E-3.1-01, General Servicing Requirements Related to Foreclosure Proceedings (11/12/2014)

Absent any restrictive language, the same policy or requirement applies for all mortgage loans Fannie Mae has purchased or securitized as standard transactions.

Occasionally, Fannie Mae may address the need for a special servicing option MBS mortgage loan to be handled in a different manner than other mortgage loans serviced for Fannie Mae. Under no circumstances should the servicer of a regular servicing option MBS mortgage loan interpret the content of this chapter as relieving it of its responsibilities and obligations for conducting the foreclosure proceedings and disposing of the acquired property, including the absorption of all costs and any related losses.

Recent Related Announcements

There are no recently issued Announcements related to this topic.

Ask Poli

Have questions?

Get answers to your policy and guide questions, straight from the source.

Work with Fannie Mae

Customer Login
Password Reset
Not a customer? Get Started

Products & Solutions

Mortgage Products & Options
Technology Apps & Solutions

Support & Resources

Customer Service
News & Events
Learning Center
Guide Forms

Other Sites

The Marketing Center
Fannie Mae's Consumer Website
Duty to Serve
Homepath

Download PDF Guide

(Published: July 10 2024 )

Servicing Questions? Ask Poli

Get answers to your Guide & policy questions with Fannie Mae's AI-powered search tool.

Guide Resources

Forms, announcements, lender letters, notices, and more.

Browse the Guide

Part A Doing Business with Fannie Mae
- Subpart A1, Contractual Obligations
  - Chapter A1-1, Understanding the Lender Contract
    - A1-1-01, Application and Approval of Seller/Servicer
    - A1-1-02, Representation and Warranty Requirements
    - A1-1-03, Evaluating a Servicer’s Performance
    - A1-2-01, Servicer’s Termination of the Lender Contract
    - A1-2-02, Fannie Mae’s Termination of the Lender Contract without Cause
    - A1-3-01, Requirements for Voluntary Repurchase
    - A1-3-02, Fannie Mae-Initiated Repurchases, Indemnifications, Make Whole Payment Requests and Deferred Payment Obligations
    - A1-3-03, Repurchase Obligations Related to Bifurcated Mortgage Loans
    - A1-3-04, Reporting the Repurchase
    - A1-3-05, Redelivering a Mortgage Loan
    - A1-3-06, Automatic Reclassification of MBS Mortgage Loans
    - Section A1-4.1, Remedies Available to Fannie Mae
      - A1-4.1-01, Defining a Breach of Contract
      - A1-4.1-02, Fannie Mae’s Remedies
      - A1-4.2-01, Compensatory Fees Other Than Delays in the Liquidation Process
      - A1-4.2-02, Compensatory Fees for Delays in the Liquidation Process
      - Chapter A2-1, Servicer Duties and Responsibilities
        
        A2-1-01, General Servicer Duties and Responsibilities
        
        A2-1-02, Servicer’s Duties and Responsibilities Related to MBS Mortgage Loans
        
        A2-1-03, Servicer's Duties and Responsibilities Related to Mortgage Loans with Resale Restrictions or Shared Equity Transactions
        
        A2-1-04, Execution of Legal Documents
        
        A2-1-05, Note Holder Status for Legal Proceedings Conducted in the Servicer’s Name
        
        A2-1-06, Use of Fannie Mae Trademarks
        
        A2-1-07, Subservicing
        
        A2-1-08, First Lien Mortgage Loan Requirements
        
        A2-1-09, Compliance with Requirements and Laws
        
        A2-2-01, Refinance and Lending Practices
        
        A2-3-01, Servicer Compensation
        
        A2-3-02, Servicing Fees for Portfolio and MBS Mortgage Loans
        
        A2-3-03, Yield Differential Adjustments
        
        A2-3-04, Late Charges as Compensation
        
        A2-3-05, Fees for Certain Servicing Activities
        
        A2-3-06, Prepayment Premiums
        
        A2-4-01, Quality Control Reviews
        
        A2-5-01, Ownership and Retention of Individual Mortgage Loan Files and Records
        
        A2-6-01, Custodial Documents
        
        A2-7-01, Concurrent Servicing Transfers
        
        A2-7-02, Pledge of Servicing Rights and Transfer of Interest in Servicing Income
        
        A2-7-03, Post-Delivery Servicing Transfers
        
        A2-8-01, Mortgage Electronic Registration System
        
        A2-9-01, General Requirements
        
        A2-9-02, Special Provision for Puerto Rico
        
        Chapter A3-1, Maintaining Fannie Mae Seller/Servicer Status
        
        A3-1-01, Maintaining Fannie Mae Seller/Servicer Status
        
        Chapter A4-1, Establishing and Implementing Internal Operations for All Mortgage Loans and Acquired Properties
        
        A4-1-01, Staffing, Training, Procedures, and Quality Control Requirements
        
        A4-1-02, Establishing Custodial Bank Accounts
        
        A4-1-03, Addressing Borrower Inquiries and Disputes
        
        Section A4-2.1, Establishing Default Management Strategies
        
        A4-2.1-01, Preventing Defaults and Managing Delinquencies
        
        A4-2.1-02, Property Inspection Vendor Management and Oversight
        
        A4-2.1-03, Managing Short Sales
        
        A4-2.1-04, Establishing Contact with the Borrower
        
        A4-2.1-05, Requirements for Collection and Foreclosure Prevention Strategies Unique to Second Lien Mortgage Loans
        
        A4-2.1-06, Adverse Action Notification Certification
        
        A4-2.1-07, Servicer's Duties and Responsibilities Related to Mortgage Loans with an Outstanding Non-Interest-Bearing Balance
        
        A4-2.2-01, Selecting and Retaining Law Firms
        
        A4-2.2-02, Law Firm Management and Oversight
        
        A4-2.2-03, Prohibition Against Servicer-Specified Vendors for Fannie Mae Referrals, Use of Vendors, and Outsourcing Companies
        
        A4-2.2-04, Law Firm Suspensions, Matter Transfers, and Terminations
        
        Chapter B-1, Escrow Account Administration
        
        B-1-01, Administering an Escrow Account and Paying Expenses
        
        B-2-01, Property Insurance Requirements Applicable to All Property Types
        
        B-2-02, Property Insurance Requirements for One- to Four-Unit Properties
        
        B-2-03, Master Property Insurance Requirements for Project Developments
        
        B-2-04, Individual Property Insurance Requirements for Units in Project Developments
        
        B-3-01, Flood Insurance Requirements Applicable to All Property Types
        
        B-4-01, Additional Insurance Requirements
        
        B-5-01, Insured Loss Events
        
        B-5-02, Uninsured Loss Events
        
        B-6-01, Lender-Placed Insurance Requirements
        
        B-7-01, General Liability Insurance Requirements for Project Developments
        
        B-7-02, Fidelity/Crime Insurance Requirements for Project Developments
        
        Section B-8.1, Conventional Mortgage Insurance Requirements
        
        B-8.1-01, Conventional Mortgage Insurance Servicer Responsibilities
        
        B-8.1-02, Paying Conventional Mortgage Insurance Premiums
        
        B-8.1-03, Replacing Conventional Mortgage Insurance Policies
        
        B-8.1-04, Termination of Conventional Mortgage Insurance
        
        B-8.2-01, FHA Mortgage Insurance Coverage Requirements
        
        B-8.2-02, Conversion of FHA Coinsured Mortgage Loans to Full Insurance
        
        B-8.2-03, Termination or Cancellation of FHA Mortgage Insurance and FHA Mortgage Insurance Premium
        
        Chapter C-1, Processing Mortgage Loan Payments
        
        Section C-1.1, Processing Scheduled Mortgage Loan Payments
        
        C-1.1-01, Servicer Responsibilities for Processing Mortgage Loan Payments
        
        C-1.1-02, Processing Payment Shortages or Funds Received When a Mortgage Loan Modification Is Pending
        
        C-1.1-03, Automatically Drafting Payments from the Borrower’s Bank Account
        
        C-1.1-04, Accepting Biweekly Payments from Third-Party Payment Contractors
        
        C-1.2-01, Processing Additional Principal Payments
        
        C-1.2-02, Processing Short Sale Proceeds
        
        C-1.2-03, Processing Payments in Full
        
        C-1.2-04, Satisfying the Mortgage Loan and Releasing the Lien
        
        C-1.2-05, Charging for a Release of Lien
        
        Section C-2.1, Processing ARM Loan Payments
        
        C-2.1-01, Responsibilities for ARM Loan Servicing
        
        C-2.1-02, Notifying the Borrower Regarding Interest Rate and/or Payment Changes
        
        C-2.2-01, Identifying and Disclosing Adjustment Errors
        
        C-2.2-02, Assuming Responsibility for Conversion Notice Errors
        
        C-2.2-03, Determining Whether to Provide a Refund or Credit for Overcharges
        
        C-2.3-01, Processing ARM Conversions to Fixed Rate Mortgage Loans
        
        C-2.3-02, Notifying Fannie Mae of Conversions for Portfolio Mortgage Loans
        
        C-2.3-03, Repurchasing Converted MBS Mortgage Loans and Redelivering Them to Fannie Mae
        
        C-3-01, Responsibilities Related to Remitting P&I Funds to Fannie Mae
        
        C-3-02, Remitting Payoff Proceeds
        
        Section C-4.1, Credit Bureau Reporting Requirements
        
        C-4.1-01, Notifying Credit Repositories
        
        C-4.2-01, Filing IRS Forms
        
        C-4.3-01, Servicer Responsibilities Related to Investor Reporting
        
        Subpart D1, Assisting the Borrower with Property-Related Issues and Legal Actions
        
        Chapter D1-1, Requests for the Release of Property and/or Charge-Off of a Mortgage Loan
        
        D1-1-01, Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan
        
        D1-1-02, Evaluating a First Lien Mortgage Loan for Charge-Off and Release of Lien
        
        D1-1-03, Evaluating a Second Lien Mortgage Charge-Off
        
        D1-2-01, Renovation Mortgage Loans
        
        D1-3-01, Evaluating the Impact of a Disaster Event and Assisting a Borrower
        
        Section D1-4.1, Information Relating to Transfers of Ownership Applicable to All Mortgage Loans
        
        D1-4.1-01, Determining Whether a Transfer of Ownership Is Permitted
        
        D1-4.1-02, Allowable Exemptions Due to the Type of Transfer
        
        D1-4.1-03, Allowable Exceptions Due to State Law Restrictions (“Window-Period” Mortgage Loans)
        
        D1-4.1-04, Transfers of Ownership by Grant Deed
        
        D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer) Provision
        
        D1-4.2-01, Conventional Mortgage Loans that Do Not Include a Due-on-Sale (or Due-on-Transfer) Provision
        
        D1-4.2-02, Conventional Mortgage Loans That Include a Due- on-Sale (or Due-on-Transfer) Provision
        
        D1-4.3-01, Transfers of Ownership on FHA and VA Mortgage Loans
        
        D1-4.3-02, Transfers of Ownership on RD Mortgage Loans
        
        D1-5-01, Call Options and Cross-Default Provisions
        
        D1-6-01, Requesting to Waive Certain Rights under the Mortgage Loan
        
        D1-6-02, Handling Notices of Liens, Legal Action, Other Actions Impacting Fannie Mae’s Interest
        
        D1-6-03, Handling Property Forfeitures and Seizures
        
        Chapter D2-1, Working with a Borrower Who is Facing Default
        
        D2-1-01, Determining if the Borrower’s Mortgage Payment is in Imminent Default
        
        D2-2-01, Achieving Quality Right Party Contact with a Borrower
        
        D2-2-02, Outbound Contact Attempt Requirements
        
        D2-2-03, Sending a Payment Reminder Notice
        
        D2-2-04, Sending a Borrower a Solicitation Package for a Workout Option
        
        D2-2-05, Receiving a Borrower Response Package
        
        D2-2-06, Sending a Breach or Acceleration Letter
        
        D2-2-07, Resolving an Appeal of a Mortgage Loan Modification Trial Period Plan Denial for a Principal Residence
        
        D2-2-08, Interviewing Face-to-Face with a Borrower for Certain FHA and HUD Mortgage Loans
        
        D2-2-09, Additional Borrower Contact Requirements for the Servicer of a Second Lien Mortgage Loan
        
        D2-2-10, Requirements for Performing Property Inspections
        
        Section D2-3.1, Preparing to Implement a Home Retention or Liquidation Workout Option
        
        D2-3.1-01, Determining the Appropriate Workout Option
        
        D2-3.1-02, Conditions of a First and Second Lien Mortgage Loan Modification for an MBS Mortgage Loan
        
        D2-3.1-03, Working with a Borrower that has a Group Home Mortgage Loan
        
        D2-3.1-04, Offering a Workout Option When Also Servicing a Subordinate Lien Mortgage Loan
        
        D2-3.1-05, Interacting with Mortgage Assistance Fund Program Providers
        
        D2-3.1-06, Notifying Fannie Mae of Lead-Based Paint Citations
        
        D2-3.2-01, Forbearance Plan
        
        D2-3.2-02, Repayment Plan
        
        D2-3.2-03, Government Mortgage Loan Modifications
        
        D2-3.2-04, Payment Deferral
        
        D2-3.2-05, Disaster Payment Deferral
        
        D2-3.2-06, Fannie Mae Flex Modification
        
        D2-3.3-01, Fannie Mae Short Sale
        
        D2-3.3-02, Fannie Mae Mortgage Release (Deed-in-Lieu of Foreclosure)
        
        D2-3.4-01, Military Indulgence
        
        D2-3.4-02, Offering a Mortgage Release (Deed-in-Lieu of Foreclosure) for a Second Lien Mortgage Loan
        
        D2-3.4-03, Assignment of a Mortgage Loan to the Insurer or Guarantor
        
        D2-3.4-04, Qualifying Mortgage Assumption Workout Option
        
        D2-4-01, Reporting a Delinquent Mortgage Loan to Fannie Mae
        
        D2-4-02, Reporting a Workout Option to Fannie Mae
        
        D2-4-03, Reporting Certain Workout Options to Treasury
        
        Chapter E-1, Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms
        
        Section E-1.1, Referring a Mortgage Loan to a Law Firm
        
        E-1.1-01, General Requirements for Referring a Mortgage Loan to a Law Firm
        
        E-1.1-02, Required Referral Documents
        
        E-1.1-03, Required Referral Data
        
        E-1.2-01, Timing of the Bankruptcy Referral
        
        E-1.2-02, Timing of the Foreclosure Referral for Mortgage Loans Generally
        
        E-1.2-03, Timing of the Foreclosure Referral for Second Lien Conventional Mortgage Loans Not Secured by a Principal Residence
        
        E-1.2-04, Timing of the Foreclosure Referral for Government Mortgage Loans
        
        E-1.3-01, General Servicer Responsibilities for Non-Routine Matters
        
        E-1.3-02, Reporting Non-Routine Litigation to Fannie Mae
        
        E-1.3-03, Reporting “Legal Filings” to MERS
        
        Section E-2.1, Bankruptcy Proceedings in General
        
        E-2.1-01, General Servicing Requirements for Mortgage Loans Under Bankruptcy Protection
        
        E-2.1-02, Confirming Bankruptcy Information
        
        E-2.1-03, Suspending Debt Collection Efforts
        
        E-2.1-04, Expected Servicer/Attorney Interaction During Bankruptcy Proceedings
        
        E-2.1-05, Filing a Notice of Appearance and Sending Proper Notices
        
        E-2.1-06, Reviewing Bankruptcy Reorganization Plans
        
        E-2.1-07, Preparing and Filing a Proof of Claim
        
        E-2.1-08, Monitoring Borrower Payments and Critical Dates
        
        E-2.1-09, Identifying Workout Opportunities
        
        E-2.1-10, Dealing with Delays in the Bankruptcy Process
        
        E-2.1-11, Remitting P&I for MBS Mortgage Loans That Are Part of a Bankruptcy
        
        E-2.2-01, Managing Chapter 7 Bankruptcies
        
        E-2.2-02, Managing Chapter 11 Bankruptcies
        
        E-2.2-03, Managing Chapter 12 Bankruptcies
        
        E-2.2-04, Managing Chapter 13 Bankruptcies
        
        E-2.3-01, Identifying Abusive Filers
        
        E-2.3-02, Addressing Individuals with Fractional Interests in a Security Property
        
        E-2.3-03, Handling Cramdowns of the Mortgage Debt
        
        E-2.3-04, Bankruptcies Involving Mortgage Loans Secured by Investment Properties
        
        E-2.3-05, Bankruptcies Involving Multiple Fannie Mae Mortgage Loans
        
        E-2.3-06, Responding to Bankruptcies Identified After Foreclosure Sale
        
        E-2.3-07, Cross-Border Insolvency Proceedings
        
        Section E-3.1, Foreclosure Proceedings in General
        
        E-3.1-01, General Servicing Requirements Related to Foreclosure Proceedings
        
        E-3.1-02, Performing Due Diligence Prior to Considering Foreclosure
        
        E-3.1-03, Fannie Mae Address for Instruments of Record
        
        E-3.1-04, Addressing a Bankruptcy Filed During Active Foreclosure
        
        E-3.2-01, Conducting Prereferral Review
        
        E-3.2-02, Initiating Foreclosure Proceedings on a First Lien Conventional Mortgage Loan
        
        E-3.2-03, Initiating Foreclosure Proceedings on a Second Lien Conventional Mortgage Loan
        
        E-3.2-04, Postponing Foreclosure Referral for Mortgage Loans Not Secured by a Principal Residence
        
        E-3.2-05, Expected Servicer/Attorney Interaction During Foreclosure Proceedings
        
        E-3.2-06, Conducting Borrower Outreach During Foreclosure
        
        E-3.2-07, Impact of Engagement with a Mortgage Assistance Fund Program Provider
        
        E-3.2-08, Processing Reinstatements During Foreclosure
        
        E-3.2-09, Conducting Foreclosure Proceedings
        
        E-3.2-10, Paying Certain Expenses During the Foreclosure Process
        
        E-3.2-11, Collecting Under an Assignment of Rents
        
        E-3.2-12, Performing Property Preservation During Foreclosure Proceedings
        
        E-3.2-13, Addressing Title Defects Generally
        
        E-3.2-14, Addressing Title Defects for Bifurcated Mortgage Loans
        
        E-3.2-15, Allowable Time Frames for Completing Foreclosure
        
        E-3.3-01, Completing Preforeclosure Sale Review
        
        E-3.3-02, Certifying the Status of Workout Negotiations Prior to Foreclosure Sale
        
        E-3.3-03, Inspecting Properties Prior to Foreclosure Sale
        
        E-3.3-04, Marketing the Foreclosure Sale and Using Foreclosure Auction Services
        
        E-3.3-05, Issuing Bidding Instructions
        
        E-3.3-06, Handling a Suspension or Reduction of the Redemption Period
        
        E-3.3-07, Pursuing a Deficiency Judgment
        
        E-3.4-01, Suspending Foreclosure Proceedings for Workout Negotiations
        
        E-3.4-02, Canceling the Foreclosure Sale for a Completed Workout
        
        E-3.5-01, Foreclosure of a Property Securing an MBS Mortgage Loan
        
        E-3.5-02, Handling Third-Party Sales
        
        E-3.5-03, Providing Evidence of Title
        
        Section E-4.1, Notifying Fannie Mae of Property Acquisitions
        
        E-4.1-01, Notifying Fannie Mae of an Acquired Property
        
        E-4.1-02, Eliminations and Rescissions of Foreclosure Sales
        
        E-4.2-01, Completing Conveyance Documents
        
        E-4.2-02, Handling Reconveyance to the Insurer or Guarantor
        
        E-4.3-01, Managing the Property Post-Foreclosure Sale
        
        E-4.3-02, Inspecting Properties Post-Foreclosure Sale
        
        E-4.3-03, The Broker's, Agent's, or Property Management Company's Responsibilities
        
        E-4.3-04, Handling Eviction Proceedings
        
        E-4.4-01, Continuing or Canceling Property Insurance Coverage
        
        E-4.4-02, Remitting Property Insurance Settlement Proceeds or Unearned Premium Refunds
        
        E-4.4-03, Canceling Flood Insurance Coverage for Acquired Properties
        
        E-4.4-04, Remitting Flood Insurance Settlement Proceeds or Unearned Premium Refunds
        
        E-4.5-01, Filing MI Claims for Conventional Mortgage Loans or for Other Mortgage Loans for which Fannie Mae Bears the Risk of Loss
        
        E-4.5-02, Filing MI Claims for FHA Mortgage Loans
        
        E-4.5-03, Filing MI Claims for FHA Coinsured Mortgage Loans
        
        E-4.5-04, Filing MI Claims for FHA Title I Loans
        
        E-4.5-05, Filing MI Claims for HUD Section 184 Mortgage Loans
        
        E-4.5-06, Filing MI Claims for VA Mortgage Loans
        
        E-4.5-07, Filing MI Claims for RD Mortgage Loans
        
        E-5-01, Requesting Reimbursement for Expenses
        
        E-5-02, Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs
        
        E-5-03, Allowable Bankruptcy Fees
        
        E-5-04, Allowable Foreclosure Fees
        
        E-5-05, Reimbursing Law Firms/Reimbursement of Uncollected Fees, Costs or Advances
        
        E-5-06, Technology Fees and Electronic Invoicing
        
        E-5-07, Other Reimbursable Default-Related Legal Expenses
        
        Chapter F-1, Servicing Guide Procedures
        
        F-1-01, Servicing ARM Loans
        
        F-1-02, Escrow, Taxes, Assessments, and Insurance
        
        F-1-03, Establishing and Implementing Custodial Accounts
        
        F-1-04, Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan
        
        F-1-05, Expense Reimbursement
        
        F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property
        
        F-1-07, Handling Property Forfeitures and Seizures
        
        F-1-08, Managing Foreclosure Proceedings
        
        F-1-09, Processing Mortgage Loan Payments and Payoffs
        
        F-1-10, Obtaining and Executing Legal Documents
        
        F-1-11, Post-Delivery Servicing Transfers
        
        F-1-12, Preparing to Implement a Workout Option
        
        F-1-13, Processing a Fannie Mae Mortgage Release (Deed-In-Lieu of Foreclosure)
        
        F-1-14, Processing a Fannie Mae Short Sale
        
        F-1-15, Processing a Government Mortgage Loan Modification
        
        F-1-16, Processing a Repayment Plan
        
        F-1-17, Processing a Transfer of Ownership
        
        F-1-18, Processing a Workout Incentive Fee
        
        F-1-19, Processing a Military Indulgence
        
        F-1-20, Remitting and Accounting to Fannie Mae
        
        F-1-21, Reporting a Delinquent Mortgage Loan via Fannie Mae’s Servicing Solutions System
        
        F-1-22, Reporting a Workout Option via Fannie Mae’s Servicing Solutions System
        
        F-1-23, Reporting to Third Parties
        
        F-1-24, Requesting Fannie Mae’s Approval via Fannie Mae’s Servicing Solutions System
        
        F-1-25, Reclassifying or Voluntary Repurchasing an MBS Mortgage Loan
        
        F-1-26, Servicing eMortgages
        
        F-1-27, Processing a Fannie Mae Flex Modification
        
        F-1-28, Reviewing a Transfer of Ownership for Credit and Financial Capacity
        
        F-2-01, Bankruptcy Referral and Completion Timelines
        
        F-2-02, Incentive Fees for Workout Options
        
        F-2-03, Compensatory Fee Calculation Examples
        
        F-2-04, Firm Minimum Requirements
        
        F-2-05, Historical Yield Differential Adjustment Provisions
        
        F-2-06, Mortgage Insurer Delegations for Workout Options
        
        F-2-07, Reporting the Principal Amount for Mortgage Loans with Principal Forbearance
        
        F-2-08, Servicing Fees for MBS Mortgage Loans
        
        F-2-09, Servicing Fees for Portfolio Mortgage Loans
        
        F-2-10, Fannie Mae’s Workout Hierarchy
        
        F-3-01, Acronyms and Glossary of Defined Terms: A
        
        F-3-02, Acronyms and Glossary of Defined Terms: B
        
        F-3-03, Acronyms and Glossary of Defined Terms: C
        
        F-3-04, Acronyms and Glossary of Defined Terms: D
        
        F-3-05, Acronyms and Glossary of Defined Terms: E
        
        F-3-06, Acronyms and Glossary of Defined Terms: F
        
        F-3-07, Acronyms and Glossary of Defined Terms: G
        
        F-3-08, Acronyms and Glossary of Defined Terms: H
        
        F-3-09, Acronyms and Glossary of Defined Terms: I
        
        F-3-10, Acronyms and Glossary of Defined Terms: J
        
        F-3-11, Acronyms and Glossary of Defined Terms: K
        
        F-3-12, Acronyms and Glossary of Defined Terms: L
        
        F-3-13, Acronyms and Glossary of Defined Terms: M
        
        F-3-14, Acronyms and Glossary of Defined Terms: N
        
        F-3-15, Acronyms and Glossary of Defined Terms: O
        
        F-3-16, Acronyms and Glossary of Defined Terms: P
        
        F-3-17, Acronyms and Glossary of Defined Terms: Q
        
        F-3-18, Acronyms and Glossary of Defined Terms: R
        
        F-3-19, Acronyms and Glossary of Defined Terms: S
        
        F-3-20, Acronyms and Glossary of Defined Terms: T
        
        F-3-21, Acronyms and Glossary of Defined Terms: U
        
        F-3-22, Acronyms and Glossary of Defined Terms: V
        
        F-3-23, Acronyms and Glossary of Defined Terms: W
        
        F-3-24, Acronyms and Glossary of Defined Terms: X
        
        F-3-25, Acronyms and Glossary of Defined Terms: Y
        
        F-3-26, Acronyms and Glossary of Defined Terms: Z
        
        F-4-01, References to Fannie Mae's Website
        
        F-4-02, List of Contacts
        
        F-4-03, List of Lender Contracts