Freddie Mac Resolve Liquidation
Request short sale approvals to Resolve, the integrated default management platform. Directly integrate while maintaining your user experience and receive rapid, rules-based eligibility decisions and approvals.
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OpenAPI Specification
{
"openapi": "3.0.1",
"info": {
"title": "Resolve Liquidation",
"version": "1.0.0"
},
"servers": [
{
"url": "https://api-test.freddiemac.com/singlefamily/servicing/v1/resolve/liquidation-service/api"
}
],
"tags": [
{
"name": "Resolve Liquidation API",
"description": "Resolve Liquidation API is a quicker, more efficient solution to submit short sale requests to Freddie Mac for decisioning and settlement. The API returns a real-time response that include eligibility decision, rationale for each loan submitted or actionable messages. For eligible responses you’ll also receive property and minimum net proceed values (if available), approvals and calculated net proceeds (if applicable). Connect directly to Resolve and eliminate the need for data entry through Workout Prospector®."
}
],
"security": [
{
"bearerAuth": []
}
],
"paths": {
"/shortsale": {
"post": {
"tags": [
"Resolve Liquidation API"
],
"summary": "Delivers real-time eligibility decisions and data for single or bulk short sale submissions.",
"description": "",
"operationId": "requestWorkoutUsingPOST",
"requestBody": {
"description": "Workout Service Request",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/WorkoutServiceRequest"
},
"examples": {
"LoanEligibleForShortSale": {
"$ref": "#/components/examples/RequestScenario1"
},
"LoanNotEligibleExceptionReviewNotRequested": {
"$ref": "#/components/examples/RequestScenario2"
},
"LoanNotEligibleExceptionReviewRequested": {
"$ref": "#/components/examples/RequestScenario3"
}
}
}
},
"required": true
},
"responses": {
"200": {
"description": "<b>OK</b> Request succeeded.\r\n\n <b>Sample Eligibility Messages</b> <br/> <ul> <li><strong>LM000047 </strong>Loan is in <i>status</i> status. Please review request and submit to Freddie Mac for exception review if necessary.\r\n </li><li><strong>LM000048 </strong>Sale must be an arm’s length transaction. All parties involved in the sale must be unrelated/unaffiliated.\r\n </li> <li><strong>LM000049 </strong>Total payment to junior lien holders is greater than $6,000. \r\n </li> <li><strong>LM000050 </strong>Payoff of the second mortgage loan cannot be greater than Second Lien UPB amount.\r\n </li> <li><strong>LM000052 </strong>Net Sale Proceeds does not meet Minimum Net Proceeds.\r \n </li> <li><strong>LM000053 </strong>Loan is active. Borrower does not have a qualifying hardship reason. Hardship Reason provided in the request is <<Hardship_Reason_Type_List::Alphanumeric>>.\r\n </li> <li><strong>LM000054 </strong>Loan is active and property is not Primary Residence.\r\n </li> <li><strong>LM000055 </strong>Borrower has Non Retirement Liquid Assets greater than $50,000.\r\n </li> <li><strong>LM000056 </strong>Cash contribution is less than minimum Borrower Cash Contribution requirement.\r\n </li> <li><strong>LM000057 </strong>Property does not meet MLS listing requirement, and was listed on MLS for less than 5 days.\r\n </li> <li><strong>LM000058 </strong>Borrower acquired a new mortgage within six months of DDLPI.\r\n </li> <li><strong>LM000059 </strong>Agent commissions exceed 6% of sales price.\r\n </li> <li><strong>LM000060 </strong>Cash Contribution is less than what was negotiated. Please validate the amount and resubmit.\r\n </li> <li><strong>LM000061 </strong>The amount paid to second mortgage lien holder(s) exceeds the authorized amount. Please validate the amount and resubmit.\r\n </li> <li><strong>LM000062 </strong>The amount paid for relocation expenses exceeds the authorized amount. Please validate the amount and resubmit.\r\n </li> <li><strong>LM000063 </strong>Final Net Proceeds amount is less than the authorized amount. Please send to Freddie Mac for Manual Settlement Review.\r\n </li> <li><strong>LM000064 </strong>MNP amount is missing. Please send to Freddie Mac for Manual Settlement Review.\r\n </li> <li><strong>LM000065 </strong>Loan is not eligible for Short Sale liquidation. Please review the Freddie Mac response and validate the terms submitted.\r\n </li> <li><strong>LM000066 </strong>Loan is approved for Short Sale liquidation. Please review the final terms and submit for Settlement.\r\n </li> <li><strong>LM000067 </strong>Loan cannot be processed for Short Sale Liquidation Settlement. Please review the Freddie Mac response and resubmit the corrected information or submit for manual review.\r\n </li> <li><strong>LM000068 </strong>Loan has been successfully submitted for Settlement. Please review your Manager Series reports for updates.\r\n </li> <li><strong>LM000069 </strong>Loan is Credit Enhanced with Recourse. \r\n </li> <li><strong>LM000089 </strong>Cooperative Share loan is ineligible for delegated short sale approval.\r\n </li> <li><strong>LM000090 </strong>Borrowers making cash contribution are not eligible for relocation incentive. Please validate contribution amount and relocation incentive amount and resubmit.\r\n </li> <li><strong>LM000091 </strong>Borrowers receiving DLA/Government Relocation Assistance are ineligible for Freddie Mac relocation incentive. \r\n </li> <li><strong>LM000092 </strong>Total relocation from Freddie Mac and alternative relocation source exceeds the authorized amount of $3,000.\r\n </li> <li><strong>LM000093 </strong>Cash contribution is less than minimum Borrower Cash Contribution requirement and no justification provided.\r\n </li> <li><strong>LM000094 </strong>Borrower cash contribution is less than calculated amount. Please ensure circumstances for reduced contribution amount are documented.\r \n </li> <li><strong>LM000099 </strong>Borrower ineligible for relocation assistance. Property is not Primary Residence or Owner Occupied. \r\n </li> <li><strong>LM000100 </strong>Loan is and not eligible for Freddie Mac Short Sale process. Please ensure Short Sale request is compliant with agency guidelines and follow claim filing process as outlined in Guide or submit to Freddie Mac for exception review if necessary. \r\n </li> <li><strong>LM000103 </strong>Property has not met MLS listing requirement and is not eligible for delegated shortsale review.\r\n </li> <li><strong>LI001100 </strong>data element is required.\r\n </li> <li><strong>LI001101 </strong>data element is invalid.\r\n </li> <li><strong>LI001152 </strong>Freddie Mac Loan Number is duplicate.\r\n </li> <li><strong>LI001163 </strong>Servicer number provided on the request is not authorized to process the loan.\r\n </li> <li><strong>LI001000 </strong>Invalid Schema.\r\n </li> <li><strong>LI001001 </strong>JSON parse exception.\r\n </li> <li><strong>LI001050 </strong>Exception occurred during processing. Please resubmit the workout request.\r\n </li> <li><strong>LI001152 </strong>Freddie Mac Loan Number is duplicate.\r\n </li> <li><strong>LI002001 </strong>Requested Loan Number does not belong to Freddie Mac.\r\n </li> <li><strong>LI002002 </strong>Freddie Mac Loan Number does not belong to the Servicer.\r\n </li> </ul>",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/WorkoutServiceResponse"
},
"examples": {
"LoanEligibleForShortSaleResponse": {
"$ref": "#/components/examples/ResponseScenario1"
},
"LoanNotEligibleExceptionReviewNotRequestedResponse": {
"$ref": "#/components/examples/ResponseScenario2"
},
"LoanNotEligibleExceptionReviewRequestedResponse": {
"$ref": "#/components/examples/ResponseScenario3"
}
}
}
}
},
"400": {
"description": "<b>Bad Request</b> \r\n\n <font size='1' color='black'><b>Error codes & details</b></font> \r\n\n <ul> <li><B>400.001</B> Malformed content from the client \r\n\n </li><li><B>400.002</B> Request data does not match the application schema, please validate the request data. \r\n\n</li><li><B>400.005</B> Empty request body \r\n\n </li><li><B>400.006</B> Content-type must be application/json \r\n\n </li></ul>",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Error"
},
"example": {
"code": "400.006",
"message": "Missing header Content-type",
"details": [
{
"error": "Content-type must be application/json"
}
]
}
}
}
},
"401": {
"description": "<b>Unauthorized</b> \r\n\n <font size='1' color='black'><b>Error codes & details </b></font> \r\n\n <ul><li><B>401.001</B> Invalid Access Token, please validate the token, if error persists please renew your token. \r\n\n </li><li><b>401.002</b> Access Token Expired, please renew your access token. \r\n\n </li><li><b>401.003</b> API Product mismatch for token. Your token does not have access to the requested API \r\n\n </li><li><b>401.004</b> Invalid API Key, please validate the Client ID \r\n\n </li><li><b>401.005</b> Invalid API Key for given resource \r\n\n </li><li><b>401.006</b> Insufficient scope for Application \r\n\n </li><li><b>401.007</b> Invalid Username/Password combination, the provided combination of username and password is incorrect, please verify your credentials. \r\n\n </li><li><b>401.008</b> Invalid Refresh Token. \r\n\n </li><li><b>401.009</b> Invalid client secret \r\n\n </li><li><b>401.010</b> Refresh Token expired.</li></ul>",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Error"
},
"example": {
"code": "401.002",
"message": "Access Token Expired",
"details": {
"error": "Access Token Expired, please renew your access token."
}
}
}
}
},
"404": {
"description": "<b>Not Found</b> \r\n\n <font size='1' color='black'><b>Error codes & details </b></font> \r\n\n <b>404.001</b> No resource for POST <b>/path</b>",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Error"
},
"example": {
"code": "404.001",
"message": "No resource for POST /path",
"details": {
"error": "No resource for POST /path"
}
}
}
}
},
"429": {
"description": "<b>Too Many Requests</b> \r\n\n <font size='1' color='black'><b>Error codes & details </b></font> \r\n\n <b>429.001</b> Rate limit exceeded, too many requests have been sent per second. \r\n\n <b>429.002</b> Quota limit exceeded, too many requests have been sent per minute.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Error"
},
"example": {
"code": 429.001,
"message": "Rate limit exceeded",
"details": {
"error": "Rate limit exceeded, too many requests have been sent per second."
}
}
}
}
},
"500": {
"description": "<b>Internal server error.</b> \r\n\n <font size='1' color='black'><b>Error codes & details </b></font> \r\n\n <b>500</b> Internal server error.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Error"
},
"example": {
"code": "500",
"message": "Internal server error",
"details": [
{
"error": "Liquidation API is unable to retrieve data for the submitted request at this time. Please resubmit or contact Customer Support at (800-FREDDIE) for assistance."
}
]
}
}
}
}
},
"x-codegen-request-body-name": "workoutServiceRequest"
}
}
},
"components": {
"schemas": {
"Error": {
"type": "object",
"properties": {
"code": {
"type": "string"
},
"message": {
"type": "string"
},
"details": {
"type": "array",
"items": {
"title": "The Items Schema",
"type": "object",
"properties": {
"error": {
"description": "error messages",
"type": "string"
}
}
}
}
}
},
"WorkoutServiceRequest": {
"title": "WorkoutServiceRequest",
"description": "The root schema comprises the entire JSON document.",
"type": "object",
"properties": {
"message": {
"title": "The Message Schema",
"type": "object",
"properties": {
"aboutVersions": {
"title": "The Aboutversions Schema",
"description": "Dataset to capture the header information",
"type": "object",
"properties": {
"aboutVersion": {
"title": "The Aboutversion Schema",
"description": "Dataset to capture the header information",
"type": "object",
"properties": {
"aboutVersionIdentifier": {
"title": "The Aboutversionidentifier Schema",
"description": "This is the version number of the schema in use",
"type": "string",
"example": "S1.0.01"
},
"createdDatetime": {
"title": "The Createddatetime Schema",
"description": "The date and time stamp of response schema creation",
"type": "string",
"example": "2019-09-19T09:29:11Z"
}
},
"required": [
"aboutVersionIdentifier",
"createdDatetime"
],
"default": {}
}
},
"required": [
"aboutVersion"
],
"default": {}
},
"requestData": {
"title": "The Requestdata Schema",
"description": "Collection of the data attributes that depicts the request attributes within a workout request",
"type": "object",
"properties": {
"workoutList": {
"title": "The Workoutlist Schema",
"description": "Collection of the data attributes on the workout request",
"type": "array",
"items": {
"title": "The Items Schema",
"type": "object",
"properties": {
"externalData": {
"title": "The Externaldata Schema",
"description": "An explanation about the purpose of this instance.",
"type": "object",
"properties": {
"workoutReportingStatusType": {
"title": "The Requesttype Schema",
"description": "A discrete set of values that describe the stage the workout process is in.",
"type": "string"
},
"workoutProgramType": {
"title": "The Workoutprogramtype Schema",
"description": "The type of workout being processed",
"type": "string"
},
"servicerAccountIdentifier": {
"title": "The Sellerservicernumber Schema",
"description": "Unique identifier, issued by Freddie Mac, for the individual Seller or Servicer. ",
"type": "string"
},
"loanIdentifier": {
"title": "The Loanidentifier Schema",
"description": "Unique Freddie Mac identifier assigned to a financial instrument within the system.",
"type": "string"
},
"exceptionReviewRequestID": {
"type": "string"
},
"exceptionReviewRequestIndicator": {
"type": "string"
},
"servicerLoanIdentifier": {
"title": "The Servicer Loan Identifier Schema",
"description": "A unique identifier assigned by the servicer to identify the loan.",
"type": "string"
},
"borrowerResponsePackageReceivedDate": {
"title": "The Borrowerresponsepackagereceiveddate Schema",
"description": "This is the date on which the servicer receives the Borrower response package from the borrower.",
"type": "string"
},
"loanImminentDefaultIndicator": {
"title": "The Loanimminentdefaultindicator Schema",
"description": "Indicate whether or not this loan is at Imminent Default.",
"type": "string"
},
"hardshipReasons": {
"title": "The Hardshipreasons Schema",
"description": "An array of hardship reason types associated to a loan in a workout.",
"type": "array",
"items": {
"title": "The Items Schema",
"description": "An explanation about the purpose of this instance.",
"type": "object",
"properties": {
"hardshipReasonType": {
"title": "The Hardshipreasontype Schema",
"description": "A discrete set of values that describes the nature of hardship for the borrower.",
"type": "string"
},
"reasonForExtenuatingCircumstances": {
"type": "string"
}
}
}
},
"propertyInfo": {
"title": "The Propertyinfo Schema",
"description": "Group of attributes captured at a property level",
"type": "object",
"properties": {
"propertyConditionType": {
"title": "The Propertyconditiontype Schema",
"description": "A discrete set of values that describes the physical condition of a property.",
"type": "string"
},
"propertyUsageType": {
"title": "The Propertyusagetype Schema",
"description": "A discrete set of values that specifies intended use by the borrower of the property",
"type": "string"
},
"propertyOccupancyType": {
"title": "The Propertyoccupancytype Schema",
"description": "A discrete set of values that specifies intended occupancy of the borrower of the property",
"type": "string"
},
"grossRentalIncome": {
"title": "The Grossrentalincome Schema",
"description": "The amount of revenue generated by the owned property from rent on a monthly basis.",
"type": "number"
}
}
},
"partyInfo": {
"title": "The Partyinfo Schema",
"description": "Group of attributes that are associated to borrower detail",
"type": "object",
"properties": {
"totalCashReserveAmount": {
"title": "The Totalcashreserveamount Schema",
"description": "Any non-retirement liquid assets the borrower has available for withdrawal.",
"type": "number"
},
"totalMonthlyLiabilities": {
"type": "number"
},
"party": {
"title": "The Party Schema",
"description": "Borrower and Coborrower related data attributes",
"type": "array",
"items": {
"title": "The Items Schema",
"description": "An explanation about the purpose of this instance.",
"type": "object",
"properties": {
"borrowerType": {
"title": "The Borrower Type Schema",
"description": "This identifies the type of borrower(s) on the loan",
"type": "string"
},
"borrowerInfo": {
"title": "The Borrowerinfo Schema",
"description": "An explanation about the purpose of this instance.",
"type": "object",
"properties": {
"borrowerDetail": {
"title": "The Borrowerdetail Schema",
"description": "An explanation about the purpose of this instance.",
"type": "object",
"properties": {
"creditScoreDate": {
"title": "The Creditscoredate Schema",
"description": "The date when the credit repository reported the borrower credit rating.",
"type": "string"
},
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# Full source: https://raw.githubusercontent.com/api-evangelist/freddie-mac/refs/heads/main/openapi/freddie-mac-resolve-liquidation-openapi.json