Resolve Release Summary

A new technology experience is here, providing an efficient path to reach resolution for mortgage relief and managing default activities. Resolve®  is an integrated default management solution that follows an agile approach to delivering capabilities iteratively for faster market solutions.

This article is updated periodically with upcoming and new release capabilities. 

RECENT RELEASES

User Interface (UI)

Access Resolve® from Freddie Mac GatewaySM and experience intuitive navigation and simple workflows. For new users, request access from your Access Manager administrator.

June 30, 2025

Updated State Foreclosure Timelines and Allowable Delay Calculations

  • As announced in Single-Family Seller/Servicer Guide (Guide) Bulletin 2025-5, State foreclosure timeline standards and allowable delay calculations have been updated to reflect the time it takes to process a foreclosure in a state

Foreclosure Sale Reporting Requirements

  • Total Debt, Actual Credit Bid Amount, Attorney Contact Name and Attorney Phone Number fields are now required to be included in the Foreclosure Sale Reporting template when reporting on Real Estate Owned (REO), third-party foreclosure sale and HUD/VA sales results.  
  • These changes provide more accurate reporting.
  • An updated Foreclosure Sale Reporting template that includes these updates is available in Resolve.

Foreclosure Sale Reporting Comments

  • Comments on the Foreclosure Sale Reporting file are now conditionally required on REO, third-party foreclosure sale and HUD/VA sales results when Total Debt is less than the Gross Unpaid Balance.
  • Comments are now conditionally required on REO, third-party foreclosure sale and HUD/VA sale results when the Actual Credit Bid is not equal to the lesser of the Freddie Mac Credit Bid or Total Debt.
  • These changes provide more accurate reporting.
  • An updated Foreclosure Sale Reporting template that includes these updates is available in Resolve.

New Foreclosure Sale Reporting Fatal Error Messages

  • Two new fatal error messages that identify loans (1) with recourse (SR000068) or (2) subject to an open repurchase request (SR000069) at the time of the Foreclosure Sale Reporting submission.
  • This provides further clarification earlier in the process and serves as a reminder to the servicer that the loan has a recourse or repurchase.

New Deed-in-Lieu of Foreclosure Fatal Error Message

  • A new fatal error message (LM000238) identifies loans subject to an open repurchase request at the time of the Deed-in-Lieu of Foreclosure file submission.
  • This provides further clarification earlier in the process and serves as a reminder to the servicer that the loan has a recourse or repurchase.

Updated Foreclosure Sale Reporting Mapping

  • The mapping for interest amount in the Surplus Over Payoff calculation for third-party foreclosure sale has been updated.
  • “Payoff Interest” will now be referred to as “Accrued Interest until Sale.”
  • This enhancement helps Freddie Mac reimburse the Servicer accurately for third party sales expenses.