Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing)

fhlmc-bulletin-2026-2

Freddie Mac Bulletin 2026-2 (Servicing), effective May 1, 2026: updates to forbearance term requirements, disaster loss-mit policy, and the loss-mitigation evaluation hierarchy (Section 9201.2, aligned to Fannie Mae). Snapshot is a byte-identical mirror of the official Freddie PDF.

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source:
  type: regulation
  id: fhlmc-bulletin-2026-2
  authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing)
  description: 'Freddie Mac Bulletin 2026-2 (Servicing), effective May 1, 2026: updates to forbearance term requirements, disaster loss-mit policy, and the loss-mitigation evaluation hierarchy (Section 9201.2, aligned to Fannie Mae). Snapshot is a byte-identical mirror of the official Freddie PDF.'
  status: in-force
obligations:
  - id: fhlmc-bulletin-2026-2-loss-mit-hierarchy
    canonical_id: fhlmc-bulletin-2026-2-loss-mit-hierarchy
    section: Freddie 2026-2 — loss-mit evaluation hierarchy (Section 9201.2), effective May 1, 2026
    description: Freddie Mac updated its loss-mitigation evaluation hierarchy (Section 9201.2) to align with Fannie Mae and impose new servicer requirements, effective May 1, 2026.
    type: do
    audit_question: Has [SVCR] updated its loss-mit evaluation procedure to the revised Freddie Section 9201.2 hierarchy (Fannie-aligned), effective May 1, 2026?
    program_review: Does the program reflect the revised Freddie Section 9201.2 loss-mit hierarchy (Fannie-aligned) effective May 1, 2026?
    file_review: On Freddie loss-mit files, confirm evaluations follow the revised 9201.2 hierarchy.
    judgment: false
    feeds: []
    workflow_phase: default_servicing
    owner_role: default_servicing_director
    secondary_owner_role: cco
    cadence: per-bulletin
    consequence: Missing a GSE bulletin change risks repurchase, servicing penalties, or non-compliance findings.
    tags:
      - fhlmc
      - bulletin-2026-2
      - loss-mitigation
      - servicing
      - effective-2026-05-01
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing)
      source_class: gse-bulletin
      source_url: https://www.tenaco.com/wp-content/uploads/2026/02/Freddie-Mac-Guide-Bulletin-2026-02-02-11-26.pdf
      snapshot_id: 321295695248a6ed
      fetched_at: '2026-06-08T00:00:00Z'
      content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
      paragraph_quote: 'We have updated Section 9201.2 to improve alignment with Fannie Mae and provide clearer guidance for Servicers, who are now required to do the following:'
      drafter_attestation: Verbatim from Freddie Bulletin 2026-2 snapshot. Section 9201.2 hierarchy update.

Verbatim regulatory text (1)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Freddie 2026-2 — loss-mit evaluation hierarchy (Section 9201.2), effective May 1, 2026

We have updated Section 9201.2 to improve alignment with Fannie Mae and provide clearer guidance for Servicers, who are now required to do the following:

Source: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing) · source URL · snapshot 321295695248a6ed