Servicing Guide

Published September 9, 2020

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What are the servicer’s requirements for handling an appeal of a mortgage loan modification Trial Period Plan denial for a principal residence?

The servicer must provide written notice of the appeal decision within 30 days of receipt of the borrower’s appeal. The following table describes the servicer’s requirements for handling an appeal depending upon when the appeal is received.

If the servicer receives… Then the servicer…

the borrower’s appeal within the 14-day appeal period and any new information

must evaluate the appeal and accept any new information submitted by the borrower within this time frame as part of the independent appeal review.

the borrower’s appeal within the 14-day appeal period, but the servicer receives any new information or documentation after the 14-day appeal period but before the appeal decision is issued

is authorized to

  • complete the review with any new information or documentation provided by the borrower as part of the appeals process; or

  • treat the request along with any additional information as part of a new complete BRP and review the complete BRP in accordance with D2-2, Requirements for Contacting a Borrower and E-3, Managing Foreclosure Proceedings.

the borrower’s appeal after the 14-day appeal period

The servicer must not require that the borrower accept any initial offer for a workout option prior to resolution 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

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