Free adverse action notice 46Free adverse action notice 46
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[Servicer Logo]
[Date]
[Borrower Name]
[Address 1]
[Address 2]

Loan #:
Property Address:

Dear ______________:

Thank you for your recent request for a modification of your mortgage loan. Your request for a
modification was carefully considered and Fannie Mae, the owner of your loan, was unable to approve
your request at this time for the following reason(s):
[No Eligible Financial
Hardship] [Excess Cash
Reserves]
[Other: ________________________________________________________________]
Fannie Mae does not service your loan. It is important that your monthly payments and all
correspondence and inquiries concerning your mortgage loan be sent directly to [Servicer Name] and not
to Fannie Mae.
The consumer reporting agency contacted that provided information that influenced the decision in whole
or in part was [name, address and toll-free telephone number of the reporting agency]. The reporting
agency played no part in the decision and is unable to supply specific reasons why your reques