source:
  type: guide
  id: fnma-svc-e-4.5-04
  authority: Fannie Mae Servicing Guide E-4.5-04 — Filing MI Claims for FHA Title
    I Loans
  description: Fannie Mae Servicing Guide E-4.5-04 — Filing MI Claims for FHA Title
    I Loans.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-4.5-04-full
  canonical_id: fnma-svc-e-4.5-04-full
  section: Fannie Mae Servicing Guide E-4.5-04 — Filing MI Claims for FHA Title I
    Loans
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-4.5-04 — Filing MI Claims for FHA Title
      I 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-4.5-04, Filing MI Claims for FHA Title I Loans (11/12/2014)
      The servicer must ﬁle a claim under the insurance contract for an FHA Title
      I mortgage loan within nine months of the date of the borrower's default. The
      servicer must ﬁle the claim in accordance with the information shown in the
      following table. Published May 13, 2026 503 If the Title I mortgage loan...
      Then the claim... was sold to Fannie Mae without recourse must be ﬁled in Fannie
      Mae's name so Fannie Mae's claim reserve account is appropriately adjusted.
      was sold to Fannie Mae with recourse must be ﬁled in the servicer's name so
      the servicer's claim reserve account is adjusted and the claim proceeds are
      sent to it. Recent Related Announcements There are no recently issued Announcements
      related to this topic.
  judgment: false
