Preserving Dreams

We're with you every step of the way, shaping the solutions that help borrowers preserve dreams by building and maintaining hard-earned equity through successful long-term homeownership. At the same time, we're working with you to shape a mortgage industry that promotes homeownership security through responsible lending and servicing.

Preserving Dreams for Borrowers in Financial Hardship or Times of Crisis

Look to us to help you preserve the dream of homeownership for borrowers who are experiencing financial hardship or struggling with the impact of a major disaster:

• Help borrowers avoid foreclosure with policies and outreach tools that make a real difference.
• Assist Servicemembers with special options through the Servicemembers Civil Relief Act and Freddie Mac's own policies.
• Leverage Freddie Mac disaster relief guidelines to respond quickly with effective relief measures and guidance to help borrowers through the aftermath when a major disaster strikes.
• Assist victims of Hurricanes Katrina and Rita with temporary requirements for originating, delivering, and servicing mortgages in eligible Disaster Areas.

Preserving Dreams by Combatting Predatory Lending

Long-term homeownership can be challenging enough for borrowers without also being a victim of predatory lending or fraud. We work with lenders and servicers to combat predatory lending, by:

• Continuing our Don't Borrow Trouble® anti-predatory lending campaign, a national award-winning campaign that combines education and empowerment – showing consumers how to protect their homes and neighborhoods.
• Developing subprime lending standards to help reduce the risk of future borrower default.
• Promoting responsible servicing practices which serve as an example of what consumers can expect from Servicers of Freddie Mac-owned mortgages.
• Preventing mortgage fraud with information to help lenders develop and maintain a comprehensive quality control program, effectively manage your wholesale operations, and mitigate fraud losses.

Preserving Dreams with Dynamic Servicing Tools

With the right tools and incentives, peak servicing performance and exceptional default management are yours. Rely on our servicing requirements, best practices, and support tools to effectively manage your portfolio and help America's communities grow and remain strong.

• Use servicing tools and information that help servicers identify risks sooner and increase the probability of successful workout options.
• Maintain quality servicing with benchmark servicer performance measurements and incentives through our Servicer Performance Profiles and Servicer Tier One Platinum and Tier One Gold.