source:
  type: regulation
  id: fnma-svc-d1-4.1-05
  authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
    Provision (11/08/2017)
  description: "Fannie Mae Single Family Servicing Guide topic D1-4.1-05 (Enforcing the Due-on-Sale (or Due-on-Transfer)\
    \ Provision). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fnma-svc-d1-4.1-05-0
  canonical_id: fnma-svc-d1-4.1-05-0
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: (11/08/2017) Introduction This
    topic contains information on enforcing the due-on-sale (or due-on-transfer) provision. Unless the transfer
    of ownership is an exempt transaction or involves a property that secures a “window-period” mortgage loan, the
    servicer must accelerate the d…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: (11/08/2017) Introduction This topic contains information on enforcing the due-on-sale (or
      due-on-transfer) provision. Unless the transfer of ownership is an exempt transaction or involves a property
      that secures a “window-period” mortgage loan, the servicer must accelerate the debt. The servicer must send
      any notices required under the terms of the mortgage loan and applicable law before it accelerates the debt.
      If the funds required to satisfy the debt are not received, the servicer should then begin foreclosure proceedings.
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
- id: fnma-svc-d1-4.1-05-1
  canonical_id: fnma-svc-d1-4.1-05-1
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: Qualifying Mortgage Assumption
    Workout Option for information on mortgage loan assumptions. Optional repurchase of certain mortgage loans.
    See'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: Qualifying Mortgage Assumption Workout Option for information on mortgage loan assumptions.
      Optional repurchase of certain mortgage loans. See
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
- id: fnma-svc-d1-4.1-05-2
  canonical_id: fnma-svc-d1-4.1-05-2
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: Requirements for Voluntary Repurchase
    for additional information. Potential litigation. If the legality of the due-on-sale (or due-on-transfer) provision
    is questioned or litigated, see'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: Requirements for Voluntary Repurchase for additional information. Potential litigation. If
      the legality of the due-on-sale (or due-on-transfer) provision is questioned or litigated, see
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
- id: fnma-svc-d1-4.1-05-3
  canonical_id: fnma-svc-d1-4.1-05-3
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: Handling Notices of Liens, Legal
    Action, Other Actions Impacting Fannie Mae’s Interest for Fannie Mae’s requirements for handling the action.
    Recent Related Announcements There are no recently issued Announcements related to this topic. Section D1-4.2,
    Information Relating to Tra…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: Handling Notices of Liens, Legal Action, Other Actions Impacting Fannie Mae’s Interest for
      Fannie Mae’s requirements for handling the action. Recent Related Announcements There are no recently issued
      Announcements related to this topic. Section D1-4.2, Information Relating to Transfers of Ownership on Conventional
      Mortgage Loans
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
- id: fnma-svc-d1-4.1-05-4
  canonical_id: fnma-svc-d1-4.1-05-4
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: Conventional Mortgage Loans
    that Do Not Include a Due- on-Sale (or Due-on-Transfer) Provision (09/09/2020) Introduction This topic contains
    information on conventional mortgage loans that do not include a due-on-sale (or due-on- transfer) provision.
    The following table describes …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: Conventional Mortgage Loans that Do Not Include a Due- on-Sale (or Due-on-Transfer) Provision
      (09/09/2020) Introduction This topic contains information on conventional mortgage loans that do not include
      a due-on-sale (or due-on- transfer) provision. The following table describes the servicer’s responsibility
      if a mortgage loan not subject to a due-on-sale (or due-on-transfer) provision is modiﬁed or subject to a
      payment deferral.
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
- id: fnma-svc-d1-4.1-05-5
  canonical_id: fnma-svc-d1-4.1-05-5
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: Conventional Mortgage Loans
    That Include a Due- on-Sale (or Due-on-Transfer) Provision for additional information. For all other mortgage
    loans that are not subject to a due-on-sale (or due-on-transfer) provision, there are no restrictions on the
    transfer of ownership. However, t…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: Conventional Mortgage Loans That Include a Due- on-Sale (or Due-on-Transfer) Provision for
      additional information. For all other mortgage loans that are not subject to a due-on-sale (or due-on-transfer)
      provision, there are no restrictions on the transfer of ownership. However, the servicer must determine that
      the purchaser’s credit and ﬁnancial capacity is acceptable under current Fannie Mae underwriting guidelines
      if the previous borrower requests a release of liability. See F-1-28, Reviewing a Transfer of Ownership for
      Credit and Financial Capacity for the servicer’s requirements for evaluating a request for a release of liability.
      The servicer must follow Obtaining MI Approval for a Conventional Mortgage Loan in F-1-17, Processing a Transfer
      of Ownership for information on obtaining mortgage insurer approval and 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. The servicer must notify the applicable property insurance companies,
      tax authorities, the mortgage insurer, and any other interested parties. If the purchaser did not provide
      a new 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 also obtain a new MI policy for an insured
      mortgage loan or an agreement that extends the previous coverage to the new borrower. Recent Related Announcements
      The table below provides references to recently issued Announcements that are related to this topic. Announcements
      Issue Date Announcement SVC-2020-04 September 9, 2020
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
- id: fnma-svc-d1-4.1-05-6
  canonical_id: fnma-svc-d1-4.1-05-6
  section: Fannie Mae Single Family Servicing Guide D1-4.1-05
  description: 'D1-4.1-05 Enforcing the Due-on-Sale (or Due-on-Transfer) Provision: Conventional Mortgage Loans
    That Include a Due- on-Sale (or Due-on-Transfer) Provision (11/08/2017) Introduction This topic contains the
    following: Determining When to Refer to the Participating Lender’s Policy Non-Exempt Transactions: Exceptions
    for Certain Loan Types if the Pur…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Servicing Guide D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer)
      Provision (11/08/2017)
    source_class: gse-guide
    source_url: https://servicing-guide.fanniemae.com/
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: 'Conventional Mortgage Loans That Include a Due- on-Sale (or Due-on-Transfer) Provision (11/08/2017)
      Introduction This topic contains the following: Determining When to Refer to the Participating Lender’s Policy
      Non-Exempt Transactions: Exceptions for Certain Loan Types if the Purchaser is Creditworthy Determining When
      to Refer to the Participating Lender’s Policy The servicer must refer to the participating lender’s policies
      for the following mortgage loans as Fannie Mae’s policies do not apply: Participation pool mortgage loans
      held in portfolio that were purchased from a supervised lender under commitments dated before August 1, 1983.
      Concurrent sales participation pool mortgage loans in which it holds a majority interest. Non-Exempt Transactions:
      Exceptions for Certain Loan Types if the Purchaser is Creditworthy The servicer is authorized to allow transfers
      of ownership for the following ﬁrst lien mortgage loans if all of the criteria listed below are satisﬁed:
      All ARMs and GPARMs, except for the following: those closed under ARM Plans 975, 1029, and 1103; those that
      have extended ﬁxed-rate periods (ARM Plans 659, 660, 661, 750, 751, 1423, 1437, 2724, 2725, 2726, 2727, 2728,
      2729, 3223, 3224, 3225, 3226, 3227, 3228, 3252 (except as limited for those plans that may be used for Texas
      Section 50(a)(6) loans), if the transfer would take place during the ﬁxed-rate period); and those that have
      been converted to ﬁxed-rate mortgage loans. Fixed-rate portfolio mortgage loans that Fannie Mae purchased
      under commitment contracts dated before November 10, 1980 unless the purchase of the property is ﬁnanced directly
      or indirectly with wraparound or secondary ﬁnancing from an institutional lender, or Fannie Mae has pooled
      a mortgage loan originally held as a portfolio mortgage loan to back an MBS. Fannie Mae will notify the servicer
      when it does this. The servicer must determine that all of the criteria listed in the following table are
      satisﬁed to approve a transfer of ownership.'
    drafter_attestation: Verbatim from Fannie Mae Single Family Servicing Guide D1-4.1-05 body (max-gap occurrence),
      snapshot cf63a82bbb4adfba; substring-verified.
  judgment: false
