If the Mortgagee reports DDR Code 31, Unable to Contact Borrower, in SFDMS, the Mortgagee must document its efforts to contact the Borrower in the servicing file and continue to try to determine the reason for the delinquency Default.
Questions related to the SFDMS may be emailed to firstname.lastname@example.org
HUD's Single Family Delinquency / Default Reporting web page is available at https://www.hud.gov/program_offices/housing/sfh/nsc/sfdms
See policy in Handbook 4000.1 Section III.A.2.h.xiii. at: https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh