Servicing Guide

Published September 9, 2020

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What are the claim filing procedures for RD mortgage loans?

Claim filing procedures for RD mortgage loans are similar for all three servicing options, except that the claim is filed for the benefit of the servicer in some cases and on Fannie Mae's behalf in other cases. The following table provides additional details for each of the servicing options. 

If the mortgage loan is serviced under... Then the servicer...

the regular servicing option or the modified special servicing option

must purchase the mortgage loan from Fannie Mae immediately following the foreclosure sale and file the claim on its own behalf since it will be responsible for disposing of the acquired property.

Note: This is also true for any RD mortgage loan originated under the RD Native American Pilot program.

the special servicing option

is not required to purchase the mortgage loan or to dispose of the acquired property, but must file the claim on Fannie Mae's behalf.

The servicer must follow the procedures in Filing an RD Guarantee Claim on Fannie Mae’s Behalf in F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property, when the claim must be filed on behalf of Fannie Mae.

For more information please see: E-4.5-07: Filing MI Claims for RD Mortgage Loans 

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If you have additional questions, Fannie Mae customers can visit Ask Poli to get information from other Fannie Mae published sources.

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