source:
  type: guide
  id: fnma-svc-e-3.2-10
  authority: Fannie Mae Servicing Guide E-3.2-10 — Paying Certain Expenses During
    the Foreclosure Process
  description: Fannie Mae Servicing Guide E-3.2-10 — Paying Certain Expenses During
    the Foreclosure Process.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-3.2-10-full
  canonical_id: fnma-svc-e-3.2-10-full
  section: Fannie Mae Servicing Guide E-3.2-10 — Paying Certain Expenses During the
    Foreclosure Process
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-3.2-10 — Paying Certain Expenses During
      the Foreclosure Process
    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-3.2-10, Paying Certain Expenses During the Foreclosure Process
      (11/12/2014) The servicer must use any funds remaining in the borrower’s escrow
      deposit account to pay T&I premiums that come due during the foreclosure process.
      The servicer also may use escrow funds to pay costs for the protection of the
      security and related foreclosure costs as long as state or local laws, government
      regulations, or the requirements of the mortgage insurer or guarantor do not
      preclude the use of escrow funds for these purposes. If the escrow balance is
      not suﬃcient to cover these expenses, the servicer must advance its own funds.
      See also Advancing Funds to Cover Expenses in B-1-01, Administering an Escrow
      Account and Paying Expenses for additional information. Recent Related Announcements
      There are no recently issued Announcements related to this topic. Published
      May 13, 2026 454
  judgment: false
