source:
  type: regulation
  id: fhlmc-9203.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
  description: "Freddie Mac Guide §9203.1 (Reinstatements and relief options). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-9203.1-0
  canonical_id: fhlmc-9203.1-0
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: Refer to Bulletin 2026-2, which announced updates related
    to Resolve® reporting requirements for repayment plans and forbearance agreements. Servicers may implement the
    new requirements prior to the mandatory October 1, 2026 version of this section if they are operationally ready…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: 'Refer to Bulletin 2026-2, which announced updates related to Resolve® reporting requirements
      for repayment plans and forbearance agreements. Servicers may implement the new requirements prior to the
      mandatory October 1, 2026 version of this section if they are operationally ready to do so. This section contains
      information related to: ■ Reinstatements and relief options ■ General requirements for reinstatements and
      relief options ■ Types of reinstatement ■ When to accept full reinstatement ■ When to accept partial reinstatement
      of a Mortgage in foreclosure ■ Reporting and processing the reinstatement ■ Reimbursement of expenses related
      to reinstatements (a) Reinstatements and relief options The most desirable resolution to a Delinquency is
      reinstatement. Reinstatement is the act of restoring a delinquent Mortgage to current status. When the Servicer’s
      collection efforts do not result in reinstatement of a delinquent Mortgage, the Servicer should consider offering
      the Borrower a relief option. A relief option is an alternative to foreclosure that provides a Borrower with
      temporary relief or an opportunity to cure a Delinquency over a defined period of time or bring the Delinquency
      immediately current. If the Servicer has a Borrower whose situation does not meet Freddie Mac’s relief option
      eligibility requirements but the Servicer feels a relief option is still the best possible solution to cure
      the Delinquency, the Servicer must submit a request to Freddie Mac (see Directory 5) for Freddie Mac’s review.
      The Servicer must use Form 105, Multipurpose Loan Servicing Transmittal, and explain why a relief option is
      the best solution to the Delinquency.'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-1
  canonical_id: fhlmc-9203.1-1
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-2 In lieu of having the Servicer or Borrower prepare,
    sign and send, return or submit paper documents necessary to process a reinstatement or relief option, the Servicer
    and Borrower may provide loss mitigation information and documents electronically. Note: See Section 1401.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-2 In lieu of having the Servicer or Borrower prepare, sign and send, return or submit
      paper documents necessary to process a reinstatement or relief option, the Servicer and Borrower may provide
      loss mitigation information and documents electronically. Note: See Section 1401.3(h) for eligible documents
      and related requirements. (b) General requirements for reinstatements and relief options For all reinstatements
      and relief options, the Servicer must: 1. Comply with the requirements of the FHA, VA, RHS or MI and obtain
      approval from the FHA, VA, RHS or MI, if applicable 2. Retain any written agreements in the Mortgage file
      3. Within two Business Days of the date on which the Servicer receives a written request for payoff or reinstatement
      figures, provide complete, written figures as of the request date to the attorney, trustee, workout specialist
      or outsourcing vendor requesting the information For all reinstatements and relief options, the Servicer must
      not: 1. Demand payment of expenses from the Borrower in excess of the costs the Servicer actually incurred
      at the time the Borrower reinstates the Mortgage. These costs may not exceed Freddie Mac’s approved expense
      amounts (see Exhibit 57A, Approved Attorney, Foreclosure, Mediation, Postponement Fees and Title Expenses)
      unless the Servicer has obtained Freddie Mac’s approval to exceed these amounts, which approval may be requested
      by submitting Form 105 to Freddie Mac (see Directory 5) prior to incurring the expense. 2. Refuse to reinstate
      a Mortgage if the Borrower is unwilling or unable to pay a reinstatement or relief fee that is allowed by
      applicable law or the Purchase Documents. Among available options, the Servicer may defer collection of the
      fee until payoff of the Mortgage. 3. Charge the Borrower any of the costs itemized in Section 9701.4(a) (c)
      Types of reinstatement There are two types of reinstatement: full and partial. (i) Full reinstatement A full
      reinstatement occurs when the Borrower restores a delinquent Mortgage to current status by paying the total
      delinquent amount, including advances, delinquent principal and interest, legal costs and other expenses incurred
      and that are past due under the Note and the Security Instrument.'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-2
  canonical_id: fhlmc-9203.1-2
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-3 The Servicer must not charge or collect from the
    Borrower an amount that exceeds the expense limits specified in Exhibit 57A, except in cases where a higher
    expense amount is legally allowable and recoverable. In addition, the payment must not include reimbursement
    for cost…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-3 The Servicer must not charge or collect from the Borrower an amount that exceeds the
      expense limits specified in Exhibit 57A, except in cases where a higher expense amount is legally allowable
      and recoverable. In addition, the payment must not include reimbursement for costs the Servicer incurred if
      applicable law prohibits collection of those costs from the Borrower. (ii) Partial reinstatement A partial
      reinstatement occurs when the Borrower makes at least one full contractual monthly payment on a delinquent
      Mortgage but does not bring the Mortgage current. Servicers must report the loan level transaction in accordance
      with Section 8303.3(j). (iii)Partial reinstatement and repayment plan A partial reinstatement should be coupled
      with a repayment plan to restore a delinquent Mortgage to current status, but doing so is not mandatory. When
      processing a repayment plan: ■ The Borrower must pay an amount that: ❑ Equals or exceeds at least one full
      contractual monthly payment on a delinquent Mortgage, and ❑ Is less than the total delinquent amount due,
      including delinquent principal and interest, advances, legal costs and other expenses incurred and that are
      past due under the Note and the Security Instrument ■ The Borrower must agree to a repayment plan that provides
      for payment of the remaining arrearage, includes a stipulation that suspends the foreclosure proceedings during
      the repayment plan and allows the Servicer to recommence foreclosure at the point the foreclosure was suspended
      if the Borrower defaults on the repayment plan, unless otherwise prohibited by applicable law. Note: Exhibit
      93, Evaluation Notices, includes a model repayment plan template and a model reinstatement template that the
      Servicer may combine and amend as necessary to comply with the requirements of this section and applicable
      law. ■ The Servicer must not charge or collect from the Borrower an amount that exceeds the expense limits
      specified in Exhibit 57, 1- to 4-Unit Property Approved Expense Amounts, and Exhibit 57A unless those amounts
      were approved by Freddie Mac. In addition, the payment must not include reimbursement for costs the Servicer
      incurred if applicable law prohibits collection of those costs from the Borrower.'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-3
  canonical_id: fhlmc-9203.1-3
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-4 Servicers that choose not to pair a partial reinstatement
    with a repayment plan must continue to attempt to resolve the Delinquency and remain responsible for adhering
    to foreclosure timeline requirements. (d) When to accept full reinstatement The Servicer must accept full …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-4 Servicers that choose not to pair a partial reinstatement with a repayment plan must
      continue to attempt to resolve the Delinquency and remain responsible for adhering to foreclosure timeline
      requirements. (d) When to accept full reinstatement The Servicer must accept full reinstatement of a Mortgage
      if the payment, in cash or certified funds, includes the following: ■ Total delinquent amount ■ Accrued interest
      and unpaid principal ■ Actual legal costs, including any advances and additional expenses incurred ■ Costs
      for BPO, if applicable ■ Inspection fees ■ Accrued late charges. With the exception of inspection fees, regardless
      of expenses incurred, the Servicer must not charge the Borrower an amount that exceeds the expense limits
      specified in Exhibit 57A. In addition, the payment must not include reimbursement for costs the Servicer incurred
      if State law prohibits collection of those costs from the Borrower. The Servicer must not refuse to accept
      a full reinstatement if the Borrower offers to pay all amounts due except for the cost of the BPO, inspection
      fees and accrued late charges. The Servicer may make arrangements with the Borrower to pay the late charges
      after the Mortgage is reinstated. If the Borrower can pay all arrearages, inspection fees and costs, except
      for the cost of the BPO, the Servicer is not required to collect the BPO cost from the Borrower or remit the
      cost of the BPO to Freddie Mac. The Servicer must document the reason for nonremittance of the BPO cost in
      the file. The Servicer must collect the cost of the BPO before it can collect any accrued late charges. (e)
      When to accept partial reinstatement of a Mortgage in foreclosure The Servicer must accept partial reinstatement
      of a Mortgage referred to foreclosure if the following conditions are met. 1. The Borrower submits payment
      in cash or certified funds of: ■ All outstanding legal fees and related expenses, in amounts not to exceed
      the expense limits specified in Exhibit 57A, and'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-4
  canonical_id: fhlmc-9203.1-4
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-5 ■ An amount equal to, at a minimum, the first payment
    due under the repayment plan 2. If there is an Escrow account on the Mortgage, the Borrower must enter into
    a repayment plan with the Servicer that includes an agreement to repay the remaining delinquent interest, princi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-5 ■ An amount equal to, at a minimum, the first payment due under the repayment plan 2.
      If there is an Escrow account on the Mortgage, the Borrower must enter into a repayment plan with the Servicer
      that includes an agreement to repay the remaining delinquent interest, principal and Escrow (if applicable)
      and the scheduled monthly payments, no later than 12 months from the date the Servicer receives the partial
      reinstatement funds. The repayment plan must be in writing if the plan exceeds three months. If the Mortgage
      was referred to foreclosure prior to extending the repayment plan, the Borrower must make the first payment
      under the agreement in order to accept the terms of the plan. If there is no Escrow account on the Mortgage,
      the Servicer must establish one if the repayment period exceeds three months (unless prohibited by applicable
      law) and then may extend the repayment period to no more than 18 months without Freddie Mac’s approval. The
      plan must state: ■ The amount of the partial reinstatement payment ■ The total amount to be repaid ■ Beginning
      and end dates of the repayment period ■ The exact amount of the repayment plan payment that will be added
      to the Borrower’s regular monthly payment ■ That the Borrower must pay all scheduled monthly payments during
      the period of the repayment plan ■ That the Borrower must continue monthly payments according to the terms
      of the Note at the end of the plan ■ The Borrower agrees that the foreclosure proceedings are suspended during
      the repayment plan and that the Servicer is entitled to recommence foreclosure at the point the foreclosure
      was suspended if the Borrower defaults on the repayment plan Exhibit 93, includes a model repayment plan template
      and model reinstatement template that the Servicer may combine and amend as necessary to comply with the requirements
      of this section and applicable law. 3. The Borrower must submit information demonstrating his or her financial
      ability to make the: ■ Partial reinstatement payment'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-5
  canonical_id: fhlmc-9203.1-5
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-6 ■ Repayment plan payments (including the scheduled
    monthly payment) on a monthly basis ■ Monthly payments at the end of the repayment plan At the end of the repayment
    plan, the Servicer may make arrangements with the Borrower to collect accrued late charges, inspection fees…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-6 ■ Repayment plan payments (including the scheduled monthly payment) on a monthly basis
      ■ Monthly payments at the end of the repayment plan At the end of the repayment plan, the Servicer may make
      arrangements with the Borrower to collect accrued late charges, inspection fees and the cost of the BPO. However,
      the payment must not include reimbursement for costs the Servicer incurred if State law prohibits collection
      of those costs from the Borrower. If the Servicer or the Borrower propose a partial reinstatement plan that
      does not meet Freddie Mac’s criteria, but the Servicer believes it will result in the Borrower’s reinstatement
      of the Mortgage, the Servicer must submit the plan on Form 105 to Freddie Mac (see Directory 5) for consideration.
      (f) Reporting and processing the reinstatement (i) Processing partial reinstatements and repayment plans The
      Servicer must also notify Freddie Mac via an EDR transmission within three Business Days of the month following
      the month in which it accepted the initial payment on a repayment plan or a partial reinstatement of a Mortgage
      that was reported in foreclosure in the previous month and needs to be moved to delinquent status from foreclosure
      status. The Servicer must include the following activity in the EDR transmission: 1. Default action code 12
      (Repayment Plan) indicates a repayment plan once the initial repayment plan payment is received. The Servicer
      must continue reporting this code for each month of the repayment period except for the last month of the
      repayment period in which the Mortgage will be fully reinstated. 2. Default action code 20 (Reinstatement
      (Partial)) is only required if, as a result of the partial reinstatement without a repayment plan, the Servicer
      needs to change the Mortgage status from foreclosure to delinquent 3. Servicers should not report default
      action code 12 in the last month of the repayment period The Servicer must continue to report the default
      action code 12 (Repayment Plan) for the Mortgage in its future monthly EDR transmissions, provided the Borrower
      is in compliance with the terms of the repayment plan, until the Mortgage has been fully reinstated (see above
      steps one through three) or paid off or a workout has been completed. If the Borrower fails to make a payment
      due under the repayment plan, the Servicer must discontinue reporting default action code 12 on its EDR transmission.'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-6
  canonical_id: fhlmc-9203.1-6
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-7 Note: For additional information about EDR, refer
    to Section 9102.6. If the Mortgage has been inactivated by Freddie Mac, the Servicer must report partial reinstatement
    in the Loan-Level Transaction as required in Section 8303.3(j). (ii) Processing requirements If the Servi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-7 Note: For additional information about EDR, refer to Section 9102.6. If the Mortgage
      has been inactivated by Freddie Mac, the Servicer must report partial reinstatement in the Loan-Level Transaction
      as required in Section 8303.3(j). (ii) Processing requirements If the Servicer accepts a full or partial reinstatement
      on a Mortgage that is or was in foreclosure, then it must process the transaction as follows: 1. Take all
      necessary actions to prevent additional foreclosure expenses from being incurred, if applicable 2. Pay any
      foreclosure expenses that were actually incurred 3. Apply any remaining funds to the Mortgage 4. Return the
      Note, if appropriate, with a paper copy of the original or electronic or system-generated version of Form
      1036, Request for Physical or Constructive Possession of Documents, to the Document Custodian by certified
      mail. If one of Freddie Mac’s Designated Custodians is holding the Note, submit the Note and any additional
      documentation, if required, as directed by the Designated Custodian. Seller/Servicers that use The Bank of
      New York Mellon Trust Company, N.A., as Designated Custodian, and use its web-based process will include a
      copy of the electronically generated 1036 Release Receipt Report when returning such items to the Designated
      Custodian (see Section 8107.1). (iii)Additional requirements for Mortgages with buydown funds Additional requirements
      for Mortgages with buydown funds are as follows: ■ When processing a reinstatement for a Mortgage subject
      to a temporary subsidy buydown plan in accordance with Section 4204.3, the Servicer must not apply funds in
      a buydown account to bring a delinquent Mortgage current unless it is required per the terms of the buydown
      agreement ■ Upon reinstatement of a Mortgage that is subject to a temporary subsidy buydown plan, the Borrower
      must resume their monthly payment amount as specified in the terms of the buydown agreement, subject to applicable
      law and the terms of the buydown agreement*'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-7
  canonical_id: fhlmc-9203.1-7
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-8 ■ If the buydown term has expired or if, for any
    reason, the buydown funds are not available or the buydown funds are not paid, the Borrower is responsible to
    continue to make full monthly Mortgage payments as required by the terms of the Note ■ Any remaining funds held
    in …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-8 ■ If the buydown term has expired or if, for any reason, the buydown funds are not available
      or the buydown funds are not paid, the Borrower is responsible to continue to make full monthly Mortgage payments
      as required by the terms of the Note ■ Any remaining funds held in association with a buydown account, upon
      the end of the buydown term or the liquidation of the Mortgage, whichever occurs first, the Servicer must
      distribute in accordance with applicable law and per the buydown agreement or apply to the Mortgage consistent
      with Section 4204.3(e) *Application of each monthly payment must continue to be applied in accordance with
      the terms of the buydown agreement, applicable law and the Guide. (g) Reimbursement of expenses related to
      reinstatements If applicable federal, State or local law prohibits collection of incurred expenses (e.g.,
      legal fees and/or legal costs) from the Borrower upon reinstatement of the Mortgage, Freddie Mac will reimburse
      certain expenses the Servicer incurs. Note: See Section 9701.1(e)(iv) regarding unrecoverable expenses.'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-8
  canonical_id: fhlmc-9203.1-8
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: Reinstatements and relief options (Future effective date
    10/01/26) This section contains information related to: ■ Reinstatements and relief options ■ General requirements
    for reinstatements and relief options ■ Types of reinstatement ■ When to accept full reinstatement ■ When to…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: 'Reinstatements and relief options (Future effective date 10/01/26) This section contains information
      related to: ■ Reinstatements and relief options ■ General requirements for reinstatements and relief options
      ■ Types of reinstatement ■ When to accept full reinstatement ■ When to accept partial reinstatement of a Mortgage
      in foreclosure ■ Reporting and processing the reinstatement ■ Reimbursement of expenses related to reinstatements
      (a) Reinstatements and relief options The most desirable resolution to a Delinquency is reinstatement. Reinstatement
      is the act of restoring a delinquent Mortgage to current status. When the Servicer’s collection efforts do'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-9203.1-9
  canonical_id: fhlmc-9203.1-9
  section: Freddie Mac Guide 9203.1
  description: '9203.1 Reinstatements and relief options: 203-9 not result in reinstatement of a delinquent Mortgage,
    the Servicer should consider offering the Borrower a relief option. A relief option is an alternative to foreclosure
    that provides a Borrower with temporary relief or an opportunity to cure a Delinquency over a defined p…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §9203.1 — Reinstatements and relief options (04/27/26)
    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: '203-9 not result in reinstatement of a delinquent Mortgage, the Servicer should consider offering
      the Borrower a relief option. A relief option is an alternative to foreclosure that provides a Borrower with
      temporary relief or an opportunity to cure a Delinquency over a defined period of time or bring the Delinquency
      immediately current. The most desirable resolution to a Delinquency is a reinstatement. When the Servicer’s
      collection efforts do not result in reinstatement of a delinquent Mortgage, the Servicer must evaluate Borrowers
      in accordance with the Freddie Mac loss mitigation evaluation hierarchy as set forth in Section 9201.2. If
      the Servicer has a Borrower whose situation does not meet Freddie Mac’s relief option eligibility requirements
      but the Servicer feels a relief option is still the best possible solution to cure the Delinquency, the Servicer
      must submit a request to Freddie Mac (see Directory 5) for Freddie Mac’s review. The Servicer must use Form
      105, Multipurpose Loan Servicing Transmittal, and explain why a relief option is the best solution to the
      Delinquency. In lieu of having the Servicer or Borrower prepare, sign and send, return or submit paper documents
      necessary to process a reinstatement or relief option, the Servicer and Borrower may provide loss mitigation
      information and documents electronically. Note: See Section 1401.3(h) for eligible documents and related requirements.
      (b) General requirements for reinstatements and relief options For all reinstatements and relief options,
      the Servicer must: 1. Comply with the requirements of the FHA, VA, RHS or MI and obtain approval from the
      FHA, VA, RHS or MI, if applicable 2. Retain any written agreements in the Mortgage file 3. Within two Business
      Days of the date on which the Servicer receives a written request for payoff or reinstatement figures, provide
      complete, written figures as of the request date to the attorney, trustee, workout specialist or outsourcing
      vendor requesting the information For all reinstatements and relief options, the Servicer must not: 1. Demand
      payment of expenses from the Borrower in excess of the costs the Servicer actually incurred at the time the
      Borrower reinstates the Mortgage. These costs may not exceed Freddie Mac’s approved expense amounts (see Exhibit
      57A, Approved Attorney, Foreclosure, Mediation, Postponement Fees and Title Expenses) unless the Servicer
      has obtained Freddie Mac’s approval to exceed these amounts, which approval may be requested by submitting
      Form 105 to Freddie Mac (see Directory 5) prior to incurring the expense.'
    drafter_attestation: Verbatim from Freddie Guide §9203.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
