Fannie Mae Selling and Servicing Policy Archives

The Fannie Mae Selling and Servicing policy archives allow you to quickly access current and past policy materials.

Our archives allow you to search for Selling and Servicing policy communications by year and/or by communication type which include:

announcements
guides
lender letters
notices

In addition, you can find our In Case You Missed It job aid, which summarizes Selling Guide, Servicing Guide and other policy communications for years 2012 to present.

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Announcement SEL-2014-13 Selling Guide Updates	November 10, 2014 - The update contains policy changes with regard to project standards policy; liability insurance requirements; reduction in the maximum LTV, CLTV, and HCLTV ratios for fixed-rate cash-out refinance transactions from 85 to 80; loan-level price adjustments to mortgage loans for borrowers without credit score; underwriting requirements for borrowers with multiple financed properties; electronic submission of loan files via the National Underwriting Center File Transfer Portal or Lender Direct by February 1, 2015; clarification to the mortgage insurance policy; and other changes.
Selling Guide - November 10, 2014	Selling Guide - PDF Version (November 11, 2014)
Lender Letter LL-2014-05 Suspension of Maryland Housing Fund as an Approved Mortgage Insurer	October 28, 2014 - Fannie Mae suspends the Maryland Housing Fund as an approved provider of mortgage insurance.
Announcement SVC-2014-19 Updates to Property (Hazard) and Flood Insurance Losses and Insurance Claim Settlements	October 17, 2014 - This Announcement provides new guidance for handling insurance losses. In addition, the Report of Property (Hazard) Insurance Loss (Form 176) has been updated and is available on Fannie Maes website.
Announcement SVC-2014-18 Miscellaneous Servicing Policy Updates	October 15, 2014 - This Announcement provides updates and clarifications for several servicing policies, including execution of legal documents and document preparation and costs related to Mortgage Releases.
Announcement SVC-2014-17 Miscellaneous Servicing Policy Updates	October 1, 2014 - This Announcement updates several servicing policies and the Delinquency Status Code Hierarchy and Definitions.
Announcement SEL-2014-12 Selling Guide Updates	September 30, 2014 - The update contains policy changes with regard to employment-related assets as qualifying income; policy update to accept third-party vendor verifications of asset and depository information; clarifications to the current title insurance requirements, including Texas and Texas 50(a)(6); updates to allow delivery of HUD-guaranteed Section 184 mortgage loans and RD-guaranteed Section 502 loans as standard products; rental income and the publication of three rental income worksheets; updates to the list of Fannie Mae-approved mortgage insurance Forms for mortgage insurance providers; and other changes.
Selling Guide - September 30, 2014	Selling Guide - PDF Version (September 30, 2014)
Announcement SVC-2014-16 Miscellaneous Servicing Policy Updates	September 8, 2014 - This Announcement updates several servicing policies and related Fannie Mae forms.
Announcement SEL-2014-11 Selling Guide Updates	August 26, 2014 - The update contains implementation of Suspended Counterparty Program (SCP) established by FHFA, clarification of Fannie Maes policies regarding allowable age of credit documents and requirements pertaining to lender review of disputed tradelines; removal of references to loans with terms greater than 30 years, interest-only, growing-equity mortgages, and loans with prepayment penalties; and other changes.
Selling Guide - August 26, 2014	Selling Guide - PDF Version (August 26, 2014)
Lender Letter LL-2014-04 Fannie Mae Quality Control Related to the Home Ownership and Equity Protection Act (HOEPA)	August 25, 2014 - This Lender Letter reminds lenders that information regarding points and fees and other relevant data is required if a mortgage loan is selected for anti-predatory lending and HOEPA compliance review. To assist lenders in providing this information, Fannie Mae has prepared an optional worksheet.
Announcement SVC-2014-15 Updates to Project Insurance	August 19, 2014 - Fannie Mae is updating the project insurance requirements for PUDs, condos, and co-ops. The affected topics include the required amount of coverage, allowable special endorsements, liability and fidelity insurance requirements, and the removal of rent loss insurance.
Announcement SEL-2014-10 Selling Guide Updates	July 29, 2014 (Updated October 2, 2014) - The update contains policies pertaining to significant derogatory credit events; property insurance requirements for condos, co-ops, PUDs; lender quality control policy updates; and clarifications and other changes.
Selling Guide - July 29, 2014	Selling Guide - PDF Version (July 29, 2014)
Announcement SVC-2014-14 Miscellaneous Servicing Policy Updates	July 9, 2014 - This Announcement updates or clarifies policies on a variety of topics.
Announcement SEL-2014-09 Anti-Money Laundering Requirements	July 1, 2014 - Contains new policy requirements related to the anti-money laundering provisions of the Bank Secrecy Act and its implementing regulations.
Announcement SVC-2014-13 Alternative to Repurchase for Mortgage Insurance Rescission	July 1, 2014 - This Announcement describes the process the servicer (or the responsible party) must follow to be considered for a repurchase alternative known as an MI stand-in.
Selling Guide - June 24, 2014	Selling Guide - PDF Version (June 24, 2014)
Announcement SEL-2014-08 Fannie Mae Announces Approved Mortgage Insurance Forms	June 24, 2014 - The Announcement contains requirements related to the updated master primary policies and related endorsements and other forms.
Announcement SEL-2014-07 Selling Guide Updates	June 24, 2014 - The update contains new flexibilities for HomePath properties, Federal Home Loan Banks as grant and Community Seconds providers, the incorporation of Announcement SEL-2014-05, and other changes.
Announcement SVC-2014-12 Neighborhood Stabilization Initiative - MyCity Modification for Detroit, Michigan	June 20, 2014 - Fannie Mae is introducing a mortgage loan modification program for Detroit, Michigan - MyCity Modification - as part of the Neighborhood Stabilization Initiative.
Announcement SVC-2014-11 Servicer Compliance with Anti-Money Laundering Provisions of the Bank Secrecy Act	June 20, 2014 - Fannie Mae must implement a formal anti-money laundering program. This Announcement describes the steps servicers must take no later than August 25, 2014 to comply with these new requirements.
Announcement SVC-2014-10 Updates to Fannie Mae Unemployment Forbearance	June 4, 2014 - Fannie Mae will now allow servicers to approve borrowers for the Fannie Mae Unemployment Forbearance program as well as for Unemployment Forbearance extensions provided that specific requirements are met.
Announcement SVC-2014-09 Updates to Short Sale and Mortgage Release (Standard Deed-in-Lieu of Foreclosure) Requirements	May 30, 2014 - In conjunction with Freddie Mac and under the direction of the Federal Housing Finance Agency, Fannie Mae is announcing a number of short sale and Mortgage Release policy updates and clarifications.