Servicing Guide

The Servicing Guide is organized into parts that reflect how lenders generally categorize various aspects of their business relationship with Fannie Mae. To begin browsing, select from any of the sections below. You may also download the entire Servicing Guide in PDF format.

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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.

Related Articles

Under what circumstances in the prereferral review period should the servicer not refer a loan secured by a principal residence to foreclosure?

During any prereferral review period or before the servicer has made the first notice or filing required by applicable law for any judicial or non-...

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What are the requirements for conducting a prereferral review prior to referring a loan to foreclosure?

The servicer must perform a prereferral review of the mortgage loan within 15 days prior to the date the servicer is required to refer the mortgage loan...

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