source:
  type: guide
  id: fnma-svc-a4-2.1-06
  authority: Fannie Mae Servicing Guide A4-2.1-06 — Adverse Action Notification Certification
  description: Fannie Mae Servicing Guide A4-2.1-06 — Adverse Action Notification
    Certification.
  coverage_tier: operative
obligations:
- id: fnma-svc-a4-2.1-06-full
  canonical_id: fnma-svc-a4-2.1-06-full
  section: Fannie Mae Servicing Guide A4-2.1-06 — Adverse Action Notification Certification
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide A4-2.1-06 — Adverse Action Notification
      Certification
    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: A4-2.1-06, Adverse Action Notiﬁcation Certiﬁcation (06/10/2015)
      The servicer is authorized to provide a sample adverse action notice and certify
      using the Adverse Action Notiﬁcation Certiﬁcation (Form 183) that it has a process
      to send the text pre-approved by Fannie Mae for every adverse action notice
      that is sent in accordance with the requirements of Evaluating a Borrower for
      Imminent Default for Conventional Mortgage Loan Modiﬁcation Eligibility in D2-1-01,
      Determining if the Borrower’s Mortgage Payment is in Imminent Default. The servicer
      must send the sample adverse action notice and completed Form 183 to Fannie
      Mae (see F-4-02, List of Contacts). If the servicer chooses to certify using
      Form 183, the certiﬁcation will remain valid until the servicer changes its
      notice and then must provide Fannie Mae with a new sample adverse action notice
      and Form 183. Recent Related Announcements There are no recently issued Announcements
      related to this topic. A4-2.1-07, Servicer's Duties and Responsibilities Related
      to Mortgage Loans with an Outstanding Non-Interest-Bearing Balance (10/11/2023)
      The servicer must attempt to contact a borrower with a mortgage loan subject
      to an outstanding non-interest- bearing balance (e.g., such as that resulting
      from a payment deferral or a Fannie Mae Flex Modiﬁcation) prior to the maturity
      date or projected date of payoﬀ, in order to determine if the borrower can aﬀord
      to pay the total amount due or requires assistance. As early as 180 days but
      no later than 150 days prior to the maturity date or the projected date of payoﬀ
      of the interest-bearing UPB of a mortgage loan subject to an outstanding non-
      interest-bearing balance, the servicer must provide written notice to the borrower
      informing the borrower that the non-interest-bearing balance is coming due and
      provide both the due date and the outstanding balance. If the servicer has not
      established contact with the borrower and discussed the outstanding non-interest-bearing
      balance that is due, the servicer must send an additional written notice to
      the borrower as early as 75 days but no later than 60 days before the maturity
      date or the projected payoﬀ date of the interest-bearing UPB. Upon establishing
      contact with the borrower, the servicer must discuss with the borrower the outstanding
      non- interest-bearing balance that is coming due and determine based on communication
      with the borrower whether they are able to pay the non-interest-bearing balance
      on the maturity date or the projected payoﬀ date. If the servicer determines
      the borrower cannot aﬀord to pay the total amount due, then the servicer must
      discuss potential repayment options based on the borrower's circumstances and
      submit the case to Fannie Mae's SF Published May 13, 2026 149 CPM division (see
      F-4-02, List of Contacts) for review and approval. The servicer is authorized
      to send additional notices at its discretion leading up to the maturity date
      or the interest-bearing UPB payoﬀ date; however, notices cannot be sent any
      earlier than 180 days prior to the maturity date or the projected payoﬀ date.
      When sending the required written notiﬁcations to borrowers, the servicer must
      use the Borrower Notiﬁcation of Non-Interest-Bearing Balance, or its equivalent.
      While use of the Borrower Notiﬁcation of Non-Interest-Bearing Balance is optional,
      it reﬂects the minimum level of information that the servicer must communicate
      and illustrates a level of speciﬁcity that complies with the requirements of
      this Servicing Guide. Also, the servicer must ensure the notice complies with
      applicable law. Recent Related Announcements The table below provides references
      to recently issued Announcements that are related to this topic. Announcements
      Issue Date Announcement SVC-2023-05 October 11, 2023 Section A4-2.2, Requirements
      for Default-Related Law Firms
  judgment: false
