If the mortgage loan is current or less than 90 days delinquent, the borrower must submit a complete BRP except as described below.
If the borrower submitted a complete BRP prior to the 90th day of delinquency, the servicer must
use the information from the Mortgage Assistance Application (Form 710), or equivalent, to determine the borrower's hardship, total income and assets, and
evaluate the borrower for all workout options in accordance with D2-3.1-01, Determining the Appropriate Workout Option.
For more information please see: D2-3.2-07: Fannie Mae Flex Modification.