Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans

fnma-svc-d1-4-3-01

Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans.

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source:
  type: guide
  id: fnma-svc-d1-4.3-01
  authority: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans
  description: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans.
  coverage_tier: operative
  effective_date: '2017-11-08'
obligations:
  - id: fnma-svc-d1-4.3-01-full
    canonical_id: fnma-svc-d1-4.3-01-full
    section: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans
    description: ''
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - fnma
      - servicing-guide
      - corpus-expansion
      - tier-operative
    primary_source:
      tier: 1
      authority: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA 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: D1-4.3-01, Transfers of Ownership on FHA and VA Mortgage Loans (11/08/2017) Introduction This topic contains information on transfers of ownership on FHA and VA mortgage loans. Transfers of Ownership on FHA and VA Mortgage Loans Transfers of Ownership on FHA and VA Mortgage Loans The servicer must evaluate and process the transfer of ownership for an FHA or VA mortgage loan in compliance with applicable regulations and procedures. When a transfer of ownership occurs for an FHA or VA mortgage loan that is not subject to a due-on-sale provision, the servicer must notify the applicable property insurance companies, tax authorities, FHA or VA (as applicable), and any other interested parties. If the new borrower does not provide their own 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 follow the procedures 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.
      boilerplate_removed: true
      effective_date: '2017-11-08'
      effective_date_source: quote-heading

Verbatim regulatory text (1)

Verbatim provisions from Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans

Effective 2017-11-08 · publisher's stamp for this provision

D1-4.3-01, Transfers of Ownership on FHA and VA Mortgage Loans (11/08/2017) Introduction This topic contains information on transfers of ownership on FHA and VA mortgage loans. Transfers of Ownership on FHA and VA Mortgage Loans Transfers of Ownership on FHA and VA Mortgage Loans The servicer must evaluate and process the transfer of ownership for an FHA or VA mortgage loan in compliance with applicable regulations and procedures. When a transfer of ownership occurs for an FHA or VA mortgage loan that is not subject to a due-on-sale provision, the servicer must notify the applicable property insurance companies, tax authorities, FHA or VA (as applicable), and any other interested parties. If the new borrower does not provide their own 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 follow the procedures 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.

Source: Fannie Mae Servicing Guide D1-4.3-01 — Transfers of Ownership on FHA and VA Mortgage Loans · source URL · snapshot cf63a82bbb4adfba

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