source:
  type: guide
  id: fnma-svc-d2-2-03
  authority: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice
  description: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice.
  coverage_tier: operative
obligations:
- id: fnma-svc-d2-2-03-full
  canonical_id: fnma-svc-d2-2-03-full
  section: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D2-2-03 — Sending a Payment Reminder Notice
    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: 'D2-2-03, Sending a Payment Reminder Notice (08/13/2025) Introduction
      This topic contains information on sending a payment reminder notice. 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 20th day of
      the month if the payment has not been received with the following exceptions:
      the mortgage loan is a second lien mortgage loan (see D2-2-09, Additional Borrower
      Contact Requirements for the Servicer of a Second Lien Mortgage Loan), or the
      borrower is subject to an active forbearance plan (without regard to whether
      the forbearance plan provides for reduced or suspended payments). Published
      May 13, 2026 296 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 HUD.gov. 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-2025-05 August 13, 2025 Announcement
      SVC-2023-02 April 12, 2023 Announcement SVC-2020-03 July 15, 2020'
  judgment: false
