To offer a forbearance plan in conjunction with a COVID-19 related hardship, the servicer must attempt to achieve QRPC with the borrower in order to evaluate the borrower for a forbearance plan, including the verification of the borrower’s hardship. However, we acknowledge that there may be scenarios where the servicer is unable to establish QRPC and must offer a forbearance plan in compliance with applicable law without achieving full QRPC. The servicer is considered to be in compliance with our Servicing Guide when bypassing requirements in order to adhere to applicable laws and regulations.
Note: This FAQ is from the Fannie Mae COVID-19 Frequently Asked Questions.
See below for more information on COVID-19: