Do we own Your Mortgage? (#1) · Issues · Princess Grayndler / syrianproperties

Do we own Your Mortgage?

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- My Home by Freddie Mac®

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Income.
Affordable Lending.
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- Selling & Delivery.
Pricing & Contracting.
Manage Loan Data.
Loan Delivery.
Funding & Settlement

- Servicing.
General Servicing.
Investor Accounting.
Foreclosure Management.
Loss Mitigation

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1. Home.

Working With Us

Deed-in-Lieu

- Overview.

All Resources

What is a Deed-in-Lieu?

A deed-in-lieu (" deed in lieu of foreclosure") is a customer's voluntary conveyance of clear and marketable title of the residential or commercial property to Freddie Mac in exchange for a discharge of debt.

Getting going

If a debtor's hardship is long-term and they're not able to be authorized for any retention options or a brief sale option, the Servicer ought to examine the customer for a deed in lieu of foreclosure, a quicker and simpler process that makes it possible for having a hard time homeowners to exit with dignity from their homes.

The basic deed-in-lieu streamlines and simplifies the deal by:

- Avoiding foreclosure.
- Offering up to $7,500 in moving assistance for homeowners who meet certain requirements.
- Accelerating the decision-making procedure by handing over approval of authority to Servicers.

Borrower Eligibility

All borrowers are qualified for a deed-in-lieu under the following conditions:

- A customer who doesn't meet the requirements for a streamlined deed in lieu of foreclosure need to be experiencing or have experienced among the eligible challenges listed in Single-Family Seller/Servicer Guide (Guide) Section 9202.2( a).
- The customer needs to have the ability to communicate clear and marketable title to the mortgaged facilities to Freddie Mac.
- The customer isn't delinquent, hasn't acquired a new mortgage in the six months preceding the customer's delinquency or, if the debtor is present in the six months preceding examination for a deed-in-lieu, the debtor is only permitted to have actually acquired a if their qualified challenge was far-off work transfer.
- if the Borrower is current, in the six months preceding the evaluation of the Borrower for a deed-in-lieu of foreclosure.
- The Borrower is only allowed to have actually acquired a brand-new Mortgage if the Borrower's eligible difficulty was remote employment transfer.
Exceptions: There are some circumstances where the Servicer should submit a deed-in-lieu suggestion to Freddie Mac:

- If the residential or commercial property is condemned and/or broker rate opinion (BPO) reveals that the residential or commercial property has actually been badly maintained, has structural/foundation problems or needs major repairs.
- If a borrower does not fulfill eligibility requirements for a deed in lieu of foreclosure but the Servicer feels it might be the very best choice for resolving the delinquency. The Servicer ought to also submit a complete Borrower Response Package (BRP).
However, unless informed by Freddie Mac, all Servicers are entrusted to authorize a deed in lieu of foreclosure that satisfies the eligibility requirements of Section 9209.2( a)

Borrower Documentation

Borrower paperwork is based upon delinquency. Borrowers who are more than 18 months overdue need to be evaluated for a structured deed-in-lieu.

For more information about deeds-in-lieu, describe Chapter 9209.

All Resources

Guide and policy

Guided Answer: Deed-in-Lieu. Guide Section 9201.2: Freddie Mac loss mitigation examination hierarchy. Guide Section 9101.4: Foreclosure suspension responsibilities and additional brief sale and deed-in-lieu of foreclosure requirements once the First Complete Borrower Response Package is gotten. Guide Section 9208.8: Closing, reporting, preparing and remittance requirements for brief sales and make-whole preforeclosure sales

Factsheets and lists

Home Affordable Foreclosure Alternatives (HAFA).
Foreclosure Sale Bidding Instructions

Helping you comprehend standard deed-in-lieu

Guided Answer: Deed-in-Lieu

Related resources and help

Freddie Mac Standard Short Sale FAQ.
Subscription Center

Get and stay gotten in touch with Freddie Mac Single-Family. Register for our emails and we'll send out the info that you want directly to your e-mail inbox.
blogspot.com

[blogspot.com](https://belpatram.blogspot.com/) Insights, items, and technology to assist you grow your organization.
- Seller/Servicer Guide 
 Learn how to work with us with our Guide Bulletins and Industry Letters. 
 - My Home by Freddie Mac&reg; 
 & reg; Resources to assist you rent, purchase, and own your home.
- Do we own your mortgage? 
 Learn if Freddie Mac owns your loan utilizing our safe lookup tool.
- Did we fund your home? 
 Use our lookup tool to see if Freddie Mac funded your apartment.
- CreditSmart&reg; 
 & reg; Financial and homeownership education resources everything about you. 
 - Working with Us
- Technology
- [Learning](https://pl-property.com)
- News & Insights
- Search
- Seller/[Servicer](https://meza-realestate.com) Guide 
 - Toggle 
 - Working with Us - Become a Seller/Servicer - Responsible Lending
- Resources for Responsible Lending
- Requirements
- Annual Certification and Change and Activity Reporting 
 - Improving Workflow
- Mortgage Products
- Resources & Learning 
 - Selling with Confidence
- Delivery, Options & Pricing
- Resources & Learning 
 - Servicing Excellence
- Servicing Products and Programs
- Resources 
 - Solutions
- Reaching Borrowers
- News & Insights 
 - eDisclosures and [eClosings](https://sikkimclassified.com)
- eMortgages
- Participants and Vendors
- Review/Approval Requirements
- eSign for Loss Mitigation
- eMortgage Client Trainings 
 - Fraud Prevention and Best Practices
- Exclusionary List 
 - Supporting Customers
- Education & Insights 
 - HFA Resource Center
- Housing Finance Agency Forms
- Contact Us 
 - Training 
 - Integrated SMAs 
 - System Status - Freddie Mac Gateway
- Condo Project Advisor
- Loan [Collateral Advisor](https://inmobiliariasantander.com.mx)
- Loan Closing Advisor
- Loan Collateral Advisor
- Loan Coverage Advisor
- Loan Product Advisor
- Loan Quality Advisor
- Loan Selling Advisor
- Quality Control Advisor
- Attorney Data Reporting (ADR).
- BPODirect.
- Cash Manager.
- Default Fee Appeal System.
[- Electronic](https://riserealbali.com) Default Reporting (EDR).
- eBill.
- Loan Level Reporting.
- Payments Automated Intelligent and Dynamic (PAID).
- Post-Fund Data Correction Tool.
- Real Estate Valuation and Pricing.
- Resolve.
- Servicer Performance Profile.
- Servicing [Data Corrections](https://sherwoodhomesomaha.com).
- Servicing Transfer Manager.
- Total MI Claims.
- Total MI Reconciliations 
 - Our Solutions.
- Begin with Freddie Mac Gateway.
- Technology Releases.
- Technology Release Archive.
- Technology Learning.
- Freddie Mac Tools Request Form 
 - Get going 
 - Software Partner Resource Center 
 - Origination APIs.
- Getting Going with APIs 
 - Get Started with ECO 
 - Uniform Appraisal Dataset.
- Uniform Closing Dataset.
- Uniform Collateral Data Portal.
- Uniform Loan Delivery Dataset 
 - 2001 Construction Conversion Modification Agreements.
- 2021 Updated Instruments.
- News & Updates 
 - Beginning.
- Origination & Underwriting.
- Selling & Delivery.
- Servicing.
- Loan Product Advisor [Training](https://negomboproperty.lk).
- Income.
- Affordable Lending.
- Mortgage Products.
- Pricing & Contracting.
- Manage Loan Data.
- Loan Delivery.
- Funding & Settlement.
- General Servicing.
- Investor Accounting.
- Foreclosure Management.
- Loss Mitigation 
 - All Insights & Research.
- All News & Announcements.
- Mortgage Technology.
- Business.
- Market of the Future.
- Home Starts Here Podcast 
 - Process.
- Become a Seller/Servicer.
- Origination & Underwriting.
- Selling & Delivery.
- Servicing 
 - Programs.
- Affordable Lending.
- CreditSmart.
- DPA One.
- eMortgage.
- Foreclosure Prevention.
- Fraud Prevention 
 - Partners.
- Housing Counselors.
- Housing Finance Agencies 
 - Spacer Only.
- Real Estate Professionals.
- Secondary Market Advisors.
- Software Partners 
 - Featured Technology.
- System Status.
- Freddie [Mac Gateway](https://multiplanet.ae).
- Access Manager 
 - Spacer.
- TPO Direct Access Sign-up.
- TPO Sponsored Access Sign-up.
- Software Partners 
 - Spacer.
- API Solutions.
- ECO: Evaluate|Compare|Optimize 
 - Spacer.
- Uniform Mortgage Data Program (UMDP).
- Uniform Instruments 
 - Training Areas.
- Starting.
- Origination & Underwriting.
- Selling & Delivery.
- Servicing 
 - Origination & Underwriting.
- Loan Product Advisor Training.
- Income.
- Affordable Lending.
- Mortgage Products 
 - Selling & Delivery.
- Pricing & Contracting.
- Manage Loan Data.
- Loan Delivery.
- Funding & Settlement 
 - Servicing.
- General Servicing.
- Investor Accounting.
- Foreclosure [Management](https://barabikri.com).
- Loss Mitigation 
 - Browse.
- All Insights & Research.
- All News & Announcements 
 - Featured Topics.
- Mortgage Technology.
- Business.
- Market of the Future 
 - Media.
- Home Starts Here Podcast 
 - Servicing.
- Servicing Excellence.
- Products & Programs.
- Resources.
- Login 
 Servicing Excellence.
 Resources.
 Login 
 1. Home.
2. Working With Us 
 Deed-in-Lieu 
 [- Overview](https://patrimoniomallorca.com).
- All Resources 
 What is a Deed-in-Lieu? 
 A deed-in-lieu (" deed in lieu of foreclosure") is a customer's voluntary conveyance of clear and marketable title of the residential or commercial property to Freddie Mac in exchange for a discharge of debt. 
 Getting going 
 If a debtor's hardship is long-term and they're not able to be authorized for any retention options or a brief sale option, the Servicer ought to examine the customer for a deed in lieu of foreclosure, a quicker and simpler process that makes it possible for having a hard time homeowners to exit with dignity from their homes. 
 The basic deed-in-lieu streamlines and simplifies the deal by: 
 - Avoiding foreclosure.
 - Offering up to $7,500 in moving assistance for [homeowners](https://lourealtygrp.com) who meet certain requirements.
 - Accelerating the decision-making procedure by handing over approval of authority to Servicers.
 
Borrower Eligibility 
 All borrowers are qualified for a deed-in-lieu under the following conditions: 
 - A customer who doesn't meet the requirements for a streamlined deed in lieu of foreclosure need to be experiencing or have experienced among the eligible challenges listed in Single-Family Seller/Servicer Guide (Guide) Section 9202.2( a).
 - The customer needs to have the ability to communicate clear and marketable title to the mortgaged facilities to Freddie Mac.
 - The customer isn't delinquent, hasn't acquired a new [mortgage](https://homematch.co.za) in the six months preceding the customer's delinquency or, if the debtor is present in the six months preceding examination for a deed-in-lieu, the debtor is only permitted to have actually acquired a if their qualified challenge was far-off work transfer.
 - if the Borrower is current, in the six months preceding the evaluation of the Borrower for a deed-in-lieu of [foreclosure](https://glorycambodia.com).
 - The Borrower is only allowed to have actually acquired a brand-new Mortgage if the Borrower's eligible difficulty was remote employment transfer.
 
Exceptions: There are some circumstances where the Servicer should submit a deed-in-lieu suggestion to Freddie Mac: 
 - If the residential or commercial property is condemned and/or broker rate opinion (BPO) reveals that the residential or commercial property has actually been badly maintained, has structural/foundation problems or needs major repairs.
 - If a borrower does not fulfill eligibility requirements for a deed in lieu of foreclosure but the Servicer feels it might be the very best choice for resolving the delinquency. The Servicer ought to also submit a complete Borrower Response Package (BRP).
 
However, unless informed by Freddie Mac, all Servicers are entrusted to authorize a deed in lieu of foreclosure that satisfies the eligibility requirements of Section 9209.2( a) 
 Borrower Documentation 
 Borrower paperwork is based upon delinquency. Borrowers who are more than 18 months overdue need to be evaluated for a structured deed-in-lieu. 
 For more information about deeds-in-lieu, describe Chapter 9209. 
 All Resources 
 Guide and policy 
 Guided Answer: Deed-in-Lieu.
Guide Section 9201.2: Freddie Mac loss mitigation examination hierarchy.
Guide Section 9101.4: Foreclosure suspension responsibilities and [additional](https://myassetpoint.com) brief sale and deed-in-lieu of foreclosure requirements once the First Complete Borrower Response Package is gotten.
Guide Section 9208.8: Closing, reporting, preparing and remittance requirements for brief sales and make-whole preforeclosure sales 
 Factsheets and lists 
 Home Affordable Foreclosure Alternatives (HAFA).
 Foreclosure Sale Bidding Instructions 
 
Helping you comprehend standard deed-in-lieu 
 Guided Answer: Deed-in-Lieu 
 Related resources and help 
 Freddie Mac Standard Short Sale FAQ.
 
Subscription Center 
 Get and stay gotten in touch with Freddie Mac Single-Family. Register for our emails and we'll send out the info that you want directly to your e-mail inbox. [blogspot.com](https://belpatram.blogspot.com/)