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.

View All Servicing Policy Updates

Download PDF

Hint: Ask in a form of a question.

For best results, pose your search like a question.

What specific information must be included in the bankruptcy referral package?

The following table lists the documentation required specifically for bankruptcy referral packages.

Documentation required for the bankruptcy referral package

All legal documents the law firm needs to conduct the bankruptcy proceedings.


All necessary information about the status of

  • the property,

  • the borrower,

  • the mortgage loan, and

  • the bankruptcy filing.


Any relevant information on the current and any prior bankruptcy filings, such as plans, pleadings, schedules, and proofs of claims involving the borrower or the subject property.


Information related to any potential workout options.


The mortgage loan collection history.


Any current or previous foreclosure status information.


All information the servicer has regarding the value of the security property, if applicable.

The servicer must check its records for the mortgage loan carefully to determine whether the borrower has filed for bankruptcy previously. If the records reflect other bankruptcy filings, the servicer must mark the referral package it sends to the bankruptcy attorney as “repeat filer” or “possible bankruptcy abuse” and ask the attorney to confirm whether the borrower’s filing is considered “abusive.” See also E-2.3-01, Identifying Abusive Filers for additional information.

For more information please see: E-1.1-02: Required Referral Documents.

Have You Tried Ask Poli?

Poli knows. Just ask.

Ask Poli features exclusive Q&As and
more—plus official Selling & Servicing

Try Ask Poli

Related Articles

E-1.1-02: Required Referral Documents (11/12/2014)

The servicer must provide all appropriate documentation and mortgage loan status data for each mortgage loan it refers to a law firm for any default-...

Read more

When referring a mortgage loan to a law firm for default-related legal services, what happens if the required documentation is not submitted to the law firm within the required time-frame?

If the servicer fails to provide the appropriate documentation and information as part of the referral package, or does not respond within three business...

Read more

What must a servicer do when an assignment of mortgage is needed when referring a mortgage loan to a law firm for foreclosure proceedings?

When an assignment of mortgage to the party in whose name the foreclosure will be conducted is required (and in all cases as to which MERS is the...

Read more

Have guide questions? Get answers to all of your policy questions, straight from the source.

Get Started
Having Issues with Seeing this Page Correctly?

Use Firefox or Chrome   How to do a hard refresh in Internet Explorer
We recommend that you use the latest version of FireFox or Chrome.

Download Firefox
Download Chrome
  A hard refresh will clear the browsers cache for a specific page and force the most recent version of a page.
    Hold the Ctrl key and press the F5 key.

Email Us
If you still have Technical Support questions, feel free to