FNMA Servicing Guide D2-2 — Requirements for Contacting a Borrower
FNMA Servicing Guide D2-2-01 through D2-2-03 govern delinquent- borrower outreach: Quality Right Party Contact (QRPC) achievement requirement, outbound contact timing (begin no later than day 36 of delinquency; every 7 days continuing thereafter), 60-day judicial / 30-day non-judicial pre-foreclosure-sale outbound-contact stop rule, day-20 payment reminder notice rule, and message content requirements for outbound contacts. Fills FNMA Servicing D2-2 gap.
Verbatim regulatory text
Verbatim provisions from FNMA Servicing Guide D2-2 — Requirements for Contacting a Borrower — 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.
FNMA Servicing Guide D2-2-01 — Servicer must make every attempt to achieve QRPC
The servicer must make every attempt to achieve QRPC.
FNMA Servicing Guide D2-2-02 — Begin outbound contact by day 36, continue every 7 days
The servicer must begin outbound contact attempts no later than the 36th day of delinquency and must continue every 7 days until one of the following outcomes is attained: • QRPC is achieved and/or the borrower adheres to any workout option agreement made with the servicer, • the delinquency is resolved, • a complete BRP is received (see D2-2-05, Receiving a Borrower Response Package for information on the requirements for a complete BRP), • the borrower has provided a promise to pay the delinquent amount by a specified date (not to exceed 30 days), or • QRPC is achieved and the borrower indicates that they are not interested in a workout option.
FNMA Servicing Guide D2-2-02 — Discontinue outbound contact 60/30 days before foreclosure sale
the servicer must discontinue all outbound contact attempts
FNMA Servicing Guide D2-2-02 — Emphasize importance of timely payment during outbound contact
the servicer must emphasize the importance of making payments on or prior to their due dates.
FNMA Servicing Guide D2-2-03 — Send payment reminder notice no later than day 20
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).
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