Selling Guide

Published June 5, 2018

E-1-04: List of Lender Contracts (12/06/2016)

The following list summarizes the major contracts lenders must have in order to do business with Fannie Mae. It is intended to assist lenders in knowing the Fannie Mae contractual requirements that exist, but is not inclusive of all contracts that may be required.

Lender Contracts

The following table summarizes the major contracts lenders must have in order to do business with Fannie Mae:

Contract Name Purpose How to Obtain it
Mortgage Selling and Servicing Contract (MSSC) (and Addenda) For all lenders that sell loans to Fannie Mae or service loans on Fannie Mae’s behalf.

The MSSC may include special approvals for lenders to deliver certain types of mortgage loans (for example, second mortgages, eMortgages, HomeStyle, and co-op share loans).

How to Become a Fannie Mae Seller/Servicer
Master Agreement For lenders that sell mortgage loans to Fannie Mae (1) for MBS, or (2) with variances to Fannie Mae’s guidelines, including special products. Lead Fannie Mae regional office (see E-1-03, List of Contacts)
Software Subscription Agreement (and applicable Schedules) Required for lenders to obtain access to any of Fannie Mae’s technology applications. Lenders must also sign one or more schedules to obtain access to specific applications. Technology Registration Forms
Single-Family Servicing Applications Order Form/Schedule Completed the first time the lender applies for a single-family servicing application and is incorporated into the lender’s Software Subscription Agreement. Technology Registration Forms
Single-Family Shipping and Delivery Applications Order Form/Schedule Completed the first time the lender applies for a single-family shipping and delivery application and is incorporated into the lender’s Software Subscription Agreement. Technology Registration Forms
Desktop Underwriter Order Form/Schedule Completed the first time the lender applies for access to Desktop Underwriter and is incorporated into the lender’s Software Subscription Agreement. Lead Fannie Mae regional office (see E-1-03, List of Contacts)
Technology Manager Administration Registration Form (Lender) Used to designate the lender’s Corporate Administrator and User Administrator. technology_registration@fanniemae.com or the Customer Contact Center at 1–877–722–6757

Early Funding Contracts

  • As Soon As Pooled Sale Agreement

  • As Soon As Pooled Plus Funding Agreements

Outlines contractual terms for delivering whole loans or pools to Fannie Mae using Early Funding products. Capital Markets Pricing and Sales Desk (see E-1-03, List of Contacts)