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© 2018 Fannie Mae Single Family Servicing Guide

If at any time during the delinquency the servicer has achieved QRPC and has not obtained a resolution to the delinquency, the servicer must send the borrower a Borrower Solicitation Package, if a Borrower Solicitation Package has not previously been sent.

A Borrower Solicitation Package consists of the following documents:

  • Borrower Solicitation Letter (Form 745), or equivalent; and

  • Mortgage Assistance Application (Form 710), or equivalent, provided that the equivalent form requests the same financial information and documentation, hardship information, and attestations from the borrower.

Note: The servicer is authorized to include IRS Short Form Request for Individual Tax Return Transcript (IRS Form 4506T-EZ) or, if the servicer is aware that the borrower is self-employed or files IRS Form 1040 on a fiscal tax year, IRS Request for Transcript of Tax Return (IRS Form 4506-T), in the Borrower Solicitation Package.

If the servicer has not achieved QRPC or obtained a resolution to the delinquency by the 45th day of delinquency, the servicer must send either a Borrower Solicitation Letter (Form 745), or equivalent, or a Borrower Solicitation Package.

Note: If the servicer

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customizes Form 745, it must make the letter available to Fannie Mae upon request and it must retain references to the Homeowner’s HOPE™ Hotline Number (1-888-995-HOPE) within the Borrower Solicitation Package.

The servicer is authorized to

  • mail, fax, or electronically transmit copies of Form 745, or equivalent, and other documents associated with the Borrower Solicitation Package to a borrower; or

  • permit a borrower to copy, print, or download a copy of such documents via a secure servicer-provided Internet website.

See Selling Guide A2-5.1-03, Electronic Records, Signatures, and Transactions for information on electronic record requirements

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Additional Information: https://www.fanniemae.com/content/guide/servicing/d2/2/04.html