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Loss Mitigation

Use the following resources to learn about Freddie Mac's requirements, processes and technology for managing your loss mitigation activities, including how to process reinstatements, relief options and workout options.

Easy to Print References
Affordable Servicing Best Practices for Housing Counselors [PDF 79K]
Default Management Training and Education Resources [PDF 323K]     Updated
Early Indicator® [PDF 84K]
Early Indicator User Guide and Training Materials
Earn Rewards for Expert Servicing Brochure [PDF 270K]
Expense ManagerSM [PDF 67K]
Expert Servicing, Your Vital Role Brochure [PDF 346K]
Online Submission of Servicing Expense Reimbursement Claims (Form 104SF) [PDF 71K]
Promoting Responsible Servicing Practices [PDF 72K]
Workout Incentive Program [PDF 88K]
Workout Manager® [PDF 68K]
Workout Prospector® [PDF 74K]

Secured Resources for Servicers
More Loss Mitigation Resources for Servicers restricted access
You will need your Mortgage Servicing Products ID and password to access these materials.

Online Self-study
Alternatives To Foreclosure Overview - Recorded - 60 min
Incentive ManagerSM for Default Compensation & Fees - 30 min
Using Remedy Manager - 15 min
Using Workout Prospector Recorded - 76 min
Why use Default Reporting ManagerSM? - 45 min

Training Events workshop Workshop     webevent Web Event
Alternatives to Foreclosure workshop - 1 day
Alternatives to Foreclosure Overview web event - 2 hr

Additional Online Resources
Disaster Relief Guidelines
Helping Borrowers Avoid Foreclosure
Mortgage Servicing Products ID Order Form
Special Options for Service Members

Freddie Mac's Single-Family Seller/Servicer Guide
  • Chapter 64: Delinquencies
  • Chapter 65: Loss Mitigation
  • Chapter A65: Reinstatements and Relief Options
  • Chapter B65: Workout Options
  • Exhibit 76: Loan Modification for Delinquent Mortgages
  • Exhibit 77: Assignment of Rents Rider
  • Exhibit 78: Modification Due on Transfer Rider
  • Exhibit 86: Workout Prospector Member Agreement

© 2008 Freddie Mac