What a Complete Borrower Response Package Contains
McKenzie Adams editorial team · Last updated
The document set that gets a loss-mitigation application reviewed instead of restarted: every item, why servicers ask for it, and the mistakes that reset the clock.
What is a Borrower Response Package?
A Borrower Response Package (BRP) is the complete application a mortgage servicer needs before it can evaluate you for loss-mitigation options like a loan modification. 'Complete' is a legal threshold: once a complete package is received, federal servicing rules (Regulation X) start protective deadlines — the servicer must acknowledge it, evaluate you for all available options, and generally can't push a foreclosure sale forward while a timely, complete application is pending.
The document list
A complete package almost always means: the servicer's application form (often Form 710), a hardship letter with dates and cause, proof of income for all borrowers (pay stubs, or profit-and-loss plus bank statements for the self-employed), two months of bank statements, the most recent tax return, and documentation of the hardship itself. Award letters cover Social Security or disability income; a lease covers rental income.
The mistakes that reset the clock
Incomplete packages don't get partially reviewed — they generate a missing-items letter and the deadlines never start. The classic resets: one borrower's income documented but not the other's, bank statements missing a page (servicers want every page, including intentionally blank ones), an unsigned form, and stale documents — most items expire after 90 days, so a slow drip of paperwork can expire what you sent first.
When you shouldn't pay anyone for this
If you're 90+ days delinquent on a Fannie Mae or Freddie Mac loan, your servicer must evaluate you for a Flex Modification between days 90 and 105 without any package at all — paying for help with a solicitation that's already mandatory is waste, and it's the first of our published decline rules. HUD-approved counsellors also assemble BRPs free of charge.
Questions about your own situation? Book a free 30-minute consultation or start with our published pricing.