Mortgage Servicing and Loan Modifications: 7.3.1.3.5 The servicer’s unilateral offer of a Flex Modification based on proactive solicitation
Review for Flex Modification eligibility is mandatory for servicers of GSE loans when a delinquency has reached ninety days. The servicer must mail all eligible borrowers a Flex Modification offer between the 90th and 105th day of delinquency.79 The servicer makes these offers without receipt of a borrower response package or other request from the borrower.