source:
  type: guide
  id: fnma-sel-c1-2-05
  authority: Fannie Mae Selling Guide C1-2-05 — Delivering Green MBS to Fannie Mae
  description: Fannie Mae Selling Guide C1-2-05 — Delivering Green MBS to Fannie Mae.
  coverage_tier: operative
obligations:
- id: fnma-sel-c1-2-05-full
  canonical_id: fnma-sel-c1-2-05-full
  section: Fannie Mae Selling Guide C1-2-05 — Delivering Green MBS to Fannie Mae
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide C1-2-05 — Delivering Green MBS to Fannie Mae
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/selling-guide
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-05-25T14:09:57Z'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: 'C1-2-05, Delivering Green MBS to Fannie Mae (09/04/2024) Introduction
      This topic contains information about delivering Green MBS to Fannie Mae, including:
      Overview Eligibility Requirements Loan Delivery Data Overview Fannie Mae''s
      Green MBS consists of loans secured by properties that have received approved
      green building certiﬁcations within the last ﬁve years. An eligible green building
      certiﬁcation requires the home to be at least 10% more eﬃcient than a home built
      to an individual state''s energy code. Lenders may deliver whole loans or MBS.
      Eligibility Requirements Green MBS loans are subject to standard Selling Guide
      requirements, including the following: Loans may be ARMs or ﬁxed-rate. All property
      types are eligible. Refer to the Eligibility Matrix for applicable LTV, CLTV
      and HCLTV ratio requirements. Published May 6, 2026 940 The property must have
      one or more eligible green building certiﬁcations obtained within the last ﬁve
      years. See Single-Family Green MBS Certiﬁcations for a list of current organizations
      that meet our requirements. For whole loans: The loan must be sold within ﬁve
      years of the property''s certiﬁcation year. For loans in MBS: The pool must
      have a pool issuance year within ﬁve years of the property''s certiﬁcation year.
      Example: For a loan secured by a property with a green building certiﬁcation
      received in the year 2020, the loan must be sold to Fannie Mae by the end of
      2025. Loan Delivery Data For a Green whole loan sale, lenders should contact
      their Fannie Mae Account Team (see E-1-02, List of Contacts). For a Green MBS,
      lenders may use EarlyCheck or Loan Delivery to conﬁrm that all loans are Green
      MBS-eligible. To be considered a Green MBS, 100% of the loans in the MBS must
      be eligible. One of the following special feature codes must be delivered in
      addition to any other SFCs that may apply to the transaction: SFC 784 - ENERGY
      STAR green building certiﬁcation, or SFC 881 - Department of Energy Zero Ready
      Home. Recent Related Announcements The table below provides references to recently
      issued Announcements that are related to this topic. Announcement Issue Date
      Announcement SEL-2024-06 September 04, 2024'
  judgment: false
