Servicing Guide

Published September 9, 2020

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What action must be taken if the mortgage loan is delinquent and the property was occupied at the time of the disaster?

Continue at least monthly property inspections until the damage is remediated or the property is identified as vacant.

After the damage is remediated follow applicable Servicing Guide requirements, or after the property is identified as vacant, follow the vacant property guidelines within this table.

The servicer must conclude the property is vacant if the borrower has advised as such. The servicer may also use a vacancy notice posting where law allows. The servicer must immediately secure the property once it concludes the property is vacant.

For additional information please see: Property Preservation Matrix and Reference Guide, Section 8, Damaged Properties/Disaster Impacted Properties.

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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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