Servicing Guide

Published November 10, 2020

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F-2-06: Mortgage Insurer Delegations for Workout Options (09/09/2020)

This exhibit contains information related to mortgage insurer delegations for workout options.


Mortgage Insurer Delegations for Workout Options

Fannie Mae has obtained delegation of authority on behalf of all servicers from each of the mortgage insurers identified below for the workout options listed. If Fannie Mae has not obtained delegation of authority from the mortgage insurer for any particular workout option, the servicer must obtain this delegation or seek mortgage insurer approval.

Fannie Mae Flex Modification: Arch MI, Essent Guaranty, Genworth, MassHousing, MGIC, NMI, Radian Guaranty, RMIC, Triad, United Guaranty.

Disaster payment deferral: Arch MI, Essent Guaranty, Genworth, MassHousing, MGIC, NMI, Radian Guaranty, RMIC, United Guaranty.

Fannie Mae Short Sale: Arch MI, Essent Guaranty, Genworth, MassHousing, MGIC, NMI, PMI, Radian Guaranty, RMIC, Triad, United Guaranty.

Fannie Mae Mortgage Release (Deed-in-Lieu of Foreclosure): Arch MI, Essent Guaranty, Genworth, MassHousing, MGIC, NMI, PMI, Radian Guaranty, RMIC, Triad, United Guaranty.

In addition, the delegations to Fannie Mae allow for mortgage loan modification and Mortgage Release decisions to be made outside the published terms of the programs listed above. The following mortgage insurers have delegated these decisions to Fannie Mae: Arch MI, Essent Guaranty, Genworth, MassHousing, MGIC, NMI, Radian Guaranty, RMIC, Triad, United Guaranty and PMI (for short sale and Mortgage Release decisions only).

Note: Fannie Mae instructs the servicer, when filing a claim for a short sale or Mortgage Release (Deed-in-Lieu of Foreclosure), to provide the relevant available valuation to the mortgage insurer if requested.

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