source:
  type: regulation
  id: fhlmc-9205
  authority: "Freddie Mac Single-Family Seller/Servicer Guide Chapter 9205 — Home Affordable Modification Program (HAMP)"
  description: 'Chapter 9205 of the Freddie Mac Single-Family Seller/Servicer Guide

    governs Servicing requirements for legacy HAMP-modified Mortgages:

    Transfer-of-Servicing notification, document and data retention,

    special investor reporting, and compliance with applicable law.

    NOTE: actual title is "Home Affordable Modification Program (HAMP)",

    not "Liquidation Options".

    '
obligations:
- id: fhlmc-9205-retain-hamp-eligibility-documents
  canonical_id: fhlmc-9205-retain-hamp-eligibility-documents
  section: "Freddie Mac Guide Section 9205.1(b) — Document retention for HAMP eligibility"
  description: '[LENDER] must retain all documents and information received during

    the process of determining Borrower eligibility for a modification

    under HAMP, including the Borrower Response Package, monthly

    Mortgage and gross debt payment calculations, NPV calculations,

    evidence of waterfall application, and Escrow analysis/advances/setup.

    '
  type: maintain
  audit_question: "Can [LENDER] evidence retention of all documents and information received during the process of determining Borrower eligibility for a HAMP modification — including the BRP, payment calculations, NPV inputs/outputs, waterfall evidence, and Escrow records?"
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - hamp
  - document-retention
  - eligibility
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b)
    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: Servicers must retain all documents and information received during the process of
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9205) at 2026-05-22.
  promoted_at: '2026-05-23T01:07:04+00:00'
  promoted_from: fhlmc-9205-roundb-v1.yaml
  program_review: Does the program ensure retention of all documents/information received in determining HAMP eligibility (BRP, monthly mortgage/gross-debt and NPV calculations, waterfall evidence, Escrow analysis/advances/setup)?
  file_review: For HAMP-evaluated loans, confirm the eligibility-determination documents are retained.
  judgment: false
- id: fhlmc-9205-retain-trial-period-and-incentive-records
  canonical_id: fhlmc-9205-retain-trial-period-and-incentive-records
  section: "Freddie Mac Guide Section 9205.1(b) — Trial-Period and incentive recordkeeping"
  description: '[LENDER] must retain all documents and information related to the

    monthly payments during and after the Trial Period, as well as

    incentive payment calculations and such other required documents,

    for HAMP-modified Mortgages.

    '
  type: maintain
  audit_question: Can [LENDER] evidence retention of all documents and information related to monthly payments during and after the HAMP Trial Period, as well as incentive-payment calculations and other required HAMP documents?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - hamp
  - trial-period
  - recordkeeping
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b)
    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: Servicers must retain all documents and information related to the monthly payments during
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9205) at 2026-05-22.
  promoted_at: '2026-05-23T01:07:04+00:00'
  promoted_from: fhlmc-9205-roundb-v1.yaml
  program_review: Does the program ensure retention of all documents/information on monthly payments during and after the HAMP Trial Period, plus incentive-payment calculations and other required HAMP documents?
  file_review: For HAMP-modified loans, confirm Trial-Period payment and incentive-calculation records are retained.
  judgment: false
- id: fhlmc-9205-maintain-hamp-documentary-evidence
  canonical_id: fhlmc-9205-maintain-hamp-documentary-evidence
  section: "Freddie Mac Guide Section 9205.1(b) — Documentary evidence of HAMP activities"
  description: '[LENDER] must maintain appropriate documentary evidence of its

    HAMP-related activities, including pre-screening processes,

    HAMP-related Borrower communications, Borrower phone contact records,

    HAMP policies and procedures, training materials, foreclosure-sale

    postponements, bankruptcy income substitution, certifications prior

    to foreclosure sale, receipt of the Borrower Response Package, and

    decision-making documentation.

    '
  type: maintain
  audit_question: "Can [LENDER] evidence appropriate documentary evidence of all HAMP-related activities — including pre-screening, Borrower communications and phone contacts, policies/procedures, training, foreclosure-sale postponements, bankruptcy income substitution, pre-foreclosure certifications, BRP receipt, and decision-making rationale?"
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - hamp
  - documentary-evidence
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9205.1(b)
    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: Servicers must maintain appropriate documentary evidence of their HAMP-related activities,
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9205) at 2026-05-22.
  promoted_at: '2026-05-23T01:07:04+00:00'
  promoted_from: fhlmc-9205-roundb-v1.yaml
  program_review: Does the program ensure documentary evidence of all HAMP activities (pre-screening, Borrower communications/phone contacts, policies/procedures, training, foreclosure-sale postponements, bankruptcy income substitution, pre-foreclosure certifications, BRP receipt, decision-making) is maintained?
  file_review: Sample HAMP files; confirm the documentary evidence spans the enumerated activity categories.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T01:07:04+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9205-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
