source:
  type: guide
  id: fnma-svc-d1-4.3-01
  authority: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA
    and VA Mortgage Loans
  description: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA
    and VA Mortgage Loans.
  coverage_tier: operative
obligations:
- id: fnma-svc-d1-4.3-01-full
  canonical_id: fnma-svc-d1-4.3-01-full
  section: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and
    VA Mortgage Loans
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA
      and VA Mortgage Loans
    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: D1-4.3-01, Transfers of Ownership on FHA and VA Mortgage Loans
      (11/08/2017) Introduction This topic contains information on transfers of ownership
      on FHA and VA mortgage loans. Transfers of Ownership on FHA and VA Mortgage
      Loans Transfers of Ownership on FHA and VA Mortgage Loans The servicer must
      evaluate and process the transfer of ownership for an FHA or VA mortgage loan
      in compliance with applicable regulations and procedures. When a transfer of
      ownership occurs for an FHA or VA mortgage loan that is not subject to a due-on-sale
      provision, the servicer must notify the applicable property insurance companies,
      tax authorities, FHA or VA (as applicable), and any other interested parties.
      If the new borrower does not provide their own property insurance policy, the
      servicer must request the insurer to prepare an endorsement to the existing
      property insurance policy to name the new borrower. The servicer must follow
      the procedures in Completing a Transfer of Ownership in F-1-17, Processing a
      Transfer of Ownership for detailed requirements related to executing the assumption
      (or assumption and release) agreement. Recent Related Announcements There are
      no recently issued Announcements related to this topic.
  judgment: false
