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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Does the proposed bankruptcy reorganization plan need to be reviewed prior to the bankruptcy confirmation hearing?

The servicer or the law firm must obtain a copy of any proposed reorganization plan and review it prior to the confirmation hearing and any deadline to object to confirmation. The review must consider the scenarios described in the following table.   

If any of the following statements are true… Then…

the plan attempts to modify the security deed or mortgage, the note, the principal balance, the interest rate, or the maturity date

the servicer must ensure that the attorney files an Objection to the Confirmation or to other motions filed by the debtor, as appropriate.

the plan does not include the correct arrearage claim amount and provide for the payment of interest (where permissible to collect)

the plan does not provide for the arrearage claim to be paid in a reasonable period of time in accordance with local rules and practices

the plan does not provide for attorney fees

For more information please see: E-2.1-06: Reviewing Bankruptcy Reorganization Plans. 

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