Servicing Guide

Published September 9, 2020

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What are the timeline requirements for issuing a breach or acceleration letter for conventional mortgage loans?

The servicer must issue the breach or acceleration letter as described in the following table.

If the property securing a first lien mortgage loan is... Then the servicer must issue the breach or acceleration letter...

not vacant or abandoned

no later than the 75th day of delinquency.

vacant or abandoned and the mortgage loan is greater than 30 days delinquent

within 10 days from the determination of vacancy but no later than the 75th day of delinquency.

For more information please see: D2-2-06, Sending a Breach or Acceleration Letter

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If you have additional questions, Fannie Mae customers can visit Ask Poli to get information from other Fannie Mae published sources.

Guide Resources

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Visit Selling and Servicing Guide Communications and Forms

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