FNMA Servicing Guide D1-1 — Requests for the Release of Property and/or Charge-Off of a Mortgage Loan

fnma-svc-d1-1

Servicing Guide Chapter D1-1 governs borrower requests for release/partial release of property securing a Fannie Mae mortgage loan.

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source:
  type: regulation
  id: fnma-svc-d1-1
  authority: FNMA Servicing Guide D1-1 — Requests for the Release of Property and/or Charge-Off of a Mortgage Loan
  description: |
    Servicing Guide Chapter D1-1 governs borrower requests for release/partial release of property securing a Fannie Mae mortgage loan.
obligations:
  - id: fnma-svc-d1-1-form-236-required-for-release-request
    canonical_id: fnma-svc-d1-1-form-236-required-for-release-request
    section: FNMA Servicing Guide D1-1-01 — Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan
    description: |
      To request a review for a release, or partial release, of property
      securing a Fannie Mae mortgage loan, the borrower must submit an
      Application for Release of Security (Form 236) to [LENDER]. An
      application is considered complete when all required documentation and
      information, as outlined within the Servicing Guide and Form 236, has
      been obtained. When [LENDER] receives a complete application, [LENDER]
      must counsel the borrower to consider the costs and benefits of any
      action covered by this policy prior to evaluating the request and must
      then evaluate each request in accordance with the Guide.
    type: do
    audit_question: For every borrower request to release or partially release property securing a Fannie Mae mortgage loan, can [LENDER] evidence receipt of a complete Form 236, pre-evaluation borrower counseling on costs/benefits, and Guide-conforming evaluation?
    program_review: Does the program ensure a release/partial-release request runs on a complete Form 236, with pre-evaluation borrower counseling on costs/benefits and a Guide-conforming evaluation?
    file_review: For release-of-security requests, confirm a complete Form 236, documented cost/benefit counseling, and Guide-conforming evaluation.
    judgment: false
    feeds:
      - fnma-svc-d1-1-texas-50-a-6-escalation
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - release-of-security
      - form-236
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D1-1-01
      source_class: fnma-guide
      source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
      snapshot_id: cf63a82bbb4adfba
      fetched_at: '2026-05-22T23:53:19Z'
      content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
      paragraph_quote: To request a review for a release, or partial release, of property securing a mortgage loan, the borrower must
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-1) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:11+00:00'
    promoted_from: fnma-svc-d1-1-roundb-v1.yaml
  - id: fnma-svc-d1-1-texas-50-a-6-escalation
    canonical_id: fnma-svc-d1-1-texas-50-a-6-escalation
    section: FNMA Servicing Guide D1-1-01 — Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan
    description: |
      With the exception of eminent domain actions that fall within the
      policies in the Servicing Guide, all requests related to Texas Section
      50(a)(6) loans must be escalated to Fannie Mae for review and
      decisioning; [LENDER] must submit the complete application and all
      required documentation to Fannie Mae's SF CPM division.
    type: do
    audit_question: For every borrower release-of-security request on a Texas Section 50(a)(6) Fannie Mae mortgage loan (other than an eminent domain action covered by the Guide), can [LENDER] evidence escalation to Fannie Mae's SF CPM division for non-delegated review?
    program_review: Does the program account for the Texas 50(a)(6) carve-out — escalating all such release requests (other than Guide-covered eminent domain) to FNMA's SF CPM division as non-delegated, with the complete application submitted?
    file_review: For Texas 50(a)(6) release requests (non-eminent-domain), confirm escalation to FNMA SF CPM with the complete application.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - texas-50a6
      - escalation
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D1-1-01
      source_class: fnma-guide
      source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
      snapshot_id: cf63a82bbb4adfba
      fetched_at: '2026-05-22T23:53:19Z'
      content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
      paragraph_quote: that extenuating circumstances exist, the servicer must submit the request to Fannie Mae for a non-delegated
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-1) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:11+00:00'
    promoted_from: fnma-svc-d1-1-roundb-v1.yaml
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Verbatim regulatory text (2)

Verbatim provisions from FNMA Servicing Guide D1-1 — Requests for the Release of Property and/or Charge-Off of a Mortgage Loan — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

FNMA Servicing Guide D1-1-01 — Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan

To request a review for a release, or partial release, of property securing a mortgage loan, the borrower must

Source: FNMA Servicing Guide D1-1-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide D1-1-01 — Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan

that extenuating circumstances exist, the servicer must submit the request to Fannie Mae for a non-delegated

Source: FNMA Servicing Guide D1-1-01 · source URL · snapshot cf63a82bbb4adfba