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Borrower Solicitation Requirements

As part of our HAMP requirements, Freddie Mac Servicers must proactively solicit borrowers who are 31 days or more delinquent on or after July 1, 2009, but no later than the 50th day of delinquency, using the available processes and tools. Servicers are prohibited from soliciting borrowers who are less than 31 days delinquent. However, if a borrower who is less than 31 days delinquent proactively seeks assistance from the Servicer, they may be considered for a modification under HAMP.

Solicitation Tools and Documentation

• A Proactive Solicitation Letter, Form 1120, that Servicers may use for borrowers who are 31 days or more delinquent for whom they do not have current financial information.
• A Documentation Request Letter, Form 1121, which may be used to collect additional required information from the borrower. – Updated June 2009
• A Request for Modification and Affidavit, Form 1114, which may be submitted by a borrower in lieu of the Making Home Affordable Hardship Affidavit (Form 1115) or the Home Affordable Modification Program Hardship Affidavit (Form 1122). – New (November 2009)
• A Home Affordable Modification Program Hardship Affidavit, Form 1122, to be signed by all borrowers in lieu of the Request for Modification and Affidavit (Form 1114) or Making Home Affordable Hardship Affidavit (Form 1115).– Updated August 2009
• A Making Home Affordable Hardship Affidavit, Form 1115, to be signed by all borrowers if they do not submit a Request for Modification and Affidavit (Form 1114) and the Servicer intends on sending a Trial Period Plan Notice – Stated (Form 1116) or Trial Period Plan Notice – Verified (Form 1117).– New (November 2009)
• A Trial Period Plan Cover Letter – Stated, Form 1123, for stated income borrowers who will receive a Home Affordable Modification Trial Period Plan (Form 3156).
• A Trial Period Plan Notice – Stated, Form 1116, for borrowers with stated income, and the Servicer does not use the Trial Period Plan Cover Letter – Stated (Form 1123) and Home Affordable Modification Trial Period Plan (Form 3156). Using this form requires either a signed Request for Modification and Affidavit (Form 1114) or Making Home Affordable Hardship Affidavit (Form 1115).– New (November 2009)
• A Trial Period Plan Cover Letter – Verified, Form 1124, for borrowers with verified income and will receive a Home Affordable Modification Trial Period Plan (Form 3156).
• A Trial Period Plan Notice – Verified,, Form 1117, for stated income if you do not use the Trial Period Plan Cover Letter – Verified (Form 1124) and Home Affordable Modification Trial Period Plan (Form 3156).– New (November 2009)
• A Home Affordable Modification Trial Period Plan, Uniform Instrument Form 3156. – Updated August 2009
• A Home Affordable Modification Agreement, Uniform Instrument Form 3157. Also available in Spanish (Uniform Instrument Form 3157s). – Updated August 2009
• An Agreement Cover Letter, Form 1118.
• A Counseling Referral Letter, Form 1119, that Servicers may use to inform borrowers they are required to attend credit counseling.
• A Special Inspector General Troubled Asset Relief Program (SIGTARP) Fraud Notice, Form 1125, that the Servicer must include with the Document Request Letter (Form 1121) or the Trial Period Plan Cover Letter – Stated (Form 1123). This form is not required if the Servicer uses either a signed Request for Modification and Affidavit (Form 1114) or Making Home Affordable Hardship Affidavit (Form 1115).
• A Request for Transcript of Tax Return, Form 4506-T.
• A Short Form Request for Individual Tax Return Transcript, Form 4506T-EZ. – New (October 2009)
• Borrower Financial Information, Form 1126. 
• Authorized Changes to Home Affordable Modification program documents in English and Spanish.

Expiration of Documents: Beginning March 1, 2010, Servicers may no longer use the Home Affordable Modification Program Hardship Affidavit (Form 1122), Making Home Affordable Hardship Affidavit (Form 1115), SIGTARP Fraud Notice (Form 1125), and Home Affordable Modification Trial Period Plan (Form 3156).

Servicers may download from our secure Web site the Freddie Mac and Making Home Affordable logos to co-brand envelopes and packages. Servicers may not use Freddie Mac's logo without also including its own logo and any other disclosures required by applicable federal, State, or local law (e.g., equal housing lender logo).