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
...
to reconcile inconsistencies between other information the borrower provided (e.g., information the borrower provided in the Form 710) and the income documentation;
when the borrower has income that is required to be documented by the borrower’s most recent federal income tax return but the borrower has not provided his or her tax return, complete with all schedules (e.g., self-employed borrowers); or
if Fannie Mae requests it.
HAMP Government Monitoring Data Form (Form 710A), only if the borrower is HAMP eligible.
Note: If any borrower chooses not to provide the Government Monitoring Data, the servicer must note that fact in the space provided and note the method by which Form 710A was taken.
...
(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.
Note: The servicer is authorized beginning September 1, 2016, and required on or after November 1, 2016, to exclude:
the Form 710A from the Borrower Solicitation Package; and
references specific to HAMP or HAMP-related programs from other solicitation materials, other than the Form 710, that the servicer provides to the borrower.
The servicer must
retain references to the Homeowner’s HOPE™ Hotline Number (1-888-995-HOPE) within the Borrower Solicitation Package, and
attempt to collect the Government Monitoring Data by mailing the Form 710A to the borrower or obtaining the relevant information by an alternative form of communication (for example, telephone) if a borrower submits a complete BRP on or before December 30, 2016 and is HAMP-eligible.
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 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.
Related Announcements
The following table provides references to Announcements that are related to this topic.
| Announcements | Issue Date |
|---|---|
| Announcement SVC-2017-08 | September 13, 2017 |
| Announcement SVC–2017–02 | February 15, 2017 |
| Announcement SVC–2016–05 | June 8, 2016 |
| Announcement SVC–2015–15 | December 16, 2015 |
| Announcement SVC–2015–04 | March 18, 2015 |
Additional Information: https://www.fanniemae.com/content/guide/servicing/d2/2/04.html