All Freddie Mac bulletins are found directly on FreddieMac.com.

• Bulletin 2010-32: Extension of Service Member Foreclosure Protection Bulletin on FreddieMac.com
  • Extends service member foreclosure protection to 12/31/11.

• Bulletin 2010-31: Uniform Appraisal Dataset and Uniform Collateral Data Portal Requirements Bulletin on FreddieMac.com
  • Provides requirements for the Uniform Appraisal Dataset (UAD) and Uniform Collateral Data Portal (UCDP).

• Bulletin 2010-30: Postsettlement Delivery Fees Bulletin on FreddieMac.com
  • Revises postsettlement delivery fees, effective 3/1/11.

• Bulletin 2010-29: Selling Bulletin on FreddieMac.com
  • Announces new pooling option for super conforming mortgages
  • Announces improvements to Selling System
  • Reminds Sellers that Notes may not be endorsed by using stickers

• Bulletin 2010-28: 2011 Loan Limits Bulletin on FreddieMac.com
  • Announces that Freddie Mac is maintaining temporary loan limits in designated high-cost areas at 2010 levels through 9/30/11, and base loan limits will remain at 2010 levels.

• Bulletin 2010-27: Servicing Bulletin on FreddieMac.com
  • Announces changes to servicing requirements and additional guidance on HAMP
    • Designated counsel may request Note directly from document custodian in foreclosure actions
    • Guidance on late charges associated with forbearance agreements and repayment plans
    • Modified mortgage must be fully amortizing fixed-rate mortgage
    • Updated contact information for servicers to notify Freddie Mac that conversion option has been exercised for convertible ARM

• Bulletin 2010-26: Foreclosure and Bankruptcy Referrals in Florida Bulletin on FreddieMac.com
  • Announces that servicers may not refer any new Freddie Mac foreclosure or bankruptcy cases to Law Offices of David J. Stern, P.A. in Florida.

• Bulletin 2010-25: Servicer Requirements for Hardest Hit Bulletin on FreddieMac.com
  • Provides guidance to servicers for interactions with Hardest Hit Fund Unemployment and Reinstatement Programs.

• Bulletin 2010-24: State Farm Florida Insurance Company Bulletin on FreddieMac.com
  • Announces that Freddie Mac will accept insurance from State Farm Florida Insurance Company…

• Bulletin 2010-23: Selling and Servicing
  • Announces Appraiser Independence Requirements, which replace HVCC
  • Makes changes to requirements regarding:
    • Property eligibility
    • Credit
    • Eligibility requirements for Freddie Mac counterparties
    • Operational
    • Mortgage insurance

• Industry Letter, dated 10/1/10: Foreclosure Proceedings
  • Announces that servicers must review affidavit policies related to foreclosure by October 18, 2010.

• Bulletin 2010-22: Selling and Servicing
  • Updates Guide, including enhancements to fraud prevention, Exclusionary List, OFAC compliance, etc.

• Bulletin 2010-21: Extension of Settlement Deadline for Freddie Mac’s HAMP Backup Modification Solution to December 1, 2010
  • Extends settlement deadline for HAMP Backup Modifications to December 1, 2010.

• Bulletin 2010-20: Mortgages Secured by Properties with an Outstanding Property Assessed Clean Energy (PACE) Obligation
  • Provides guidance regarding Freddie Mac’s purchase of mortgages with a Property Assessed Clean Energy (PACE) obligation.

• Bulletin 2010-19: Selling
  • Makes changes to selling requirements, including providing guidance on 2010 median income changes, revising underwriting requirements regarding inquiries on borrower’s credit report, etc.

• Bulletin 2010-18: Special Characteristics Codes and Other Codes Mapped to MISMO Data Points
  • Announces Freddie Mac’s reduction of dependence on Special Characteristics Codes (SCCs) and other delivery codes, as part of MISMO transition.

• Bulletin 2010-17: Comprehensive Guide Chapter C65 Update and New Requirements for the Home Affordable Modification Program (HAMP)
  • Updates Guide and adds new HAMP requirements.

• Bulletin 2010-16: Selling and Servicing
  • Provides guidance for sellers about Florida Condominium Effort
  • Introduces new requirements for servicers about short sales, HAFA EDR codes, and payment of non-performing loans invoices

• Bulletin 2010-15: Freddie Mac Implementation Guide for Loan Delivery Data Published
  • Announces publication of Freddie Mac Implementation Guide for Loan Delivery Data. Requirements effective for all loans delivered to Freddie Mac on or after 9/1/11.

• Industry Letter, dated June 25, 2010: Problem Drywall
  • Provides guidance and forbearance options for problem drywall.

• Bulletin 2010-14: Amendment to Freddie Mac’s HAMP Backup Modification Requirements
  • Revises certain eligibility, solicitation and reporting requirements for HAMP Backup Modifications. Also revises settlement timeline…

• Bulletin 2010-13: Selling Changes
  • Amends Guide related to PUDs, Relief Refinance Mortgages, interested party contributions.

• Bulletin 2010-12: Home Affordable Foreclosure Alternatives
  • Announces Freddie Mac’s requirements for the Treasury’s Home Affordable Foreclosure Alternatives (HAFA) initiative. Effective 8/1/10.

• Bulletin 2010-11: Freddie Mac HAMP Backup Modification
  • Announces changes for HAMP Backup Modification, Cap-to-Reinstate modification, and HAMP requirements to permit use of a Servicer’s proprietary form to collect borrower’s financial information…

• Industry Letter, dated 5/5/10: First Lien Mortgages and Energy Efficient Loans
  • Reminds “Seller/Servicers that an energy-related lien may not be senior to any Mortgage delivered to Freddie Mac. Seller/Servicers should determine whether a state or locality in which they originate mortgages has an energy loan program, and whether a first priority lien is permitted…”

• Bulletin 2010-10: Servicing
  • Announces new Reimbursement System for submitting expense reimbursement requests.

• Bulletin 2010-9: Selling and Servicing
  • Amends both selling and servicing requirements, such as max LTV for Rural Housing, revised requirements for Servicing Released Sales Process (effective 5/1/10), etc.

• Bulletin 2010-8: Florida Condominium Projects
  • Announces Florida Condominium Effort to increase the availability of financing for Florida condos.

• Bulletin 2010-7: Credit and Property Eligibility
  • Revises certain credit and property eligibility requirements.

• Bulletin 2010-6: Freddie Mac Relief Refinance Mortgage Offering Extended
  • Extension of Relief Refinance Mortgages—must have Note Dates on or before June 30, 2011.

• Bulletin 2010-5: Selling and Servicing
  • Announces enhancing Loan Prospector to provide a point value estimate from HVE for a property address.

• Bulletin 2010-4: Multiple Subjects
  • Covers multiple topics, including requiring Sellers to take out separate fixed-rate Cash contracts for Relief Refis with higher LTVs (effective 2/22/10).

• Bulletin 2010-3: Home Affordable Modification Program
  • Provides guidance on HAMP, including new requirement for full verification of borrower eligibility after servicer receives “Initial Package.”

• Bulletin 2010-2: FHA-Approved Project Review for Condominiums
  • Revises Guide so that Sellers may only use FHA Condominium approval to determine eligibility for sale to Freddie Mac for certain mortgage types.

• Bulletin 2010-1: Home Affordable Modification Program
  • Announces changes to HAMP, mandates use of newly introduced Imminent Default Indicator (effective March 1, 2010), revises imminent default requirements, etc.

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