Servicing Guide

Published September 9, 2020

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What are Fannie Mae’s military indulgence reporting requirements?

Reporting Military Indulgence to Fannie Mae

The servicer must notify Fannie Mae when it places a mortgage loan under military indulgence in accordance with the Servicing Guide. The servicer must notify Fannie Mae by completing the actions shown in the following table.

If the mortgage loan is.... Then the servicer must…
a portfolio mortgage loan or a PFP mortgage loan
  • Complete the SCRA Reporting and Disbursement Request Form (Form 1022) when the servicer 

    • reduces the servicemember's interest rate;

    • puts other forms of military indulgence into effect that changes the servicemember's payment;

    • changes the servicemember's payment, if the interest subsidy amortization method is used; or

    • changes the interest rate back to its pre-military interest rate (or the applicable adjusted rate, for an ARM); and

  • Send an email with the completed Form 1022 to the Exceptions Transaction Management Unit at sailors_and_soldiers@fanniemae.com.

Note: The servicer must submit Form 1022 no later than the ninth business day of the month. Requests received after the ninth business day of the month will be processed the following month.

an MBS mortgage loan

Submit the notification via a file upload using the SCRA Management System (SCRAMS) file transmit link on the Fannie Mae investor reporting system.

Note: The servicer must complete the upload no later than the 15th calendar day of the month. Uploads received after the 15th calendar day of the month will be processed the following month.

If military indulgence (in addition to reduction of the interest rate to 6%) is granted in connection with a delinquency, the servicer must also report the granting of military indulgence in the first delinquency status information report it transmits to Fannie Mae after the date the additional military indulgence was granted.

Note: If the mortgage loan is an ARM, the servicer must report through Fannie Mae's investor reporting system a Transaction Code 83: Monthly Rate/Payment Change, as each scheduled interest rate adjustment is due. Also see the Investor Reporting Manual.

For more information see Section F-1-20: Processing Military Indulgence and D2-3.4-01: Military Indulgence

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