source:
  type: guide
  id: fnma-svc-e-5-01
  authority: Fannie Mae Servicing Guide E-5-01 — Requesting Reimbursement for Expenses
  description: Fannie Mae Servicing Guide E-5-01 — Requesting Reimbursement for Expenses.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-5-01-full
  canonical_id: fnma-svc-e-5-01-full
  section: Fannie Mae Servicing Guide E-5-01 — Requesting Reimbursement for Expenses
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-5-01 — Requesting Reimbursement for Expenses
    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-5-01, Requesting Reimbursement for Expenses (11/09/2016) The
      servicer must request reimbursement for advances it has made for property taxes,
      insurance premiums, applicable HOA dues, and other out of pocket expenses by
      submitting a request for expense reimbursement. Fannie Mae will allow the servicer
      to submit requests for reimbursement as soon as possible after incurring an
      expense. When multiple requests for reimbursement are submitted in connection
      with the same mortgage loan, the servicer must submit its ﬁnal request for expense
      reimbursement for expenses incurred during the disposition process within 60
      days of the applicable milestone. For conventional mortgage loans, the applicable
      milestone is 60 days after the completion of a workout option (including a mortgage
      loan modiﬁcation or short sale); a third-party sale is completed in accordance
      with E-3.5-02, Handling Third-Party Sales; the date the mortgage loan is reinstated
      or paid oﬀ (see E-5-05, Reimbursing Law Firms/Reimbursement of Uncollected Fees,
      Costs or Advances); or Fannie Mae disposes of a property acquired through foreclosure
      sale or a Fannie Mae Mortgage Release (deed-in-lieu of foreclosure). For government
      mortgage loans, the applicable milestone is 60 days after the date the ﬁnal
      FHA, VA, or RD claim proceeds are submitted to Fannie Mae. Note: If the servicer
      submits a request for reimbursement of advances after the date Fannie Mae speciﬁes
      for the submission of the ﬁnal request for expense reimbursement, Fannie Mae
      will deny the request. The servicer must follow the procedures in F-1-05, Expense
      Reimbursement, for all reimbursement requests. Recent Related Announcements
      There are no recently issued Announcements related to this topic.'
  judgment: false
