Servicing Guide

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 requirements for conducting a prereferral review prior to referring a loan to foreclosure?

The servicer must perform a prereferral review of the mortgage loan within 15 days prior to the date the servicer is required to refer the mortgage loan to foreclosure (see also E-3.1-02, Performing Due Diligence Prior to Considering Foreclosure). Before the review, the breach or acceleration letter and the Borrower Solicitation Package deadline must have expired without affirmative response from the borrower.

For more information please see: E-3.2-01: Conducting Prereferral Review.

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Under what circumstances in the prereferral review period should the servicer not refer a loan secured by a principal residence to foreclosure?

During any prereferral review period or before the servicer has made the first notice or filing required by applicable law for any judicial or non-...

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What are the quality right party contact requirements prior to referring a mortgage loan to foreclosure?

The prereferral review must ensure that all procedures relating to establishing QRPC as outlined in D2-2-01, Achieving Quality Right Party Contact with a...

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