source:
  type: regulation
  id: fnma-svc-b-1
  authority: "FNMA Servicing Guide B-1 — Escrow Account Administration"
  description: 'Servicing Guide Chapter B-1 describes escrow account administration and the servicer''s obligation to monitor escrow-related charges and pay them timely.

    '
obligations:
- id: fnma-svc-b-1-escrow-monitoring-lien-protection
  canonical_id: fnma-svc-b-1-escrow-monitoring-lien-protection
  section: "FNMA Servicing Guide B-1-01 — Administering an Escrow Account and Paying Expenses"
  description: 'Without regard to whether the mortgage loan has an escrow account,

    [LENDER] must protect Fannie Mae''s mortgage lien and the property

    securing the mortgage loan by monitoring the status of all escrow and

    related charges (property/flood insurance premiums, MI premiums, real

    estate taxes, ground rents, HOA/PUD/co-op assessments, government and

    public utility assessments, and other charges that can attain priority

    over Fannie Mae''s lien) and by maintaining accurate records on the

    status of all escrow and related charges.

    '
  type: do
  audit_question: For every Fannie Mae mortgage loan in [LENDER]'s portfolio (escrowed or not), can [LENDER] evidence ongoing monitoring of all escrow and related charges and accurate records of their status, sufficient to protect Fannie Mae's mortgage lien?
  workflow_phase: servicing
  owner_role: escrow_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - escrow
  - lien-protection
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide B-1-01
    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: "Without regard to whether the mortgage loan has an escrow account, the servicer must protect Fannie Mae’s\nmortgage lien and the property securing the mortgage loan by"
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter B-1) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:08+00:00'
  promoted_from: fnma-svc-b-1-roundb-v1.yaml
  program_review: Does the program ensure FNMA's lien is protected — for every loan, escrowed or not — by monitoring all escrow and related charges (property/flood/MI premiums, taxes, ground rents, HOA/PUD/co-op and government/utility assessments, other priority charges) and keeping accurate records?
  file_review: Sample loans (escrowed and non-escrowed); confirm ongoing monitoring of all escrow/related charges and accurate status records.
  judgment: false
- id: fnma-svc-b-1-timely-escrow-payment
  canonical_id: fnma-svc-b-1-timely-escrow-payment
  section: "FNMA Servicing Guide B-1-01 — Administering an Escrow Account and Paying Expenses"
  description: 'When the mortgage loan has an escrow account, [LENDER] must ensure the

    timely payment of all escrow and related charges before any applicable

    penalty or termination date, and make payments for escrow-related

    expenses early enough to take advantage of any discount period to obtain

    the maximum discounts allowed whenever funds are available in the escrow

    account.

    '
  type: do
  audit_question: For every escrowed Fannie Mae mortgage loan, can [LENDER] evidence escrow payments are made before any applicable penalty/termination date and early enough to capture available discount periods?
  workflow_phase: servicing
  owner_role: escrow_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - escrow
  - timely-payment
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide B-1-01
    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: 'When the mortgage loan has an escrow account, the servicer must

      ensure the timely payment of all escrow and related charges before any applicable penalty or termination

      date, and

      make payments for escrow-related expenses early enough to take advantage of any discount period to

      obtain the maximum discounts allowed whenever funds are available in the escrow account.'
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter B-1) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:08+00:00'
  promoted_from: fnma-svc-b-1-roundb-v1.yaml
  program_review: Does the program ensure, for escrowed loans, timely payment of all escrow/related charges before penalty/termination dates and early enough to capture available discounts when escrow funds are available?
  file_review: For escrowed loans, confirm payments before penalty/termination dates and discount capture where applicable.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:25:08+00:00'
  candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-b-1-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
