Could someone please explain to me what the word "first" means in the small services foreclosure notice requirements?

Our mortgages indicate that we will send notice to the borrower when the loan is not less than 30 delinquent-which we do. We send them what I will call a foreclosure letter saying Mr. & Mrs. Delinquent borrower, you are now two months delinquent and you have 30 days (which will make them 90 days) to pay the payments or "foreclosure" procedings will begin. Once the 90 days elapses and the title work is completed, it is probably another 30 days-now 120 days out. We would then advertise the sale in the paper.

My question, what is considered the first notice required for a foreclosure process. Is it that first letter sent (required by the mortgage before starting foreclosure) OR is it the first notice of sale posted in the paper.

Another related issue to this is that PMI companies seem to be saying that if you haven't started your foreclosure process before 120 days they may deny the claim. Have you had this discussion with them? How will this work?
Thanks.

Bump

We will consider the first notice required for a foreclosure process is the NOI (Notice of Intent to Accelarate the note) which is mailed by the attorney. This is a legal
notice gives them 30 days to bring the note current. If they do not, then they get the NOA (notice of accelaration) where the entire note is paid or we foreclose.

FYI- Our attorney also confirmed it will be the NOA letter we first send and not the notice posted in the newspaper.

We are wondering how this will affect the Act 91 Notice PA requires.