source:
  type: guide
  id: fnma-svc-e-3.2-14
  authority: Fannie Mae Servicing Guide E-3.2-14 — Addressing Title Defects for Bifurcated
    Mortgage Loans
  description: Fannie Mae Servicing Guide E-3.2-14 — Addressing Title Defects for
    Bifurcated Mortgage Loans.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-3.2-14-full
  canonical_id: fnma-svc-e-3.2-14-full
  section: Fannie Mae Servicing Guide E-3.2-14 — Addressing Title Defects for Bifurcated
    Mortgage Loans
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-3.2-14 — Addressing Title Defects for
      Bifurcated Mortgage Loans
    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-3.2-14, Addressing Title Defects for Bifurcated Mortgage Loans
      (08/17/2016) The following table provides a list of servicer responsibilities
      related to correcting title defects for bifurcated mortgage loans. Published
      May 13, 2026 457 ✓ The servicer must… Promptly notify the responsible party
      when it is notiﬁed or becomes aware of an origination or servicing title defect
      and the selling representations and warranties or prior servicer obligations
      were not assumed by the servicer. Contact Fannie Mae’s LQC Digital Data Control
      Team (see F-4-02, List of Contacts) if it needs conﬁrmation of the responsible
      party. Cooperate with the responsible party and take reasonable steps to correct
      an origination title defect. The servicer need not take actions or advance any
      funds that would not be approved by Fannie Mae unless the responsible party
      separately agrees to reimburse the servicer for such amounts in attempting to
      correct the title defect on the bifurcated mortgage loan in the manner suggested
      by the responsible party. Fannie Mae reserves the right, at its option, to pursue
      other remedies as set forth in the Guides. Fannie Mae reserves the right to
      require the responsible party to repurchase a mortgage loan if the originating
      or prior servicer created a title defect that is not resolved to Fannie Mae's
      satisfaction within the time frame and in the manner identiﬁed by us in the
      demand for a servicing repurchase remedy. Recent Related Announcements There
      are no recently issued Announcements related to this topic.
  judgment: false
