FNMA Servicing Guide D1-4 — Transfers of Ownership

fnma-svc-d1-4

Servicing Guide Chapter D1-4 governs enforcement of the due-on-sale/due-on-transfer provision and exempt transactions.

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source:
  type: regulation
  id: fnma-svc-d1-4
  authority: FNMA Servicing Guide D1-4 — Transfers of Ownership
  description: |
    Servicing Guide Chapter D1-4 governs enforcement of the due-on-sale/due-on-transfer provision and exempt transactions.
obligations:
  - id: fnma-svc-d1-4-due-on-sale-investigation
    canonical_id: fnma-svc-d1-4-due-on-sale-investigation
    section: FNMA Servicing Guide D1-4.1-01 — Determining Whether a Transfer of Ownership Is Permitted
    description: |
      When [LENDER] receives a request for a statement of account in
      connection with a possible transfer of ownership of a property, or if
      [LENDER] learns after the fact that a transfer has occurred, [LENDER]
      must review the mortgage loan instruments to determine whether the
      mortgage loan is subject to enforcement of the due-on-sale (or
      due-on-transfer) provision, investigate any questionable changes to
      determine whether a transfer of ownership has occurred, and determine
      whether any action needs to be taken to enforce the due-on-sale (or
      due-on-transfer) provision.
    type: do
    audit_question: For every statement-of-account request or after-the-fact transfer discovery on a Fannie Mae mortgage loan, can [LENDER] evidence review of the loan instruments, investigation of any questionable changes, and a documented enforcement determination for the due-on-sale (or due-on-transfer) provision?
    program_review: Does the program ensure that on a statement-of-account request tied to a possible transfer (or after-the-fact transfer discovery) the loan instruments are reviewed, questionable changes investigated, and a due-on-sale/due-on-transfer enforcement determination made?
    file_review: For transfer-related events, confirm the instrument review, investigation of questionable changes, and a documented enforcement determination. The compliance person judges whether the investigation was adequate.
    judgment: true
    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
      - transfer-of-ownership
      - due-on-sale
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D1-4.1-01
      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: Review the mortgage loan instruments to determine whether the mortgage loan is subject to enforcement of the due-on-sale (or due-on-transfer) provision.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-4) at 2026-05-22.
      quote_healed: true
    promoted_at: '2026-05-23T00:25:11+00:00'
    promoted_from: fnma-svc-d1-4-roundb-v1.yaml
  - id: fnma-svc-d1-4-exempt-transactions-no-approval
    canonical_id: fnma-svc-d1-4-exempt-transactions-no-approval
    section: FNMA Servicing Guide D1-4.1-02 — Allowable Exemptions Due to the Type of Transfer
    description: |
      Unless the previous borrower requests a release of liability, [LENDER]
      must process exempt transactions (the categories enumerated in
      D1-4.1-02, including specified joint-tenant survivorships, junior-
      lienholder foreclosures, certain co-borrower transfers, occupant
      natural-person transfers, qualifying leasehold interests, certain
      subordinate-lien creations, and listed family-member / divorce-decree
      / inter vivos trust transfers) without reviewing or approving the
      terms of the transfer.
    type: do
    audit_question: For every D1-4.1-02 exempt transfer event on a Fannie Mae mortgage loan, can [LENDER] evidence processing without unilateral review/approval of the transfer terms (absent a prior-borrower release-of-liability request)?
    program_review: Does the program account for the D1-4.1-02 exempt-transfer categories — processing them without reviewing/approving the transfer terms unless the prior borrower requests a release of liability?
    file_review: Spot-check exemplar exempt-transfer events; confirm processing without unilateral term review/approval absent a release-of-liability request.
    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
      - transfer-of-ownership
      - exempt-transactions
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D1-4.1-02
      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: Unless the previous borrower requests a release of liability, the servicer must process the following exempt
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-4) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:11+00:00'
    promoted_from: fnma-svc-d1-4-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:25:11+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-d1-4-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from FNMA Servicing Guide D1-4 — Transfers of Ownership — 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 D1-4.1-01 — Determining Whether a Transfer of Ownership Is Permitted

Review the mortgage loan instruments to determine whether the mortgage loan is subject to enforcement of the due-on-sale (or due-on-transfer) provision.

Source: FNMA Servicing Guide D1-4.1-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide D1-4.1-02 — Allowable Exemptions Due to the Type of Transfer

Unless the previous borrower requests a release of liability, the servicer must process the following exempt

Source: FNMA Servicing Guide D1-4.1-02 · source URL · snapshot cf63a82bbb4adfba

Did an assistant just answer a Fannie Mae question for you? Announcements change Guide topics, but the old wording keeps circulating. An assistant will hand you the prior version and name no date at all. This page is the operative text, with its effective date.

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Operationalizing FNMA Servicing Guide D1-4 — Transfers of Ownership

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.

Source of record: https://claudeforcompliance.com/regs/fnma-svc-d1-4/ · register fnma-svc-d1-4 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.