source:
  type: guide
  id: fnma-svc-d1-4.1-01
  authority: Fannie Mae Servicing Guide D1-4.1-01 — Determining Whether a Transfer
    of Ownership Is Permitted
  description: Fannie Mae Servicing Guide D1-4.1-01 — Determining Whether a Transfer
    of Ownership Is Permitted.
  coverage_tier: operative
obligations:
- id: fnma-svc-d1-4.1-01-full
  canonical_id: fnma-svc-d1-4.1-01-full
  section: Fannie Mae Servicing Guide D1-4.1-01 — Determining Whether a Transfer of
    Ownership Is Permitted
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D1-4.1-01 — Determining Whether a Transfer
      of Ownership Is Permitted
    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: 'D1-4.1-01, Determining Whether a Transfer of Ownership Is Permitted
      (11/12/2014) Introduction This topic contains information on determining whether
      a transfer of ownership is permitted. Published May 13, 2026 269 For purposes
      of enforcing the due-on-sale (or due-on-transfer) provision, if any, in the
      security instrument, the servicer must consider all of the following situations
      to be a transfer of ownership: the purchase of a property “subject to” the mortgage
      loan, the assumption of the mortgage loan debt by the property purchaser, any
      exchange of possession of property under a land sales contract or any other
      land trust device, and in cases in which an inter vivos revocable trust is the
      borrower, any transfer of a beneﬁcial interest in the trust. When the servicer
      receives a request for a statement of account in connection with a possible
      transfer of ownership of a property, or if the servicer learns after the fact
      that a transfer has occurred, the servicer must take the actions listed in the
      following table. ✓ The servicer 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. Determine whether any action needs
      to be taken to enforce the due-on-sale (or due-on-transfer) provision. The statement
      of account that the servicer issues in connection with a possible transfer must
      clearly state the items listed in the following table. ✓ The statement of account
      must clearly... State Fannie Mae’s right to enforce the due-on-sale (or due-on-transfer)
      provision, if applicable. Describe Fannie Mae’s policy regarding enforcement
      of due-on-sale (or due-on-transfer) provisions. Describe any exceptions or limiting
      conditions to the policy. Recent Related Announcements There are no recently
      issued Announcements related to this topic. Published May 13, 2026 270'
  judgment: false
