Servicing Guide

Published September 9, 2020

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How should the servicer determine what type of property inspection is required on a property securing a delinquent mortgage loan?

The following table outlines the type of inspection the servicer must perform depending on the occupancy status.

If... Then the servicer must complete...
the property is vacant or abandoned an interior inspection as allowed by applicable law
the occupancy status of the property is
  • unknown, or

  • occupied (whether by borrower(s), tenant(s), or unknown occupant(s))

an exterior inspection

Note: Only in the following circumstances the servicer is authorized to consider a curbside (drive-by) inspection as an exterior inspection

  • when legal constraints due to compliance with applicable law including active bankruptcy, or

  • if there is potential danger to the inspector.

The servicer must maintain and make any checklists or other documentation relied upon to determine the occupancy status of a property available to Fannie Mae upon request. Fannie Mae reserves the right to require

  • revisions to the checklists,

  • the use of a prescribed form of checklist, or

  • affidavits of vacancy where necessary or appropriate to evidence the vacancy status.

See A4-2.1-02, Property Inspection Vendor Management and Oversight for information on property inspection vendor management.

The servicer must follow the procedures in Requesting Reimbursement for Property Inspections and Property Preservation Expenses in F-1-05, Expense Reimbursement for requesting reimbursement of property inspection fees.

For more information please see: D2-2-10, Requirements for Performing Property Inspections.

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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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