source:
  type: guide
  id: fnma-svc-e-3.2-13
  authority: Fannie Mae Servicing Guide E-3.2-13 — Addressing Title Defects Generally
  description: Fannie Mae Servicing Guide E-3.2-13 — Addressing Title Defects Generally.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-3.2-13-full
  canonical_id: fnma-svc-e-3.2-13-full
  section: Fannie Mae Servicing Guide E-3.2-13 — Addressing Title Defects Generally
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-3.2-13 — Addressing Title Defects Generally
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-05-22T23:53:19Z'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    paragraph_quote: 'E-3.2-13, Addressing Title Defects Generally (12/16/2015) With
      respect to each ﬁrst lien mortgage loan sold to Fannie Mae, the following warranties
      are made to Fannie Mae: the mortgage is a valid and subsisting lien on the property;
      the property is free and clear of all encumbrances and liens having priority
      over it except for liens for real estate taxes, and liens for special assessments,
      that are not yet due and payable; and the mortgage and any security agreements,
      chattel mortgages, or equivalent documents relating to it Published May 13,
      2026 456 have been properly signed, are valid, and their terms may be enforced
      by Fannie Mae, its successors, and assigns. Note: These warranties are not all
      inclusive. The servicer must comply with Fannie Mae’s requirements for addressing
      title defects, as shown in the following table. ✓ The servicer must… Take reasonable
      steps to correct the defect, even if the servicer is not responsible for the
      selling representations and warranties for the mortgage loan or if the title
      defect was created by a prior servicer. Promptly provide the title information
      to the responsible party if the servicer is not the responsible party. Correct
      the title defect as part of the foreclosure process when possible. Fannie Mae
      reserves the right, at its option, to pursue other remedies as set forth in
      the Guides. Delays by title insurance companies in processing and resolving
      claims, or disputes with title insurance companies over coverage issues will
      not excuse the servicer from its correction or repurchase obligations or prevent
      the imposition of compensatory fees. Recent Related Announcements There are
      no recently issued Announcements related to this topic.'
  judgment: false
