Servicing Policy Communications
Access a list of Servicing Announcements, Lender Letters and Notices to stay current on Fannie Mae's latest servicing policy updates.
| Announcement SVC-2026-04 – Servicing Guide Update | May 13, 2026-Streamline recordkeeping and save time with simpler requirements for remote online notarization video retention and digital management of Forms 1013 and 1014. Plus, keep operations running smoothly with the latest mortgage insurance contact and address information. |
| Lender Letter LL-2026-04 Governance framework on use of artificial intelligence and machine learning | April 8, 2026-This Lender Letter provides a governance framework for Fannie Mae Seller/Servicers’ use of artificial intelligence and/or machine learning (AI/ML) in their origination and/or servicing practices. |
| Announcement SVC-2026-03 – Servicing Guide Update | April 8, 2026-To simplify month-end processing, this month’s Servicing Guide update eliminates reporting errors for a paid-off loan after the reporting period has ended. This month’s update also incorporates the policies announced in Lender Letter LL-2026-01 directly into the Guide. |
| Lender Letter LL-2026-03 Updates to Project Standards & Property Insurance Requirements | March 18, 2026-This Lender Letter updates various project standards policies, as well as property insurance requirements for one-to four-unit properties and project developments. |
| Announcement SVC-2026-02 – Servicing Guide Update | March 11, 2026-The March Servicing Guide provides updated language that clarifies remittance requirements for stop delinquency advances and temporary interest rate buydowns, as well as updates to income assessment policy. |
| Lender Letter LL-2026-02 Impact of Federal Government Shutdown | March 3, 2026-This Lender Letter provides temporary guidance on selling and servicing policies that may be impacted by the federal government shutdown that occurred on February 14, 2026. These temporary policies are effective immediately and will automatically expire when the federal government resumes full operations. |
| Announcement SVC-2026-01 – Servicing Guide Update | February 18, 2026-The February Servicing Guide provides updates to the language for government mortgage loan modifications and the custodial account reconciliation forms (Forms 496/496A). |
| Lender Letter LL-2026-01 Updates to retention workout options and disaster-related foreclosure proceedings policy | February 11, 2026-This Lender Letter provides updates and clarifications to our policies for forbearance plans, Fannie Mae Flex Modifications, and foreclosure proceedings for disaster-impacted properties. |
| Announcement SVC-2025-07 – Servicing Guide Update | December 17, 2025-Learn what servicers need to know to confidently service the new HomeStyle® Refresh mortgage, which expands renovation financing to support a wide range of home improvements. |
| Announcement SVC-2025-06 – Servicing Guide Update | November 12, 2025-The November Servicing Guide provides updated guidance on the allowable bankruptcy attorney fees in alignment with the amendments to Bankruptcy Rule 3002.1 and clarifies bankruptcy cramdowns on recourse or indemnified loans—so you can stay compliant and better support borrowers in distress. |
| Lender Letter LL-2025-03 Impact of Federal Government Shutdown | October 1, 2025-This Lender Letter provides temporary guidance on selling and servicing policies that may be impacted by the federal government shutdown that occurred on October 1, 2025. These temporary policies are effective immediately and will automatically expire when the federal government resumes full operations. |
| Announcement SVC-2025-05 – Servicing Guide Update | August 13, 2025-The August Servicing Guide announcement includes updates to policies for mortgage loans subject to a temporary interest rate buydown plan, revised requirements for sending a Payment Reminder Notice, and other miscellaneous updates. |
| Announcement SVC-2025-04 – Servicing Guide Update | July 9, 2025-The July Servicing Guide update removes references to Republic Mortgage Insurance Company, updates the Foreclosure Time Frames and Compensatory Fee Allowable Delays Exhibit, plus other miscellaneous updates. |
| Lender Letter LL-2025-02 Advance Notice of Changes to Servicing Processes and Systems | June 18, 2025-(Updated December 17, 2025) This Lender Letter provides advance notice of upcoming changes to servicing processes and systems. These changes are part of a multi-year initiative to further simplify and streamline servicer reporting, enhance risk management capabilities, and create operational efficiencies for mortgage servicing participants. These changes are expected to be delivered incrementally in a phased approach. |
| Announcement SVC-2025-03 – Servicing Guide Update | June 11, 2025-The June Servicing Guide announcement includes updates to property preservation expense reimbursement limits and preservation guidance. |
| Servicing Notice - UGI Merger | June 11, 2025-We have issued a non-objection to the merger of Republic Mortgage Insurance Company and Republic Mortgage Guaranty Insurance Corporation, formerly Republic Mortgage Insurance Company of North Carolina, (together RMIC) into United Guaranty Residential Insurance Company (UGI). Effective June 1, 2025, all insurance policy servicing activities in connection with RMIC-insured loans are administered by UGI. |
| Servicing Notice – Advance Notice of Retirement of HomeSaver Solutions Network Workout Functionality | May 14, 2025- Fannie Mae is retiring the loan workout reporting and related functionality in HomeSaver Solutions™ Network (HSSN). HSSN Loss Mitigation workout reporting functionality will transition to Fannie Mae’s Servicing Management Default Underwriter™ (SMDU™) platform. All workout reporting activities will be managed by SMDU Case Management. Servicers currently utilizing HSSN must fully transition this activity to SMDU Case Management no later than Dec. 1, 2025. |
| Lender Letter LL-2025-01 Updates to the Foreclosure Time Frames and Compensatory Fee Allowable Delays Exhibit | April 9, 2025-At the direction of the Federal Housing Finance Agency (FHFA) and in alignment with Freddie Mac we are updating the time frames within which routine foreclosure proceedings must be completed in twenty-two jurisdictions. In addition, we are adding COVID-19 Foreclosure Moratorium and Forbearance as allowable delays, while removing Unemployment Forbearance. |
| Announcement SVC-2025-02 – Servicing Guide Update | April 9, 2025-The April Servicing Guide announcement includes clarification on how to calculate the remaining mortgage loan term for a Fannie Mae Flex Modification if the borrower has made additional principal payments, plus miscellaneous updates. |
| Announcement SVC-2025-01 – Servicing Guide Update | February 12, 2025-The February Servicing Guide update includes changes to information security, business continuity and incident response, as well as clarifications on shared equity. |
