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,” and the borrower was on a disaster-related forbearance plan or had a disaster-related hardship immediately preceding the disaster payment deferral, then the borrower will remain eligible to receive any future HAMP “pay for performance” incentives upon acceptance of the disaster payment deferral.
|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