Loan Delivery Release Notes

Maintain and protect the confidentiality and integrity of your connections to Fannie Mae systems and help ensure uninterrupted access after our upcoming Transport Layer Security (TLS) update. By October 23, 2026, you must confirm that all connections to Fannie Mae common lender validation (CLVE) and production environments are using current support encryption ciphers. See Technology Rquirements | Fannie Mae for detals.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 5 new informational edits to validate Property Data, Property Data-CPM
• 11 edits moving to fatal to validate Loan Program, Property-Project Type, Property Data, and Underwriting

Faster, simpler wiring instructions: a digital experience

Reduce manual effort and strengthen oversight when managing wiring instructions. On October 2, the Seller’s Designation of Wire Transfer Instructions (Form 482) and Certificate of Authority, Incumbency, and Specimen Signatures (Form 360) PDFs will retire. Lenders will transition to a self-service digital experience that allows authorized users to create, update, and deactivate payee codes using the new Form 482 application. See what's coming.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 6 edits moving to warning to validate Property Data, Property Data-CPM

Details on the 2026 general and high-cost area loan limits and updated resources are available on the loan limit page.

The conforming loan limits for 2026 have increased and apply to loans delivered to Fannie Mae in 2026 (even if originated prior to 1/1/2026). Refer to Lender Letter LL-2025-04 for specific requirements

Enhancements have been introduced to help ensure timely resolution of MBS Pools in “Correction Pending” status. Pools with this status will now appear in the “Pools with Exceptions” section on the Loan Delivery home page, and an automated reminder email will be sent one business day prior to settlement.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 5 warning edits to validate UAD 3.6 data, property data, CPM, and Buydown
• 5 edits moving from warning to fatal to validate MI, CLTV, Escrow, and DU compare

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 3 new warning edits to validate MRB indicator for MBS Pools and construction to permanent loans
• 2 fatal edits to validate UCD flood premium data points, buydown

Lenders can now initiate pool deletion directly in Loan Delivery for Non-ASAP pools in eligible statuses and for ASAP pools in Open status. Close Ready/Reclose Ready will still require an unlock before taking action. ASAP pools in certain statuses, as well as pools that are Pending Settlement or Settled, will continue to be handled by Fannie Mae Acquisitions Operations, including settlement-day wire review/return as applicable. Please refer to the Pool Deletion Job Aid for more information.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 3 new warning edits to validate community lending and custody
• 4 warning edits moving to fatal to validate property data, CPM, MRB indicator for MBS Pools, and Appraisal
• 42 new fatal edits for loan program Homestyle® Refresh data validations, see Selling Guide Announcement (SEL-2025-10) for details

See the April 1, 2026, Selling Guide Announcement for details on the updated end‑of‑month submission requirements, including:

• Expanded submission window allowing Fannie Major deliveries to be error‑free and certified by 5:00 p.m. ET on the third‑to‑last business day, giving sellers an additional day to submit.
• Aligned submission timelines for single‑issuer CUSIPs and Fannie Majors, creating a unified and simplified delivery schedule.

Managing month-end delivery just got more flexible. Effective today Fannie Mae has extended MBS pooling submission deadlines, with single issuer pools now due one business day later and Fannie Majors closing one business day closer to month-end. Update your timelines and adjust your submission strategy accordingly. Visit the Loan Delivery page for complete submission and settlement details to help keep deliveries on track.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 3 edits moving to warning for Property Data Collection (PDC) validation
• Existing fatal edits 1205, 1208, 1211, 1215, 1218, and 1228 moving to Warning for Value Acceptance only. These edits will turn fatal for Value acceptance on June 22.

• 1 new informational edit to validate that at least one Financial Institution Number is available in Loan Delivery
• 13 new warning edits for buydown, property data, and ARM
• 9 edits moving to fatal to validate loan program, credit score, and borrower information
• 5 fatal edits to validate Green mortgages

MBS Settlement delays can be difficult to identify in time to take action, slowing progress and creating downstream impacts. Loan Delivery is introducing a new Settlement Hold status on the Pool Details page to provide clearer visibility into settlement readiness. In addition to the current email notification, this status flags MBS pools that require additional updates that must be resolved before the scheduled settlement date in order for the sale to settle as scheduled.
Beginning April 20, 2026, review the loan status to identify and address any outstanding items. With earlier visibility into potential issues, you can prevent delays and keep settlements on track.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 4 edits moving to fatal for appraisal, buydown, and community lending

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

Jun 1, 2026

• 2 MBS pool edits moving from informational to warning

• 6 edits for buydown, custody, DTI, and income moving from informational to warning
• 7 edits moving to fatal for ARM, appraisal, LTV/CLTV, loan program, credit score, and project type.
• Existing fatal edits 1205, 1208, 1211, 1215, 1218, and 1228 moving to Warning for Value Acceptance only in April. These edits will turn fatal for Value acceptance on June 22.

Loan Delivery now supports submission of the Expected Fund Date for As Soon as Pooled® Sale (ASAP Sale) deliveries using ULDD Sort ID 686.6, LenderPoolTargetFundingDate. When a date is submitted, Loan Delivery will confirm that the loan is being delivered into an ASAP Sale pool and that the date is a business day on or before the pool delivery date.

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

• 8 new warning edits to validate total mortgaged properties, project type, and ASAP Sale
• 3 edits moving from informational to warning to validate HomeStyle Renovation loans and custody

See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates including:

Aug 3

• 1 edit moving to fatal for Property-Project Type

• 1 new warning edit to validate Property-Project Type
• 1 new fatal edit to validate SFC eligibility

• 1 new informational edit to validate Property-Project Type-CPM
• 2 edits moving to warning to validate Deed Restrictions
• 8 fatal edits for Income, Payment due dates, Pool, Property-Project Type