Servicing Guide

Published November 10, 2020

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Do Fannie Mae’s existing disaster policies in the Servicing Guide apply to the COVID-19 pandemic?

No. In accordance with Servicing Guide D1-3.1-01, Evaluating the Impact of a Disaster Event and Assisting a Borrower, disasters are earthquakes, floods, hurricanes, or other catastrophes caused by either nature or a person or event beyond the borrower’s control resulting in devastation in terms of property damage and destruction. While we are aware the Federal Emergency Management Agency (FEMA) has made certain declarations that would potentially lead this national emergency to also be considered a disaster in certain areas, we have created specific requirements related to servicing mortgages impacted by COVID-19. Servicers must follow those specific requirements in Lender Letters LL-2020-02, Impact of COVID-19 on Servicing and LL-2020-07, COVID-19 Payment Deferral.  All guidance specific to COVID-19 will be communicated through Lender Letters and FAQ documents such as this.

Note: This FAQ is from the Fannie Mae COVID-19 Frequently Asked Questions.

See below for more information on COVID-19:

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If you have additional questions, Fannie Mae customers can visit Ask Poli to get information from other Fannie Mae published sources.

Guide Resources

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Visit Selling and Servicing Guide Communications and Forms

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