In order for the borrower to be eligible for an appeal of a denial of a mortgage loan modification Trial Period Plan, the following conditions must be met:
- the mortgage loan must be secured by a principal residence, and
- the borrower must have submitted a complete borrower's response package (BRP) 90 days or more before a scheduled foreclosure sale date, or the foreclosure sale date is unknown.
The appeal requirements do not apply if the borrower previously submitted a complete borrower's response package (BRP) and the mortgage loan has been delinquent at all times since submitting the prior complete borrower's response package (BRP), as authorized by applicable law.
The servicer must inform the borrower that he or she may submit any supporting documentation and specific appeal reason at the time the servicer is notified of the appeal.
For more information please see: D2-2-07, Resolving an Appeal of a Mortgage Loan Modification Trial Period Plan Denial for a Principal Residence.