Servicing Guide

Published June 10, 2020

The Servicing Guide is organized into parts that reflect how lenders generally categorize various aspects of their business relationship with Fannie Mae. To begin browsing, select from any of the sections below. You may also download the entire Servicing Guide in PDF format.

View All Servicing Policy Updates

Download PDF

Hint: Ask in a form of a question.

For best results, pose your search like a question.

What are Fannie Mae's general photo requirements when completing property preservation work?

Fannie Mae requires the servicer to make available all date stamped, before, during, and after photos and/or videos of all work completed. Depending on type of service performed, Fannie Mae will require photos showing any debris being hauled away (removed from property). The photos must clearly show work was performed to verify all work was completed. In addition to the requirements found in this Property Preservation Guide, the servicer must adhere to the requirements as set forth in Servicing Guide A2-5-01: Ownership and Retention of Individual Mortgage Loan Files and Records.

In addition to the servicer's own photo requirements, Fannie Mae requires the following:

  • Date-stamped photos 
  • Photos must remain clear at dimensions of 3.5X5 inches
  • Photos must be in color
  • Bid photos should be no older than 30 days from the date the bid is submitted
  • Before, during and after photos should be taken from the same perspective and angle to show progression of work
  • Only submit photos associated with the service requested
  • Limit duplicate photos when possible
  • Front, rear and side views should be taken from a distance far enough away that the entire view of the property can be seen
  • Do not submit photos sideways or upside down
  • If providing a link to photos, the link must directly take the reviewer (no log in required) to the photos of the selected service only.

Note: It is recommended to limit photos to only four per page. All photos/videos provided must meet Fannie Mae system of record requirements.

For additional information please see: Property Preservation Matrix and Reference Guide, Section 2, Technology and Photos

Have You Tried Ask Poli?

Poli knows. Just ask.

Ask Poli features exclusive Q&As and
more—plus official Selling & Servicing

Try Ask Poli

Related Articles

How should the servicer notify Fannie Mae of a property preservation matrix code violation for a property in REO?

If the servicer receives a code violation or otherwise determines a property is in disrepair and the property is in Fannie Mae's REO inventory, The...

Read more

What if the servicer has a question that they cannot find an answer to in the Property Preservation Matrix and Reference Guide?

Throughout this Property Preservation Guide, it is not possible to provide guidance or expectations on every possible situation a servicer may encounter....

Read more

What are the Property Preservation Matrix requirements for property maintenance?

The servicer is required to maintain the interior and the exterior of the property year round. Fannie Mae provides the servicer with allowable thresholds...

Read more

Have guide questions? Get answers to all of your policy questions, straight from the source.

Get Started
Having Issues with Seeing this Page Correctly?

Use Firefox or Chrome   How to do a hard refresh in Internet Explorer
We recommend that you use the latest version of FireFox or Chrome.

Download Firefox
Download Chrome
  A hard refresh will clear the browsers cache for a specific page and force the most recent version of a page.
    Hold the Ctrl key and press the F5 key.

Email Us
If you still have Technical Support questions, feel free to