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 servicer requirements for filing MI claims for FHA Title I Loans?

The servicer must file a claim under the insurance contract for an FHA Title I mortgage loan within nine months of the date of the borrower's default. The servicer must file the claim in accordance with the information shown in the following table.

If the Title I mortgage loan... Then the claim...

was sold to Fannie Mae without recourse

must be filed in Fannie Mae's name so Fannie Mae's claim reserve account is appropriately adjusted.

was sold to Fannie Mae with recourse

must be filed in the servicer's name so the servicer's claim reserve account is adjusted and the claim proceeds are sent to it.

For more information please see: E-4.5-04: Filing MI Claims for FHA Title I Loans 

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