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D2-2-03, Sending a Payment Reminder Notice (04/12/2023)

This topic contains information on sending a payment reminder notice.

Sending a Payment Reminder Notice

The servicer must send a payment reminder notice to the borrower no later than the 17th day of delinquency if the payment has not been received with the following exceptions:

  • the borrower is subject to an active forbearance plan (without regard to whether the forbearance plan provides for reduced or suspended payments).

The following table outlines the requirements for a payment reminder notice.

Requirements for a payment reminder notice

Address the borrower by name.


State a desire to work with the borrower to preserve homeownership.


State the amount of late charges that are due, if applicable.


Explain that the borrower can seek assistance with household budgeting at no charge from HUD-approved housing counseling agencies that can be found on


Inform the borrower about the availability of additional educational resources on Fannie Mae’s consumer website.


Recent Related Announcements

The table below provides references to recently issued Announcements that are related to this topic.  

Announcements Issue Date
Announcement SVC-2023-02 April 12, 2023
Announcement SVC-2020-03 July 15, 2020