Servicing Guide

Published September 9, 2020

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What are the Fannie Mae Stand-Alone IDE and Reporting Tools in SMDU UI?

An imminent default evaluation (IDE) determines if a borrower’s mortgage payment is in imminent default for purposes of determining eligibility for a conventional mortgage loan modification.  SMDU will run an IDE when it is used to create a case in Fannie Mae’s Servicing Solutions System for a loan that was not decisioned by SMDU.   Although SMDU will run an IDE it will not impede the creation of a case in the Servicing Solutions System. 

  • SMDU will perform an IDE when the case creation request contains the “Mandatory IDE Request Data Elements (“IDE Request”)”.

You can use the Stand-Alone tool to conduct an independent IDE prior to the loan being evaluated for a modification or creating a case in Fannie Mae’s Servicing Solutions System for a loan that was not decisioned by SMDU.

If you prefer SMDU will evaluate the loan for imminent default as part of the loan modification evaluation (“auto decisioning”) as long as all the Mandatory IDE Request Data Elements (“IDE Request”) are provided.

For additional information refer to the "Imminent Default Evaluation" section of the SMDU UI User Guide.

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