Servicing Guide

Published September 18, 2018

D2-2-01: Achieving Quality Right Party Contact with a Borrower (12/16/2015)

This topic contains information on achieving quality right party contact with a borrower.

QRPC is a uniform standard for communicating with the borrower, co-borrower, or a trusted advisor (collectively referred to as “borrower”) about resolution of the mortgage loan delinquency. The servicer must make every attempt to achieve QRPC. The purpose of QRPC is to

  • determine the reason for the delinquency and whether it is temporary or permanent in nature,

  • determine whether or not the borrower has the ability to repay the mortgage loan debt,

  • educate the borrower on the availability of workout options, as appropriate, and

  • obtain a commitment from the borrower to resolve the delinquency.

Related Announcements

The following table provides references to Announcements that are related to this topic.

Announcements Issue Date
Announcement SVC–2015–15 December 16, 2015