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 Attorney Authorization Approval (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.

The matrix contains four sections:

  1. Allowable Fees and Costs
  2. Standard Excess Fees and Costs
  3. Non-Standard Excess Fees
  4. Ineligible Excess Fees and Costs
AAA matrix updates

The AAA Matrix has been updated effective Sept. 22, 2021.  Updates are made as needed, and the most recent AAA Matrix will be available on this site. The release notes contain a detailed list of updates made by jurisdiction. Read the release notes.


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


Attorney Authorization Approval (AAA) Matrix
As of September 22, 2021, we have consolidated the 54 state AAA matrices into one overarching online document.