LOAN MODIFICATION: STEP 2, PUBLISHED GUIDELINES?

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So, you have identified the Owner or Guarantor of the loan in Step 1.  Consider yourself lucky.  This means that the Owner or Guarantor has published guidelines.  And, if you love math and love reading, you can get a very good idea what the Servicer/Bank should do.  Below, you will find the most recent links to published guidelines.   

   Trap for the unwary: GUIDELINES CHANGE.    Banks and Servicers may interpret guidelines differently.

Published Guidelines

Fannie Guidelines: https://servicing-guide.fanniemae.com/

Freddie Guidelines: https://guide.freddiemac.com/app/guide/segment/Servicing

VA Guidelines: M26-4 - Web Automated Reference Material System (va.gov)

FHA Guidelines: FHA SF Loss Mitigation | HUD.gov / U.S. Department of Housing and Urban Development (HUD)

USDA Guidelines: Loan Servicing | Rural Development (usda.gov)