During a servicing transfer, for how long is the borrower protected from late fees if they accidentally send payment to the old servicer?

Correct answer: 60 days after transfer

The 60-day grace period begins on the transfer effective date. During this window, if the borrower sends an on-time payment to the old servicer instead of the new one, the borrower CANNOT be charged a late fee. The old servicer must forward the payment or the new servicer must accept it without penalty. This protection exists because borrowers often miss or forget transfer notices. After 60 days, the borrower is expected to have transitioned to the new servicer.