Excess Attorney Fee - Cost Guidelines

Fannie Mae’s approval is required for all foreclosure or bankruptcy-related attorney fees and title costs that exceed the maximum allowable amount set forth in our Servicing Guide, Servicing Guide exhibits and related updates, or other Fannie Mae guidance.

AAA Matrix 

The AAA matrix provides state-specific excess fees/costs process guidelines and includes a process overview, as well as additional procedures and specific request requirements. The matrix references applicable Servicing Guide provisions and other policies. Fannie Mae requires the attorneys to submit all excess fee and title cost requests. Requests made by servicers will not be accepted.

Each matrix contains five sections:

  1. Allowable Fees/Costs
  2. Ineligible Excess Fees/Costs
  3. Standard Excess Fees
  4. Non-Standard Excess Fees
  5. Standard Excess Costs

Access to this information is provided to approved Fannie Mae seller/servicers.  To request access, contact your Technology Manager Administrator.

AAA matrix updates

All AAA matrices have been updated effective Dec. 16, 2020.  The release notes contain a detailed list of updates made by jurisdiction. Please review the appropriate jurisdiction-specific AAA matrix for additional details. Read the release notes.


AAA matrices are updated as needed and are dated accordingly, the most recent AAA matrix for each jurisdiction will be available on this site.