source:
  type: regulation
  id: fhlmc-9301
  authority: "Freddie Mac Single-Family Seller/Servicer Guide Chapter 9301 — Foreclosure"
  description: 'Chapter 9301 of the Freddie Mac Single-Family Seller/Servicer Guide

    governs the foreclosure process: foreclosures overview and Servicer

    responsibilities, preforeclosure referral account review, referral

    timing for primary and non-primary residences, foreclosure counsel

    selection, foreclosure sale bidding, and post-sale activities.

    NOTE: actual title is "Foreclosure"; Freddie''s bankruptcy rules live

    in Chapter 9401.

    '
obligations:
- id: fhlmc-9301-manage-foreclosure-when-no-alternative
  canonical_id: fhlmc-9301-manage-foreclosure-when-no-alternative
  section: "Freddie Mac Guide Section 9301.1(a) — Foreclosures on Freddie Mac Mortgages"
  description: '[LENDER] must refer to, manage and complete foreclosure in accordance

    with Chapter 9301 when there is no available alternative to

    foreclosure, and must manage the foreclosure process to acquire clear

    and marketable title to the property in a cost-effective, expeditious

    and efficient manner.

    '
  type: do
  audit_question: Can [LENDER] evidence that, for every Freddie Mac-serviced Mortgage where no alternative to foreclosure was available, foreclosure was referred, managed, and completed in accordance with Chapter 9301 to acquire clear and marketable title in a cost-effective, expeditious, and efficient manner?
  workflow_phase: servicing
  owner_role: foreclosure_specialist
  secondary_owner_role: compliance_officer
  cadence: per-foreclosure-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - foreclosure
  - management
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9301.1(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 refer to, manage and complete foreclosure in accordance with this chapter
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9301) at 2026-05-22.
  promoted_at: '2026-05-23T01:09:08+00:00'
  promoted_from: fhlmc-9301-roundb-v1.yaml
  program_review: Does the program ensure that when no alternative to foreclosure is available, foreclosure is referred/managed/completed per Chapter 9301 to acquire clear and marketable title in a cost-effective, expeditious, efficient manner?
  file_review: For foreclosed loans, confirm no alternative was available and that the process pursued clear/marketable title per Chapter 9301. The compliance person judges efficiency/cost-effectiveness.
  judgment: true
- id: fhlmc-9301-15-day-prereferral-file-review
  canonical_id: fhlmc-9301-15-day-prereferral-file-review
  section: "Freddie Mac Guide Section 9301.2(a)(i) — Review of the Mortgage file"
  description: 'Within 15 days prior to referral to foreclosure, [LENDER] 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

    that there is no approved payment arrangement or pending alternative

    to foreclosure offer for which the Borrower response period has not

    expired; results of the review must be documented in the Mortgage

    file or servicing system.

    '
  type: do
  audit_question: Can [LENDER] evidence that, for every Freddie Mac foreclosure referral, the Mortgage file was reviewed within 15 days prior to referral and the review results were documented in the Mortgage file or servicing system?
  workflow_phase: servicing
  owner_role: foreclosure_specialist
  secondary_owner_role: compliance_officer
  cadence: per-foreclosure-referral
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - foreclosure
  - pre-referral-review
  - 15-day
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9301.2(a)(i)
    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: Within 15 days prior to referral to foreclosure, the Servicer must review the Mortgage file
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9301) at 2026-05-22.
  promoted_at: '2026-05-23T01:09:08+00:00'
  promoted_from: fhlmc-9301-roundb-v1.yaml
  program_review: Does the program ensure a within-15-days-prior-to-referral file review verifies QRPC efforts per §9102.3 and the absence of an approved payment arrangement or pending alternative with an unexpired Borrower response period, documented in the file/servicing system?
  file_review: For foreclosure referrals, confirm a documented 15-day prereferral file review covering QRPC efforts and the no-pending-arrangement check.
  judgment: false
  feeds:
  - fhlmc-9301-refer-after-breach-letter-and-not-earlier-than-151
- id: fhlmc-9301-refer-after-breach-letter-and-not-earlier-than-151
  canonical_id: fhlmc-9301-refer-after-breach-letter-and-not-earlier-than-151
  section: "Freddie Mac Guide Section 9301.2(c)(i) — When to refer a Primary Residence Mortgage to foreclosure"
  description: '[LENDER] must refer a Primary Residence Mortgage to foreclosure after

    expiration of the breach letter, but no earlier than 151 days from

    the DDLPI (121st day of Delinquency), and must not refer to

    foreclosure if prohibited by applicable law or if an approved payment

    arrangement, pending Borrower Response Package evaluation, pending

    alternative-to-foreclosure offer, or unexpired appeals period applies.

    '
  type: do
  audit_question: Can [LENDER] evidence that, for every Primary Residence Mortgage referred to foreclosure, referral occurred after expiration of the breach letter and no earlier than 151 days from the DDLPI (121st day of Delinquency), and that no Mortgage was referred where any Section 9301.2(c)(i) exception applied?
  workflow_phase: servicing
  owner_role: foreclosure_specialist
  secondary_owner_role: compliance_officer
  cadence: per-foreclosure-referral
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - foreclosure
  - primary-residence
  - 151-day
  - breach-letter
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9301.2(c)(i)
    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 refer a Mortgage to foreclosure after expiration of the breach letter,
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9301) at 2026-05-22.
  promoted_at: '2026-05-23T01:09:08+00:00'
  promoted_from: fhlmc-9301-roundb-v1.yaml
  program_review: Does the program ensure Primary-Residence foreclosure referral occurs after breach-letter expiration and no earlier than 151 days from DDLPI (121st day of Delinquency), and never where law, an approved arrangement, pending BRP evaluation, pending alternative offer, or unexpired appeals period applies?
  file_review: For referrals, confirm breach-letter expiration and the ≥151-days-from-DDLPI timing, and that no §9301.2(c)(i) exception applied.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T01:09:08+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9301-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
