source:
  type: guide
  id: fhlmc-9102.4
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.4 — Servicer
    collection efforts
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.4 — Servicer
    collection efforts.
  coverage_tier: operative
obligations:
- id: fhlmc-9102.4-full
  canonical_id: fhlmc-9102.4-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.4 — Servicer
    collection efforts
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9102.4 — Servicer
      collection efforts
    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: '9102.4: Servicer collection efforts (12/01/25) This section
      contains requirements related to: ■ All collection efforts ■ Minimum collection
      efforts ■ Special Servicing, Early Delinquency Counseling and NextJob® re-employment
      services ■ Investment Property and rental income during Delinquency (a) All
      collection efforts The Servicer must treat each Delinquency individually by
      varying the collection techniques to fit the individual circumstances. The Servicer
      must avoid establishing a fixed routine, which is particularly ineffective when
      dealing with chronically delinquent Borrowers. All collection efforts must be
      based on the extent of the Delinquency and the Servicer’s knowledge of the following
      factors: ■ Borrower’s prior payment history ■ Borrower’s credit history ■ Borrower’s
      employment situation ■ Borrower’s reason for default ■ Borrower’s willingness
      and ability to repay ■ Borrower is deceased or the property is included as part
      of the Borrower’s estate ■ Mortgaged Premises’ condition ■ Mortgaged Premises’
      occupancy status If there is a known potential risk of loss or ownership to
      Freddie Mac, the Borrower must be referred for loss mitigation immediately.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26
      Page 9102-15 Servicers should encourage Borrowers to set up Automated Clearing
      House (ACH) payment arrangements. If a Borrower agreed to have his or her monthly
      payments automatically withdrawn from a bank account, the Servicer must ensure
      that the correct monthly payment is withdrawn (especially after an Escrow analysis
      has taken place) and processed timely. If the ACH payment cannot be processed
      on the specified date the Borrower has agreed to, the Servicer must begin efforts
      to contact the Borrower within 48 hours to determine the reason for the missed
      payment. (b) Minimum collection efforts The Servicer must, at a minimum: ■ Be
      readily available to the Borrower to offer financial counseling and advice on
      curing the Delinquency and explaining alternatives to foreclosure ■ Make personal
      contact with the Borrower as early and often as necessary to promptly cure the
      Delinquency. (Mortgages in Bankruptcy or litigation may be excluded if necessary
      under applicable law, rules of professional responsibility or court rules.)
      Servicers are authorized to use alternative outreach methods to contact the
      Borrower as permitted by applicable law including, but not limited to, e-mail,
      text messaging or voice response unit technology. ■ Continue to contact the
      Borrower if satisfactory arrangements have not been made to cure the Delinquency
      or until the Servicer determines foreclosure is appropriate ■ Issue the breach
      letter (may also be referred to as the “notice of acceleration” or “demand letter”)
      for all Mortgages no later than the 75th day of Delinquency. If State law requires
      the breach letter (or any other pre-breach letter) to be sent prior to the 75th
      day of Delinquency in order to be able to refer the Mortgage to foreclosure
      by the 120th day of Delinquency (i.e., 150 days after the DDLPI), the Servicer
      must send the breach letter on such earlier date. If the Servicer determines
      the property is vacant or abandoned pursuant to Section 9202.3(c)(iii), then
      the Servicer must: ❑ Issue a breach letter within 10 days of the determination,
      provided the Mortgage is greater than 30 days delinquent; and ❑ Refer the Mortgage
      to foreclosure after expiration of the breach letter, unless the Servicer establishes
      quality right party contact with the Borrower to resolve the Delinquency. Regardless
      of whether quality right party contact is achieved, the Mortgage must be referred
      to foreclosure no later than the 120th day of Delinquency unless one of the
      exceptions to postpone foreclosure referral described in Sections 9301.2(c)
      and 9301.2(d) applies. Freddie Mac Single-Family Seller/Servicer Guide Chapter
      9102 As of 04/27/26 Page 9102-16 ■ Contact the lessor for leasehold Mortgages
      and any lender with a prior lien on the fee simple landowner/lessor’s fee simple
      interest ■ Continue skip trace efforts until all reasonable sources have been
      attempted or contact numbers and addresses have been verified Servicers that
      maintain a call center must meet minimum call center performance standards as
      set forth in Section 9201.5. The following table lists the minimum collection
      efforts that must be made in an attempt to bring a delinquent Mortgage current.
      Note: If the day a Servicer is required to call a Borrower is not a Business
      Day and the Servicer is not open on such day to conduct loss mitigation and
      collection activities, the Servicer may call the Borrower on the next Business
      Day. Minimum collection efforts Days after Due Date Action required 19 Send
      late notices/reminder letters to delinquent Borrowers no later than the 20th
      day of the month (19th day of Delinquency). Note: Servicers must not send a
      late notice/reminder letter to a Borrower during an active forbearance plan
      term. This applies without regard to whether the Borrower’s monthly payment
      is reduced or suspended during the forbearance plan term. Additionally, this
      applies to forbearance plans for Borrowers with any eligible hardship type.
      36 Initiate contact with each delinquent Borrower as early in the delinquency
      cycle as possible to secure a payment or payment arrangement but no later than
      the 36th day after the Due Date of an unpaid monthly installment, unless ACH
      payment arrangements or other arrangements to cure the Delinquency have been
      established. The Servicer may tailor its contact attempts appropriately based
      on the risk characteristics of the Mortgage, each Borrower’s level of Delinquency
      and previous payment habits and the minimum contact requirements set forth in
      this Section 9102.4. Borrower contact must continue at least every seventh day
      at varying times throughout the day until the earlier of the 210th day after
      the Due Date of an unpaid monthly installment or quality right party contact
      is achieved and: Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102
      As of 04/27/26 Page 9102-17 Minimum collection efforts Days after Due Date Action
      required ■ The Servicer determines that the Borrower does not want to pursue
      an alternative to foreclosure or the Delinquency is cured ■ The Servicer achieves
      quality right party contact and has obtained from the Borrower a promise to
      pay the delinquent amount by a specified date (not to exceed 30 days) ■ A complete
      Borrower Response Package is received in accordance with Section 9102.5(d);
      or ■ The Borrower enters into a relief or workout option with the Servicer 45
      If a Servicer has not achieved quality right party contact and a resolution
      to the Delinquency, the Servicer must send at least one Borrower Solicitation
      Package to the delinquent Borrower no later than the 45th day after the Due
      Date of an unpaid monthly installment. 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 instance, the Servicer must comply 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. Generally,
      the Borrower Solicitation Package must include 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. However, a Servicer may choose to send only the Borrower Solicitation
      Letter and elect to send Form 710, FAQs and foreclosure rescue scam information
      upon establishing quality right party contact. In addition, the Servicer may
      provide the FAQs and foreclosure rescue scam information on its website and
      provide a link to that information in the Borrower Solicitation Letter. See
      also Section 9102.5(d) for specific information on what must be included in
      the solicitation to the Borrower. 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 Form 4506-C; or, to the
      extent required by applicable law, to indicate that such form may be required
      to Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26
      Page 9102-18 Minimum collection efforts Days after Due Date Action required
      complete the application and the circumstances when such form must be obtained
      or processed in accordance with Section 9102.5(c)(ii). 60-75 Send the Freddie
      Mac Flex Modification® Solicitation Cover Letter and Freddie Mac Flex Modification
      Trial Period Plan Solicitation Offer – Not Based on an Evaluation of a BRP as
      set forth in Section 9102.5 to Borrowers eligible for a streamlined offer for
      a Freddie Mac Flex Modification in accordance with Section 9206.1(c). Send 60-75
      days after the Due Date of an unpaid monthly installment for an eligible Borrower
      with a Step-Rate Mortgage. Servicers must continue to make efforts to complete
      an incomplete Borrower Response Package to the extent required by applicable
      law and regulations. Order the initial property inspection on or after day 90
      and obtain a complete property inspection report by day 120 unless: ■ The Servicer
      has established quality right party contact or ■ A full monthly Mortgage payment
      has been received within the last 30 days If the property is found to be vacant
      or the occupancy status is unknown, property inspections must continue as long
      as the Mortgage remains 90 or more days delinquent, regardless of whether the
      Servicer achieves quality right party contact. Contact each known superior lienholder,
      if applicable. 75 Send the breach letter for all Mortgages, including First
      Lien Mortgages and modified Mortgages no later than the 75th day of Delinquency
      (i.e., 105 days after the DDLPI). If State law requires the breach letter (or
      any other pre-breach letter or notice) to be sent prior to the 75th day of Delinquency
      in order to be able to refer the Mortgage to foreclosure as required in Sections
      9301.2(c) and 9301.2(d), the Servicer must send the breach letter on such earlier
      date. 90-105 Send Freddie Mac Flex Modification® Solicitation Cover Letter and
      Freddie Mac Flex Modification Trial Period Plan Solicitation Offer – Not Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-19
      Minimum collection efforts Days after Due Date Action required Based on an Evaluation
      of a BRP as set forth in Section 9102.5 to Borrowers eligible for a streamlined
      offer for a Freddie Mac Flex Modification in accordance with Section 9206.1(c).
      Send 90-105 days after the Due Date of an unpaid monthly installment for all
      other eligible Borrowers who did not receive a solicitation between day 60 and
      75 of Delinquency (i.e., certain Borrowers with Step-Rate Mortgages). 105 and
      greater Within 15 days prior to foreclosure referral, the Servicer must review
      the Mortgage file to ensure that: ■ The Servicer made every attempt to achieve
      quality right party contact in accordance with Section 9102.3, ■ The breach
      letter has been issued and expired, ■ At least one Borrower Solicitation Package
      or Borrower Solicitation Letter has been sent by the 45th day after the Due
      Date of an unpaid monthly installment and the response period has expired without
      an affirmative Borrower response, and ■ There is neither an approved payment
      arrangement nor an alternative to foreclosure offer pending for which the Borrower
      response period has not expired 120 Refer all Mortgages secured by properties
      other than Primary Residences and Mortgages secured by Primary Residences when
      permitted by applicable law, including First Lien Mortgages and modified Mortgages
      with expired breach letters to foreclosure no later than the 120th day of Delinquency
      (150 days after the DDLPI) unless one of the exceptions in Sections 9301.2(c)
      and 9301.2(d) applies. 121 and greater (or earlier if referral to foreclosure
      occurs prior to day 120) Refer all Mortgages secured by Primary Residences to
      foreclosure after expiration of the breach letter, but no earlier than 151 days
      from the DDLPI (121st day of Delinquency). Note: Refer to Sections 9301.2(c)
      and 9301.2(d) for additional requirements related to foreclosure referral. Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-20
      Minimum collection efforts Days after Due Date Action required 211 After the
      210th day after the Due Date of an unpaid monthly installment, the Servicer
      has discretion on the continuation and frequency of contact attempts with a
      delinquent Borrower. However, the Servicer 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. Servicers
      may use their own methodology or a tool that uses statistical models to predict
      worsening Delinquency and use the results of the tool to tailor its collection
      efforts (“Collection and Loss Mitigation Tool”) to determine when contact attempts
      should begin. Regardless of the methodology or tool employed, Servicers must
      comply with the minimum collection time frames in this section even if a Collection
      and Loss Mitigation Tool is used, including initiating contact attempts no later
      than 36 days after the Due Date of an unpaid monthly installment. Servicers
      using a Collection and Loss Mitigation Tool when managing contact attempts must
      make model specifications and code available to Freddie Mac upon request. Servicers
      must conduct periodic reviews to ensure the effectiveness of the Collection
      and Loss Mitigation Tool, including compliance with applicable laws, such as
      anti-discriminatory laws. Freddie Mac reserves the right to require a Servicer
      to discontinue the use of a Collection and Loss Mitigation Tool for Freddie
      Mac Mortgages. (c) Special Servicing, Early Delinquency Counseling and NextJob®
      re-employment services The requirements for special Servicing, Early Delinquency
      Counseling and NextJob® re- employment services, as described in this section,
      apply to Freddie Mac Home Possible® Mortgages (see Chapter 4501). (i) Special
      Servicing — Welcome Letter Servicers must send the Borrower a letter, shortly
      after closing and before the first Mortgage payment is due, stressing the importance
      of making timely payments and advising the Borrower to contact the Servicer
      if he or she experiences any financial problems. The letter may be incorporated
      into the welcome letter sent to Borrowers after closing. The letter must include
      the following: ■ Instructions on how to contact the Servicer if the Borrower
      is having difficulty making the Mortgage payment on time Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-21 ■ The Servicer’s
      business hours ■ A toll-free telephone number to reach the Servicer (ii) Early
      Delinquency Counseling The following provisions apply to Early Delinquency Counseling:
      ■ Early Delinquency Counseling is counseling provided to a delinquent Borrower
      by a nonprofit third-party homeownership-counseling agency or an eligible Servicer
      that involves identifying the reason(s) a Borrower did not make a Mortgage payment
      on time and working with the Borrower to resolve any financial problems so that
      future Mortgage payments can be made on a timely basis. The counseling includes
      a personal and interactive relationship with the Borrower that deals with money
      management, budgeting and debt management counseling ■ Servicers must offer
      Early Delinquency Counseling, including household budget management counseling,
      at no charge to delinquent Borrowers for each Delinquency that occurs during
      the first year following the Note Date. In addition, if at any time during the
      life of the Mortgage the Borrower is having difficulty making Mortgage payments,
      the Servicer should advise the Borrower to speak with the Servicer or contact
      a counseling agency for further assistance. ■ The Servicer must provide counseling
      in accordance with at least one of the following options: ❑ A nonprofit third-party
      homeownership counseling agency ❑ A Servicer. The Servicer may conduct the counseling
      provided the Servicer has policies and procedures in place to offer the same
      kind of comprehensive counseling, budgeting and advising capabilities as a counseling
      agency. ❑ A HUD-approved national counseling agency specified by Freddie Mac.
      The Servicer may use this option to refer delinquent Borrowers with Home Possible
      Mortgages to Freddie Mac for counseling services provided by a national counseling
      agency without charge to the Servicer. To refer a delinquent Borrower for counseling
      services provided by an agency, the Servicer must complete the “Counseling Agency-Servicer
      Referral” template in accordance with the instructions provided in the template
      and send the referral via secure e-mail to Freddie Mac at FM_Counseling_Outreach@FreddieMac.com.
      The template is accessible at https://sf.freddiemac.com/docs/xls/fact- sheet/counseling_servicer_referral.xls.
      The template contains instructions for carrying out referrals to the agencies
      and for identifying Mortgages that are Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 9102 As of 04/27/26 Page 9102-22 ineligible for referral. After
      Freddie Mac receives the referral, Freddie Mac and the agency will contact the
      Borrower to offer counseling services to the Borrower. For more information
      about the network of national counseling agencies, Servicers should visit the
      My Home by Freddie Mac website at https://myhome.freddiemac.com/resources/housing-help-centers.
      If a Servicer relies on a counseling agency, it must be fully aware of the status
      or outcome of all counseling efforts the counseling agency undertakes with a
      specific Borrower, including: ■ Initial contact with delinquent Borrower. If
      the Borrower is experiencing a Delinquency, the Servicer must: ❑ Send a letter
      advising the Borrower of the availability of free counseling ❑ Contact the delinquent
      Borrower to determine the Borrower’s current financial situation and the reason
      for the Delinquency ■ Counseling process and actions. The counseling must include
      the following: ❑ Analyzing the Borrower’s financial situation and developing
      a plan of action for solving the Delinquency, which in most cases will be a
      budget worksheet or workout plan giving priority to the Mortgage payment ❑ Developing
      a budget and debt repayment plan enabling the Borrower to meet his or her financial
      obligations ❑ Reviewing the budget worksheet or workout plan with the Borrower
      and the Servicer, if applicable, so a decision can be made on how to proceed
      ■ In addition to minimum collection efforts set forth in this section, the Servicer
      must offer Early Delinquency Counseling no later than the 30th day after the
      Due Date and schedule or conduct the initial counseling session with the Borrower
      no later than the 45th day after the Due Date ■ If the Servicer or a third-party
      non-profit homeownership counseling agency chosen by the Servicer provides the
      counseling, the Servicer must include in the Mortgage file: ❑ A copy of the
      “Welcome Letter” as described in Section 9102.4(c)(i) ❑ The date(s) that counseling
      was offered ❑ The Borrower’s response(s) Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 9102 As of 04/27/26 Page 9102-23 ❑ The name of the counseling
      agency providing the counseling (if not the Servicer) ❑ A brief summary of the
      results of the counseling ■ If the Servicer utilizes a HUD-approved national
      counseling agency specified by Freddie Mac to provide the counseling, as outlined
      above, the Servicer must include in the Mortgage file: ❑ A copy of the “Welcome
      Letter” as described in Section 9102.4(c)(i) ❑ The results of the counseling
      outreach as provided by Freddie Mac or the specified HUD national counseling
      agency, as applicable ■ If the Mortgage is included in a Transfer of Servicing
      before the end of the one-year period during which Early Delinquency Counseling
      is required, the transferee Servicer must be informed of the requirement and
      must be able to provide the required counseling or make arrangements for a counseling
      agency, as necessary (iii)NextJob re-employment services Increasing homeownership
      opportunities in underserved markets across the nation, including in rural and
      high-needs areas, is a key component of Freddie Mac’s Duty to Serve plan. High-needs
      areas include: ■ Middle Appalachia ■ The lower Mississippi Delta ■ Colonias
      ■ Other tracts located in areas subject to persistent poverty As part of the
      Duty to Serve plan, Freddie Mac is providing an opportunity for distressed Borrowers
      with a Home Possible Mortgage who reside in a high-needs area to receive re-
      employment services through NextJob. NextJob is a re-employment services company
      that assists Borrowers with job search skills and training to increase the Borrower’s
      likelihood of re-employment after the loss of a job, reduced hours or other
      employment challenges that threaten the Borrower’s ability to make timely mortgage
      payments. NextJob will contact the Borrower and offer re-employment services,
      which include: ■ One-on-one job coaching ■ Access to “Job Talk” webinars, and
      ■ Access to NextJob’s proprietary online job search training program Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-24
      Servicers are encouraged to refer Borrowers with Home Possible Mortgages in
      Duty to Serve high-needs areas (refer to Exhibit 40, Duty to Serve High-Needs
      Areas) who have suffered a loss of income due to unemployment or underemployment
      to Freddie Mac for referral to NextJob. The Borrower qualifications appear in
      the table below: NextJob re-employment services eligibility requirements Eligibility
      Eligibility requirements Borrower eligibility The Borrower must have: ■ Suffered
      a loss of income due to unemployment or underemployment, and ■ Requested loss
      mitigation assistance from the Servicer Mortgage eligibility The Mortgage must
      be: ■ Located in a designated Duty to Serve high-needs area listed in Exhibit
      40 ■ A Home Possible Mortgage Eligibility exclusions The following Borrowers
      are not eligible for NextJob re-employment services: ■ Borrowers who are 12
      months or more delinquent at the time of Servicer evaluation ■ Borrowers in
      active repayment plans ■ Borrowers in active modification Trial Period Plans
      ■ Borrowers approved for short sales or deeds-in-lieu of foreclosure ■ Borrowers
      with Mortgages: ❑ Subject to active non-routine litigation ❑ Subject to active
      bankruptcy proceedings ❑ That are FHA, VA or RHS insured ❑ With a foreclosure
      sale scheduled within the next 60 days, or ❑ That have been referred to foreclosure
      if the parties are in mediation Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 9102 As of 04/27/26 Page 9102-25 If a Borrower meets the eligibility
      criteria above, Servicers participating in the NextJob program must provide
      the following information to Freddie Mac on a Microsoft Excel® spreadsheet for
      each Borrower the Servicer is referring, in the format provided in Exhibit 41,
      NextJob Referral Template for Borrowers with Home Possible Mortgages, which
      includes the following information: ■ Freddie Mac loan number ■ Borrower name
      ■ Borrower phone number ■ Borrower State of residence, and ■ Servicer contact
      name and e-mail address The Servicer must send the Excel spreadsheet to Rural_Borrower_Help@FreddieMac.com
      up to twice per month only on the 15th or 30th day of the month. Servicers with
      no eligible Borrowers for a particular month are not required to make a submission.
      Three to six Business Days after receiving the submission, Freddie Mac will
      e-mail the Servicer a list of Borrowers who were referred to NextJob. NextJob
      will contact Borrowers by phone and work with them to complete the Homeowner
      Re-employment Registration and Waiver Agreement to initiate the re- employment
      services. NextJob will attempt to contact the Borrowers for 20 days. NextJob
      will provide job skills services and ask the Borrower to complete a survey at
      the end of the skills training. Freddie Mac will e-mail the Servicer monthly
      updates in a report entitled “Disposition of NextJob Referrals.” (d) Investment
      Property and rental income during Delinquency If satisfactory arrangements for
      repayment of the Delinquency have not been made, the Servicer must request that
      the Borrower consent to the appointment of a real estate agent or other agent
      to collect rents, maintain the Mortgaged Premises and make payments to the Servicer.
      If such arrangements are not made, the Servicer must determine what means are
      available to obtain the rental income and submit a recommendation to Freddie
      Mac (see Directory 5). Freddie Mac Single-Family Seller/Servicer Guide Chapter
      9102 As of 04/27/26 Page 9102-26 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 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 Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-27 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 Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102 As
      of 04/27/26 Page 9102-28 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 Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 9102 As of 04/27/26 Page 9102-29 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, Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-30
      ■ 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 Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 9102 As of 04/27/26 Page 9102-31 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. Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 9102 As of 04/27/26 Page 9102-32 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 Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102 As of
      04/27/26 Page 9102-33 ■ 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 Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 9102 As of 04/27/26 Page 9102-34 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 Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-35
      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 Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-36 Borrower Evaluation
      Notice communicating the decision to the Borrower, with one of the following
      possible outcomes: ■ Offer reinstatement ■ Offer a repayment plan (with or without
      a partial reinstatement offer) 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. ■ Offer a forbearance plan ■ Offer a modification
      as set forth in Chapter 9206 (i.e., Freddie Mac Flex Modification) ■ Offer a
      short sale as set forth in Chapter 9208 (i.e., Standard Short Sale) ■ Offer
      a deed-in-lieu of foreclosure as set forth in Chapter 9209 (i.e., Standard Deed-
      in-Lieu of Foreclosure) ■ Non-Approval, Ineligible for Mortgage Assistance –
      Mortgage is Current ■ Non-Approval, Ineligibility for Mortgage Assistance –
      Mortgage is Delinquent Refer to Chapter 9101 for additional requirements related
      to Borrower communication with respect to the receipt of the First Complete
      Borrower Response Package on a Mortgage secured by a Primary Residence. In addition,
      refer to Section 9208.2(b) for specific evaluation timelines for a short sale
      and Section 9206.1(c)(iii) for requirements on evaluating a complete Borrower
      Response Package after a streamlined offer for a Freddie Mac Flex Modification
      solicitation has been sent to the Borrower. (A) Foreclosure alternative offers
      made within 37 days of a foreclosure sale 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. Therefore, the Servicer must delete the reference “at [SERVICER PHONE
      NUMBER] or” and otherwise amend the Evaluation Notice to specify that a Borrower’s
      intent to accept the offer must be in writing. (B) Acceptance deadlines and
      foreclosure alternatives Freddie Mac Single-Family Seller/Servicer Guide Chapter
      9102 As of 04/27/26 Page 9102-37 For evaluation notices that are offers for
      alternatives to foreclosure, Servicers must include in the evaluation notice
      a date by which the Borrowers must accept such offers, which must be 14 days
      from the date of the evaluation notice for most alternatives to foreclosure
      except a short sale or deed-in-lieu of foreclosure. The Servicer must suspend
      foreclosure referral, the foreclosure process generally or the foreclosure sale
      upon receiving a Borrower’s verbal (where permitted) or written notification
      that he or she intends to accept an offer for an alternative to foreclosure
      other than a short sale or deed-in-lieu of foreclosure. Absent such written
      or verbal notification, the Servicer must suspend foreclosure referral, the
      foreclosure process, or the foreclosure sale upon receipt of a Borrower’s first
      payment under a Trial Period Plan or other plan requiring payments (e.g., repayment
      or forbearance plan). However, the repayment, forbearance or Trial Period Plan
      will not be legally binding unless the first payment is made by no later than
      the last day of the month that the first payment is due under the terms of the
      plan. Additional requirements related to foreclosure suspension Topic Guide
      location When to refer a Mortgage to foreclosure – Primary Residence Section
      9301.6 When to refer a Mortgage to foreclosure – non-Primary Residence Section
      9301.7 Complete Borrower Response Packages received after referral to foreclosure
      Section 9301.9(a) Model letters describing each of these responses are included
      in Exhibit 93. Use of the model letters is optional; however, they illustrate
      the level of specificity that is deemed to be in compliance with the requirements
      of this section. The model letters may be altered at the Servicer’s discretion
      to meet the requirements of Chapters 9203, 9206, 9208 and 9209, and to comply
      with disclosure and other requirements under applicable federal, State or local
      law. (vi) Servicer evaluation obligations once foreclosure has been initiated
      (A) Borrower Response Package received after referral to foreclosure and greater
      than 37 days prior to the foreclosure sale date If the Servicer receives a complete
      Borrower Response Package after referral to foreclosure, the Servicer is not
      required to suspend foreclosure proceedings to review the complete Borrower
      Response Package. Freddie Mac Single-Family Seller/Servicer Guide Chapter 9102
      As of 04/27/26 Page 9102-38 (I) Borrower Response Package received without a
      short sale purchase offer and foreclosure sale is scheduled If the foreclosure
      sale has been scheduled and the Servicer sends the Borrower a Borrower Evaluation
      Notice that is an intent to pursue a short sale based on receipt of a complete
      Borrower Response Package but a purchase offer was not received, then the Borrower
      Evaluation Notice must be amended to indicate the following: ■ Contact a real
      estate broker to list your property for sale if it is not currently listed.
      If your property is not currently listed, there may not be adequate time to
      market the property or to review a potential buyer’s offer prior to the foreclosure
      sale date ■ Once you receive a potential buyer’s offer, contact us immediately
      and we will review the offer to determine whether to accept it in full satisfaction
      of your obligation The “Standard Short Sale – All Other Scenarios” Evaluation
      Model Clause included in Exhibit 93 is representative of this Borrower Evaluation
      Notice. (II) Short sale evaluations Once the Mortgage has been referred to foreclosure,
      the Servicer must continue with foreclosure proceedings during the short sale
      process, except where delay for motion of judgment is provided for Mortgages
      subject to judicial proceedings. However, the Servicer must not complete a foreclosure
      sale if the short sale has been approved based on a review of a purchase offer
      and a complete Borrower Response Package (or other streamlined documentation
      permitted in Section 9208.1(c)). The Servicer must suspend the foreclosure sale
      where permitted under State or local law. (III) Deed-in-lieu of foreclosure
      evaluations Once the Mortgage has been referred to foreclosure, the Servicer
      must continue with foreclosure proceedings during the deed-in-lieu of foreclosure
      process, except where delay for motion of judgment is provided for Mortgages
      subject to judicial proceedings. The Servicer may only suspend foreclosure sale
      once the executed deed and all required deed-in-lieu of foreclosure documents
      have been received by the Servicer. Additionally, the Servicer must receive
      an executed deed from the Borrower no later than 30 days prior to the scheduled
      foreclosure sale date. When considering a Borrower for a deed-in-lieu of foreclosure,
      the Servicer must ensure that there is sufficient time to complete processing
      of the deed-in-lieu of Freddie Mac Single-Family Seller/Servicer Guide Chapter
      9102 As of 04/27/26 Page 9102-39 foreclosure (inclusive of sending the deed-in-lieu
      of foreclosure offer to the Borrower) so that the Servicer receives the executed
      deed no later than 30 days prior to the foreclosure sale date. (B) Borrower
      Response Packages received 37-15 days prior to the scheduled foreclosure sale
      date If a complete Borrower Response Package is received between 37 and 15 days,
      inclusively, before a scheduled foreclosure sale date, the Servicer must expedite
      its review and make a determination regarding the Borrower’s request for assistance
      at least seven days before the scheduled foreclosure sale date. This will ensure
      that the Servicer will be able to complete a foreclosure certification to the
      attorney seven days prior to a scheduled foreclosure sale date, if appropriate,
      or offer the Borrower an alternative to foreclosure. (C) Borrower Response Packages
      received less than 15 days prior to the scheduled foreclosure sale date In cases
      where a complete Borrower Response Package is received less than 15 days prior
      to a scheduled foreclosure sale date, the Servicer must first determine whether
      it can conduct an expedited review of the Borrower Response Package and render
      a decision by the foreclosure certification date (i.e., seven days prior to
      the scheduled foreclosure sale date) and if so, complete the review. See Section
      9301.7(a) for additional requirements for Servicer evaluation obligations once
      foreclosure has been initiated. (e) Electronic submission of documents Servicers
      should refer to Chapter 1401 for the definition of the following terms used
      in this subsection: ■ Electronic ■ Electronic Record ■ Electronic Transaction
      In lieu of paper documents, loss mitigation documents may be prepared, signed
      and sent electronically by and between the Servicer to the Borrower or by a
      Borrower to the Servicer, provided these Electronic Transactions comply with
      the requirements of Chapter 1401 and this section. With the exception of IRS
      Form 4506-C, Request for Transcript of Tax Return, all documentation required
      to be prepared, signed or sent by either the Servicer or the Borrower are considered
      “loss mitigation documents” for purposes of Section 1401.3(h). Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 9102 As of 04/27/26 Page 9102-40 Additional requirements
      related to eModification Agreements of paper Notes Topic Guide location Electronic
      solicitation and modification Section 9206.4(d) Servicing performing eMortgages
      Section 1402.5(b) Servicing non-performing eMortgages Section 1402.5(c) Note:
      IRS Form 4506-C is only defined as a loss mitigation document for purposes of
      Section 1401.17 if the form is received from the Borrower in a manner that permits
      the Servicer to submit the form to the IRS in compliance with the IRS instructions
      and requirements. All Electronic loss mitigation documents and any other Electronic
      Mortgage file documents are Electronic Records and must be able to be retrieved
      and printed in a manner that accurately reflects the information they originally
      contained. Additionally, all Electronic Records must be accessible (either electronically
      or on paper) and made available to Freddie Mac upon request.'
  judgment: false
