source:
  type: regulation
  id: fhlmc-9102
  authority: "Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102 — Delinquencies"
  description: 'Chapter 9102 of the Freddie Mac Single-Family Seller/Servicer Guide

    sets general requirements for servicing delinquent Mortgages:

    Servicer responsibilities and staffing, delinquency-rate thresholds,

    collection records, buydown accounts, FHA/RHS/VA/MI requirements,

    and Freddie Mac rights. NOTE: actual title is "Delinquencies".

    '
obligations:
- id: fhlmc-9102-written-delinquency-procedures
  canonical_id: fhlmc-9102-written-delinquency-procedures
  section: "Freddie Mac Guide Section 9102.1(a) — Servicer responsibilities"
  description: '[LENDER] must develop, follow and maintain prudent and efficient

    written procedures that meet Freddie Mac requirements for promptly

    curing Delinquencies and comply with all applicable laws.

    '
  type: maintain
  audit_question: Can [LENDER] produce its written delinquency-management procedures, and evidence those procedures are followed and maintained, are prudent and efficient, meet Freddie Mac requirements for promptly curing Delinquencies, and comply with all applicable laws?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - delinquency
  - written-procedures
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.1(a)
    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: The Servicer must develop, follow and maintain prudent and efficient written procedures that
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9102) at 2026-05-22.
  promoted_at: '2026-05-23T00:56:46+00:00'
  promoted_from: fhlmc-9102-roundb-v1.yaml
  program_review: Does the program develop, follow, and maintain prudent/efficient written delinquency procedures that meet Freddie Mac requirements for promptly curing Delinquencies and comply with all applicable laws?
  file_review: Review the written delinquency procedures and a sample of delinquent files for adherence; the compliance person judges whether the procedures are prudent/efficient and followed.
  judgment: true
- id: fhlmc-9102-collection-records-available-for-inspection
  canonical_id: fhlmc-9102-collection-records-available-for-inspection
  section: "Freddie Mac Guide Section 9102.1(c) — Collection records"
  description: '[LENDER] must maintain records of all collection efforts and make the

    records available for Freddie Mac''s inspection on request,

    evidencing dates of letters and notices, dates and results of personal

    contacts with the Borrower, reasons for prior and current defaults,

    terms of any repayment arrangements, and documentation of property

    inspections.

    '
  type: maintain
  audit_question: "Can [LENDER] produce, on Freddie Mac's request, complete collection-effort records for any delinquent Freddie Mac Mortgage — including dates of letters and notices, dates/results of personal contacts, reasons for default, repayment-arrangement terms, and property-inspection documentation?"
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - delinquency
  - collection-records
  - recordkeeping
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.1(c)
    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: The Servicer must maintain records of all collection efforts and make the records available
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9102) at 2026-05-22.
  promoted_at: '2026-05-23T00:56:46+00:00'
  promoted_from: fhlmc-9102-roundb-v1.yaml
  program_review: Does the program ensure complete collection-effort records (letter/notice dates, contact dates/results, default reasons, repayment-arrangement terms, property-inspection documentation) are maintained and producible on Freddie Mac request?
  file_review: Pull delinquent-loan collection records; confirm the enumerated content is present and producible.
  judgment: false
- id: fhlmc-9102-no-buydown-application-to-delinquency
  canonical_id: fhlmc-9102-no-buydown-application-to-delinquency
  section: "Freddie Mac Guide Section 9102.1(d) — Funds in buydown accounts"
  description: '[LENDER] must not apply funds in a buydown account to bring a

    delinquent Mortgage current unless it is otherwise required per the

    Guide or the terms of the applicable buydown agreement.

    '
  type: dont
  audit_question: Can [LENDER] evidence that no buydown account funds were applied to bring a delinquent Freddie Mac Mortgage current except where required by the Guide or the applicable buydown agreement?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - delinquency
  - buydown-account
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.1(d)
    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: The Servicer must not apply funds in a buydown account to bring a delinquent Mortgage
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9102) at 2026-05-22.
  promoted_at: '2026-05-23T00:56:46+00:00'
  promoted_from: fhlmc-9102-roundb-v1.yaml
  program_review: Does the program prevent applying buydown-account funds to bring a delinquent Mortgage current except where required by the Guide or the buydown agreement?
  file_review: Spot-check delinquent loans with buydown accounts; confirm no buydown funds were applied except as permitted.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:56:46+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9102-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
