source:
  type: guide
  id: fnma-svc-a2-1-04
  authority: Fannie Mae Servicing Guide A2-1-04 — Execution of Legal Documents
  description: Fannie Mae Servicing Guide A2-1-04 — Execution of Legal Documents.
  coverage_tier: operative
obligations:
- id: fnma-svc-a2-1-04-full
  canonical_id: fnma-svc-a2-1-04-full
  section: Fannie Mae Servicing Guide A2-1-04 — Execution of Legal Documents
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide A2-1-04 — Execution of Legal Documents
    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: 'A2-1-04, Execution of Legal Documents (09/09/2020) Introduction
      This topic contains the following: Overview Fannie Mae’s Limited Power of Attorney
      to Execute Documents Correcting Conveyances to Fannie Mae Overview The servicer
      ordinarily appears in the land records as the mortgagee to facilitate performance
      of the servicer’s contractual responsibilities, including, but not limited to,
      the receipt of legal notices that may impact Fannie Mae’s lien, such as notices
      of foreclosure, tax, and other liens. However, Fannie Mae may take any and all
      action with respect to the mortgage loan it deems necessary to protect its or
      an MBS trust’s ownership of the mortgage loan, including recording an assignment
      of mortgage, or its legal equivalent, from the servicer to Fannie Mae or its
      designee. In the event that Fannie Mae determines it necessary to record such
      an instrument, Published May 13, 2026 72 the servicer must assist Fannie Mae
      by preparing and recording any required documentation, such as assignments of
      mortgages, powers of attorney, or aﬃdavits; and providing recordation information
      for the aﬀected mortgage loans. The servicer must follow the procedures in F-1-10,
      Obtaining and Executing Legal Documents when sending documents for Fannie Mae’s
      execution. The servicer is authorized to execute legal documents related to
      payoﬀs, foreclosures, releases of liability, releases of security, payment deferrals,
      mortgage loan modiﬁcations, subordinations, assignments of mortgages, and conveyances
      (or reconveyances) for any mortgage loan for which it (or MERS®) is the owner
      of record. When an instrument of record requires the use of an address for Fannie
      Mae, including assignments of mortgages, foreclosure deeds, REO deeds, and lien
      releases, the servicer must follow the procedures in Fannie Mae Contacts for
      Document Execution Requests in F-1-10, Obtaining and Executing Legal Documents
      to locate the appropriate address. Fannie Mae’s Limited Power of Attorney to
      Execute Documents When Fannie Mae is the owner of record for a mortgage loan,
      it permits the servicer that has Fannie Mae’s LPOA to execute certain types
      of legal documents on Fannie Mae’s behalf. The servicer must have an LPOA in
      place to be authorized to execute the following legal documents on behalf of
      Fannie Mae: full satisfaction or release of a mortgage or the request to a trustee
      for a full reconveyance of a deed of trust; partial release or discharge of
      a mortgage or the request to a trustee for a partial reconveyance or discharge
      of a deed of trust; modiﬁcation or extension of a mortgage or deed of trust;
      subordination of the lien of a mortgage or deed of trust; completion, termination,
      cancellation, or rescission of foreclosure relating to a mortgage or deed of
      trust, including, but not limited to, the following actions: the appointment
      of a successor or substitute trustee under a deed of trust, in accordance with
      state law and the deed of trust; the issuance or cancellation or rescission
      of notices of default; the cancellation or rescission of notices of sale; and
      the issuance of such other documents as may be necessary under the terms of
      the mortgage, deed of trust, or state law to expeditiously complete said transactions,
      including, but not limited to, assignments or endorsements of mortgages, deeds
      of trust, or promissory notes to convey title from Fannie Mae to the Attorney-in-Fact
      under this LPOA; conveyance of properties to FHA, HUD, the VA, RD, or a state
      or private mortgage insurer; and assignments or endorsements of mortgages, deeds
      of trust, or promissory notes to FHA, HUD, VA, RD, a state or private mortgage
      insurer, or MERS. To request an LPOA, the servicer must follow the procedures
      in Requesting a Limited Power of Attorney in Published May 13, 2026 73 F-1-10,
      Obtaining and Executing Legal Documents. If the servicer does not have an LPOA
      to execute documents on Fannie Mae’s behalf, or has a power of attorney that
      does not authorize it to execute documents for a speciﬁc type of transaction,
      the servicer must send the documents requiring execution in any instance in
      which Fannie Mae is the owner of record for the mortgage loan by email, when
      permitted. If, however, an original document must be executed by Fannie Mae,
      the servicer must send the document by regular or overnight mail. The servicer
      must follow the procedures in Fannie Mae Contacts for Document Execution Requests
      in F-1-10, Obtaining and Executing Legal Documents for instructions in sending
      documents to Fannie Mae. Correcting Conveyances to Fannie Mae The servicer must
      execute a quitclaim deed for properties that have been conveyed in error to
      Fannie Mae. The servicer must follow all procedures in F-1-10, Obtaining and
      Executing Legal Documents when preparing the reconveyance quitclaim deed. A
      quitclaim deed is an instrument of conveyance of real property that passes whatever
      title, claim, or interest that the grantor has in the property, but does not
      make any representations as to the validity of such title. A quitclaim deed
      is not a guarantee that the grantor has clear title to the property; rather
      it is a relinquishment of the grantor’s rights, if any, in the property. The
      holder of a quitclaim deed receives only the interest owned by the person conveying
      the deed. Fannie Mae will execute the quitclaim deed only if the servicer has
      prepared the document to quitclaim or assign back to the previous grantor or
      assignor. The servicer must send the request for quitclaim deed execution to
      Fannie Mae as described in Submitting a Reconveyance Quitclaim Deed in F-1-10,
      Obtaining and Executing Legal Documents. Recent Related Announcements The table
      below provides references to recently issued Announcements that are related
      to this topic. Announcements Issue Date Announcement SVC-2020-04 September 9,
      2020'
  judgment: false
