Servicing Guide

Published September 9, 2020

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What actions must be taken when a servicing transfer Includes an eMortgage or a mortgage loan modified under HAMP/2MP?

For an eMortgage or a mortgage loan modified under HAMP/2MP, the transferor servicer must take the actions described in the following table. 

The transferor servicer must...
 

Advise the transferee servicer that an eMortgage or a mortgage loan modified under HAMP/2MP is part of the portfolio being transferred.

 

Confirm that the transferee servicer

  • is aware of the special requirements for these mortgage loans, and

  • agrees to assume the additional responsibilities associated with servicing these mortgage loans.

Subsequent to Fannie Mae’s approval of a servicing transfer, the following table describes additional actions that the transferor servicer must complete prior to the date of transfer, for a transfer of servicing that includes eMortgages. 

The transferor servicer must...
  Provide to the transferee servicer a copy of all eNotes included in the transfer via MSERS eDelivery or some other mutually agreed-upon means.
  Update the “Servicing Agent” field in the MERS eRegistry to reflect the transferee servicer or transferee servicer’s agent, as applicable.
  Provide to the transferee servicer all associated borrower attribution evidence and audit trail information detailing the eClosing event.

The transferee servicer must confirm that all actions in the table above have been completed prior to the date of the transfer.

For more information please see Servicing Guide F-1-11, Post-Delivery Servicing Transfers.

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