The servicer must not require a complete BRP to evaluate the borrower for a disaster payment deferral if the eligibility criteria are satisfied.
In order to be eligible for a disaster payment deferral, the criteria in the following table must be met.
|✓||Eligibility Criteria for a Disaster Payment Deferral|
|The disaster event must result in
Note: See Evaluating the Extent and Nature of the Property Damage in D1-3-01, Evaluating the Impact of a Disaster Event and Assisting a Borrower for additional information on what constitutes a disaster.
|The servicer must achieve QRPC with the borrower (see D2-2-01, Achieving Quality Right Party Contact with a Borrower for additional information).
Additionally, the servicer must confirm that the borrower
Note: If the mortgage loan was previously modified pursuant to a Fannie Mae HAMP modification under which the borrower remains in “good standing,” then the mortgage loan will not lose good standing and the borrower will not lose any “pay for performance” incentives under the following circumstances:
|The mortgage loan must be a conventional first lien mortgage loan, and may be a fixed-rate, a step-rate, or an ARM.
Note:The property securing the mortgage loan may be vacant or condemned.
|The mortgage loan must
|The mortgage loan must not have previously received a disaster payment deferral as a result of the same disaster event.
Note: The mortgage loan may have previously received a non-disaster payment deferral
|The mortgage loan must not be subject to
the servicer is unable to establish QRPC with a borrower on a disaster-related forbearance plan and the borrower is ineligible for a disaster payment deferral, or
the borrower is eligible for a disaster payment deferral but does not respond to the disaster payment deferral offer as described in Soliciting a Borrower for a Post-Forbearance Disaster Payment Deferral.
For more information please see: D2-3.2-06: Disaster Payment Deferral