Servicing Guide

Published September 9, 2020

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What are the quality right party contact requirements prior to referring a mortgage loan to foreclosure?

The prereferral review must ensure that all procedures relating to establishing QRPC as outlined in D2-2-01, Achieving Quality Right Party Contact with a Borrower were followed and that:

  • an approved payment arrangement is not pending;

  • a complete BRP has not been received; or

  • if a complete BRP has been received, the servicer has determined that either the borrower is not eligible for a workout option or the servicer has extended an offer for a workout option and the borrower has not accepted the offer within the required time frame specified in the Evaluation Notice.

    Note: The servicer must not delay referral to foreclosure if the time frame for the borrower to respond to an offer for a workout option has expired.

For more information please see: E-3.2-01: Conducting Prereferral Review.
 

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