Servicing Guide

Published September 9, 2020

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Are there any restrictions on the transfer of ownership for mortgage loans that are not subject to a due-on-sale provision?

No, for all other mortgage loans that are not subject to a due-on-sale (or due-on-transfer) provision, there are no restrictions on the transfer of ownership. However, the servicer must determine that the purchaser’s credit and financial capacity is acceptable under current Fannie Mae underwriting guidelines if the previous borrower requests a release of liability. See F-1-29, Reviewing a Transfer of Ownership for Credit and Financial Capacity for the servicer’s requirements for evaluating a request for a release of liability.

For more information please see: D1-4.2-01, Conventional Mortgage Loans that Do Not Include a Due-on-Sale (or Due-on-Transfer) Provision

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If you have additional questions, Fannie Mae customers can visit Ask Poli to get information from other Fannie Mae published sources.

Guide Resources

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Visit Selling and Servicing Guide Communications and Forms

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