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.

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What are Fannie Mae's expectations for the address discoloration allowable during property preservation services?

  • The servicer must cure the source of the discoloration prior to utilizing the Address Discoloration Allowable.
  • The servicer must adhere to applicable legal requirements and/or local ordinance/association standards when they differ from Fannie Mae requirements.
  • Porous Material: Remove porous material (e.g. drywall, insulation, etc.), clean the framing/studs left exposed (behind the discolored surface), by applying antimicrobial and a stain blocking primer when applicable. Remove any resulting debris from the property.

- The Address Discoloration Allowable includes removal of all related debris from the property.

-  The Debris Removal Allowable may not be utilized to remove the resulting discolored debris from the property.

  • Semi-porous/Non-porous Material: Semi-porous/non-porous material (e.g., masonry, concrete, etc.) must be cleaned (and not removed) when cleaning will eliminate the discoloration.

- Cleaning should consist of an anti-microbial solution and scrubbing with a stiff brush or pad. 

- Cleaning should extend to an area at least two (2) feet beyond the visible discoloration. After applying anti-microbial solution and scrubbing with a stiff brush or pad, apply a stain blocking primer/masonry sealer/water proofer product when applicable to the surface treated. Do not apply stain blocking primer when the application of the primer will deface the surface treated (e.g., finished cabinetry, wood work, etc.);

  • When discoloration cannot be addressed within the allowable, a bid must be submitted via HomeTracker.
  • Photos documenting work completion must include before, during, and after photos. This includes photos of all removal, treatment using antimicrobial solution, stain blocking primer (when applicable), and haul away/removal of created debris.

For additional information please see: Property Preservation Matrix and Reference Guide, Section 5, Initial Securing and Initial Services.

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