Servicing Guide

Published September 9, 2020

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What are the requirements for reporting a disaster payment deferral to Fannie Mae?

The servicer must evaluate a borrower for a disaster payment deferral in accordance with D2-3.2-06, Disaster Payment Deferral.

The servicer must submit an eligible disaster payment deferral case to Fannie Mae’s servicing solutions system by entering loan-level information, including the applicable campaign ID to identify a disaster payment deferral. The case must be entered by the last day of the month in which the evaluation took place.

If the servicer chooses to use a processing month, the servicer must enter the disaster payment deferral case within the processing month, but no later than the last day of the processing month. If a full monthly contractual payment is required in the processing month because the mortgage loan is 12 months delinquent as of the date of the evaluation, then the servicer must remit and report via a Loan Activity Record (LAR) to Fannie Mae the borrower’s full monthly contractual payment due in the processing month prior to completing the disaster payment deferral in Fannie Mae’s servicing solutions system.

Note: If the servicer does not remit and report via a LAR the full monthly contractual payment at least one business day prior to the last day of the month, the servicer will not be able to complete the disaster payment deferral case. If the UPB or LPI reported in Fannie Mae’s servicing solutions system prior to application of a disaster payment deferral does not agree with the last reported UPB or LPI in Fannie Mae’s investor reporting system, the disaster payment deferral will not be processed in Fannie Mae’s investor reporting system until the discrepancy is resolved.

See the Investor Reporting Manual for additional information.

For more information please see Servicing Guide F-1-23: Reporting a Workout Option via Fannie Mae’s Servicing Solutions System.

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