source:
  type: guide
  id: fnma-svc-f-3-04
  authority: 'Fannie Mae Servicing Guide F-3-04 — Acronyms and Glossary of Defined
    Terms: D'
  description: 'Fannie Mae Servicing Guide F-3-04 — Acronyms and Glossary of Defined
    Terms: D.'
  coverage_tier: operative
obligations:
- id: fnma-svc-f-3-04-full
  canonical_id: fnma-svc-f-3-04-full
  section: 'Fannie Mae Servicing Guide F-3-04 — Acronyms and Glossary of Defined Terms:
    D'
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 'Fannie Mae Servicing Guide F-3-04 — Acronyms and Glossary of Defined
      Terms: D'
    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-3-04, Acronyms and Glossary of Deﬁned Terms: D (08/17/2016)
      data breach An incident of unauthorized access or use of borrower information
      that results in any loss, unauthorized use, disclosure, unauthorized access,
      or unauthorized acquisition of information that is considered NPI (as deﬁned
      by the Gramm-Leach-Bliley Act, 15 USC § 6809). deferred payment obligation (DPO)
      The unpaid portion of the MI claim where the failure to pay the full amount
      due on the claim is solely attributable to the mortgage insurer’s ﬁnancial inability
      to pay or its insolvency. deferred payment obligation (DPO) mortgage insurer
      A mortgage insurer that is insolvent or has the ﬁnancial inability to pay its
      claims in full. Published May 13, 2026 726 delinquency advance An amount advanced
      by a servicer in respect of interest or principal on one or more mortgage loans,
      as required by their servicing contract, even though the servicer has not collected
      the actual funds from the related borrowers. demand A demand issued by Fannie
      Mae to a seller/servicer or other responsible party to provide a speciﬁc servicing
      remedy as provided in the Lender Contract. The issuance of a notice of servicing
      defect or request for payment of compensatory fees is not considered a “demand.”
      demand deposit account A bank account in which the funds are available for withdrawal
      at any time without penalty. deterioration A loss in value that is caused by
      deterioration in the physical condition of a property’s improvements. direct
      surety bond A class of bond that is written to aﬀord protection for the direct
      acts of the principal in the event of a loss caused by the principal’s negligence,
      lack of ability, or dishonest act. DTI Debt-to-income ratio DU Desktop Underwriter'
  judgment: false
