Request Exception Review

Overview

When a Flex Modification workout request is in one of the following loan statuses, the Servicer may submit a request for an exception review to Freddie Mac to review and decision:

Ineligible for Trial Period Approval
Ineligible for Approval
Ineligible for Settlement

Note: Exception Review requests are not applicable for Draft Requests (DRAFTReq).

There are two methods for uploading an Exception Review Request for Flex Modification workouts depending on the submission path.

For API users:

Submit the workout request with the Exception Review Indicator of 'Y' to submit to Freddie Mac for an exception review for any of the following workout reporting status types:

Trial Period Approval
Workout Approval Request
Settlement Request

Refer to the Resolve® Retention API Guide available on the Developer Portal for additional guidance.

For UI users:

Submit a workout request with an Exception Review Indicator of 'Y' to submit to Freddie Mac as an exception review for any of the following workout reporting status types for Flex Modifications:

Trial Period Approval
Workout Approval Request
Settlement Request

Refer to the Flex Modification Template for additional guidance (i.e., exception review indicator).

Important: Review your loan request details before you consider submitting a request for an Exception Review. If applicable, address any possible issue that's rendering the request ineligible and resubmit your request.

The two options below are applicable to both API and UI users:

How to request an Exception Review via an upload file

Provide the Exception Review Indicator of 'Y' (Yes) in your upload file and the rationale/comments for the exception request in the Comments field.

Important: Effective October 1, 2023, the exception review indicator automatically defaults to N (No) on the file template. Click the drop-down arrow to select Y (Yes), when applicable.

How to request an Exception Review from the Details page

Refer to the process steps below to request an exception review through the Details page in Resolve.

The steps are applicable to requesting an exception review through Resolve's user interface (UI) for a request that is in a status of INELIGIBLE FOR TRIAL PERIOD:

1. From the Details page, select button from the top right side of the page.

2. An "Are You Sure?" pop-up box displays. Enter comments as applicable and select either the CONFIRM SUBMIT or CANCEL button.

Select:	To:
	Submit the exception review request to Freddie Mac for decisioning.
	Cancel the exception review request and remain on the Details page.

3. The Success pop-up box displays with the message Trial Period approval of loan #345678911 has been submitted successfully for exception review.

4. The dashboard page displays the request in a SUBMITTED FOR REVIEW status.

Learn more about:

Upload Flex Modification Submissions

Info Requested Status

Providing Updated Data

Editable Borrower Financial Fields