source:
  type: guide
  id: fnma-svc-e-1.2-04
  authority: Fannie Mae Servicing Guide E-1.2-04 — Timing of the Foreclosure Referral
    for Government Mortgage Loans
  description: Fannie Mae Servicing Guide E-1.2-04 — Timing of the Foreclosure Referral
    for Government Mortgage Loans.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-1.2-04-full
  canonical_id: fnma-svc-e-1.2-04-full
  section: Fannie Mae Servicing Guide E-1.2-04 — Timing of the Foreclosure Referral
    for Government Mortgage Loans
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-1.2-04 — Timing of the Foreclosure Referral
      for Government 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: E-1.2-04, Timing of the Foreclosure Referral for Government Mortgage
      Loans (11/12/2014) If the borrower does not pursue FHA’s foreclosure prevention
      alternatives (or is not eligible for them), the servicer must refer the mortgage
      loan to a law ﬁrm to begin foreclosure proceedings in compliance with FHA’s
      guidelines if permitted by applicable law. The servicer of a VA-guaranteed mortgage
      loan must send all notices the VA requires to notify the borrower of their breach
      of the terms of the mortgage loan and refer the mortgage loan to a law ﬁrm to
      begin foreclosure proceedings in compliance with VA guidelines if permitted
      by applicable law. Recent Related Announcements There are no recently issued
      Announcements related to this topic. Section E-1.3, Handling Non-Routine Litigation
  judgment: false
