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 MI claims are the servicer required to file?

The servicer must file all primary MI claims for liquidated conventional first lien mortgage loans

  • insured under a master primary policy issued by any approved mortgage insurer except RMIC, and

  • for which Fannie Mae bears the risk of loss.

The MI claim must be filed so that the claims proceeds are sent directly to Fannie Mae.

The servicer also must file claims for mortgage loans for

  • conventional first lien mortgage loans insured by mortgage insurers not participating in the MI Direct® MI claims process, and

  • those mortgage loans that are not conventional first lien mortgage loans for which Fannie Mae bears the risk of loss.

For more information please see: E-4.5-01: Filing MI Claims for Conventional Mortgage Loans or for Other Mortgage Loans for which Fannie Mae Bears the Risk of Loss

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