- Servicing Guide /
- Part F: Servicing Guide Procedures, Exhibits, and Quick Reference Materials /
- Chapter F-1: Servicing Guide Procedures /
- F-1-08, Managing Foreclosure Proceedings
F-1-08, Managing Foreclosure Proceedings (05/10/2023)
- Reporting Environmental Hazards to Fannie Mae
- Requesting Fannie Mae Approval for Property Preservation and Maintenance
- Foreclosure Sale Marketing and Foreclosure Auction Services
- Reporting Third-Party Sales to Fannie Mae
Reporting Environmental Hazards to Fannie Mae
The servicer must not begin foreclosure proceedings for any mortgage loan if it becomes aware of environmental hazards (hazardous waste materials, excessive tires, oil spills, etc.) affecting the security property, in accordance with E-1.2-02, Timing of the Foreclosure Referral for Mortgage Loans GenerallyE-1.2-02, Timing of the Foreclosure Referral for Mortgage Loans Generally. Instead, the servicer must report the information to its Fannie Mae Servicing Representative (see F-4-02, List of ContactsF-4-02, List of Contacts). Also see the Property Preservation Matrix and Reference Guide for additional information.
Regardless of whether Fannie Mae is named as a party in any environmental litigation, it must be considered non-routine and the servicer must immediately notify Fannie Mae’s Legal department by submitting a Non-Routine Litigation Form (Form 20). Also see E-1.3-02, Reporting Non-Routine Litigation to Fannie MaeE-1.3-02, Reporting Non-Routine Litigation to Fannie Mae for additional information.
When the servicer learns about the issuance of a lead-based paint citation, obtains other evidence of lead-based paint law violations, or becomes aware of threatened environmental litigation relating to a mortgage loan that it intends to refer to foreclosure, it must report the information in the following table to its Fannie Mae Servicing Representative (see F-4-02, List of ContactsF-4-02, List of Contacts) within 30 days after the mortgage loan is referred for foreclosure if the security property is a one-unit investment property or a two- to four-unit property.
✓ | The notification to Fannie Mae must include... |
---|---|
The current value of the property based on, at a minimum, an exterior inspection of the property and, if the borrower is cooperative, an interior inspection. |
|
The amount of Fannie Mae’s outstanding debt. |
|
The number of children under eight years of age residing in the property, giving the exact age of each such child (if any) and, in the event the property is a two- to four-unit property, the unit(s) with children residing in them. |
|
A copy of any documentation it has obtained related to lead-based paint law violations (including actual lead-based paint citation) or threatened or pending lead-based paint litigation. |
Note: When the property is located in Massachusetts, the servicer must conduct an actual search to determine whether there are any outstanding lead-based paint citations against the property or property owner just before it decides to refer a mortgage loan to foreclosure. For the most part, Fannie Mae expects that a lead-based paint citation search will involve simply making a phone call to the appropriate oversight authority (such as the local housing court, department of health, etc.). However, if a citation search becomes more complex, Fannie Mae will reimburse the servicer for the actual costs of each required citation search it conducts. To determine whether reimbursement for a specific search is warranted, the servicer must contact its Fannie Mae Servicing Representative (see F-4-02, List of ContactsF-4-02, List of Contacts).
If, during the search, the servicer discovers that a lead-based paint citation has been issued, it must contact its Fannie Mae Servicing Representative (see F-4-02, List of ContactsF-4-02, List of Contacts) immediately so Fannie Mae can evaluate the details of the specific case and advise the servicer of the actions it must take (including postponement of the foreclosure sale, if necessary). If Fannie Mae advises the servicer to proceed with the foreclosure action, the servicer must conduct another search immediately before the foreclosure sale is held to ensure no additional citations were issued against the property subsequent to its earlier search.
Requesting Fannie Mae Approval for Property Preservation and Maintenance
When the cost of the contemplated preservation work exceeds Fannie Mae’s allowable amount, the servicer must submit the request via HomeTracker for Fannie Mae approval, in accordance with E-3.2-12, Performing Property Preservation During Foreclosure ProceedingsE-3.2-12, Performing Property Preservation During Foreclosure Proceedings. Also see the Property Preservation Matrix and Reference Guide for additional information. The following table provides instructions when the servicer has not acquired access to HomeTracker.
✓ | The servicer must... |
---|---|
Complete a Property Preservation Request for Repair (Form 1095). |
|
Attach all photographic evidence along with pertinent supporting documentation to assist Fannie Mae in making a sound decision concerning the proposed maintenance. |
|
Submit the completed form and all attachments to [email protected]. |
Once the request for repair is received, Fannie Mae will determine if other bids and/or information are necessary. Fannie Mae will send an email to the servicer at the email address provided on the request for repair to indicate either
-
additional bids and/or information are necessary, or
-
the amount for the preservation work is approved.
Foreclosure Sale Marketing and Foreclosure Auction Services
When marketing the foreclosure sale for a property securing a conventional first lien mortgage loan in select jurisdictions in accordance with E-3.3-04, Marketing the Foreclosure Sale and Using Foreclosure Auction ServicesE-3.3-04, Marketing the Foreclosure Sale and Using Foreclosure Auction Services, the servicer must use a vendor identified in the Foreclosure Sale Marketing and Auction Services Exhibit.
The use of a Fannie Mae vendor for foreclosure auction services is optional, and the servicer must allow the law firm the discretion to choose whether to use a vendor for these services.
The Foreclosure Sale Marketing and Auction Services Exhibit sets forth complete requirements for foreclosure sale marketing and foreclosure auction services, including descriptions of each service and applicable jurisdictions.
Fannie Mae will directly pay the vendors it has engaged for any foreclosure sale marketing and foreclosure auction services assigned to them. If the servicer chooses to use a vendor for foreclosure sale-related services in a jurisdiction where Fannie Mae has not engaged the vendor, the servicer is responsible for paying the vendor.
Reporting Third-Party Sales to Fannie Mae
The servicer must report all third-party sales to Fannie Mae in accordance with E-3.5-02, Handling Third-Party SalesE-3.5-02, Handling Third-Party Sales. The servicer must follow the instructions shown in the following table.
✓ | The servicer must... |
---|---|
Remove the mortgage loan from Fannie Mae’s active accounting records or the MBS pool in the reporting period for the month in which the foreclosure sale occurred, by reporting an Action Code 71 to Fannie Mae’s investor reporting system. Also see the Investor Reporting Manual. |
|
Report the proceeds from the sale as a “special remittance.” Also see Reporting a Special Remittance in F-1-20, Remitting and Accounting to Fannie MaeF-1-20, Remitting and Accounting to Fannie Mae. |
|
Forward a copy of the closing statement to Fannie Mae’s SF CPM division (see F-4-02, List of ContactsF-4-02, List of Contacts) on the same day it remits the funds to Fannie Mae. The closing statement must include a breakdown of:
|
The table below provides references to recently issued Announcements that are related to this topic.
Announcements | Issue Date |
Announcement SVC-2023-03 | May 10, 2023 |
Have questions?
Get answers to your policy and guide questions, straight from the source.
Get StartedWork with Fannie Mae
Products & Solutions
Support & Resources
Servicing
Servicing Questions? Ask Poli
Get answers to your Guide & policy questions with Fannie Mae's AI-powered search tool.
Browse the Guide
-
Part A Doing Business with Fannie Mae
-
Subpart A1, Contractual Obligations
- Chapter A1-1, Understanding the Lender Contract
- Chapter A1-2, Termination of the Lender Contract without Cause
-
Chapter A1-3, Repurchases, Indemnifications, and Make Whole Payment Requests
- A1-3-01, Requirements for Voluntary Repurchase (10/11/2023)
- A1-3-02, Fannie Mae-Initiated Repurchases, Indemnifications, Make Whole Payment Requests and Deferred Payment Obligations (10/11/2023)
- A1-3-03, Repurchase Obligations Related to Bifurcated Mortgage Loans (02/15/2017)
- A1-3-04, Reporting the Repurchase (10/11/2023)
- A1-3-05, Redelivering a Mortgage Loan (11/12/2014)
- A1-3-06, Automatic Reclassification of MBS Mortgage Loans (10/13/2021)
- Chapter A1-4, Breach of Contract and Nonperformance
-
Subpart A2, Getting Started with Fannie Mae
-
Chapter A2-1, Servicer Duties and Responsibilities
- A2-1-01, General Servicer Duties and Responsibilities (04/12/2023)
- A2-1-02, Servicer’s Duties and Responsibilities Related to MBS Mortgage Loans (12/09/2020)
- A2-1-03, Servicer's Duties and Responsibilities Related to Mortgage Loans with Resale Restrictions or Shared Equity Transactions (05/10/2023)
- A2-1-04, Execution of Legal Documents (09/09/2020)
- A2-1-05, Note Holder Status for Legal Proceedings Conducted in the Servicer’s Name (06/21/2017)
- A2-1-06, Use of Fannie Mae Trademarks (08/16/2017)
- A2-1-07, Subservicing (12/08/2021)
- A2-1-08, First Lien Mortgage Loan Requirements (11/12/2014)
- A2-1-09, Compliance with Requirements and Laws (04/12/2023)
- Chapter A2-2, Refinance and Lending Practices
-
Chapter A2-3, Servicer Compensation
- A2-3-01, Servicer Compensation (12/14/2016)
- A2-3-02, Servicing Fees for Portfolio and MBS Mortgage Loans (07/13/2022)
- A2-3-03, Yield Differential Adjustments (08/16/2017)
- A2-3-04, Late Charges as Compensation (12/11/2019)
- A2-3-05, Fees for Certain Servicing Activities (11/08/2017)
- A2-3-06, Prepayment Premiums (11/12/2014)
- Chapter A2-4, Fannie Mae’s Quality Control Review
- Chapter A2-5, Individual Mortgage Loan Files and Records
- Chapter A2-6, Custodial Documents
- Chapter A2-7, Servicing Transfers
- Chapter A2-8, Mortgage Electronic Registration System
- Chapter A2-9, Mortgage Assignments to Fannie Mae
-
Chapter A2-1, Servicer Duties and Responsibilities
- Subpart A3, Maintaining Fannie Mae Seller/Servicer Status
-
Subpart A4, Setting Up Servicer Operations
- Chapter A4-1, Establishing and Implementing Internal Operations for All Mortgage Loans and Acquired Properties
-
Chapter A4-2, Requirements for Delinquent Mortgage Loans and Mortgage Loans at Risk of Default
-
Section A4-2.1, Establishing Default Management Strategies
- A4-2.1-01, Preventing Defaults and Managing Delinquencies (09/09/2020)
- A4-2.1-02, Property Inspection Vendor Management and Oversight (11/12/2014)
- A4-2.1-03, Managing Short Sales (06/21/2017)
- A4-2.1-04, Establishing Contact with the Borrower (12/16/2015)
- A4-2.1-05, Requirements for Collection and Foreclosure Prevention Strategies Unique to Second Lien Mortgage Loans (11/12/2014)
- A4-2.1-06, Adverse Action Notification Certification (06/10/2015)
- A4-2.1-07, Servicer's Duties and Responsibilities Related to Mortgage Loans with an Outstanding Non-Interest-Bearing Balance (10/11/2023)
-
Section A4-2.2, Requirements for Default-Related Law Firms
- A4-2.2-01, Selecting and Retaining Law Firms (02/09/2022)
- A4-2.2-02, Law Firm Management and Oversight (11/12/2014)
- A4-2.2-03, Prohibition Against Servicer-Specified Vendors for Fannie Mae Referrals, Use of Vendors, and Outsourcing Companies (04/12/2017)
- A4-2.2-04, Law Firm Suspensions, Matter Transfers, and Terminations (08/15/2018)
-
Section A4-2.1, Establishing Default Management Strategies
-
Subpart A1, Contractual Obligations
-
Part B Escrow, Taxes, Assessments, and Insurance
- Chapter B-1, Escrow Account Administration
-
Chapter B-2, Property Insurance Requirements
- B-2-01, Property Insurance Requirements Applicable to All Property Types (02/14/2024)
- B-2-02, Property Insurance Requirements for One- to Four-Unit Properties (12/21/2022)
- B-2-03, Master Property Insurance Requirements for Project Developments (02/14/2024)
- B-2-04, Individual Property Insurance Requirements for Units in Project Developments (12/21/2022)
- Chapter B-3, Flood Insurance Requirements
- Chapter B-4, Additional Insurance Requirements
- Chapter B-5, Property and Flood Insurance Loss Events and Claim Settlements
- Chapter B-6, Lender-Placed Insurance
- Chapter B-7, Liability and Fidelity/Crime Insurance Requirements for Project Developments
- Chapter B-8, Mortgage Insurance
-
Part C Mortgage Loan Payment Processing, Remitting, Accounting, and Reporting
-
Chapter C-1, Processing Mortgage Loan Payments
-
Section C-1.1, Processing Scheduled Mortgage Loan Payments
- C-1.1-01, Servicer Responsibilities for Processing Mortgage Loan Payments (04/12/2023)
- C-1.1-02, Processing Payment Shortages or Funds Received When a Mortgage Loan Modification Is Pending (12/11/2019)
- C-1.1-03, Automatically Drafting Payments from the Borrower’s Bank Account (11/12/2014)
- C-1.1-04, Accepting Biweekly Payments from Third-Party Payment Contractors (11/12/2014)
- Section C-1.2, Processing Unscheduled Mortgage Loan Payments
-
Section C-1.1, Processing Scheduled Mortgage Loan Payments
- Chapter C-2, Servicing ARM Loans
- Chapter C-3, Remitting and Accounting
- Chapter C-4, Reporting
-
Chapter C-1, Processing Mortgage Loan Payments
-
Part D Providing Solutions to a Borrower
-
Subpart D1, Assisting the Borrower with Property-Related Issues and Legal Actions
- Chapter D1-1, Requests for the Release of Property and/or Charge-Off of a Mortgage Loan
- Chapter D1-2, Servicing Renovation Mortgage Loans
- Chapter D1-3, Providing Assistance to a Borrower Impacted by a Disaster Event
-
Chapter D1-4, Transfers of Ownership
-
Section D1-4.1, Information Relating to Transfers of Ownership Applicable to All Mortgage Loans
- D1-4.1-01, Determining Whether a Transfer of Ownership Is Permitted (11/12/2014)
- D1-4.1-02, Allowable Exemptions Due to the Type of Transfer (12/20/2023)
- D1-4.1-03, Allowable Exceptions Due to State Law Restrictions (“Window-Period” Mortgage Loans) (11/08/2017)
- D1-4.1-04, Transfers of Ownership by Grant Deed (11/12/2014)
- D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer) Provision (11/08/2017)
- Section D1-4.2, Information Relating to Transfers of Ownership on Conventional Mortgage Loans
- Section D1-4.3, Information Relating to Transfers of Ownership on Government Mortgage Loans
-
Section D1-4.1, Information Relating to Transfers of Ownership Applicable to All Mortgage Loans
- Chapter D1-5, Call Provision Enforcement
- Chapter D1-6, Addressing Notices of Liens, Legal Action, Property Forfeitures or Seizures, or Other Actions
-
Subpart D2, Assisting a Borrower Who is Facing Default or in Default
- Chapter D2-1, Working with a Borrower Who is Facing Default
-
Chapter D2-2, Requirements for Contacting a Borrower
- D2-2-01, Achieving Quality Right Party Contact with a Borrower (11/14/2018)
- D2-2-02, Outbound Contact Attempt Requirements (11/14/2018)
- D2-2-03, Sending a Payment Reminder Notice (04/12/2023)
- D2-2-04, Sending a Borrower a Solicitation Package for a Workout Option (09/13/2017)
- D2-2-05, Receiving a Borrower Response Package (06/09/2021)
- D2-2-06, Sending a Breach or Acceleration Letter (11/14/2018)
- D2-2-07, Resolving an Appeal of a Mortgage Loan Modification Trial Period Plan Denial for a Principal Residence (05/10/2017)
- D2-2-08, Interviewing Face-to-Face with a Borrower for Certain FHA and HUD Mortgage Loans (11/12/2014)
- D2-2-09, Additional Borrower Contact Requirements for the Servicer of a Second Lien Mortgage Loan (12/16/2015)
- D2-2-10, Requirements for Performing Property Inspections (05/10/2023)
-
Chapter D2-3, Fannie Mae’s Home Retention and Liquidation Workout Options
-
Section D2-3.1, Preparing to Implement a Home Retention or Liquidation Workout Option
- D2-3.1-01, Determining the Appropriate Workout Option (11/12/2014)
- D2-3.1-02, Conditions of a First and Second Lien Mortgage Loan Modification for an MBS Mortgage Loan (01/20/2021)
- D2-3.1-03, Working with a Borrower that has a Group Home Mortgage Loan (11/12/2014)
- D2-3.1-04, Offering a Workout Option When Also Servicing a Subordinate Lien Mortgage Loan (09/09/2020)
- D2-3.1-05, Interacting with Mortgage Assistance Fund Program Providers (10/12/2022)
- D2-3.1-06, Notifying Fannie Mae of Lead-Based Paint Citations (11/12/2014)
- Section D2-3.2, Home Retention Workout Options
- Section D2-3.3, Home Liquidation Workout Options
-
Section D2-3.4, Other Workout Options to Assist a Borrower
- D2-3.4-01, Military Indulgence (06/13/2018)
- D2-3.4-02, Offering a Mortgage Release (Deed-in-Lieu of Foreclosure) for a Second Lien Mortgage Loan (11/12/2014)
- D2-3.4-03, Assignment of a Mortgage Loan to the Insurer or Guarantor (11/12/2014)
- D2-3.4-04, Qualifying Mortgage Assumption Workout Option (11/08/2017)
-
Section D2-3.1, Preparing to Implement a Home Retention or Liquidation Workout Option
- Chapter D2-4, Reporting Delinquent Mortgage Loans and Workout Options
-
Subpart D1, Assisting the Borrower with Property-Related Issues and Legal Actions
-
Part E Default-Related Legal Services, Bankruptcy, Foreclosure Proceedings, and Acquired Properties
-
Chapter E-1, Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms
- Section E-1.1, Referring a Mortgage Loan to a Law Firm
-
Section E-1.2, Timing of the Referral to a Law Firm
- E-1.2-01, Timing of the Bankruptcy Referral (11/12/2014)
- E-1.2-02, Timing of the Foreclosure Referral for Mortgage Loans Generally (05/10/2023)
- E-1.2-03, Timing of the Foreclosure Referral for Second Lien Conventional Mortgage Loans Not Secured by a Principal Residence (11/12/2014)
- E-1.2-04, Timing of the Foreclosure Referral for Government Mortgage Loans (11/12/2014)
- Section E-1.3, Handling Non-Routine Litigation
-
Chapter E-2, Managing Bankruptcy Proceedings
-
Section E-2.1, Bankruptcy Proceedings in General
- E-2.1-01, General Servicing Requirements for Mortgage Loans Under Bankruptcy Protection (06/10/2020)
- E-2.1-02, Confirming Bankruptcy Information (11/12/2014)
- E-2.1-03, Suspending Debt Collection Efforts (11/12/2014)
- E-2.1-04, Expected Servicer/Attorney Interaction During Bankruptcy Proceedings (11/12/2014)
- E-2.1-05, Filing a Notice of Appearance and Sending Proper Notices (11/12/2014)
- E-2.1-06, Reviewing Bankruptcy Reorganization Plans (11/12/2014)
- E-2.1-07, Preparing and Filing a Proof of Claim (11/12/2014)
- E-2.1-08, Monitoring Borrower Payments and Critical Dates (11/12/2014)
- E-2.1-09, Identifying Workout Opportunities (11/12/2014)
- E-2.1-10, Dealing with Delays in the Bankruptcy Process (11/12/2014)
- E-2.1-11, Remitting P&I for MBS Mortgage Loans That Are Part of a Bankruptcy (07/13/2022)
- Section E-2.2, Managing Bankruptcies by Chapter
-
Section E-2.3, Servicing Special Circumstance Bankruptcies
- E-2.3-01, Identifying Abusive Filers (11/12/2014)
- E-2.3-02, Addressing Individuals with Fractional Interests in a Security Property (11/12/2014)
- E-2.3-03, Handling Cramdowns of the Mortgage Debt (05/10/2023)
- E-2.3-04, Bankruptcies Involving Mortgage Loans Secured by Investment Properties (11/12/2014)
- E-2.3-05, Bankruptcies Involving Multiple Fannie Mae Mortgage Loans (11/12/2014)
- E-2.3-06, Responding to Bankruptcies Identified After Foreclosure Sale (07/14/2021)
- E-2.3-07, Cross-Border Insolvency Proceedings (11/12/2014)
-
Section E-2.1, Bankruptcy Proceedings in General
-
Chapter E-3, Managing Foreclosure Proceedings
-
Section E-3.1, Foreclosure Proceedings in General
- E-3.1-01, General Servicing Requirements Related to Foreclosure Proceedings (11/12/2014)
- E-3.1-02, Performing Due Diligence Prior to Considering Foreclosure (11/12/2014)
- E-3.1-03, Fannie Mae Address for Instruments of Record (11/12/2014)
- E-3.1-04, Addressing a Bankruptcy Filed During Active Foreclosure (11/12/2014)
-
Section E-3.2, Initiating and Processing Foreclosure Proceedings
- E-3.2-01, Conducting Prereferral Review (07/14/2021)
- E-3.2-02, Initiating Foreclosure Proceedings on a First Lien Conventional Mortgage Loan (11/12/2014)
- E-3.2-03, Initiating Foreclosure Proceedings on a Second Lien Conventional Mortgage Loan (11/12/2014)
- E-3.2-04, Postponing Foreclosure Referral for Mortgage Loans Not Secured by a Principal Residence (08/17/2016)
- E-3.2-05, Expected Servicer/Attorney Interaction During Foreclosure Proceedings (04/10/2019)
- E-3.2-06, Conducting Borrower Outreach During Foreclosure (12/16/2015)
- E-3.2-07, Impact of Engagement with a Mortgage Assistance Fund Program Provider (07/13/2022)
- E-3.2-08, Processing Reinstatements During Foreclosure (07/14/2021)
- E-3.2-09, Conducting Foreclosure Proceedings (10/13/2021)
- E-3.2-10, Paying Certain Expenses During the Foreclosure Process (11/12/2014)
- E-3.2-11, Collecting Under an Assignment of Rents (08/12/2015)
- E-3.2-12, Performing Property Preservation During Foreclosure Proceedings (07/14/2021)
- E-3.2-13, Addressing Title Defects Generally (12/16/2015)
- E-3.2-14, Addressing Title Defects for Bifurcated Mortgage Loans (08/17/2016)
- E-3.2-15, Allowable Time Frames for Completing Foreclosure (11/12/2014)
-
Section E-3.3, Preparing for the Foreclosure Sale
- E-3.3-01, Completing Preforeclosure Sale Review (04/10/2019)
- E-3.3-02, Certifying the Status of Workout Negotiations Prior to Foreclosure Sale (11/12/2014)
- E-3.3-03, Inspecting Properties Prior to Foreclosure Sale (04/10/2019)
- E-3.3-04, Marketing the Foreclosure Sale and Using Foreclosure Auction Services (11/14/2018)
- E-3.3-05, Issuing Bidding Instructions (05/10/2023)
- E-3.3-06, Handling a Suspension or Reduction of the Redemption Period (11/12/2014)
- E-3.3-07, Pursuing a Deficiency Judgment (01/18/2017)
- Section E-3.4, When Foreclosure Proceedings Must Be Suspended or Canceled
- Section E-3.5, Servicer Responsibilities Following the Foreclosure Sale
-
Section E-3.1, Foreclosure Proceedings in General
-
Chapter E-4, Managing Acquired Properties
- Section E-4.1, Notifying Fannie Mae of Property Acquisitions
- Section E-4.2, Conveying Title to an Acquired Property
- Section E-4.3, Preserving and Managing Properties
-
Section E-4.4, Property and Flood Insurance Coverage Requirements
- E-4.4-01, Continuing or Canceling Property Insurance Coverage (11/13/2019)
- E-4.4-02, Remitting Property Insurance Settlement Proceeds or Unearned Premium Refunds (04/10/2019)
- E-4.4-03, Canceling Flood Insurance Coverage for Acquired Properties (11/13/2019)
- E-4.4-04, Remitting Flood Insurance Settlement Proceeds or Unearned Premium Refunds (06/13/2018)
-
Section E-4.5, Filing MI Claims for Liquidated Properties
- E-4.5-01, Filing MI Claims for Conventional Mortgage Loans or for Other Mortgage Loans for which Fannie Mae Bears the Risk of Loss (07/14/2021)
- E-4.5-02, Filing MI Claims for FHA Mortgage Loans (11/12/2014)
- E-4.5-03, Filing MI Claims for FHA Coinsured Mortgage Loans (11/12/2014)
- E-4.5-04, Filing MI Claims for FHA Title I Loans (11/12/2014)
- E-4.5-05, Filing MI Claims for HUD Section 184 Mortgage Loans (11/12/2014)
- E-4.5-06, Filing MI Claims for VA Mortgage Loans (12/16/2015)
- E-4.5-07, Filing MI Claims for RD Mortgage Loans (11/12/2014)
-
Chapter E-5, Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters
- E-5-01, Requesting Reimbursement for Expenses (11/09/2016)
- E-5-02, Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs (02/12/2020)
- E-5-03, Allowable Bankruptcy Fees (02/12/2020)
- E-5-04, Allowable Foreclosure Fees (02/12/2020)
- E-5-05, Reimbursing Law Firms/Reimbursement of Uncollected Fees, Costs or Advances (02/12/2020)
- E-5-06, Technology Fees and Electronic Invoicing (11/12/2014)
- E-5-07, Other Reimbursable Default-Related Legal Expenses (03/08/2023)
-
Chapter E-1, Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms
-
Part F Servicing Guide Procedures, Exhibits, and Quick Reference Materials
-
Chapter F-1, Servicing Guide Procedures
- F-1-01, Servicing ARM Loans (12/20/2023)
- F-1-02, Escrow, Taxes, Assessments, and Insurance (12/20/2023)
- F-1-03, Establishing and Implementing Custodial Accounts (07/12/2023)
- F-1-04, Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan (07/12/2023)
- F-1-05, Expense Reimbursement (10/11/2023)
- F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property (07/14/2021)
- F-1-07, Handling Property Forfeitures and Seizures (11/12/2014)
- F-1-08, Managing Foreclosure Proceedings (05/10/2023)
- F-1-09, Processing Mortgage Loan Payments and Payoffs (10/19/2016)
- F-1-10, Obtaining and Executing Legal Documents (05/15/2019)
- F-1-11, Post-Delivery Servicing Transfers (10/11/2023)
- F-1-12, Preparing to Implement a Workout Option (05/10/2023)
- F-1-13, Processing a Fannie Mae Mortgage Release (Deed-In-Lieu of Foreclosure) (05/10/2023)
- F-1-14, Processing a Fannie Mae Short Sale (05/10/2023)
- F-1-15, Processing a Government Mortgage Loan Modification (07/08/2015)
- F-1-16, Processing a Repayment Plan (05/10/2017)
- F-1-17, Processing a Transfer of Ownership (04/13/2022)
- F-1-18, Processing a Workout Incentive Fee (10/11/2023)
- F-1-19, Processing a Military Indulgence (12/20/2023)
- F-1-20, Remitting and Accounting to Fannie Mae (12/20/2023)
- F-1-21, Reporting a Delinquent Mortgage Loan via Fannie Mae’s Servicing Solutions System (10/11/2023)
- F-1-22, Reporting a Workout Option via Fannie Mae’s Servicing Solutions System (10/11/2023)
- F-1-23, Reporting to Third Parties (06/09/2021)
- F-1-24, Requesting Fannie Mae’s Approval via Fannie Mae’s Servicing Solutions System (06/08/2022)
- F-1-25, Reclassifying or Voluntary Repurchasing an MBS Mortgage Loan (12/20/2023)
- F-1-26, Servicing eMortgages (05/10/2023)
- F-1-27, Processing a Fannie Mae Flex Modification (05/10/2023)
- F-1-28, Reviewing a Transfer of Ownership for Credit and Financial Capacity (06/12/2019)
-
Chapter F-2, Exhibits
- F-2-01, Bankruptcy Referral and Completion Timelines (11/12/2014)
- F-2-02, Incentive Fees for Workout Options (10/11/2023)
- F-2-03, Compensatory Fee Calculation Examples (02/13/2019)
- F-2-04, Firm Minimum Requirements (10/11/2023)
- F-2-05, Historical Yield Differential Adjustment Provisions (08/16/2017)
- F-2-06, Mortgage Insurer Delegations for Workout Options (02/09/2022)
- F-2-07, Reporting the Principal Amount for Mortgage Loans with Principal Forbearance (09/09/2020)
- F-2-08, Servicing Fees for MBS Mortgage Loans (09/11/2019)
- F-2-09, Servicing Fees for Portfolio Mortgage Loans (09/11/2019)
- F-2-10, Fannie Mae’s Workout Hierarchy (12/09/2020)
-
Chapter F-3, Acronyms and Glossary of Defined Terms
- F-3-01, Acronyms and Glossary of Defined Terms: A (11/08/2017)
- F-3-02, Acronyms and Glossary of Defined Terms: B (10/12/2022)
- F-3-03, Acronyms and Glossary of Defined Terms: C (07/13/2022)
- F-3-04, Acronyms and Glossary of Defined Terms: D (08/17/2016)
- F-3-05, Acronyms and Glossary of Defined Terms: E (10/19/2016)
- F-3-06, Acronyms and Glossary of Defined Terms: F (06/08/2022)
- F-3-07, Acronyms and Glossary of Defined Terms: G (07/13/2022)
- F-3-08, Acronyms and Glossary of Defined Terms: H (06/08/2016)
- F-3-09, Acronyms and Glossary of Defined Terms: I (08/17/2016)
- F-3-10, Acronyms and Glossary of Defined Terms: J (11/12/2014)
- F-3-11, Acronyms and Glossary of Defined Terms: K (11/12/2014)
- F-3-12, Acronyms and Glossary of Defined Terms: L (11/12/2014)
- F-3-13, Acronyms and Glossary of Defined Terms: M (07/14/2021)
- F-3-14, Acronyms and Glossary of Defined Terms: N (09/13/2017)
- F-3-15, Acronyms and Glossary of Defined Terms: O (06/10/2015)
- F-3-16, Acronyms and Glossary of Defined Terms: P (10/11/2023)
- F-3-17, Acronyms and Glossary of Defined Terms: Q (11/12/2014)
- F-3-18, Acronyms and Glossary of Defined Terms: R (12/20/2023)
- F-3-19, Acronyms and Glossary of Defined Terms: S (12/20/2023)
- F-3-20, Acronyms and Glossary of Defined Terms: T (11/08/2017)
- F-3-21, Acronyms and Glossary of Defined Terms: U (05/15/2019)
- F-3-22, Acronyms and Glossary of Defined Terms: V (11/12/2014)
- F-3-23, Acronyms and Glossary of Defined Terms: W (11/12/2014)
- F-3-24, Acronyms and Glossary of Defined Terms: X (11/12/2014)
- F-3-25, Acronyms and Glossary of Defined Terms: Y (11/12/2014)
- F-3-26, Acronyms and Glossary of Defined Terms: Z (11/12/2014)
- Chapter F-4, Servicing Guide Resources
-
Chapter F-1, Servicing Guide Procedures