source:
  type: regulation
  id: fhlmc-9201
  authority: "Freddie Mac Single-Family Seller/Servicer Guide Chapter 9201 — Freddie Mac Loss Mitigation Evaluation Hierarchy and Performance Standards"
  description: 'Chapter 9201 of the Freddie Mac Single-Family Seller/Servicer Guide

    establishes the rationale for loss mitigation, Freddie Mac''s loss

    mitigation evaluation hierarchy, Servicer responsibilities for loss

    mitigation activities, and performance standards. NOTE: actual title

    is "Freddie Mac Loss Mitigation Evaluation Hierarchy and Performance

    Standards", not "Forbearance".

    '
obligations:
- id: fhlmc-9201-reinstatement-first-then-hierarchy
  canonical_id: fhlmc-9201-reinstatement-first-then-hierarchy
  section: "Freddie Mac Guide Section 9201.2(a) — Loss mitigation evaluation hierarchy"
  description: 'If a Borrower contacts [LENDER] for loss mitigation assistance,

    [LENDER] must first determine if the Borrower can bring the loan

    current through reinstatement, and only then proceed through the

    workout-option hierarchy set forth in Section 9201.2(a).

    '
  type: do
  audit_question: Can [LENDER] evidence that, for every Freddie Mac-serviced Mortgage where the Borrower contacted [LENDER] for loss mitigation assistance, reinstatement was evaluated first before any other relief or workout option in the Section 9201.2(a) hierarchy?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: per-loss-mit-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - loss-mitigation
  - hierarchy
  - reinstatement
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9201.2(a)
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: If a Borrower contacts the Servicer for loss mitigation assistance, the Servicer must first
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9201) at 2026-05-22.
  promoted_at: '2026-05-23T00:58:49+00:00'
  promoted_from: fhlmc-9201-roundb-v1.yaml
  program_review: Does the program ensure that when a Borrower seeks loss-mit assistance, reinstatement is evaluated first before any other option in the §9201.2(a) hierarchy?
  file_review: For loss-mit files, confirm from the notes that reinstatement was evaluated first before other hierarchy options.
  judgment: false
  feeds:
  - fhlmc-9201-loss-mitigation-activities-must-include
- id: fhlmc-9201-determine-temporary-or-permanent-hardship
  canonical_id: fhlmc-9201-determine-temporary-or-permanent-hardship
  section: "Freddie Mac Guide Section 9201.2(a) — Hardship determination"
  description: '[LENDER] must first determine if the Borrower has a temporary or

    permanent hardship in conducting the loss mitigation evaluation

    hierarchy, because the workout-option order depends on the hardship

    classification.

    '
  type: do
  audit_question: Can [LENDER] evidence that, for each loss-mitigation evaluation, the Borrower's hardship was classified as temporary or permanent before the relief/workout option was selected from the hierarchy table?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: per-loss-mit-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - loss-mitigation
  - hardship-classification
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9201.2(a)
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 1. The Servicer must first determine if the Borrower has a temporary or permanent hardship
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9201) at 2026-05-22.
  promoted_at: '2026-05-23T00:58:49+00:00'
  promoted_from: fhlmc-9201-roundb-v1.yaml
  program_review: Does the program ensure each loss-mit evaluation classifies the Borrower's hardship as temporary or permanent before selecting the workout option, since the option order depends on it?
  file_review: Confirm the file records a temporary/permanent hardship classification before option selection. The compliance person judges whether the classification fits the documented circumstances.
  judgment: true
- id: fhlmc-9201-loss-mitigation-activities-must-include
  canonical_id: fhlmc-9201-loss-mitigation-activities-must-include
  section: "Freddie Mac Guide Section 9201.3 — Servicer's responsibilities for loss mitigation activities"
  description: '[LENDER]''s loss mitigation activities must include pursuing

    reinstatement as the first option, analyzing the Borrower''s financial

    situation and intentions, determining property value and Freddie

    Mac''s potential loss, pursuing alternatives to foreclosure in

    accordance with the Section 9201.2 hierarchy, and continuing to

    pursue alternatives even after foreclosure has been initiated.

    '
  type: do
  audit_question: Can [LENDER] evidence that, for every delinquent Freddie Mac-serviced Mortgage, its loss mitigation activities included reinstatement-first pursuit, financial/intent analysis, property value/loss determination, hierarchy-based alternative-to-foreclosure pursuit, and continued pursuit of alternatives even after foreclosure was initiated?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: per-loss-mit-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - loss-mitigation
  - servicer-responsibilities
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9201.3
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: "The Servicer’s loss mitigation activities must include:"
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9201) at 2026-05-22.
  promoted_at: '2026-05-23T00:58:49+00:00'
  promoted_from: fhlmc-9201-roundb-v1.yaml
  program_review: Does the program ensure loss-mit activities include reinstatement-first pursuit, financial/intent analysis, property-value/loss determination, §9201.2 hierarchy-based alternatives, and continued pursuit of alternatives even after foreclosure initiation?
  file_review: Review delinquent-loan loss-mit files for all five activity elements; the compliance person judges whether the analysis (financial situation, value, loss) was adequately performed.
  judgment: true
_promotion_history:
- promoted_at: '2026-05-23T00:58:49+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9201-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
