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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Under what circumstances must the servicer of a portfolio mortgage loan or a special servicing option MBS mortgage loan reimburse Fannie Mae for mortgage insurance related costs?

The servicer of a portfolio mortgage loan or a special servicing option MBS mortgage loan must reimburse Fannie Mae in the following circumstances:

  • if certain costs in the claim are disallowed;

  • if the amount of interest payable is cut off solely because the servicer did not follow the required procedures for conveyance or claim filing; or

  • if any payments the servicer owes the insurer or guarantor (for premiums, surcharges, etc.) are netted against the benefits paid to Fannie Mae.

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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