Servicers will be able to approve unemployed borrowers with Fannie Mae and Freddie Mac owned- or guaranteed-loans for six months of forbearance without prior approval from the GSEs under new policies announced last week. Freddie’s new forbearance option, rolled out at the direction of the Federal Housing Finance Agency, takes effect Feb. 1 and makes unemployed borrowers potentially eligible for up to 12 months of forbearance. …