Where Can I Find My Delinquency or Loan Default Information?

You can find a detailed explanation of your delinquency status in the periodic statement provided by your servicer, usually on the first page of the statement or in a separate page or letter.

Your delinquency information in your periodic statement includes:

• The length of your delinquency, as of the date of the periodic statement

  • Remember that a borrower is delinquent on their loan obligation from the beginning of the date of a periodic payment until such periodic payment ceases to be unpaid.

• A notification of possible risks (foreclosure) and expenses (penalty fees)

• Your account history, which must include the amount remaining past due from each billing cycle

• A notice regarding any loss mitigation program you have agreed to, if applicable

• A notice that your servicer has made the first notice required to start a foreclosure procedure, if applicable

• The total outstanding due amount

• A reference to a homeownership counselor