source:
  type: guide
  id: fnma-svc-d2-2-06
  authority: Fannie Mae Servicing Guide D2-2-06 — Sending a Breach or Acceleration
    Letter
  description: Fannie Mae Servicing Guide D2-2-06 — Sending a Breach or Acceleration
    Letter.
  coverage_tier: operative
obligations:
- id: fnma-svc-d2-2-06-full
  canonical_id: fnma-svc-d2-2-06-full
  section: Fannie Mae Servicing Guide D2-2-06 — Sending a Breach or Acceleration Letter
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D2-2-06 — Sending a Breach or Acceleration
      Letter
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-05-22T23:53:19Z'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: 'D2-2-06, Sending a Breach or Acceleration Letter (11/14/2018)
      Introduction This topic contains the following: Requirements for Conventional
      Mortgage Loans Requirements for Government Mortgage Loans Published May 13,
      2026 304 Requirements for Conventional Mortgage Loans The servicer must issue
      the breach or acceleration letter as described in the following table. If the
      property securing a ﬁrst lien mortgage loan is... Then the servicer must issue
      the breach or acceleration letter... not vacant or abandoned no later than the
      75th day of delinquency. vacant or abandoned and the mortgage loan is greater
      than 30 days delinquent within 10 days from the determination of vacancy but
      no later than the 75th day of delinquency. Unless the servicer is able to contact
      the delinquent borrower and is discussing some type of workout option, the servicer
      must refer the mortgage loan to foreclosure upon expiration of the breach or
      acceleration letter. See E-1.2-02, Timing of the Foreclosure Referral for Mortgage
      Loans Generally for the timing and requirements for referring the mortgage loan
      to foreclosure. The following table lists the requirements for the content of
      the breach or acceleration letter. ✓ The breach or acceleration letter must
      clearly explain... The exact nature of the breach (for example, a default in
      payments). The action required to cure the breach. The date by which the breach
      must be cured. The possibility that a deﬁciency judgment might be pursued if
      the foreclosure proceedings are undertaken, if applicable. Requirements for
      Government Mortgage Loans For FHA and VA mortgage loans, the servicer must follow
      applicable FHA and VA guidelines. Recent Related Announcements There are no
      recently issued Announcements related to this topic. Published May 13, 2026
      305 D2-2-07, Resolving an Appeal of a Mortgage Loan Modiﬁcation Trial Period
      Plan Denial for a Principal Residence (05/10/2017) Introduction This topic contains
      information on resolving an appeal of a mortgage loan modiﬁcation Trial Period
      Plan denial for a principal residence only. Resolving an Appeal of a Mortgage
      Loan Modiﬁcation Trial Period Plan Denial for a Principal Residence Resolving
      an Appeal of a Mortgage Loan Modiﬁcation Trial Period Plan Denial for a Principal
      Residence For information on identifying an appeal of the denial of a mortgage
      loan modiﬁcation Trial Period Plan, see Establishing Written Policies or Procedures
      in A4-1-01, Staﬃng, Training, Procedures, and Quality Control Requirements.
      The servicer must conﬁrm that an appeal in connection with a complete BRP that
      satisﬁes these requirements is a written request for an appeal that includes
      the following: borrower’s name, property address, and mortgage loan number.
      In order for the borrower to be eligible for an appeal of a denial of a mortgage
      loan modiﬁcation Trial Period Plan, the following conditions must be met: the
      mortgage loan must be secured by a principal residence, and the borrower must
      have submitted a complete BRP 90 days or more before a scheduled foreclosure
      sale date, or the foreclosure sale date is unknown. The appeal requirements
      do not apply if the borrower previously submitted a complete BRP and the mortgage
      loan has been delinquent at all times since submitting the prior complete BRP,
      as authorized by applicable law. The servicer must inform the borrower that
      they may submit any supporting documentation and speciﬁc appeal reason at the
      time the servicer is notiﬁed of the appeal. The servicer must provide written
      notice of the appeal decision within 30 days of receipt of the borrower’s appeal.
      The following table describes the servicer’s requirements for handling an appeal
      depending upon when the appeal is received. Published May 13, 2026 306 If the
      servicer receives… Then the servicer… the borrower’s appeal within the 14-day
      appeal period and any new information must evaluate the appeal and accept any
      new information submitted by the borrower within this time frame as part of
      the independent appeal review. the borrower’s appeal within the 14-day appeal
      period, but the servicer receives any new information or documentation after
      the 14-day appeal period but before the appeal decision is issued is authorized
      to • complete the review with any new information or documentation provided
      by the borrower as part of the appeals process; or • treat the request along
      with any additional information as part of a new complete BRP and review the
      complete BRP in accordance with D2-2, Requirements for Contacting a Borrower
      and E-3, Managing Foreclosure Proceedings. the borrower’s appeal after the 14-day
      appeal period The servicer must not require that the borrower accept any initial
      oﬀer for a workout option prior to resolution of the appeal. The following table
      describes the servicer’s requirements after review of an appeal if the servicer
      determines that the borrower was eligible for a mortgage loan modiﬁcation Trial
      Period Plan for which the borrower was previously denied. ✓ The servicer must...
      Send the borrower an oﬀer for such a Trial Period Plan for which the borrower
      was initially denied. Provide the borrower 14 days from the date of the servicer’s
      appeal decision notice to indicate their intent to accept either the new oﬀer
      or the initial oﬀer, provided that the borrower continues to be eligible for
      the initial oﬀer, in accordance with Sending a Notice of Decision on a Workout
      Option in D2-2-05, Receiving a Borrower Response Package. If the borrower waits
      to accept the initial oﬀer until after receiving the appeal decision, the servicer
      must take the actions in the following table. ✓ The servicer must... Determine
      whether the borrower continues to be eligible for the initial oﬀer without considering
      any accrued amounts. Published May 13, 2026 307 ✓ The servicer must... Adjust
      the due dates of the initial oﬀer, as applicable, accordingly. The servicer
      must adjust the payment amount in instances where additional amounts have accrued
      and/or the due dates of the initial oﬀer have changed because the borrower was
      awaiting the outcome of the appeal decision by taking the actions in the following
      table. ✓ The servicer must... Adjust the payment amount of the initial oﬀer.
      Note: For Trial Period Plans, the servicer is authorized to adjust the payment
      amount at the beginning of the Trial Period Plan or after the borrower’s successful
      completion of the Trial Period Plan. Use the same approach to adjusting the
      payment amount consistently on all mortgage loans it services for Fannie Mae.
      Reissue the initial oﬀer to reﬂect any adjusted dates and/or payment amounts.
      If the borrower waits to accept the initial oﬀer until after receiving the appeal
      decision, the ﬁrst payment due date of any resulting mortgage loan modiﬁcation
      Trial Period Plan oﬀer, and the revised ﬁrst payment due date for the initial
      oﬀer, as applicable, is based on when the appeals decision is sent by the servicer
      to the borrower, as described in the following table. If the servicer sends
      the appeal decision... Then the Trial Period Plan eﬀective date and the due
      date of the ﬁrst Trial Period Plan payment is... on or before the 15th of the
      month the ﬁrst day of the next month. after the 15th of the month the ﬁrst day
      of the month after the next month. The servicer’s appeal decision is ﬁnal and
      not subject to further appeal. The servicer must make information related to
      the appeals process available to Fannie Mae upon request. Recent Related Announcements
      There are no recently issued Announcements related to this topic. Published
      May 13, 2026 308'
  judgment: false
