If the servicer has not achieved QRPC or obtained a resolution to the delinquency by the 45th day of delinquency, the servicer must send either a Borrower Solicitation Letter (Form 745), or equivalent, or a Borrower Solicitation Package.
The servicer is authorized to
mail, fax, or electronically transmit copies of Form 745, or equivalent, and other documents associated with the Borrower Solicitation Package to a borrower; or
permit a borrower to copy, print, or download a copy of such documents via a secure servicer-provided Internet website.
See Selling Guide A2-5.1-03, Electronic Records, Signatures, and Transactions for information on electronic record requirements.
For more information please see: D2-2-04, Sending a Borrower a Solicitation Package for a Workout Option.