source:
  type: guide
  id: fnma-svc-f-1-22
  authority: Fannie Mae Servicing Guide F-1-22 — Reporting a Workout Option via Fannie
    Mae's Servicing Solutions System
  description: Fannie Mae Servicing Guide F-1-22 — Reporting a Workout Option via
    Fannie Mae's Servicing Solutions System.
  coverage_tier: operative
obligations:
- id: fnma-svc-f-1-22-full
  canonical_id: fnma-svc-f-1-22-full
  section: Fannie Mae Servicing Guide F-1-22 — Reporting a Workout Option via Fannie
    Mae's Servicing Solutions System
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide F-1-22 — Reporting a Workout Option via
      Fannie Mae's Servicing Solutions System
    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: 'F-1-22, Reporting a Workout Option via Fannie Mae’s Servicing
      Solutions System (10/11/2023) Introduction This Servicing Guide Procedure contains
      the following: Reporting a Combination of a Forbearance Plan and Repayment Plan
      to Fannie Mae Reporting a Payment Deferral to Fannie Mae Reporting a Mortgage
      Loan Modiﬁcation to Fannie Mae Reporting a Government Mortgage Loan Modiﬁcation
      to Fannie Mae Reporting a Mortgage Release to Fannie Mae Reporting a Combination
      of a Forbearance Plan and Repayment Plan to Fannie Mae The servicer must evaluate
      a borrower for a workout option in accordance with D2-3.1-01, Determining the
      Appropriate Workout Option. When the servicer structures a combination of workout
      options in an agreement that includes forbearance and a repayment plan, it must
      report the workout option to Fannie Mae as follows: use a forbearance plan code
      during the forbearance period (when monthly payments are reduced or suspended),
      and use a repayment plan code during the repayment period (when regular monthly
      payments have resumed and additional payments are scheduled to be made to cure
      the delinquency). Reporting a Payment Deferral to Fannie Mae The servicer must
      evaluate a borrower for a payment deferral and submit an eligible payment deferral
      case to Fannie Mae''s servicing solutions system by entering loan-level information,
      including the applicable campaign ID to identify a payment deferral, in accordance
      with D2-3.2-04, Payment Deferral and D2-3.2-05, Disaster Payment Deferral. If
      the borrower is required to make their full monthly contractual payment during
      the month of the solicitation, the servicer must remit and report using a Loan
      Activity Record (LAR) to Fannie Mae the borrower''s full monthly contractual
      payment prior to completing the payment deferral in Fannie Mae''s servicing
      solutions system. Published May 13, 2026 666 If the servicer uses a processing
      month, the servicer must enter the payment deferral case within the processing
      month but no later than the last day of such month. If a full monthly contractual
      payment is required in the processing month, then the servicer must remit and
      report using a LAR to Fannie Mae the borrower''s full monthly contractual payment
      due in the processing month prior to completing the payment deferral in Fannie
      Mae''s servicing solutions system. Note: If the servicer does not report using
      a LAR the full monthly contractual payment at least one business day prior to
      the last day of the month, the servicer will not be able to complete the payment
      deferral case during that month. If the UPB or LPI reported in Fannie Mae’s
      servicing solutions system prior to application of a payment deferral does not
      agree with the last reported UPB or LPI in Fannie Mae’s investor reporting system,
      the payment deferral will not be processed in Fannie Mae’s investor reporting
      system until the discrepancy is resolved. See the Investor Reporting Manual
      for additional information. Reporting a Mortgage Loan Modiﬁcation to Fannie
      Mae The servicer must evaluate a borrower for Fannie Mae’s mortgage loan modiﬁcation
      options in accordance with Fannie Mae’s Servicing Guide. The following table
      outlines the required servicer actions to report a Fannie Mae mortgage loan
      modiﬁcation to Fannie Mae. Step Servicer Action 1 Submit a case into Fannie
      Mae’s servicing solutions system by entering loan-level information, including:
      • a property valuation, and • the applicable campaign ID to identify the mortgage
      loan modiﬁcation program under which the case is being submitted. 2 Report loan-level
      data in Fannie Mae’s servicing solutions system upon receipt of the borrower’s
      ﬁrst Trial Period Plan payment and all subsequent Trial Period Plan payments
      under the Trial Period Plan. If the borrower makes all required Trial Period
      Plan payments, continue to step 3. If not, cancel the case in Fannie Mae’s servicing
      solutions system and do not continue to step 3. 3 After application of all Trial
      Period Plan payments made by the borrower, the servicer must represent and warrant
      in Fannie Mae’s servicing solutions system that once the sum of payments totals
      a full contractual payment on the underlying mortgage loan, the borrower has
      been in a delinquent status (that is, not current in contractual payments) on
      each of the last four monthly payment due dates and continues to be delinquent.
      Published May 13, 2026 667 Step Servicer Action 4 After Fannie Mae’s prior written
      approval is obtained, if required, and the MBS mortgage loan is reclassiﬁed,
      if applicable, the servicer will update the Oﬃcer Signature Date in Fannie Mae’s
      servicing solutions system to close the mortgage loan modiﬁcation. Note: If
      the pre-modiﬁcation UPB or the pre-modiﬁcation LPI reported in Fannie Mae’s
      servicing solutions system for the closed mortgage loan modiﬁcation does not
      agree with the pre- modiﬁcation UPB or LPI in Fannie Mae’s investor reporting
      system, the mortgage loan modiﬁcation will not be processed in Fannie Mae’s
      investor reporting system until the discrepancy is resolved. Reporting a Government
      Mortgage Loan Modiﬁcation to Fannie Mae For a government mortgage loan, the
      servicer must evaluate a borrower for and complete a mortgage loan modiﬁcation
      in accordance with D2-3.2-03, Government Mortgage Loan Modiﬁcations. The following
      table outlines the requirements to report a government mortgage loan modiﬁcation
      to Fannie Mae. Step Servicer Action 1 Obtain a signed mortgage loan modiﬁcation
      agreement from the borrower(s) and any co-makers or endorsers of the note. 2
      Have its authorized representative sign the completed mortgage loan modiﬁcation
      agreement to indicate the servicer’s approval of the mortgage loan modiﬁcation
      or extension. 3 Submit the information pertaining to the mortgage loan modiﬁcation
      as a case in Fannie Mae’s servicing solutions system, and upload the executed
      mortgage loan modiﬁcation agreement. Note: If Fannie Mae notiﬁes the servicer
      of any discrepancies between the information entered into Fannie Mae’s servicing
      solutions system and Fannie Mae’s investor reporting system, continue with steps
      4 and 5. Published May 13, 2026 668 Step Servicer Action 4 Work with Fannie
      Mae to identify the proper corrective action required to resolve the issue(s).
      If the servicer determines that… Then the servicer must... the data entered
      into Fannie Mae’s servicing solutions system was incorrect • cancel the case
      in Fannie Mae’s servicing solutions system, • correct the data, and • resubmit
      a case via Fannie Mae’s servicing solutions system. the data reported through
      the LAR was inaccurate submit a corrected LAR. 5 Notify Fannie Mae when it has
      completed the appropriate corrective action. Note: Fannie Mae will then resolve
      the error in its investor reporting system. The servicer can conﬁrm that the
      investor reporting system accurately applied the modiﬁed terms after the error
      is resolved. Reporting a Mortgage Release to Fannie Mae The servicer must evaluate
      a borrower and execute a Mortgage Release in accordance with D2-3.3-02, Fannie
      Mae Mortgage Release (Deed-in-Lieu of Foreclosure). The following table outlines
      the required servicer actions to report a Fannie Mae Mortgage Release to Fannie
      Mae. Step Servicer Action 1 Once the servicer has received all required documentation,
      including the interior property inspection report, if applicable, it must report
      its ﬁnal acceptance of the Mortgage Release to Fannie Mae through Fannie Mae’s
      servicing solutions system. Note: Regardless of the transition option, the servicer
      must submit the case to Fannie Mae through Fannie Mae’s servicing solutions
      system to report its ﬁnal acceptance of the Mortgage Release. Published May
      13, 2026 669 Step Servicer Action 2 Review and conﬁrm the REOgram, in accordance
      with Timing of the REOgram in E-4.1-01, Notifying Fannie Mae of an Acquired
      Property and submit any applicable lien release documents and contact information
      for the HOA, to Fannie Mae’s SF CPM division (see F-4-02, List of Contacts).
      Note: Also see A1-4.2-01, Compensatory Fees Other Than Delays in the Liquidation
      Process, for additional information on applicable compensatory fees. Note: The
      servicer must submit the case into Fannie Mae’s servicing solutions system,
      regardless of the transition option chosen, to complete its ﬁnal acceptance
      of the Mortgage Release. Also, the servicer must see the Investor Reporting
      Manual for detailed requirements on how to report to Fannie Mae’s investor reporting
      system. Recent Related Announcements The table below provides references to
      recently issued Announcements that are related to this topic. Announcements
      Issue Date Announcement SVC-2023-05 October 11, 2023 Announcement SVC-2021-06
      September 8, 2021 Announcement SVC-2021-04 July 14, 2021 Announcement SVC-2020-07
      December 9, 2020 Announcement SVC-2020-04 September 9, 2020'
  judgment: false
