source:
  type: guide
  id: fnma-svc-e-3.5-03
  authority: Fannie Mae Servicing Guide E-3.5-03 — Providing Evidence of Title
  description: Fannie Mae Servicing Guide E-3.5-03 — Providing Evidence of Title.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-3.5-03-full
  canonical_id: fnma-svc-e-3.5-03-full
  section: Fannie Mae Servicing Guide E-3.5-03 — Providing Evidence of Title
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-3.5-03 — Providing Evidence of Title
    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-3.5-03, Providing Evidence of Title (11/12/2014) In Hawaii,
      the servicer must obtain an owner's title policy after the foreclosure sale
      if Fannie Mae acquires title to a property through a non-judicial foreclosure.
      The servicer must not obtain an owner's title policy after the foreclosure sale
      in any other state unless Fannie Mae speciﬁcally directs it to do so. Fannie
      Mae will accept other forms of title evidence as long as FHA, VA, RD, or the
      mortgage insurer does not speciﬁcally require an owner's title policy. Fannie
      Mae will not reimburse the servicer for the cost of an owner's title policy
      unless Fannie Mae or the mortgage insurer directs it to obtain one. Published
      May 13, 2026 481 Recent Related Announcements There are no recently issued Announcements
      related to this topic. Chapter E-4, Managing Acquired Properties Introduction
      This chapter describes managing acquired properties. Section E-4.1, Notifying
      Fannie Mae of Property Acquisitions
  judgment: false
