Client Bulletin: February 4, 2026
Extended Forbearance Relief
In early January, California Governor Gavin Newsom announced that several major national lenders have committed to offering up to 90 days of extended forbearance for homeowners affected by the Los Angeles wildfires. Some clients may have already received an email from Governor Newsom’s office requesting participation in this program.
If you have responded to Governor Newsom’s request to participate, please submit a Client Request Form through Cenlar’s CCM system so we can be notified. Once received, our team will update your default waterfall to include the applicable program options.
Please note that Fannie Mae, Freddie Mac, HUD, VA and USDA are not participating in this program at this time.
Cenlar is committed to providing assistance to impacted homeowners and offers loss mitigation, including forbearance plans, within our delegation of authority. Please reach out to your client management team if you have further questions.
Call Centers Open for Presidents Day and Daily Reporting Schedule
Presidents Day, Monday, Feb. 16 is a floating holiday at Cenlar. Our contact centers will remain open, and representatives will be available to assist homeowners.
As Presidents Day is a federal holiday, some back-office areas will be closed. No USPS mail will be outgoing, and no wires, no checks and no ACH transactions will flow.
There will also be no reporting run on Presidents Day. Overnight reports from Friday, Feb. 13 will be delivered as usual on Saturday morning, Feb. 14. All remaining data from Friday, Feb. 13 will be delivered on Tuesday, Feb. 17. Daily reporting will resume on Wednesday, Feb. 18, including data from Feb. 17.
If you have any questions, please reach out to your client management team.
Save the Date: Cenlar Executives to Discuss Latest Initiatives on March 11
Please save the date for the latest in our series of regular updates.
WHEN: Wednesday, March 11 at 3 p.m. – 4 p.m. ET
WHERE: We will send you a link to the live update with video closer to the date of the event. You can add a reminder to your calendar by clicking here.
Please note, this call is for current Cenlar clients only. Although you may forward this invitation to interested parties within your organization, please do not forward the meeting link to other third parties. Any information shared on the call is subject to the confidentiality provisions of your respective subservicing agreement.
Update to Disaster Dashboard
In early January, California Governor Gavin Newsom (See Top Story: Extended Forbearance Relief) announced that several major national lenders have committed to offering up to 90 days of extended forbearance for homeowners affected by the Los Angeles wildfires.
In response to this development, the Disaster Dashboard has been expanded to cover a full 24‑month period. All related data will remain available through 2027, enabling clients to monitor forbearance activity and assess its effects on their portfolios over time.
For any questions, please contact your client management team.
Update: FNMA Releases Servicing Guide
FNMA recently released Servicing Guide Announcement SVC-2025-06. FNMA advised the following:
Clarifying Bankruptcy Cramdowns on Recourse or Indemnified Loans: We updated language in the Guide to clarify applicable mortgage loans subject to recourse or indemnification must be voluntarily repurchased before proceeding with a court-ordered bankruptcy cramdown.
We would like to alert you to this requirement and remind you to make Cenlar aware of loans subject to recourse or indemnification agreements with FNMA.
Please reach out to your client management team if you have further questions.
Potential Delay in Overnight Reporting Later This Month
As part of our efforts to continually transform our business to better support yours, we are conducting a conversion that may lengthen the amount of time it takes to run the batch cycle on the night of Friday, Feb. 20.
If this conversion does take longer than anticipated, it may delay the overnight reporting reflecting Friday’s work, delivered to you on the morning of Saturday, Friday, Feb. 21. We are writing to alert you to the potential for a delay proactively, but we aim to complete this conversion without any delay to the reports you receive.
If you have any questions, please reach out to your client management team.
2026 Conference Seasons Kicks Off
The 2026 conference season is officially underway. We’re excited to connect with industry colleagues at MBA IMB26, taking place this week on Amelia Island, FL.
We’ll also be attending the MBA Servicing Solutions Conference & Expo 2026, held February 16–19 in Grapevine, TX.
If you plan to be at MBA IMB26, we invite you to schedule time with Matt Detwiler, Senior Vice President of Business Development, at mjdetwiler@cenlar.com or Vice President of Business Development Len Patton, at lpatton@cenlar.com.
For MBA Servicing Solutions, you can connect with:
- Matt Detwiler, Senior Vice President of Business Development –mjdetwiler@cenlar.com
- Nick Brett, Senior Vice President of Client Management – ncbrett@cenlar.com
- Tom Donatacci, Chief Client Officer – tadonatacci@cenlar.com
- Len Patton, Vice President of Business Development – lpatton@cenlar.com
We look forward to seeing you as we kick off an exciting 2026 conference season.
Three Cenlar Leaders to Speak at MBA Servicing Solutions
Heading to the MBA Servicing Solutions Conference & Expo, Feb. 16–19? Make sure to catch insights from three of our senior leaders as they take the stage to discuss the future of mortgage servicing and cybersecurity.
Chief Operating Officer Leslie Peeler will be taking part in a panel, titled Leadership Lens – The Future of Servicing on Tuesday, Feb. 17. Leslie and fellow industry leaders will explore the most pressing challenges facing mortgage servicers today – from evolving regulatory and compliance demands to rapid technological change and shifting customer expectations. The discussion will also highlight emerging risks, including AI adoption, property insurance trends, cybersecurity concerns and loan performance dynamics.
On Wednesday, Feb. 18, Chief Information Security Officer Jason Shockey will participate on a panel, Protecting Your Portfolio – Cybersecurity Threats and Safeguards for Servicers. This session will examine risk landscape facing single-family mortgage servicers, from data breaches and ransomware to third-party and operational vulnerabilities. Jason and fellow panelists will share practical strategies for strengthening defenses, safeguarding
borrower data, meeting regulatory expectations and building operational resilience.
Senior Vice President of Core Operations Jackie Torres will also be speaking on a panel on Wednesday, titled Demystifying Escrows – Communicating Increases without the Borrower Confusion. Increasing tax and insurance escrows continue to be one of the most confusing aspects of the mortgage experience for borrowers. This session explores how servicers are re-thinking escrow communications – from explaining escrow balances to presenting an annual escrow analysis – to boost borrower confidence and reduce call center volume. Hear what’s working, what’s not and what more can be done.
Call Center to Close Early Feb. 4
On Wednesday, Feb. 4, our call center is closing at 7 p.m. ET for an employee meeting.
If you have any questions, please contact your client management team.