Supplemental directive 10 02 2025

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Supplemental Directive 10-02 outlines updated policies for the Home Affordable Modification Program (HAMP) aimed at improving borrower outreach and communication. Effective June 1, 2010, it mandates servicers to proactively solicit eligible borrowers, prohibits foreclosure referrals until HAMP eligibility is determined, and requires specific communication protocols during the modification process. The directive also addresses procedures for borrowers in bankruptcy and emphasizes the need for clear documentation of all HAMP-related activities.

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