Servicing Guide

The Servicing Guide is organized into parts that reflect how lenders generally categorize various aspects of their business relationship with Fannie Mae. To begin browsing, select from any of the sections below. You may also download the entire Servicing Guide in PDF format.

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D2-2-03: Sending a Payment Reminder Notice (06/08/2016)

This topic contains information on sending a payment reminder notice.

Unless the mortgage loan is a second lien mortgage loan, the servicer must send a payment reminder notice to the borrower no later than the 17th day of delinquency if the payment has not been received. 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


Inform the borrower about the availability of additional educational resources at Fannie Mae’s Know Your Options™ website.

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