mac upon request.
    drafter_attestation: Verbatim from Freddie Guide §9211.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9211.1-4
  canonical_id: fhlmc-9211.1-4
  section: Freddie Mac Guide 9211.1
  description: '9211.1 Mortgage assistance funds: Foreclosures overview and Servicer responsibilities (09/10/25)
    This section contains information related to: ■ Foreclosures on Freddie Mac Mortgages ■ General Servicer requirements
    for Freddie Mac Default Legal Matters ■ Freddie Mac’s rights (a) Foreclosures on Freddie Mac Mortga…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (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: 'Foreclosures overview and Servicer responsibilities (09/10/25) This section contains information
      related to: ■ Foreclosures on Freddie Mac Mortgages ■ General Servicer requirements for Freddie Mac Default
      Legal Matters ■ Freddie Mac’s rights (a) Foreclosures on Freddie Mac Mortgages The Servicer must refer to,
      manage and complete foreclosure in accordance with this chapter when there is no available alternative to
      foreclosure. Additionally, Freddie Mac requires the Servicer to manage the foreclosure process to acquire
      clear and marketable title to the property in a cost-effective, expeditious and efficient manner. (b) General
      Servicer requirements for Freddie Mac Default Legal Matters When following the requirements provided in this
      chapter while processing Freddie Mac Default Legal Matters, the Servicer must comply with: ■ The terms and
      conditions of the Mortgage documents, including the Note ■ Applicable federal, State and local laws and customs
      ■ Requirements of the FHA, VA, RHS or MI, if applicable ■ The Guide and other Purchase Documents (c) Freddie
      Mac’s rights Among other rights available under applicable law and the Guide, Freddie Mac reserves the right
      to: 1. Select the foreclosure counsel 2. Direct and manage the actions taken by the foreclosure counsel, on
      a case-by-case or jurisdiction-wide basis'
    drafter_attestation: Verbatim from Freddie Guide §9211.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9211.1-5
  canonical_id: fhlmc-9211.1-5
  section: Freddie Mac Guide 9211.1
  description: '9211.1 Mortgage assistance funds: 301-2 3. Assess compensatory fees and/or seek repayment of losses
    sustained due to errors, omissions or delays by the Servicer or its agent 4. Limit the amount of reimbursement
    for attorney fees if those fees exceed the expense limits in Exhibit 57A, Approved Attorney, Foreclosur…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9211.1 — Mortgage assistance funds (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: 301-2 3. Assess compensatory fees and/or seek repayment of losses sustained due to errors,
      omissions or delays by the Servicer or its agent 4. Limit the amount of reimbursement for attorney fees if
      those fees exceed the expense limits in Exhibit 57A, Approved Attorney, Foreclosure, Mediation, Postponement
      Fees and Title Expenses, or the fees commonly charged for similar services in the area where the services
      are being performed If Freddie Mac determines that the Servicer has directly or indirectly passed or charged
      to Freddie Mac any non-reimbursable expenses itemized in Section 9701.4(a) or charged Freddie Mac for Servicing
      Contract obligations covered by the Servicing Spread (as set forth in Section 8105.1(c)) or in violation of
      Section 9501.4(c)(i), then Freddie Mac may pursue any or all the remedies specified in the Guide and the other
      Purchase Documents, as applicable.
    drafter_attestation: Verbatim from Freddie Guide §9211.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
