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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C-4.1-02: Suspending Credit Bureau Reporting (06/13/2018)

The servicer must suspend reporting the status of a mortgage loan to credit bureaus even though payments are past due as long as the delinquency occurs during an active forbearance, repayment plan, or Trial Period Plan where the borrower is making the required payments as agreed and is directly attributable to:

  • a disaster event;

  • a borrower who is a U.S. servicemember and who is unable to continue making the monthly payment due to an injury sustained while on active duty; or

  • a borrower or a non-borrower surviving spouse who is unable to continue making the monthly payment due to the death of a U.S. servicemember while on active duty who was either

    • a borrower, or

    • a family member of the borrower who significantly contributed to the monthly payment.

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