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 servicing responsibilities after a mortgage insurance claim has been filed?

Once the MI claim is filed, whether by the servicer or Fannie Mae, the servicer has different responsibilities depending on how the property is liquidated. The servicer must follow the procedures in F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property.

Generally, after completing its responsibilities, the servicer is not required to take any further action unless it is contacted by Fannie Mae's eviction attorney, or the mortgage insurer, and asked to provide certain information or documentation. If the servicer fails to provide requested documentation, it must indemnify and hold Fannie Mae harmless against all Fannie Mae losses caused by its inaction. The servicer must provide any additional information requested by the mortgage insurer in order to process the claim. The servicer must follow the procedures in Ensuring Timely Settlement of the MI Claim for a Conventional Mortgage Loan in F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property.

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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