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Flooding continues in North and South Carolina. 

While rivers are slowly beginning to recede, they are still well above flood stage in several eastern counties. Flood warnings and advisories remain in effect in many areas. Roads are impassable, barricaded or washed away. Evacuations are still being conducted. 

Work and results will be delayed until it is safe and contractors are able to get to the properties.

It is hard to believe, but it is that time of year to begin taking the appropriate steps to protecting your properties from freeze damage. Cooler temperatures are upon us, and soon many areas of the country will be battling freezing to subzero temperatures.

In various parts around the country, the lack of winterization will almost certainly result in freeze damage; including broken pipes, cracked fixtures, toilets and water closets. Beyond these direct damages, the consequential damages to ceilings, walls, floors, cabinets, etc. can be catastrophic. Furthermore, ice, which expands to damage your pipes and fixtures in its solid state, subsequently turns back to its liquid state adding a moisture source to your property, providing a perfect environment for rampant mold growth and all its resulting damages. If not identified and properly addressed, the very viability of the property may be in jeopardy. Unprotected properties have been found with waterfalls cascading over ice from the third floor all the way to the cellar. Horror stories include police reporting a safety risk due to ice forming in the road which was then tracked back up the driveway to the overflowing cellar. Winterization protects your property from these types of damages, thus saving your company thousands of dollars per property. While it carries a cost, winterization is a prudent investment in your property.

Many areas of the country have or will start winterizing soon. The dates vary throughout the country and by investor. Some customers are opting for winterizing year-round. This assures you the property is protected. It removes the rush, workload peak, and risk of missing a property. It is difficult if you are sitting in Honolulu, Miami, Atlanta, or some other warm sunny location to maintain the proper focus on protecting your Denver, Madison, and Boston properties from freeze damage, but it is time and effort well spent. Don't put it off. A sudden cold snap will put you in the unnecessary high stressed position of needing a rush order and the risk of significant damage to your asset.

It is indeed time to be getting your properties winterized. Soon our friends in Minneapolis will consider a high of 38 a heat wave! And the folks in Miami will be shaking their heads in disbelief that anyone can survive in such an environment. Make sure your properties have been properly prepared to survive the freeze conditions that will soon be upon us.


Mortgage servicing professionals across the nation rely on NFR to provide field services with the integrity, commitment, professionalism and results-oriented focus for which we are known.

From residential inspections and preservation to REO maintenance and inspections, NFR makes field servicing fast, reliable and hassle-free. To appreciate the depth and quality of our solution, request a free, no-obligation demonstration of our Web portal. Contact NFR today to discuss our systems, procedures and unified focus on producing superior results for you.

Industry Links

CFPB – Consumer Finance Protection Bureau

FDIC - Protecting Sensitive Information

FDCPA - Fair Debt Collection Practices Act (PDF)

Gramm-Leach-Bliley Privacy Act – Federal Trade Commission Overview (

Gramm-Leach-Bliley Title V – Privacy Act Text (PDF)

Maine State Housing Authority Expense Reimbursement (PDF)

NFR Work Order Terms Glossary


HUD Response Letter 6-3-2016 (PDF)

HUD Mortgagee Letter 2016-02 (PDF)

HUD Mortgagee Letter 10-18 (PDF)

HUD Mortgagee Letter 10-18 FAQ's (PDF)

HUD Mortgagee Letter Index (

Fannie Mae

Servicing Guide Announcement SVC-2015-15 (PDF)

Servicing Guide Announcement SVC-2015-07 (PDF)

Fannie Mae - Property Preservation Matrix and Reference Guide 11-12-2014 (PDF)

Servicing Guide Announcement SVC-2013-22 (PDF)

Freddie Mac

Exhibit 57 – Effective 10/20/14 (PDF)

Bulletin 3-17-14


Property Preservation Requirements and Fees, Circular 26-15-21, September 30, 2015 (PDF)

Appendix H: Property Preservation Requirements and Fees: VA Manual 26-3, Revised August 28, 2015 (PDF)

Washington State

Washington State RCW 7.28.230 (PDF)

Washington Supreme Court Ruling 92081-8 (PDF)

Aware of a new ordinance or regulation? Please send to



NFR Mortgage Field Services - Property Preservation, Inspections, Registration, BPO
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Washington State law / Supreme Court ruling:


The Washington Supreme Court ruled that securing a property before foreclosure sale is completed constitutes “taking possession” of the property and is in violation of the Washington state law RCW 7.28.30.


When placing work orders on NFROnline you will receive the following prompt:

The property is located in the state of Washington and is subject to the requirements under RCW 7.28.230. Please confirm that those requirements have been met prior to ordering securing of the property.


Please confirm that you still wish to place this order by clicking on OK, otherwise click on Cancel.


If you have any questions please contact your NFR Preservation coordinator.


The court ruling and law are available in the Industry Links section (below).

2016 Holiday Closings


NFR will be closed on the following days:

  • New Year’s Day – Friday, January 1
  • Memorial Day – Monday, May 30
  • Independence Day – Monday, July 4
  • Labor Day – Monday, September 5
  • Thanksgiving Day – Thursday, Nov. 24
  • Christmas Day – Monday, December 26


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