SF.FreddieMac.com

Servicing Products and Programs

Your toolkit of solutions to service loans efficiently.

From helping borrowers sustain homeownership with the right option to overseeing the performance of your portfolio - it's all here.

Guided Steps to Loss Mitigation Options

Answer a couple of questions about your borrower’s hardship and get instant results, such as key requirements for applicable mortgage relief or workout options.

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Guided Steps

Resources to help you work smarter, not harder.

  1. Servicing Training - Browse your options by servicing topic and find webinars, job aids, tutorials and more.
  2. A Guide to Servicing COVID-19 Loans - View a comprehensive summary of policies on outreach, workout options and related resources.

Products and Programs

Learn more about solutions in each category.

Forbearance

Learn about forbearance as a relief option for borrowers experiencing a short-term financial hardship that is unlikely to become permanent (i.e. unemployment).

Repayment Plans

Two options to bring the mortgage current if the borrower can afford it.

Payment Deferral

Help more homeowners (including those impacted by COVID-19) with the new relief solutions for those who have experienced a short-term hardship, or Disaster.

Flex Modification

A flexible workout option for borrowers who experience a permanent hardship and are in need of payment reduction relief.

Short Sale

A Freddie Mac standard short sale (short sale) is the sale of the mortgaged premises for less than the total amount necessary to satisfy the mortgage. Learn more from the Guide and technology tools.

Deed-in-Lieu

A liquidation option to help at-risk borrowers avoid foreclosure.

Disaster Relief

Natural disasters (e.g., floods, fires, hurricanes) can cause borrower hardships. Refer to the resources on this site to assist in these circumstances, including references to COVID-19.

Military Relief

To honor military service members and families, we encourage Servicers to offer relief options including the Servicemembers Civil Relief Act (SCRA).

Servicer Honors and Awards Program (SHARP)

Freddie Mac’s SHARP enables eligible Servicers to receive annual rewards and recognition based on their Servicer Success Scorecard.

Servicing Portfolio Transfers

These checklists provide step-by-step guidance so you can easily access new portfolios for MSRs, interim servicing and subservicing.

Investor Reporting

Tips and resources for improving the accuracy of your investor reporting and keeping your Freddie Mac portfolio on track.

Mortgage Insurers with Freddie Mac Delegated Agreements

Freddie Mac has negotiated agreements with several mortgage insurance companies.

Avoiding Foreclosure

Get the resources to help educate borrowers avoid foreclosure so they can keep their homes whenever possible.

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