Servicing Guide

Published November 10, 2020

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What are the procedures for filing a mortgage insurance claim for an unsold FHA coinsured property?

In accordance with E-4.5-03, Filing MI Claims for FHA Coinsured Mortgage Loans, if the property secured by an FHA coinsured mortgage loan is not sold within six months of the foreclosure, the servicer must notify FHA before the expiration of this period. FHA will then arrange for an independent appraisal to determine the value of the property for claim purposes.  

The servicer must complete the actions shown in the following table.  

The servicer must...
 

File the MI claim within 15 days after receiving FHA’s notice of the appraised value of the property.

 

Send Fannie Mae a deed and any other documents necessary to convey title from Fannie Mae to the servicer. Fannie Mae will return the executed documents to the servicer for recordation.

For more information please see F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property. 

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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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