Servicing Guide

Published June 10, 2020

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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F-5-01: Servicing Guide Change Control Log (06/10/2020)

This topic summarizes the updates made to the Servicing Guide during the current calendar year.

Change Control Log

The following table provides a description of the updates.

Announcement Topic Description
SVC-2020-02, Servicing Guide Updates (06/10/2020) Delinquency Status Reporting Requirements Clarifies servicer’s responsibility to report delinquency status information for mortgage loans that are current or less than 30 days delinquent

Impacted topics:

Clarifying the Pre-Modification Housing Expense-to-Income Ratio Calculation for Imminent Default and Cash Contribution Clarifies that only an escrow shortage included as part of the current full monthly contractual payment is to be included in the pre-modification Housing Expense-to-Income Ratio calculation for purposes of determining imminent default for a conventional mortgage loan modification, short sale, or Mortgage Release, as well as for determining the borrower’s ability to make a cash contribution towards a Fannie Mae short sale or Mortgage Release.

Impacted topics:

SVC-2020-01, Servicing Guide Updates (02/12/2020) Prorated Attorney Fees and Foreclosure Milestone Invoicing Updates the foreclosure milestone schedule and eliminates prorated fee requirements.

Impacted topics:

Timing of Delinquency Status Exception Report Availability Clarifies when delinquency status exception reports will be made available to servicers.

Impacted topic:

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