National Field Representatives



Contractors — Access

Home   |   About NFR   |   NFR News   |   Contact Us   |   Working with NFR
National Field Reps  - we're in this together.


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

Property Preservation Matrix – July 2017 (PDF)

FNMA Lender Letter LL-2017-07 (PDF)

Servicing Guide Procedures: SVC-2017-06 (PDF)

Preforeclosure Clear Boarding Clarifications (PDF)

Servicing Guide Announcement SVC-2016-10 (PDF)

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

FMAC Bulletin 4-20-17 2017-5 (PDF)

Exhibit 57 – Effective 4/20/17 (PDF)

Exhibit 57 – Effective 2/15/17 (PDF)

Exhibit 57 – Effective 10/20/14 (PDF)

Bulletin 3-17-14


VA M26-4 Appendix H - November 2016 (PDF)

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
NFR Differences







NFR News

Press Release April 3, 2017

On March 9th Steve A. Cossingham, of Newport NH, was involved in a serious accident while riding a horse at his home, Full Circle Farm.


Following the accident he was transported to DHMC in Lebanon, in critical condition. Mr. Cossingham had remained in a coma since the accident occurred and passed away Sunday afternoon (April 2nd).


Mr. Cossingham was the founder and President of National Field Representatives, Inc. founded in 1989 and based in Claremont, NH. NFR has three offices in Claremont, which will be consolidated to the Maple Avenue office currently under expansion, and one office in Bradenton, FL. NFR was recently named Business of the Year by the Claremont Chamber of Commerce and also in the Top 100 Private Companies by NH Business Magazine.


NFR, which provides services to the mortgage industry for all 50 states and territories, has a professional and experienced management team with an average of 14 years with the company, all assembled and mentored by Steve. While Mr. Cossingham’s passing is difficult for all of NFR's employees, the management team and staff that Mr. Cossingham put into place will continue to maintain NFR as the best service company in the mortgage industry.

National Mortgage Servicing Conference & Expo

Feb 14-17, 2017

NFR will be attending the MBA’s National Mortgage Servicing Conference & Expo  2017, February 14-17, at the Gaylord Texan Hotel & Convention Center in Dallas, TX.


Stop by Booth #405 and meet our staff – Margie Schagen, Business Development Manager; Brad Cossingham, Property Preservation Vice President; Jill Cannon, Property Preservation Manager; and Eli Steele, Business Systems Analyst


Leave us your business card for a chance to win an Apple Watch.

2017 Holiday Closings


NFR will be closed on the following days:

  • New Year’s Day – Monday, January 2
  • Memorial Day – Monday, May 29
  • Independence Day – Tuesday, July 4
  • Labor Day – Monday, September 4
  • Thanksgiving Day – Thurs, November 23
  • Christmas Day – Monday, December 25


National Field RepresentativesServices | The NFR Difference | About NFR | NFR News | Contact Us | Privacy Policy © 2017 National Field Representatives. All Rights Reserved