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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What are the required timelines for completing a Chapter 13 bankruptcy?

The timelines for completing a Chapter 13 bankruptcy are described in the following table

If the mortgage loan... Then the time frame for completing a Chapter 13 bankruptcy is...

was less than 60 days delinquent when the borrower filed bankruptcy

five months and two weeks from the 60th day of delinquency, or from the date of referral to a law firm, whichever occurs first.

was greater than or equal to 60 days delinquent or in foreclosure when the borrower filed bankruptcy

five months and two weeks from the date of the bankruptcy filing.

becomes 60 days delinquent pursuant to the plan, post-confirmation

two months and two weeks from the 60th day of delinquency.

For more information please see: E-2.2-04: Managing Chapter 13 

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E-2.2-04: Managing Chapter 13 Bankruptcies (11/12/2014)

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When servicing a Chapter 13 bankruptcy, when is it required to ensure the attorney files an Objection to the Confirmation and/or a motion to dismiss the case?

If the terms of the Chapter 13 plan are unacceptable, and the borrower is not willing to amend the plan to adequately address the unacceptable provisions,...

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