DISTRICT OF COLUMBIA NOTICE OF DEFAULT ON RESIDENTIAL MORTGAGE (FORM FM-1) - Foreclosure Mediation Program Notice

Sep 16, 2026

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District of Columbia Form FM-1 notice informs a borrower that mortgage payments are behind and provides a payment deadline and amount required to bring the loan current. It warns that failure to pay may lead to foreclosure and a home sale. The notice explains options to prevent foreclosure through District-provided face-to-face mediation with a neutral third-party mediator, outlining required forms, actions, and consequences for not returning the mediation election, loss mitigation application, and fee.

LanguageEnglish

CategoryLetters

FormatPDF

Pages5

Reading Time2 min

AccessFree to download

District of Columbia Notice of Default on Residential Mortgage (Form FM-1)

Payment deadline and default warning

Mediation option and how it works

Required actions and attached documents

Programs and contact information

| | GOVERNMENT OF THE DISTRICT OF COLUMBIA Department of Insurance, Securities and Banking Foreclosure Mediation Program | | | --- | --- | --- | | DISTRICT OF COLUMBIA NOTICE OF DEFAULT ON RESIDENTIAL MORTGAGE (FORM FM-1)
Dear [1]
According to our records, you are behind on your mortgage and owe the following amounts on the
property located at [2] :

Month
(each) Principle, interest, taxes, and insurance

Principal and interest
[3]
Interest only [3]
Late
fees Escrow (taxes and
insurance) Other:[4] Total 0 0 0 Principal
Balance Grand Total 0 0 0 0 0
Please pay $[5] by [6] to bring your loan current. Your mortgage loan is in default. If you do not pay this amount by this date, you could lose your home at a foreclosure sale.
If you are unable to make the above payment, you may:
Choose to participate in mediation through a program available from the District of Columbia government to see if you can qualify for a loan modification or other alternative to avoid foreclosure. Mediation is a face-to-face meeting between you and your lender, where you try to come to an agreement with the help of a neutral third-party mediator provided by the District of Columbia government. If you choose mediation, a foreclosure cannot be commenced until the mediation is concluded.
NOTICE: If you choose to mediate, you MUST take the following actions on or before [7]:
Complete and return the Mediation Election Form (Form FM-2), Loss Mitigation Application (Form FM-1LM), and a $50 fee payable to the “D.C. Treasurer” to the Mediation Administrator (Please keep a copy of all documents sent to the Mediation Administrator) . Mail a copy of the Mediation Election Form (Form FM-2) and the Loss Mitigation Application (Form FM-1LM) to your lender. You should
FM-1 (Rev. 02/15) | | | | | GOVERNMENT OF THE DISTRICT OF COLUMBIA Department of Insurance, Securities and Banking Foreclosure Mediation Program | | | --- | --- | --- | | use the pre-addressed envelopes included with the Notice of Default on Residential Mortgage to mail the documents to the Mediation Administrator and to your lender.
NOTE: If you do not return the forms and fee by [8], you will lose your right to mediation and may lose your home through foreclosure.
2. You may also apply for one of [9] ’s programs to assist borrowers who are behind in their mortgages. You will find information and applications for these programs enclosed.
You may choose both of these options at the same time. But, if you only choose to apply for one of the programs, you may not be able to choose mediation later on if we find that you do not qualify for
[9]’s program. If you want to talk to someone at
[10], about this, please call [11] at [12] or send a fax to [13] .
NOTE: If you do not elect to participate in mediation or bring your loan current,[14] (your lender) may initiate the foreclosure of your mortgage and sell your home at a foreclosure sale. | | | | Date: [19] | | | | Attached Documents Borrower Assistance and Resource Information Form (Form FM-1BA) Contact Information which Borrower may use to reach Lender or agent with authority to explain mediation process
Description of all available loss mitigation programs with eligibility requirement(s) and required documentation
Loss Mitigation Application (Form FM-1LM) Instructions for completing and mailing Loss Mitigation Application Mediation Election Form (Form FM-2) Envelope addressed to Lender Envelope addressed to Mediation Administrator
cc: Mediation Administrator (via email: [DISB.mediation@dc.gov](DISB.mediation@dc.gov) and first class mail)
FM-1 (Rev. 02/15) | | | | | GOVERNMENT OF THE DISTRICT OF COLUMBIA Department of Insurance, Securities and Banking Foreclosure Mediation Program | | | --- | --- | --- | | You are in danger of foreclosure.
Please read this Notice carefully to learn how you may be able to prevent foreclosure.
If you are unable to bring

FAQs

What does the Form FM-1 Notice require the borrower to do and by when?

The notice states the borrower must pay the listed amount by the specified date to bring the loan current, and it also sets action deadlines for electing mediation and returning required forms and a $50 fee.

How does mediation help prevent foreclosure under this notice?

Mediation is described as a face-to-face meeting between the borrower and the lender, assisted by a neutral third-party mediator provided by the District of Columbia government. If mediation is chosen, foreclosure cannot be commenced until mediation concludes.

What happens if the borrower does not return the mediation forms and fee?

The notice warns that if the forms and fee are not returned by the stated deadline, the borrower will lose the right to mediation and may lose the home through foreclosure.

Sep 16, 2026

Upload by Hazel