source:
  type: guide
  id: fnma-svc-e-3.2-01
  authority: Fannie Mae Servicing Guide E-3.2-01 — Conducting Prereferral Review
  description: Fannie Mae Servicing Guide E-3.2-01 — Conducting Prereferral Review.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-3.2-01-full
  canonical_id: fnma-svc-e-3.2-01-full
  section: Fannie Mae Servicing Guide E-3.2-01 — Conducting Prereferral Review
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-3.2-01 — Conducting Prereferral Review
    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: 'E-3.2-01, Conducting Prereferral Review (07/14/2021) The servicer
      must perform a prereferral review of the mortgage loan within 15 days prior
      to the date the servicer is required to refer the mortgage loan to foreclosure
      (see also E-3.1-02, Performing Due Diligence Prior to Considering Foreclosure).
      Before the review, the breach or acceleration letter and the Borrower Solicitation
      Package deadline must have expired without aﬃrmative response from the borrower.
      For all mortgage loans: The prereferral review must ensure that all procedures
      relating to establishing QRPC as outlined in D2-2-01, Achieving Quality Right
      Party Contact with a Borrower D2-2-01, Achieving Quality Right Party Contact
      with a Borrower were followed and that: an approved payment arrangement is not
      pending; a complete BRP has not been received; or if a complete BRP has been
      received, the servicer has determined that either the borrower is not eligible
      for a workout option or the servicer has extended an oﬀer for a workout option
      and the borrower has not accepted the oﬀer within the required time frame speciﬁed
      in the Evaluation Notice. Note: The servicer must not delay referral to foreclosure
      if the time frame for the borrower to respond to an oﬀer for a workout option
      has expired. For mortgage loans secured by a principal residence: During any
      prereferral review period or before the servicer has made the ﬁrst notice or
      ﬁling required by applicable law for any judicial or non-judicial foreclosure
      process that pertains to a mortgage loan secured by a principal residence, the
      servicer must not refer the mortgage loan to foreclosure under any of the following
      circumstances: there is an approved payment arrangement for a workout option;
      a complete BRP has been received and the servicer is within the 30-day time
      period for evaluating the complete BRP; the servicer has extended an oﬀer for
      a workout option, including a Trial Period Plan, and the borrower’s response
      time period has not expired; the borrower has accepted an oﬀer for a workout
      option and is performing in accordance with its terms; or the time period for
      the borrower to exercise any right of appeal as described in D2-2-07, Resolving
      an Appeal of a Mortgage Loan Modiﬁcation Trial Period Plan Denial for a Principal
      Residence D2-2-07, Resolving an Appeal of a Mortgage Loan Modiﬁcation Trial
      Period Plan Denial for a Principal Residence has not expired, the servicer is
      evaluating the borrower’s appeal, or the time period following the servicer’s
      appeal decision for the borrower to accept any oﬀer for a workout option has
      not expired. Published May 13, 2026 442 See also E-3.2-04, Postponing Foreclosure
      Referral for Mortgage Loans Not Secured by a Principal Residence for additional
      information. Recent Related Announcements The table below provides references
      to recently issued Announcements that are related to this topic. Announcements
      Issue Date Announcement SVC-2021-04 July 14, 2021'
  judgment: false
