Freddie Mae pushing lenders to Harrass Home Owners

How early? I’m talking about making contact by the third day of delinquency,” Renzi said.


That’s the ideal scenario, but the unequivocal line in the sand is being drawn at within 60 days of the first missed payment

http://www.dsnews.com/articles/freddie-pushing-servicers-to-contact-borrowers-by-third-day-of-delinquency-2011-03-23
 
 
Hello you get a 10 day grace period with most loans, and they can not file  foreclosure until it is at least 90 days delinquent.   They should not be calling and bothering you until then!