source:
  type: guide
  id: fnma-svc-e-4.5-02
  authority: Fannie Mae Servicing Guide E-4.5-02 — Filing MI Claims for FHA Mortgage
    Loans
  description: Fannie Mae Servicing Guide E-4.5-02 — Filing MI Claims for FHA Mortgage
    Loans.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-4.5-02-full
  canonical_id: fnma-svc-e-4.5-02-full
  section: Fannie Mae Servicing Guide E-4.5-02 — Filing MI Claims for FHA Mortgage
    Loans
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-4.5-02 — Filing MI Claims for FHA Mortgage
      Loans
    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-4.5-02, Filing MI Claims for FHA Mortgage Loans (11/12/2014)
      Published May 13, 2026 501 Under FHA regulations, a mortgagee may submit a claim
      for FHA insurance beneﬁts for a foreclosed single- family mortgage loan on the
      date that the deed to HUD is ﬁled for record. The servicer must follow the procedures
      in Filing an MI Claim with FHA in F-1-06, Filing an MI Claim for a Liquidated
      Mortgage Loan or Acquired Property. If speciﬁcally directed by FHA, the servicer
      may submit a claim without conveying title to the property to HUD. If this is
      the case, the servicer must follow the procedures in Filing an MI Claim for
      an FHA Mortgage Loan without Conveying Title to HUD in F-1-06, Filing an MI
      Claim for a Liquidated Mortgage Loan or Acquired Property. If the servicer erroneously
      indicates its name on a claim form for the mortgage loan, FHA will transfer
      the funds directly to the servicer, rather than to Fannie Mae. When this occurs,
      the servicer must remit the funds to Fannie Mae immediately. Fannie Mae may
      impose a daily compensatory fee for delayed remittances of FHA claim settlements
      that are the result of the servicer''s erroneous preparation of the claim form.
      For additional information see A1-4.2-02, Compensatory Fees for Delays in the
      Liquidation Process. If a servicer cannot convey title to HUD, submit the required
      title evidence or ﬁscal data, or ﬁle a supplemental claim within the time frames
      that FHA allows, it must follow the procedures in Requesting an Extension from
      FHA for Filing an MI Claim in F-1-06, Filing an MI Claim for a Liquidated Mortgage
      Loan or Acquired Property. When Fannie Mae completes its ﬁnal claim analysis
      for an FHA mortgage loan, it will notify the servicer if one of the following
      applies: the servicer owes Fannie Mae any money, or the servicer must purchase
      the property from Fannie Mae as the result of HUD’s refusal to accept conveyance
      of the property or outright denial of the claim. Within 30 days after the date
      of Fannie Mae''s notiﬁcation, the servicer must resolve the issue or send Fannie
      Mae any money it owes. Recent Related Announcements There are no recently issued
      Announcements related to this topic.'
  judgment: false
