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Modification Campaign Codes

Note:  The following functionality is also available in Servicing Management Default UnderwriterTM (SMDU) and SMDU UI.

When submitting a modification through HSSN, you must select the appropriate Campaign Code.

Note: Servicing Guide D1-4.1-02, Allowable Exemptions Due to the Type of Transfer, delegates authority to you under certain conditions for a concurrent modification and assumption for an exempt transfer of ownership. You must determine whether the case requires Fannie Mae approval prior to performing the modification and use the appropriate Campaign Code accordingly; see the above-mentioned Guide topic for additional information.

Note: There is no specific campaign ID for Flex Modification in accordance with the reduced eligibility criteria for COVID-19 impacted borrowers; servicers must select the most applicable Flex Modification campaign ID based on the campaign code description.                                                                                                            
                                                             
Servicers must select "Y" in the COVID indicator only where one of the following scenarios are applicable:  
*  Borrower hardship is related to COVID-19 and the mortgage loan was current or less than two months delinquent as of March 1, 2020 (effective date of the National Emergency declaration related to COVID-19);
*  Borrower has a prior COVID-19 payment deferral (PDX) and the mortgage loan became 60 days delinquent within six months of the PDX effective date and Quality Right Party Contact (QRPC) has not been achieved with the borrower; or
*   Borrower has a prior COVID-19 payment deferral (PDX) and the mortgage loan became 60 days delinquent within six months of the PDX effective    date and QRPC confirmed the hardship is still due to COVID.             

Ensure you select the appropriate Campaign Code for the case you are submitting by following these steps:

  1. Determine whether the case requires Fannie Mae approval prior to performing the modification.

    For cases that require approval, follow the instructions Requesting Approval for a Loan Modification, using the applicable Campaign Code from the list below.

Use Campaign Code…

When requesting approval for…

Flex Mod Non-Delegated (3 Month Trial)

a non-delegated Fannie Mae Flex Modification being submitted through HSSN or SMDU UI manually and the borrower is 31 or more days delinquent at time of evaluation, requiring a three-month Trial Period Plan.

Note: This campaign code applies to modifications with or without principal forbearance, and with or without a complete Borrower Response Package (BRP).

Flex Mod Non-Delegated with BRP (4 Month Trial)

a non-delegated Fannie Mae Flex Modification being submitted through HSSN or SMDU UI manually, when the evaluation was based upon a complete BRP and the borrower is current or less than 31 days delinquent at time of evaluation, requiring a four-month Trial Period Plan.

Note: This campaign code applies to modifications with or without principal forbearance.

SMDU Flex Mod Non-Delegated (3 Month Trial)

a non-delegated Fannie Mae Flex Modification being submitted through SMDU and the borrower is 31 or more days delinquent at time of evaluation, requiring a three-month Trial Period Plan.

Note: This campaign code applies to modifications with or without principal forbearance, and with or without a complete BRP.

SMDU Flex Mod Non-Delegated with BRP (4 Month Trial)

a non-delegated Fannie Mae Flex Modification being submitted through SMDU, when the evaluation was based upon a complete BRP and the borrower is current or less than 31 days delinquent at time of evaluation, requiring a four-month Trial Period Plan.

Note: This campaign code applies to modifications with or without principal forbearance.

SMDU Payment Deferral Non-Delegated

a non-delegated Fannie Mae payment deferral being submitted through SMDU and the borrower must be a least one-month delinquent and not more than two months delinquent (i.e., the borrower is not past due for more than two full monthly contractual payments) and such delinquency status must have remained unchanged for at least three consecutive months, including the month of the evaluation.

SMDU COVID-19 Payment Deferral Non-Delegated

a non-delegated Fannie Mae COVID-19 payment deferral being submitted through SMDU and the borrower must have been current or less than two months delinquent as of 03/01/2020 and be 1- 18  months delinquent at the time of the evaluation.

SMDU Disaster Payment Deferral Non-Delegated

a non-delegated Fannie Mae disaster payment deferral being submitted through SMDU and the borrower has a financial hardship as the result of a disaster event that impacts his or her ability to pay the current contractual monthly payments, and either

  • the property securing the mortgage loan experienced an insured loss,
  • the property securing the mortgage loan in located in a FEMA-Declared Disaster Area eligible for Individual Assistance, or
  • the borrower's place of employment is located in a FEMA-Declared Disaster Area eligible for Individual Assistance. 

The mortgage loan must have been current or less than two months delinquent when the disaster occurred, and is 1 - 12 months delinquent at the time of the evaluation.

Payment Deferral Non-Delegated

a non-delegated Fannie Mae payment deferral being submitted through SMDU or HSSN when the servicer did not use SMDU to decision.  The borrower must be at least one month delinquent and not more than two months delinquent (i.e., the borrower is not past due for more than two full monthly contractual payments) and such delinquency status must have remained unchanged for at least three consecutive months, including the month of the evaluation.

COVID-19 Payment Deferral Non-Delegated

a non-delegated Fannie Mae COVID-19 payment deferral being submitted through SMDU or HSSN when the servicer did not use SMDU to decision.  The borrower must have been current or less than two months delinquent as of 03/01/2020 and be 1-18 months delinquent at the time of the evaluation.

Disaster Payment Deferral Non-Delegated

Fannie Mae disaster payment deferral which had a decision by SMDU and the borrower has a financial hardship as the result of a disaster event that impacts his or her ability to pay the current contractual monthly payment, and either

  • the property securing the mortgage loan experienced an insured loss,
  • the property securing the mortgage loan in located in a FEMA-Declared Disaster Area eligible for Individual Assistance, or
  • the borrower's place of employment is located in a FEMA-Declared Disaster Area eligible for Individual Assistance. 

The mortgage loan must have been current or less than two months delinquent when the disaster occurred, and is 1 - 12 months delinquent at the time of the evaluation.and is 1-12 months delinquent at the time of the evaluation.

Flex Mod Disaster Non-Delegated

a Flex Modification for borrowers impacted by a disaster where the disaster event resulted in a financial hardship (e.g., a loss/reduction of income or increase in expenses) that impacts the borrower's ability to pay his or her current contractual monthly payment, and either

  • the property securing the mortgage loan experienced an insured loss,
  • the property securing the mortgage loan is located in a FEMA-Declared Disaster Area eligible for Individual Assistance, or
  • the borrower's place of employment is located in a FEMA-Declared Disaster Area eligible for Individual Assistance.

The mortgage loan must have been current or less that two months delinquent when the disaster occurred, and be at least three months delinquent.

FNM Cap Extend DISASTER Non-Delegated

a Cap and Extend Modification on a delinquent mortgage loan secured by a property located in a FEMA declared disaster area eligible for individual assistance, or when the borrower's place of employment is located in such an area.

2nd Lien Mod – 3 Month Trial Non-Delegated

a second lien modification for mortgage loans that are already in default (31 or more days delinquent) at the time of evaluation, requiring a three-month Trial Period Plan.

2nd Lien Mod – 4 Month Trial Non-Delegated

a second lien modification for mortgage loans that are current or less than 31 days delinquent at the time of evaluation, requiring a four-month Trial Period Plan.

NACA Non-Delegated 3 Month Trial

a modification submitted as non-delegated under NACA for mortgage loans that are already in default (31 or more days delinquent) at the time of evaluation, requiring a three-month Trial Period Plan.

NACA Non-Delegated 4 Month Trial

a modification submitted as non-delegated under NACA for mortgage loans that are current or less than 31 days delinquent at the time of evaluation, requiring a four-month Trial Period Plan.

Balloon Loans (Non-Delegated)

a modification for balloon loans current at maturity needing term extension.     

Bankruptcy (with Trial Payments)

a modification for mortgage loans in active bankruptcy with a three-month Trial Period Plan.

Bankruptcy (no Trial Payments)

requesting modification for mortgage loans in active bankruptcy with no Trial Period Plan payments.

Litigation (with Trial Payments)

requesting modification for mortgage loans in litigation with a three-month Trial Period Plan.

Litigation (no Trial Payments)

requesting modification for mortgage loans in litigation with no Trial Period Plan payments.

Special (with Trial payments)

requesting modification outside of current Fannie Mae guidelines (escalated cases) with a three-month Trial Period Plan.

Special (no Trial)

requesting modification outside of current Fannie Mae guidelines (escalated cases) with no Trial Period Plan.
  1. If you determine that the case does not require Fannie Mae approval prior to performing the modification, refer to Creating and Submitting a Closed Loan Modification Case using the applicable Campaign Code from the list below.

Use Campaign Code…

When implementing a/an…

SMDU Flex Mod with BRP (4 Month Trial)

Fannie Mae Flex Modification which had a decision by SMDU, when the evaluation was based upon a complete BRP and the borrower is current or less than 31 days delinquent at time of evaluation, requiring a four-month Trial Period Plan.

Note: This campaign code applies to modifications with or without principal forbearance.

SMDU Flex Mod (3 Month Trial)

Fannie Mae Flex Modification which had a decision by SMDU and the borrower is 31 or more days delinquent at time of evaluation, requiring a three-month Trial Period Plan.  

Note: This campaign code applies to modifications with or without principal forbearance, and with or without a complete BRP.

SMDU Payment Deferral

Fannie Mae payment deferral which had a decision by SMDU and the borrower must be at least one month delinquent and not more than two months delinquent (i.e., the borrower is not past due for more than two full monthly contractual payments) and such delinquency status must have remained unchanged for at least three consecutive months, including the month of the evaluation.

SMDU COVID-19 Payment Deferral

Fannie Mae COVID-19 payment deferral which had a decision by SMDU and the borrower must have been current or less than two months delinquent as of 03/01/2020 and be 1-18 months delinquent at the time of the evaluation.

SMDU Disaster Payment Deferral

Fannie Mae disaster payment deferral which had a decision by SMDU and the borrower has a financial hardship as the result of a disaster event that impacts his or her ability to pay the current contractual monthly payment, and either

  • the property securing the mortgage loan experienced an insured loss,
  • the property securing the mortgage loan is located in a FEMA-Declared Disaster Area eligible for Individual Assistance, or
  • the borrower's place pf employment is located in a FEMA-Declared Disaster Area eligible for Individual Assistance. 

The mortgage loan must have been current or less than two months delinquent when the disaster occurred, and is 1-12 months delinquent at the time of the evaluation.

Payment Deferral

Fannie Mae Payment Deferral where the servicer did not use SMDU to decision and needs to report the workout to Fannie Mae.  Servicer may also use HSSN to submit the case.

COVID-19 Payment Deferral

Fannie Mae COVID-19 payment deferral where the servicer did not use SMDU to decision and needs to report the workout to Fannie Mae.  Servicer may also use HSSN to submit the case. The borrower must have been current or less than two months delinquent as of 03/01/2020 and be 1-18 months delinquent at the time of the evaluation.

Disaster Payment Deferral

a Fannie Mae disaster payment deferral where the servicer did not use SMDU to decision and the borrower has a financial hardship as the result of a disaster event that impacts his or her ability to pay the current contractual monthly payments, and either

  • the property securing the mortgage loan experienced an insured loss,
  • the property securing the mortgage loan is located in a FEMA-Declared Disaster Area eligible for Individual Assistance, or
  • the borrower's place of employment is located in a FEMA-Declared Disaster Area eligible for Individual Assistance.

The mortgage loan must have been current or less than two months delinquent when the disaster occurred, and is 1-12 months delinquent at the time of the evaluation.  The servicer may also use HSSN to submit the case.

Flex Mod MTMLTV >= 80% (3 Month Trial)

Fannie Mae Flex Modification which did not have a decision by SMDU and where the post modification MTMLTV is greater than or equal to 80%, the evaluation was not based upon a complete Borrower Response Package (BRP) and the borrower is 31 or more days delinquent at time of evaluation, requiring a three-month Trial Period Plan.

Flex Mod with BRP MTMLTV >= 80% (3 Month Trial)

Fannie Mae Flex Modification which had a decision by SMDU and where the post modification MTMLTV is greater than or equal to 80%, when the evaluation was based upon a complete BRP and the borrower is 31 or more days delinquent at time of evaluation, requiring a three-month Trial Period Plan.

Flex Mod with BRP MTMLTV >= 80% (4 Month Trial)

Fannie Mae Flex Modification which did not have a decision by SMDU and where the post modification MTMLTV is greater than or equal to 80%, when the evaluation was based upon a complete BRP and the borrower is current or less than 31 days delinquent at time of evaluation, requiring a four-month Trial Period Plan.

Flex Mod MTMLTV < 80% (3 Month Trial)

Fannie Mae Flex Modification which did not have a decision by SMDU and where the post modification MTMLTV is less than 80% and the borrower is 31 or more days delinquent at time of evaluation, requiring a three-month Trial Period Plan.

Note: This campaign code applies to modifications with or without a complete BRP.

Flex Mod with BRP MTMLTV < 80% (4 Month Trial)

Fannie Mae Flex Modification which did not have a decision by SMDU and where the post modification MTMLTV is less than 80%, when the evaluation was based upon a complete BRP and the borrower is current or less than 31 days delinquent at time of evaluation, requiring a four-month Trial Period Plan.

FHA/VA Modification

FHA, VA, HUD, or Rural Housing mortgage loan modification.

Flex Mod Disaster Delegated

Flex Modification for borrowers impacted by a disaster where the disaster event resulted in a financial hardship (e.g., a loss/reduction of income or increase in expenses) that impacts the borrower's ability to pay his or her current contractual monthly payment, and either

  • the property securing the mortgage loan experienced an insured loss,
  • the property securing the mortgage loan is located in a FEMA-Declared Disaster Area eligible for Individual Assistance, or
  • the borrower's place of employment is located in a FEMA-Declared Disaster Area eligible for Individual Assistance. 

The mortgage loan must have been current or less than two months delinquent when the disaster occurred, and be at least three months delinquent.

FNM Cap Extend DISASTER – Delegated

Fannie Mae Cap and Extend Modification for Disaster Relief for mortgage loans secured by a property located in a FEMA declared disaster area eligible for individual assistance, or when the borrower's place of employment is located in such an area.


IMPORTANT: If the borrower starts a modification Trial Period Plan and is determined to be eligible for a different modification program, take the following steps:

If you need further assistance with determining the appropriate campaign code, contact your assigned Servicing Consultant or Portfolio Manager.

  1.   Cancel the modification case.

  2.   Re-enter a new case using the appropriate campaign code.

  3.   Report the appropriate Trial Period Plan information.