Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice

fnma-svc-d2-2-03

Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice.

Get this register: .xlsx .csv More bundles →

source:
  type: guide
  id: fnma-svc-d2-2-03
  authority: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice
  description: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice.
  coverage_tier: operative
obligations:
  - id: fnma-svc-d2-2-03-full
    canonical_id: fnma-svc-d2-2-03-full
    section: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice
    description: ''
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - fnma
      - servicing-guide
      - corpus-expansion
      - tier-operative
    primary_source:
      tier: 1
      authority: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice
      source_class: fnma-guide
      source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
      snapshot_id: cf63a82bbb4adfba
      fetched_at: '2026-05-22T23:53:19Z'
      content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
      paragraph_quote: 'D2-2-03, Sending a Payment Reminder Notice (08/13/2025) Introduction This topic contains information on sending a payment reminder notice. Sending a Payment Reminder Notice Sending a Payment Reminder Notice The servicer must send a payment reminder notice to the borrower no later than the 20th day of the month if the payment has not been received with the following exceptions: the mortgage loan is a second lien mortgage loan (see D2-2-09, Additional Borrower Contact Requirements for the Servicer of a Second Lien Mortgage Loan), or the borrower is subject to an active forbearance plan (without regard to whether the forbearance plan provides for reduced or suspended payments). Published May 13, 2026 296 The following table outlines the requirements for a payment reminder notice. ✓ Requirements for a payment reminder notice Address the borrower by name. State a desire to work with the borrower to preserve homeownership. State the amount of late charges that are due, if applicable. Explain that the borrower can seek assistance with household budgeting at no charge from HUD- approved housing counseling agencies that can be found on HUD.gov. Inform the borrower about the availability of additional educational resources on Fannie Mae’s consumer website. Recent Related Announcements The table below provides references to recently issued Announcements that are related to this topic. Announcements Issue Date Announcement SVC-2025-05 August 13, 2025 Announcement SVC-2023-02 April 12, 2023 Announcement SVC-2020-03 July 15, 2020'

Verbatim regulatory text (1)

Verbatim provisions from Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice

D2-2-03, Sending a Payment Reminder Notice (08/13/2025) Introduction This topic contains information on sending a payment reminder notice. Sending a Payment Reminder Notice Sending a Payment Reminder Notice The servicer must send a payment reminder notice to the borrower no later than the 20th day of the month if the payment has not been received with the following exceptions: the mortgage loan is a second lien mortgage loan (see D2-2-09, Additional Borrower Contact Requirements for the Servicer of a Second Lien Mortgage Loan), or the borrower is subject to an active forbearance plan (without regard to whether the forbearance plan provides for reduced or suspended payments). Published May 13, 2026 296 The following table outlines the requirements for a payment reminder notice. ✓ Requirements for a payment reminder notice Address the borrower by name. State a desire to work with the borrower to preserve homeownership. State the amount of late charges that are due, if applicable. Explain that the borrower can seek assistance with household budgeting at no charge from HUD- approved housing counseling agencies that can be found on HUD.gov. Inform the borrower about the availability of additional educational resources on Fannie Mae’s consumer website. Recent Related Announcements The table below provides references to recently issued Announcements that are related to this topic. Announcements Issue Date Announcement SVC-2025-05 August 13, 2025 Announcement SVC-2023-02 April 12, 2023 Announcement SVC-2020-03 July 15, 2020

Source: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice · source URL · snapshot cf63a82bbb4adfba