source:
  type: guide
  id: fnma-sel-b8-2-03
  authority: Fannie Mae Selling Guide B8-2-03 — Signature Requirements for Security
    Instruments
  description: Fannie Mae Selling Guide B8-2-03 — Signature Requirements for Security
    Instruments.
  coverage_tier: operative
obligations:
- id: fnma-sel-b8-2-03-full
  canonical_id: fnma-sel-b8-2-03-full
  section: Fannie Mae Selling Guide B8-2-03 — Signature Requirements for Security
    Instruments
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide B8-2-03 — Signature Requirements for Security
      Instruments
    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: 'B8-2-03, Signature Requirements for Security Instruments (10/22/2013)
      Introduction This topic contains information on: Borrowers’ Signatures on Security
      Instruments Published May 6, 2026 894 Signature Requirements: Powers of Attorney
      and Guardianship Borrowers’ Signatures on Security Instruments The following
      person(s) must sign the security instrument: Each person who has an ownership
      interest in the security property, even if the person’s income is not used in
      qualifying for the loan. The spouse or domestic partner of any person who has
      an interest in the property, if their signature is necessary under applicable
      state law to waive any property right they have by virtue of being the owner’s
      spouse or domestic partner. Signature Requirements: Powers of Attorney and Guardianship
      The following persons may sign security instruments on a borrower’s behalf:
      An attorney-in-fact may sign the security instrument, as long as the lender
      obtains a copy of the applicable power of attorney. In jurisdictions where a
      power of attorney used for a signature on a security instrument must be recorded
      with the security instrument, the lender must ensure that recordation has been
      eﬀected. See B8-5-05, Requirements for Use of a Power of Attorney, for further
      requirements governing the use of a power of attorney. A court-appointed guardian
      may sign the security instrument if the borrower is not legally competent, provided
      that they have unlimited power over the ward’s aﬀairs, including the power to
      hold, convey, and give a lien against real property owned by the ward, to make
      payments from the ward’s assets, and to permit inquiries concerning the ward’s
      credit. The lender should obtain a copy of the documents making the appointment.
      If the guardian in some other capacity is a party to the loan or sale transaction—for
      example, the seller of the property—the lender should ascertain that there are
      no material conﬂicts of interest. Recent Related Announcements There are no
      recently issued Announcements related to this topic. Chapter B8-3, Notes Introduction
      This chapter describes requirements for conventional ﬁrst and second mortgages
      notes, special note provisions, and signature and endorsement requirements.
      Published May 6, 2026 895'
  judgment: false
