Delinquency and Default Management

Fannie Mae requirements, procedures, and documents for servicing mortgage loans from the time the mortgage loan becomes delinquent or default is deemed to be reasonably foreseeable (imminent) through the default management process. Provides tools and resources for servicers to use for: early intervention with the borrower, workout options to avoid foreclosure proceedings, and if necessary, managing default-related legal services.

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Help & Training

Related Applications

Servicer Assistance: Take Steps to Prevent Default

Use your Fannie Mae credentials to access the locked content below.

Borrower Assistance: Help Borrowers Avoid Foreclosure

  • Know Your Options Program

    • Know Your Options

      Know Your Options is Fannie Mae's consumer education initiative that explains the range of options available to struggling homeowners and provides guidance on how to seek help.

    • Fannie Mae Mortgage Help Network

      Our Mortgage Help Network was created to help homeowners with Fannie Mae-owned loans. All services offered are free and available in both English and Spanish.

    • Fannie Mae Loan Lookup Tool

      This tool helps you quickly determine if Fannie Mae owns your loan. If Fannie Mae does, you may be eligible for programs designed to make your mortgage more affordable.

    • Avoiding Foreclosure Overview

      Learn about your options to possibly avoid foreclosure.

  • High LTV Refinance

    • High LTV Refinance Option

      The high LTV refinance option provides refinance opportunities to borrowers with existing Fannie Mae mortgages who are making their mortgage payments on time but whose LTV ratio for a new mortgage exceeds the maximum allowed for standard limited cash-out refinance transactions.