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Celebrating 25 Years - National Field Representatives

NFR continues commitment to mortgage field services

Claremont, NH - 13 September 2014 – National Field Representatives (NFR) celebrated 25 years of operations. Since it’s founding, NFR has maintained a steadfast focus on providing high-quality mortgage field services.

The state of the mortgage industry has changed drastically and NFR continues to meet the ever changing needs of the largest mortgage servicers to community banks.  What started in 1989 as a small company with nine employees has evolved into a company of over 200 employees with four locations in Claremont, NH and Sarasota, FL.

“We are deeply grateful to our customers for their trust in NFR,” said Steve Cossingham, founder and President of NFR. “Though there are many factors which have attributed to our success, underlying them all is our employees’ unwavering commitment to integrity, professionalism and quality results.”

“I especially want to offer my heartfelt thanks to our employees, field representatives, and their families, whose creativity, dedication and sacrifices allow us to meet our customer’s needs on a daily basis and build a strong foundation for future growth,” Cossingham continued. “I am convinced that the company’s greatest accomplishments are still to come. With the confidence of our customers and commitment of our employees, our journey is just beginning”.

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About National Field Representatives

National Field Representatives is a privately held corporation headquartered in Claremont, NH with four locations in Claremont and Sarasota, FL. National Field Representatives is a leading provider of nationwide Mortgage Field Services.


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 Mortgagee Letter 10-18 (PDF)

HUD Mortgagee Letter 10-18 FAQ's (

HUD Mortgagee Letter Index (

HUD Update 2008 – 31 (.doc)


Fannie Mae

Servicing Guide Announcement SVC-2013-22

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


Freddie Mac

Bulletin 3-17-14

Exhibit 57 – Effective 3/15/2014 (PDF)

FMAC Approved Expense Amounts (PDF)



VA Regs - Circular 26-09-12 (PDF)


Aware of a new ordinance or regulation? Please send to


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NFR News

CMBA 19th Annual Western States Loan Servicing Conference


NFR is a proud sponsor of the CMBA 19th Annual Western States Loan Servicing Conference, August 3rd to 5th, 2014. We invite you to visit our booth and discuss your Field Service needs with Margie and Mary.

NFR's Independence Day Closing.


National Field Representatives will be closed July 4th, 2014, in Observance of Independence Day.

NFR's Memorial Day Closing


In observance of Memorial Day, National Field Representatives will be closed Monday, May 26, 2014.

Flooding Update 5/6/2014
Field reps are reporting considerable improvement in these areas. Most areas have access. We will advise if otherwise.

Recent flooding is impacting field reps in MD, DE, FL, AR, MO, LA, AL, and MS. 5/1/2014
Photos provided by a Maryland National Field Reps inspector show multiple roads under water and mudslides taking down vehicles.

NFR and our dedicated reps are working diligently to address these challenges but please be advised of closed roads, the traffic impact of emergency repairs, and just plain inaccessible areas that may unfortunately impact some results, in the short term, in these effected areas. Click this link for more news on the Maryland flooding.

8th Annual Mortgage Servicing Conference 4/25/2014
As we return from the Mortgage Servicing Conference just concluded in Dallas, Texas, we want to take this opportunity to thank those who were able to stop by our booth and those with whom we were able to meet.

In these ever changing times, it is indeed beneficial to communicate and network with others in our challenging industry. There was lots of discussion around the compliance issues we all face. The near future will almost certainly mean continuing scrutiny with even more audits expected.

As always, please know NFR is here to assist you in any way we can.


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