source:
  type: guide
  id: fnma-svc-d1-3-01
  authority: Fannie Mae Servicing Guide D1-3-01 — Evaluating the Impact of a Disaster
    Event and Assisting a Borrower
  description: Fannie Mae Servicing Guide D1-3-01 — Evaluating the Impact of a Disaster
    Event and Assisting a Borrower.
  coverage_tier: operative
obligations:
- id: fnma-svc-d1-3-01-full
  canonical_id: fnma-svc-d1-3-01-full
  section: Fannie Mae Servicing Guide D1-3-01 — Evaluating the Impact of a Disaster
    Event and Assisting a Borrower
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D1-3-01 — Evaluating the Impact of a Disaster
      Event and Assisting a Borrower
    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: 'D1-3-01, Evaluating the Impact of a Disaster Event and Assisting
      a Borrower (04/08/2026) Introduction This topic contains the following: Evaluating
      the Extent and Nature of the Property Damage Servicer’s Responsibilities When
      a Borrower Is Aﬀected by a Disaster Event Workout Hierarchy for When a Borrower
      Is Aﬀected by a Disaster Event Foreclosure Proceedings for Disaster-Impacted
      Properties Published May 13, 2026 262 Evaluating the Extent and Nature of the
      Property Damage Disasters are earthquakes, ﬂoods, hurricanes, or other catastrophes
      caused by either nature or a person or event beyond the borrower''s control
      resulting in devastation in terms of property damage and destruction. When the
      servicer becomes aware that a disaster event has occurred, it must determine
      the extent and nature of the damage to any property securing a mortgage loan
      in the disaster area (regardless of whether the property is in a FEMA-Declared
      Disaster Area eligible for Individual Assistance) through reasonable means,
      including but not limited to: obtaining information from the borrower, or performing
      a property inspection when necessary. Note: The servicer is authorized, but
      not required, to attempt to contact the borrower or perform a property inspection
      if the mortgage loan is current at the time of the disaster event and remains
      current following the disaster event. When a disaster event occurs, the servicer
      is permitted to use predictive modeling data or alternative technology, such
      as aerial photography, to estimate the likelihood of damage in an area or to
      a property impacted by a disaster event. See D2-2-10, Requirements for Performing
      Property Inspections for additional information on property inspections. When
      inspecting impacted properties, the servicer must utilize the Property Inspection
      Report (Form 30) or equivalent. The servicer must exercise discretion in determining
      whether an interior or exterior property inspection is appropriate depending
      on the individual circumstances. The servicer is authorized to request reimbursement
      for disaster inspection costs incurred on current and delinquent mortgage loans
      when a property inspection is necessary. To request reimbursement, the servicer
      must follow the procedures in Reimbursement for Property Inspections and Property
      Preservation Expenses in F-1-05, Expense Reimbursement. The following table
      describes the servicer’s requirements when it becomes aware that a property
      securing a mortgage loan has incurred damage as a result of a disaster event.
      ✓ The servicer must... Determine whether the property is adequately insured
      against any damage in accordance with B-2, Property Insurance Requirements and
      B-3, Flood Insurance Requirements. Ensure that any applicable property insurance
      claims are ﬁled and settled promptly, and that the property is repaired fully
      in accordance with B-5-01, Insured Loss Events. Published May 13, 2026 263 ✓
      The servicer must... Follow the requirements in B-5-02, Uninsured Loss Events
      if there are uninsured losses. See the Property Preservation Matrix and Reference
      Guide for additional information on property inspections and property preservation.
      Servicer’s Responsibilities When a Borrower Is Aﬀected by a Disaster Event The
      following table describes the servicer''s requirements when a borrower is aﬀected
      by a disaster event. ✓ The servicer must... Counsel the borrower on the availability
      of appropriate workout options and federal disaster relief that might be available
      through FEMA. See Chapter D2-3, Fannie Mae’s Home Retention and Liquidation
      Workout Options for additional information on available workout options. Note:
      The servicer is also authorized to inform the borrower of Fannie Mae’s free
      disaster recovery housing counseling service as a resource to assist borrowers
      impacted by disasters (see F-4-02, List of Contacts). Evaluate each mortgage
      loan that is or becomes delinquent as a result of the borrower incurring damages
      or expenses related to the disaster event on a case-by-case basis. Ensure that
      the speciﬁc action that it takes does not jeopardize Fannie Mae’s ability to
      recover damages under any applicable property insurance policy. Contact its
      Fannie Mae Servicing Representative (see F-4-02, List of Contacts) if it needs
      assistance in determining how a policy should be applied or if it has determined
      that a departure from Fannie Mae’s policies is warranted. Refer to FHA, VA,
      or RD guidelines to determine appropriate procedures for extending relief to
      a borrower who has a government-insured or government-guaranteed mortgage loan.
      Workout Hierarchy for When a Borrower Is Aﬀected by a Disaster Event If the
      servicer determines that the borrower is unable to resolve a delinquency resulting
      from a disaster-related hardship through a reinstatement and cannot aﬀord a
      repayment plan, the servicer must evaluate the borrower Published May 13, 2026
      264 for a retention workout option in accordance with the following table. Published
      May 13, 2026 265 If the servicer... Then the servicer must evaluate the borrower
      aﬀected by the disaster event... achieves QRPC with the borrower, regardless
      of whether the borrower was on a disaster- related forbearance plan in accordance
      with the steps in the following table Step Servicer Action 1 Evaluate the borrower
      for a disaster payment deferral in accordance with Determining Eligibility for
      a Disaster Payment Deferral in D2-3.2-05, Disaster Payment Deferral If... Then
      the servicer must... the mortgage loan is eligible oﬀer a disaster payment deferral.
      the servicer determines that the borrower is not capable of maintaining the
      full contractual monthly PITI payment, including the amount required to repay
      any escrow shortage amount over a term of 60 months, or the mortgage loan is
      greater than 12 months delinquent proceed to step 2 2 Evaluate the borrower
      for a Fannie Mae Flex Modiﬁcation in accordance with the reduced eligibility
      criteria within Evaluating or Soliciting a Borrower with a Disaster-Related
      Hardship for a Fannie Mae Flex Modiﬁcation in D2-3.2-06, Fannie Mae Flex Modiﬁcation
      If the mortgage loan is... Then the servicer must... eligible oﬀer a Fannie
      Mae Flex Modiﬁcation two or more months delinquent at the time the disaster
      occurred, or less than 90 days delinquent proceed to step 3 3 Evaluate the borrower
      for a Fannie Mae Flex Modiﬁcation in accordance with D2-3.2-06, Fannie Mae Flex
      Modiﬁcation If the mortgage loan is... Then the servicer must... eligible oﬀer
      a Fannie Mae Flex Modiﬁcation. not eligible evaluate the borrower for a Fannie
      Mae Short Sale (see D2-3.3-01, Fannie Mae Short Sale or a Fannie Mae Mortgage
      Release (see D2-3.3-02, Fannie Mae Mortgage Release (Deed-in-Lieu of Foreclosure).
      Published May 13, 2026 266 If the servicer... Then the servicer must evaluate
      the borrower aﬀected by the disaster event... does not achieve QRPC with a borrower
      who is on a disaster-related forbearance plan prior to the expiration of the
      plan in accordance with the steps in the following table Step Servicer Action
      1 Evaluate the borrower for a disaster payment deferral in accordance with Determining
      Eligibility for a Disaster Payment Deferral in D2-3.2-05, Disaster Payment Deferral
      If the mortgage loan is... Then the servicer must... eligible solicit the borrower
      for a disaster payment deferral in accordance with Soliciting the Borrower for
      a Disaster Payment Deferral in D2-3.2-05, Disaster Payment Deferral. greater
      than 12 months proceed to step 2. 2 Evaluate the borrower for a Fannie Mae Flex
      Modiﬁcation in accordance with the reduced eligibility criteria within Evaluating
      or Soliciting a Borrower with a Disaster-Related Hardship for a Fannie Mae Flex
      Modiﬁcation in D2-3.2-06, Fannie Mae Flex Modiﬁcation If the mortgage loan is...
      Then the servicer must... eligible oﬀer a Fannie Mae Flex Modiﬁcation. two or
      more months delinquent at the time the disaster occurred proceed to step 3 3
      Evaluate the borrower for a Fannie Mae Flex Modiﬁcation in accordance with D2-3.2-06,
      Fannie Mae Flex Modiﬁcation. If the mortgage loan is... Then the servicer must...
      90 days or more delinquent and the borrower is otherwise eligible solicit the
      borrower a Fannie Mae Flex Modiﬁcation in accordance with Soliciting the Borrower
      for a Fannie Mae Flex Modiﬁcation in D2-3.2-06, Fannie Mae Flex Modiﬁcation
      not eligible continue attempts to achieve QRPC in accordance with D2-2-02, Outbound
      Contact Attempt Requirements Note: If the borrower doesn''t respond to the disaster
      payment deferral oﬀer as described in Soliciting the Borrower for a Disaster
      Payment Deferral in D2-3.2-05, Disaster Payment Deferral by the acceptance date
      provided in the disaster payment deferral agreement, then the servicer must
      evaluate the borrower in accordance with Evaluating or Soliciting a Borrower
      with a Disaster-Related Hardship for a Fannie Mae Flex Modiﬁcation in D2-3.2-06,
      Fannie Mae Flex Modiﬁcation Published May 13, 2026 267 If the servicer... Then
      the servicer must evaluate the borrower aﬀected by the disaster event... does
      not achieve QRPC with a borrower who was not on a disaster- related forbearance
      plan prior to the expiration of the plan for a Fannie Mae Flex Modiﬁcation in
      accordance with D2-3.2-06, Fannie Mae Flex Modiﬁcation and take action in accordance
      with the following table. If the mortgage loan is... Then the servicer must...
      90 or more days delinquent and the borrower is otherwise eligible solicit the
      borrower a Fannie Mae Flex Modiﬁcation in accordance with Soliciting the Borrower
      for a Fannie Mae Flex Modiﬁcation in D2-3.2-06, Fannie Mae Flex Modiﬁcation
      not eligible continue attempts to achieve QRPC in accordance with D2-2-02, Outbound
      Contact Attempt Requirements Foreclosure Proceedings for Disaster-Impacted Properties
      If the servicer determines a disaster event has impacted the borrower''s property,
      it must obtain prior written approval from Fannie Mae before referring the mortgage
      loan to foreclosure, initiating any judicial or non- judicial foreclosure process,
      moving for a foreclosure judgement or order of sale, or executing a foreclosure
      sale, if such delays are permitted under applicable law. If the servicer determines
      foreclosure should proceed, it must submit a detailed description of the mortgage
      loan status and the recommended course of action to Fannie Mae (see F-4-02,
      List of Contacts) in accordance with the following table. If the servicer...
      Then it must make the submission to Fannie Mae within ﬁve days after... has
      not referred the mortgage loan to foreclosure completing the prereferral review.
      has already referred the mortgage loan to foreclosure determining a disaster
      event has impacted the borrower''s property. The servicer''s submission must
      include the following information at a minimum: whether the recommendation is
      to initiate or continue foreclosure proceedings, including the foreclosure referral
      date if the request is for a continuation; the date the disaster even occurred;
      the status of any repairs to the property; insurance loss claim date, status,
      and the amount of proceeds that have been or are expected to be disbursed, as
      applicable; and a summary of any engagement with the borrower, including whether
      QRPC has been achieved and the borrower''s intention for the property. Published
      May 13, 2026 268 Recent Related Announcements The table below provides references
      to recently issued Announcements that are related to this topic. Announcements
      Issue Date Announcement SVC-2026-03 April 8, 2026 Announcement SVC-2023-02 April
      12, 2023 Announcement SVC-2022-01 February 9, 2022 Announcement SVC-2020-04
      September 9, 2020 Announcement SVC-2020-03 July 15, 2020 Announcement SVC-2019-02
      April 10, 2019 Chapter D1-4, Transfers of Ownership Introduction This chapter
      contains information on transfers of ownership. Section D1-4.1, Information
      Relating to Transfers of Ownership Applicable to All Mortgage Loans'
  judgment: false
