Chapter B8-7, Mortgage Electronic Registration System (MERS)
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(Published: September 04 2024)
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- Part A Doing Business with Fannie Mae
- Subpart A1, Approval Qualification
- Chapter A1-1, Application and Approval of Seller/Servicer
- A1-1-01, Application and Approval of Seller/Servicer
- Chapter A2-1, Contractual Obligations for Sellers/Servicers
- A2-1-01, Contractual Obligations for Sellers/Servicers
- A2-1-02, Nature of Mortgage Transaction
- A2-1-03, Indemnification for Losses
- A2-2-01, Representations and Warranties Overview
- A2-2-02, Delivery Information and Delivery-Option Specific Representations and Warranties
- A2-2-03, Document Warranties
- A2-2-04, Limited Waiver and Enforcement Relief of Representations and Warranties
- A2-2-05, Invalidation of Limited Waiver of Representations and Warranties
- A2-2-06, Representations and Warranties on Property Value
- A2-2-07, Life-of-Loan Representations and Warranties
- Section A2-3.1, Lender Breach of Contract
- A2-3.1-01, Lender Breach of Contract
- A2-3.1-02, Sanctions, Suspensions, and Terminations
- A2-3.2-01, Loan Repurchases and Make Whole Payments Requested by Fannie Mae
- A2-3.2-02, Enforcement Relief for Breaches of Certain Representations and Warranties Related to Underwriting and Eligibility
- A2-3.2-03, Remedies Framework
- A2-3.3-01, Compensatory Fees
- Section A2-4.1, Establishment, Ownership, and Retention of Loan Files and Records
- A2-4.1-01, Establishing Loan Files
- A2-4.1-02, Ownership and Retention of Loan Files and Records
- A2-4.1-03, Electronic Records, Signatures, and Transactions
- A2-4.1-04, Notarization Standards
- A2-5-01, Fannie Mae Trade Name and Trademarks
- Chapter A3-1, Fannie Mae’s Technology Products
- A3-1-01, Fannie Mae’s Technology Products
- A3-2-01, Compliance With Laws
- A3-2-02, Responsible Lending Practices
- A3-3-01, Outsourcing of Mortgage Processing and Third-Party Originations
- A3-3-02, Concurrent Servicing Transfers
- A3-3-03, Other Servicing Arrangements
- A3-3-04, Document Custodians
- A3-3-05, Custody of Mortgage Documents
- A3-4-01, Confidentiality of Information
- A3-4-02, Data Quality and Integrity
- A3-4-03, Preventing, Detecting, and Reporting Mortgage Fraud
- A3-5-01, Fidelity Bond and Errors and Omissions Coverage Provisions
- A3-5-02, Fidelity Bond Policy Requirements
- A3-5-03, Errors and Omissions Policy Requirements
- A3-5-04, Reporting Fidelity Bond and Errors and Omissions Events
- Chapter A4-1, Maintaining Seller/Servicer Eligibility: Overview
- A4-1-01, Maintaining Seller/Servicer Eligibility
- A4-1-02, Submission of Financial Statements and Reports
- A4-1-03, Report of Changes in the Seller/Servicer’s Organization
- A4-1-04, Submission of Irrevocable Limited Powers of Attorney
- Subpart B1, Loan Application Package
- Chapter B1-1, Application Package Documentation
- B1-1-01, Contents of the Application Package
- B1-1-02, Blanket Authorization Form
- B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns
- Chapter B2-1, Mortgage Eligibility
- Section B2-1.1, Occupancy Types
- B2-1.1-01, Occupancy Types
- B2-1.2-01, Loan-to-Value (LTV) Ratios
- B2-1.2-02, Combined Loan-to-Value (CLTV) Ratios
- B2-1.2-03, Home Equity Combined Loan-to-Value (HCLTV) Ratios
- B2-1.2-04, Subordinate Financing
- B2-1.3-01, Purchase Transactions
- B2-1.3-02, Limited Cash-Out Refinance Transactions
- B2-1.3-03, Cash-Out Refinance Transactions
- B2-1.3-04, Prohibited Refinancing Practices
- B2-1.3-05, Payoff of Installment Land Contract Requirements
- B2-1.4-01, Fixed-Rate Loans
- B2-1.4-02, Adjustable-Rate Mortgages (ARMs)
- B2-1.4-03, Convertible ARMs
- B2-1.4-04, Temporary Interest Rate Buydowns
- B2-1.5-01, Loan Limits
- B2-1.5-02, Loan Eligibility
- B2-1.5-03, Legal Requirements
- B2-1.5-04, Escrow Accounts
- B2-1.5-05, Principal Curtailments
- B2-2-01, General Borrower Eligibility Requirements
- B2-2-02, Non–U.S. Citizen Borrower Eligibility Requirements
- B2-2-03, Multiple Financed Properties for the Same Borrower
- B2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction
- B2-2-05, Inter Vivos Revocable Trusts
- B2-2-06, Homeownership Education and Housing Counseling
- B2-2-07, First-Generation Homebuyer Loans
- B2-3-01, General Property Eligibility
- B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing
- B2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates
- B2-3-04, Special Property Eligibility Considerations
- B2-3-05, Properties Affected by a Disaster
- Chapter B3-1, Manual Underwriting
- B3-1-01, Comprehensive Risk Assessment
- B3-2-01, General Information on DU
- B3-2-02, DU Validation Service
- B3-2-03, Risk Factors Evaluated by DU
- B3-2-04, DU Documentation Requirements
- B3-2-05, Approve/Eligible Recommendations
- B3-2-06, Approve/Ineligible Recommendations
- B3-2-07, Refer with Caution Recommendations
- B3-2-08, Out of Scope Recommendations
- B3-2-09, Erroneous Credit Report Data
- B3-2-10, Accuracy of DU Data, DU Tolerances, and Errors in the Credit Report
- B3-2-11, DU Underwriting Findings Report
- Section B3-3.1, Employment and Other Sources of Income
- B3-3.1-01, General Income Information
- B3-3.1-02, Standards for Employment Documentation
- B3-3.1-03, Base Pay (Salary or Hourly), Bonus, and Overtime Income
- B3-3.1-04, Commission Income
- B3-3.1-05, Secondary Employment Income (Second Job and Multiple Jobs) and Seasonal Income
- B3-3.1-06, Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form 4506-C
- B3-3.1-07, Verbal Verification of Employment
- B3-3.1-08, Rental Income
- B3-3.1-09, Other Sources of Income
- B3-3.1-10, Income Calculator
- B3-3.2-01, Underwriting Factors and Documentation for a Self-Employed Borrower
- B3-3.2-02, Business Structures
- B3-3.2-03, IRS Forms Quick Reference
- B3-3.3-01, General Information on Analyzing Individual Tax Returns
- B3-3.3-02, Income Reported on IRS Form 1040
- B3-3.3-03, Income or Loss Reported on IRS Form 1040, Schedule C
- B3-3.3-04, Income or Loss Reported on IRS Form 1040, Schedule D
- B3-3.3-05, Income or Loss Reported on IRS Form 1040, Schedule E
- B3-3.3-06, Income or Loss Reported on IRS Form 1040, Schedule F
- B3-3.3-07, Income or Loss Reported on IRS Form 1065 or IRS Form 1120S, Schedule K-1
- B3-3.4-01, Analyzing Partnership Returns for a Partnership or LLC
- B3-3.4-02, Analyzing Returns for an S Corporation
- B3-3.4-03, Analyzing Returns for a Corporation
- B3-3.4-04, Analyzing Profit and Loss Statements
- B3-3.5-01, Income and Employment Documentation for DU
- B3-3.5-02, Income from Rental Property in DU
- Section B3-4.1, General Asset Requirements
- B3-4.1-01, Minimum Reserve Requirements
- B3-4.1-02, Interested Party Contributions (IPCs)
- B3-4.1-03, Types of Interested Party Contributions (IPCs)
- B3-4.1-04, Virtual Currency
- B3-4.2-01, Verification of Deposits and Assets
- B3-4.2-02, Depository Accounts
- B3-4.2-03, Individual Development Accounts
- B3-4.2-04, Pooled Savings (Community Savings Funds)
- B3-4.2-05, Foreign Assets
- B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds
- B3-4.3-02, Trust Accounts
- B3-4.3-03, Retirement Accounts
- B3-4.3-04, Personal Gifts
- B3-4.3-05, Gifts of Equity
- B3-4.3-06, Grants and Lender Contributions
- B3-4.3-07, Disaster Relief Grants or Loans
- B3-4.3-08, Employer Assistance
- B3-4.3-09, Earnest Money Deposit
- B3-4.3-10, Anticipated Sales Proceeds
- B3-4.3-11, Trade Equity
- B3-4.3-12, Rent-Related Credits
- B3-4.3-13, Sweat Equity
- B3-4.3-14, Bridge/Swing Loans
- B3-4.3-15, Borrowed Funds Secured by an Asset
- B3-4.3-16, Credit Card Financing and Reward Points
- B3-4.3-17, Personal Unsecured Loans
- B3-4.3-18, Sale of Personal Assets
- B3-4.3-19, Cash Value of Life Insurance
- B3-4.3-20, Anticipated Savings and Cash-on-Hand
- B3-4.3-21, Borrower's Earned Real Estate Commission
- B3-4.4-01, DU Asset Verification
- B3-4.4-02, Requirements for Certain Assets in DU
- Section B3-5.1, Credit Scores
- B3-5.1-01, General Requirements for Credit Scores
- B3-5.1-02, Determining the Credit Score for a Mortgage Loan
- B3-5.2-01, Requirements for Credit Reports
- B3-5.2-02, Types of Credit Reports
- B3-5.2-03, Accuracy of Credit Information in a Credit Report
- B3-5.3-01, Number and Age of Accounts
- B3-5.3-02, Payment History
- B3-5.3-03, Previous Mortgage Payment History
- B3-5.3-04, Inquiries: Recent Attempts to Obtain New Credit
- B3-5.3-05, Credit Utilization
- B3-5.3-06, Authorized Users of Credit
- B3-5.3-07, Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit
- B3-5.3-08, Extenuating Circumstances for Derogatory Credit
- B3-5.3-09, DU Credit Report Analysis
- B3-5.4-01, Eligibility Requirements for Loans with Nontraditional Credit
- B3-5.4-02, Number and Types of Nontraditional Credit References
- B3-5.4-03, Documentation and Assessment of a Nontraditional Credit History
- B3-6-01, General Information on Liabilities
- B3-6-02, Debt-to-Income Ratios
- B3-6-03, Monthly Housing Expense for the Subject Property
- B3-6-04, Qualifying Payment Requirements
- B3-6-05, Monthly Debt Obligations
- B3-6-06, Qualifying Impact of Other Real Estate Owned
- B3-6-07, Debts Paid Off At or Prior to Closing
- B3-6-08, DU: Requirements for Liability Assessment
- Chapter B4-1, Property Assessment and Valuation
- Section B4-1.1, General Appraisal Requirements
- B4-1.1-01, Definition of Market Value
- B4-1.1-02, Lender Responsibilities
- B4-1.1-03, Appraiser Selection Criteria
- B4-1.1-04, Unacceptable Appraisal Practices
- B4-1.1-05, Disclosure of Information to Appraisers
- B4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP)
- B4-1.2-01, Appraisal Report Forms and Exhibits
- B4-1.2-02, Desktop Appraisals
- B4-1.2-03, Hybrid Appraisals
- B4-1.2-04, Appraisal Age and Use Requirements
- B4-1.2-05, Requirements for Verifying Completion and Postponed Improvements
- B4-1.3-01, Review of the Appraisal Report
- B4-1.3-02, Subject and Contract Sections of the Appraisal Report
- B4-1.3-03, Neighborhood Section of the Appraisal Report
- B4-1.3-04, Site Section of the Appraisal Report
- B4-1.3-05, Improvements Section of the Appraisal Report
- B4-1.3-06, Property Condition and Quality of Construction of the Improvements
- B4-1.3-07, Sales Comparison Approach Section of the Appraisal Report
- B4-1.3-08, Comparable Sales
- B4-1.3-09, Adjustments to Comparable Sales
- B4-1.3-10, Cost and Income Approach to Value
- B4-1.3-11, Valuation Analysis and Reconciliation
- B4-1.3-12, Appraisal Quality Matters
- B4-1.4-01, Factory-Built Housing: Manufactured Housing
- B4-1.4-02, Factory-Built Housing: Modular, Prefabricated, Panelized, or Sectional Housing
- B4-1.4-03, Condo Appraisal Requirements
- B4-1.4-04, Co-op Appraisal Requirements
- B4-1.4-05, Leasehold Interests Appraisal Requirements
- B4-1.4-06, Community Land Trust Appraisal Requirements
- B4-1.4-07, Mixed-Use Property Appraisal Requirements
- B4-1.4-08, Environmental Hazards Appraisal Requirements
- B4-1.4-09, Special Assessment or Community Facilities Districts Appraisal Requirements
- B4-1.4-10, Value Acceptance (Appraisal Waiver)
- B4-1.4-11, Value Acceptance + Property Data
- Section B4-2.1, General Project Standards
- B4-2.1-01, General Information on Project Standards
- B4-2.1-02, Waiver of Project Review
- B4-2.1-03, Ineligible Projects
- B4-2.1-04, Environmental Hazard Assessments
- B4-2.1-05, Unacceptable Environmental Hazards
- B4-2.1-06, Remedial Actions for Environmental Hazard Assessments Below Standards
- B4-2.2-01, Limited Review Process
- B4-2.2-02, Full Review Process
- B4-2.2-03, Full Review: Additional Eligibility Requirements for Units in New and Newly Converted Condo Projects
- B4-2.2-04, Geographic-Specific Condo Project Considerations
- B4-2.2-05, FHA-Approved Condo Review Eligibility
- B4-2.2-06, Project Eligibility Review Service (PERS)
- B4-2.2-07, Projects with Special Considerations and Project Eligibility Waivers
- B4-2.3-01, Eligibility Requirements for Units in PUD Projects
- B4-2.3-02, Co-op Project Eligibility
- B4-2.3-03, Legal Requirements for Co-op Projects
- B4-2.3-04, Loan Eligibility for Co-op Share Loans
- B4-2.3-05, Geographic-Specific Co-op Project Considerations
- Chapter B5-1, High-Balance Mortgage Loans
- B5-1-01, High-Balance Mortgage Loan Eligibility and Underwriting
- B5-1-02, High-Balance Pricing, Mortgage Insurance, Special Feature Codes, and Delivery Limitations
- B5-2-01, Manufactured Housing
- B5-2-02, Manufactured Housing Loan Eligibility
- B5-2-03, Manufactured Housing Underwriting Requirements
- B5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan Delivery Requirements
- B5-2-05, Manufactured Housing Legal Considerations
- Section B5-3.1, Conversion of Construction-to-Permanent Financing
- B5-3.1-01, Conversion of Construction-to-Permanent Financing: Overview
- B5-3.1-02, Conversion of Construction-to-Permanent Financing: Single-Closing Transactions
- B5-3.1-03, Conversion of Construction-to-Permanent Financing: Two-Closing Transactions
- B5-3.2-01, HomeStyle Renovation Mortgages
- B5-3.2-02, HomeStyle Renovation Mortgages: Loan and Borrower Eligibility
- B5-3.2-03, HomeStyle Renovation Mortgages: Collateral Considerations
- B5-3.2-04, HomeStyle Renovation Mortgages: Costs and Escrow Accounts
- B5-3.2-05, HomeStyle Renovation Mortgages: Completion Certification
- B5-3.2-06, HomeStyle Renovation: Renovation Contract, Renovation Loan Agreement, and Lien Waiver
- B5-3.3-01, HomeStyle Energy for Improvements on Existing Properties
- B5-3.4-01, Property Assessed Clean Energy Loans
- Section B5-4.1, General Requirements of Texas Section 50(a)(6) Loans
- B5-4.1-01, Texas Section 50(a)(6) Loans
- B5-4.1-02, Texas Section 50(a)(6) Loan Eligibility
- B5-4.1-03, Texas Section 50(a)(6) Loan Underwriting, Collateral, and Closing Considerations
- B5-4.1-04, Texas Section 50(a)(6) Loan Delivery and Servicing Considerations
- B5-4.2-01, Native American Conventional Lending Initiative (NACLI)
- B5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities
- B5-4.2-03, Loans Secured by HomePath Properties
- Section B5-5.1, Community Seconds
- B5-5.1-01, Community Seconds Loans
- B5-5.1-02, Community Seconds Loan Eligibility
- B5-5.1-03, Community Seconds: Shared Appreciation Transactions
- B5-5.2-01, Loans With Resale Restrictions: General Information
- B5-5.2-02, Loans with Resale Restrictions: Eligibility, Collateral and Delivery Requirements
- B5-5.3-01, Shared Equity Overview
- B5-5.3-02, Shared Equity Transactions: General Requirements
- B5-5.3-03, Shared Equity Transactions: Eligibility, Underwriting and Collateral Requirements
- B5-5.3-04, Massachusetts Resale Restriction Loan Eligibility Requirements
- B5-7-01, High LTV Refinance Loan and Borrower Eligibility
- B5-7-02, High LTV Refinance Underwriting, Documentation, and Collateral Requirements for the New Loan
- B5-7-03, High LTV Refinance Alternative Qualification Path
- B5-7-04, High LTV Refinance Representations and Warranties
- B5-7-05, High LTV Refinance Pricing, Mortgage Insurance, and Special Feature Codes
- Chapter B6-1, Government Insured and Guaranteed Mortgages
- B6-1-01, General Government Mortgage Loan Requirements
- B6-1-02, Eligible FHA-Insured Mortgage Loans
- B6-1-03, Eligible VA-Guaranteed Mortgages
- B6-1-04, Eligible HUD-Guaranteed Section 184 Mortgages
- B6-1-05, Eligible RD-Guaranteed Mortgages
- Chapter B7-1, Mortgage Insurance/Loan Guaranty
- B7-1-01, Provision of Mortgage Insurance
- B7-1-02, Mortgage Insurance Coverage Requirements
- B7-1-03, Lender-Purchased Mortgage Insurance
- B7-1-04, Financed Borrower-Purchased Mortgage Insurance
- B7-1-05, Government Mortgage Loan Guaranty or Insurance
- B7-2-01, Provision of Title Insurance
- B7-2-02, Title Insurer Requirements
- B7-2-03, General Title Insurance Coverage
- B7-2-04, Special Title Insurance Coverage Considerations
- B7-2-05, Title Exceptions and Impediments
- B7-2-06, Attorney Title Opinion Letter Requirements
- B7-3-01, General Property Insurance Requirements for All Property Types
- B7-3-02, Property Insurance Requirements for One-to Four-Unit Properties
- B7-3-03, Master Property Insurance Requirements for Project Developments
- B7-3-04, Individual Property Insurance Requirements for a Unit in a Project Development
- B7-3-05, Additional Insurance Requirements
- B7-3-06, Flood Insurance Requirements for All Property Types
- B7-3-07, Evidence of Property Insurance
- B7-3-08, Mortgagee Clause, Named Insured, and Notice of Cancellation Requirements
- B7-4-01, General Liability Insurance Requirements for Project Developments
- B7-4-02, Fidelity/Crime Insurance Requirements for Project Developments
- Chapter B8-1, General Information on Legal Documents
- B8-1-01, Publication of Legal Documents
- B8-2-01, Security Instruments for Conventional Mortgages
- B8-2-02, Special-Purpose Security Instruments
- B8-2-03, Signature Requirements for Security Instruments
- B8-3-01, Notes for Conventional Mortgages
- B8-3-02, Special Note Provisions and Language Requirements
- B8-3-03, Signature Requirements for Notes
- B8-3-04, Note Endorsement
- B8-4-01, Riders and Addenda
- B8-5-01, General Information on Special-Purpose Legal Documents
- B8-5-02, Inter Vivos Revocable Trust Mortgage Documentation and Signature Requirements
- B8-5-03, HomeStyle Renovation Mortgage Documentation Requirements
- B8-5-04, Sample Legal Documents
- B8-5-05, Requirements for Use of a Power of Attorney
- B8-6-01, Authorized Use of Intervening and Blanket Assignments
- B8-7-01, Mortgage Electronic Registration Systems (MERS), Inc.
- B8-8-01, General Information on eMortgages
- B8-8-02, Requirements for Creating, Closing, and Correcting eNotes
- Subpart C1, General Information on Execution Options and Loan Delivery
- Chapter C1-1, Execution Options Overview
- C1-1-01, Execution Options
- C1-2-01, General Information on Delivering Loan Data and Documents
- C1-2-02, Loan Data and Documentation Delivery Requirements
- C1-2-03, Ownership of Mortgage Loans Prior to Purchase or Securitization and Third-Party Security Interests
- C1-2-04, Delivering eMortgages to Fannie Mae
- C1-2-05, Delivering Green MBS to Fannie Mae
- C1-2-06, Bailee Letters
- C1-3-01, General Information on Remittance Types
- Chapter C2-1, Mandatory and Best Efforts Commitments to Sell Whole Loans
- Section C2-1.1, Mandatory Commitments to Sell Whole Loans
- C2-1.1-01, Mandatory Commitment Process
- C2-1.1-02, General Information about Mandatory Commitment Pricing and Fees
- C2-1.1-03, Mandatory Commitment Terms, Amounts, Periods and Other Requirements
- C2-1.1-04, Mandatory Commitment Extensions and Pair-Offs
- C2-1.1-05, Servicing Fees
- C2-1.1-06, Accrued Interest Payments for Regularly Amortizing Mortgages
- C2-1.1-07, Standard ARM and Converted ARM Resale Commitments
- C2-1.2-01, Best Efforts Commitment Process
- C2-1.2-02, Best Efforts Commitment Pricing, Periods, and Fees
- C2-1.2-03, Best Efforts Commitment Terms, Amounts, and Other Requirements
- C2-1.3-01, Servicing Marketplace
- C2-2-01, General Requirements for Good Delivery of Whole Loans
- C2-2-02, Documentation Requirements for Whole Loan Deliveries
- C2-2-03, General Information on Whole Loan Purchasing Policies
- C2-2-04, Timing of Distribution of Whole Loan Purchase Proceeds
- C2-2-05, Whole Loan Purchasing Process
- C2-2-06, Authorization to Transfer Funds
- C2-2-07, Purchase Payee Codes
- Chapter C3-1, MBS Program Overview
- C3-1-01, General Information About Fannie Mae’s MBS Program
- C3-1-02, Preparing to Pool Loans into MBS
- C3-2-01, Determining Eligibility for Loans Pooled into MBS
- C3-2-02, Selecting a Servicing Option
- C3-2-03, MBS Remittance Type and Selecting a Remittance Cycle
- C3-2-04, Mandatory MBS Commitments
- C3-3-01, Determining and Remitting Guaranty Fees
- C3-3-02, Accessing Buyup and Buydown Ratios and Calculating Payments or Charges
- C3-3-03, Buying Up and Buying Down the Guaranty Fee for MBS
- C3-4-01, Term-Related Fixed-Rate Mortgage Pooling Parameters
- C3-5-01, Creating Weighted-Average ARM MBS
- C3-5-02, Calculating the Weighted-Average Pool Accrual Rates for ARM Flex Pools Using a Fixed MBS Margin
- C3-5-03, Calculating the Weighted-Average Pool Accrual Rates for ARM Flex Pools Using a Weighted-Average MBS Margin
- C3-5-04, Pooling ARMs with a Conversion Option
- C3-5-05, Commingling ARMs in MBS
- C3-6-01, Parameters for Pooling Loans Into Fannie Majors
- C3-7-01, Establishing an MBS Trading Account
- C3-7-02, Initiating an MBS Sale
- C3-7-03, Making Good Delivery
- C3-7-04, Delivering MBS Pool Data and Documents
- C3-7-05, Confirming Presettlement Information
- C3-7-06, Settling the Trade
- C3-7-07, Sale of Fannie Mae Securities to Third Parties
- Subpart D1, Lender QC Process
- Chapter D1-1, Lender Quality Control Process
- D1-1-01, Lender Quality Control Programs, Plans, and Processes
- D1-1-02, Lender Quality Control Staffing and Outsourcing of the Quality Control Process
- D1-2-01, Lender Prefunding Quality Control Review Process
- D1-3-01, Lender Post-Closing Quality Control Review Process
- D1-3-02, Lender Post-Closing Quality Control Review of Approval Conditions, Underwriting Decisions, and Documentation
- D1-3-03, Lender Post-Closing Quality Control Review of Data Integrity
- D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data Collection
- D1-3-05, Lender Post-Closing Quality Control Review of Closing Documents
- D1-3-06, Lender Post-Closing Quality Control Reporting, Record Retention, and Audit
- Chapter D2-1, General Information on Fannie Mae QC Process
- D2-1-01, General Information on Fannie Mae QC Reviews
- D2-1-02, Fannie Mae QC File Request and Submission Requirements
- D2-1-03, Outcomes of Fannie Mae QC Reviews
- D2-1-04, Identifying and Remedying Origination Defects Under the Remedies Framework
- Chapter E-1, Selling Guide Resources
- E-1-01, References to Fannie Mae's Website
- E-1-02, List of Contacts
- E-1-03, List of Lender Contracts
- E-2-01, Required Custodial Documents
- E-2-02, Suggested Format for Phase I Environmental Hazard Assessments
- E-2-03, Revocable Trust Rider (Sample Language)
- E-2-04, Signature Requirements for Mortgages to Inter Vivos Revocable Trusts
- E-2-05, Servicing Marketplace — Mortgage Loan Servicing Purchase and Sale Agreement
- E-2-06, Correcting Errors in eNotes
- E-2-07, Description of eNote Header, Footer, and eNote Clause
- E-3-01, Acronyms and Glossary of Defined Terms: A
- E-3-02, Acronyms and Glossary of Defined Terms: B
- E-3-03, Acronyms and Glossary of Defined Terms: C
- E-3-04, Acronyms and Glossary of Defined Terms: D
- E-3-05, Acronyms and Glossary of Defined Terms: E
- E-3-06, Acronyms and Glossary of Defined Terms: F
- E-3-07, Acronyms and Glossary of Defined Terms: G
- E-3-08, Acronyms and Glossary of Defined Terms: H
- E-3-09, Acronyms and Glossary of Defined Terms: I
- E-3-10, Acronyms and Glossary of Defined Terms: J
- E-3-11, Acronyms and Glossary of Defined Terms: K
- E-3-12, Acronyms and Glossary of Defined Terms: L
- E-3-13, Acronyms and Glossary of Defined Terms: M
- E-3-14, Acronyms and Glossary of Defined Terms: N
- E-3-15, Acronyms and Glossary of Defined Terms: O
- E-3-16, Acronyms and Glossary of Defined Terms: P
- E-3-17, Acronyms and Glossary of Defined Terms: Q
- E-3-18, Acronyms and Glossary of Defined Terms: R
- E-3-19, Acronyms and Glossary of Defined Terms: S
- E-3-20, Acronyms and Glossary of Defined Terms: T
- E-3-21, Acronyms and Glossary of Defined Terms: U
- E-3-22, Acronyms and Glossary of Defined Terms: V
- E-3-23, Acronyms and Glossary of Defined Terms: W
- E-3-24, Acronyms and Glossary of Defined Terms: X
- E-3-25, Acronyms and Glossary of Defined Terms: Y
- E-3-26, Acronyms and Glossary of Defined Terms: Z
