Freddie Mac announced changes to its mortgage modifications on Sept. 9 in hopes of allowing more borrowers to qualify for modification and lower payments. Although the changes won’t be mandated until March 1, 2016, Freddie is encouraging its servicers to implement them as early as possible. The GSE is revising the mark-to-market loan-to-value-ratio calculation for both Freddie standard and streamlined modifications, according to a letter sent to its servicers this week. The MTMLTV is used for…