source:
  type: guide
  id: fnma-svc-d2-2-10
  authority: Fannie Mae Servicing Guide D2-2-10 — Requirements for Performing Property
    Inspections
  description: Fannie Mae Servicing Guide D2-2-10 — Requirements for Performing Property
    Inspections.
  coverage_tier: operative
obligations:
- id: fnma-svc-d2-2-10-full
  canonical_id: fnma-svc-d2-2-10-full
  section: Fannie Mae Servicing Guide D2-2-10 — Requirements for Performing Property
    Inspections
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide D2-2-10 — Requirements for Performing Property
      Inspections
    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: 'D2-2-10, Requirements for Performing Property Inspections (05/10/2023)
      Introduction This topic contains the following: Inspecting a Property Securing
      a Delinquent Mortgage Loan Inspecting and Repairing a Property in Disrepair
      Inspecting and Protecting a Vacant or Abandoned Property Inspecting a Property
      Securing a Delinquent Mortgage Loan The servicer must order a property inspection
      on or after the 90th day of delinquency and complete the property inspection
      no later than the 120th day of delinquency for all delinquent mortgage loans
      and continue inspecting every calendar month as long as the mortgage loan remains
      90 or more days delinquent until the foreclosure sale, the execution of a Mortgage
      Release, or the mortgage loan becomes current unless otherwise noted in this
      Servicing Guide. Published May 13, 2026 310 However, the servicer must not complete
      a property inspection every calendar month when the mortgage loan is 90 or more
      days delinquent if the property is borrower/tenant occupied, and one of the
      following has occurred: QRPC has been established within the last 30 days, a
      full payment has been received within the last 30 days, a workout option has
      been approved and the borrower is performing under the plan, or the borrower
      is performing under the applicable bankruptcy plan. The servicer must use a
      Property Inspection Report (Form 30) or its own form that provides equivalent
      information to document the property inspection. When a property inspection
      is required every calendar month, the property inspections must occur between
      20 and 35 days apart. However, the servicer must complete more frequent property
      inspections when necessary (for example, when required by local ordinance or
      based on property condition). If extenuating circumstances cause inspection
      delays, the servicer must document eﬀorts to conduct timely inspection and the
      reason for any exception in the mortgage loan ﬁle. The servicer must complete
      a ﬁnal property inspection within 35 days prior to the foreclosure sale, or
      in applicable foreclosure actions where there is no foreclosure sale and title
      is transferred by court order, the estimated court order docket date (if known).
      See E-3.3-03, Inspecting Properties Prior to Foreclosure Sale for additional
      information. The following table outlines the type of inspection the servicer
      must perform depending on the occupancy status. If... Then the servicer must
      complete... the property is vacant or abandoned an interior inspection as allowed
      by applicable law the occupancy status of the property is • unknown, or • occupied
      (whether by borrower(s), tenant(s), or unknown occupant(s)) an exterior inspection
      The servicer is authorized to consider a curbside (drive-by) inspection as an
      exterior inspection only in the following circumstances: if there are legal
      constraints due to compliance with applicable law including active bankruptcy,
      or if there is potential danger to the inspector. The servicer must maintain
      and make any checklists or other documentation relied upon to determine the
      occupancy status of a property available to Fannie Mae upon request. Fannie
      Mae reserves the right to require revisions to the checklists, the use of a
      prescribed form of checklist, or aﬃdavits of vacancy where necessary or appropriate
      to evidence the vacancy status. Published May 13, 2026 311 See A4-2.1-02, Property
      Inspection Vendor Management and Oversight for information on property inspection
      vendor management. The servicer must follow the procedures in Reimbursement
      for Property Inspections and Property Preservation Expenses in F-1-05, Expense
      Reimbursement for requesting reimbursement of property inspection fees. The
      servicer of a second lien mortgage loan must complete a property inspection
      of the property securing the mortgage loan by the earlier of the date that it
      initiates foreclosure proceedings, or the 120th day of delinquency. Inspecting
      and Repairing a Property in Disrepair When the servicer learns of any condition
      detrimental to the value of the property or the need for urgent repairs, the
      servicer must remind the borrower of their obligation to maintain the property
      and take the action described in the following table depending on the borrower’s
      action. (For disaster-impacted properties, see D1-3-01, Evaluating the Impact
      of a Disaster Event and Assisting a Borrower). If the borrower... Then the servicer...
      agrees to arrange for the necessary repairs and has the ﬁnancial resources to
      do so must follow up until the repairs have been completed. is willing to make
      the repairs, but is unable to do so is authorized to ask Fannie Mae to advance
      the necessary funds by requesting expense reimbursement if the mortgage loan
      is either • a whole mortgage loan, • a participation pool mortgage loan, or
      • an MBS mortgage loan serviced under the special servicing option. Note: Appropriate
      arrangements should be made for the borrower to repay the advance. Published
      May 13, 2026 312 If the borrower... Then the servicer... refuses to make repairs
      of an emergency nature or to allow the servicer to have such repairs made must
      adhere to the following requirements. If the mortgage loan... Then the servicer
      must... is current and/or the property is occupied determine if inspections
      are necessary and whether it should pursue other actions, such as legal action,
      to have emergency repairs made. For non- routine litigation matters, the servicer
      must notify Fannie Mae’s Legal Department by submitting a Non-Routine Litigation
      Form (Form 20). is or becomes delinquent and the servicer determines the property
      is vacant follow the requirements for inspecting, securing, and repairing vacant
      properties and securing delinquent mortgage loans set forth in Inspecting and
      Protecting a Vacant or Abandoned Property and the Property Preservation Matrix
      and Reference Guide. Before the servicer of a second lien mortgage loan conducts
      a property inspection, it must contact the ﬁrst lien mortgage loan servicer
      to determine when the property was last inspected to avoid a potential duplication
      of eﬀort. If the servicer conducts a property inspection, it must notify the
      ﬁrst lien mortgage loan servicer of the results of the property inspection and
      the borrower’s plans regarding any needed repairs. The following table describes
      the action that the servicer of a second lien mortgage loan must take depending
      on the borrower’s action. If the borrower... Then the servicer... agrees to
      arrange for the necessary repairs must follow up until the repairs have been
      completed. Published May 13, 2026 313 If the borrower... Then the servicer...
      refuses to make the necessary repairs must determine what action the ﬁrst lien
      mortgage loan servicer intends to take. If the ﬁrst lien mortgage loan servicer
      does not intend to take any action to repair the property, the servicer must
      contact its Fannie Mae Servicing Representative (see F-4-02, List of Contacts).
      The servicer must follow the procedures in General Expense Reimbursement Requirements
      in F-1-05, Expense Reimbursement for advancing funds to make repairs and requesting
      reimbursement. Inspecting and Protecting a Vacant or Abandoned Property The
      servicer must inspect a property as soon as possible after it becomes aware
      of the possibility that the property may be vacant or abandoned. When the servicer
      determines the property is vacant, the servicer must take the actions listed
      in the following table. ✓ The servicer must... Make immediate arrangements to
      protect the property from vandalism and the elements to the extent that local
      laws allow such action. See Overview of General Servicer Duties and Responsibilities
      in A2-1-01, General Servicer Duties and Responsibilities and the Property Preservation
      Matrix and Reference Guide for additional information. Attempt to locate the
      borrower to determine the reason for the vacancy. Contact any other lienholders
      to determine if any action has been taken and their intentions. Notify the property
      insurance carrier about the vacancy to ensure that appropriate insurance coverage
      is being maintained. The following table describes the servicer’s next steps
      depending on the mortgage loan status if the property inspection conﬁrms that
      the property is vacant. Published May 13, 2026 314 If the property inspection
      conﬁrms that the property is vacant and the mortgage loan is... Then the servicer
      must... delinquent complete a property inspection every calendar month as long
      as the mortgage loan remains 90 or more days delinquent without regard to whether
      QRPC, as described in D2-2-01, Achieving Quality Right Party Contact with a
      Borrower, has been established. not delinquent summarize its attempts to locate
      the borrower and its discussions with any other lienholders and submit a recommendation
      for further action to its Fannie Mae Servicing Representative (see F-4-02, List
      of Contacts). The servicer must obtain a signed copy of the inspection report
      that ﬁrst reported the vacancy, in which the person who completed the inspection
      certiﬁes that they personally went to the property location and that the property
      is vacant. An electronic signature is acceptable when obtaining a signed copy
      of the inspection report. See Selling Guide A2-4.1-03, Electronic Records, Signatures,
      and Transactions for additional information. If a property is subsequently inspected
      and remains vacant, the continued vacancy status must be documented on the checklist
      or other document evidencing notes of the inspection, but no additional signature
      is required. If a property previously reported to be vacant becomes occupied,
      a new signed inspection report is required if the property becomes vacant. Once
      the servicer has conﬁrmed the property is abandoned, the servicer must complete
      an interior inspection every calendar month until the foreclosure sale date,
      or in applicable foreclosure actions where there is no foreclosure sale and
      title is transferred by court order, the date the court’s order is entered on
      the docket. Interior inspections may be conducted simultaneously with other
      required property inspections. Recent Related Announcements The table below
      provides references to recently issued Announcements that are related to this
      topic. Announcements Issue Date Announcement SVC-2023-03 May 10, 2023 Announcement
      SVC-2021-08 November 17, 2021 Announcement SVC-2019-02 April 10, 2019 Published
      May 13, 2026 315 Chapter D2-3, Fannie Mae’s Home Retention and Liquidation Workout
      Options Introduction This chapter contains information on Fannie Mae’s home
      retention and liquidation workout options. Section D2-3.1, Preparing to Implement
      a Home Retention or Liquidation Workout Option'
  judgment: false
