source:
  type: guide
  id: fnma-svc-d2-2-09
  authority: Fannie Mae Servicing Guide D2-2-09 — Additional Borrower Contact Requirements
    for the Servicer of a Second Lien Mortgage Loan
  description: Fannie Mae Servicing Guide D2-2-09 — Additional Borrower Contact Requirements
    for the Servicer of a Second Lien Mortgage Loan.
  coverage_tier: operative
obligations:
- id: fnma-svc-d2-2-09-full
  canonical_id: fnma-svc-d2-2-09-full
  section: Fannie Mae Servicing Guide D2-2-09 — Additional Borrower Contact Requirements
    for the Servicer of a Second Lien Mortgage Loan
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D2-2-09 — Additional Borrower Contact Requirements
      for the Servicer of a Second Lien Mortgage Loan
    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: 'D2-2-09, Additional Borrower Contact Requirements for the Servicer
      of a Second Lien Mortgage Loan (12/16/2015) Introduction This topic contains
      the following: Sending a Payment Reminder Notice Contacting the Servicer of
      the First Lien Mortgage Loan Sending a Breach or Acceleration Letter Sending
      a Payment Reminder Notice The servicer of a second lien mortgage loan must mail
      a payment reminder notice immediately after the due date of the ﬁrst unpaid
      installment to inform the borrower that a late charge will be assessed if the
      payment is not received by a speciﬁed date. If the payment is not received by
      the date speciﬁed, the servicer must send Published May 13, 2026 309 the borrower
      a Borrower Solicitation Letter (Form 745), or equivalent, stating the amount
      of late charges due. Contacting the Servicer of the First Lien Mortgage Loan
      The servicer of a second lien mortgage loan must contact the servicer of the
      ﬁrst lien mortgage loan if it has not heard from the borrower by the 17th day
      of delinquency to determine the status of the ﬁrst lien mortgage loan, and any
      action that the ﬁrst lien mortgage loan servicer is contemplating. Sending a
      Breach or Acceleration Letter The servicer of a conventional second lien mortgage
      loan must send the borrower a breach or acceleration letter at least 30 days
      before foreclosure proceedings begin. When the servicer has information that
      the property has been abandoned or that the borrower has displayed an obvious
      lack of concern for the mortgage loan obligation, the breach or acceleration
      letter must be sent at the earliest possible date, but no later than the 45th
      day of delinquency. Recent Related Announcements There are no recently issued
      Announcements related to this topic.'
  judgment: false
