source:
  type: guide
  id: fnma-svc-f-1-05
  authority: Fannie Mae Servicing Guide F-1-05 — Expense Reimbursement
  description: Fannie Mae Servicing Guide F-1-05 — Expense Reimbursement.
  coverage_tier: operative
obligations:
- id: fnma-svc-f-1-05-full
  canonical_id: fnma-svc-f-1-05-full
  section: Fannie Mae Servicing Guide F-1-05 — Expense Reimbursement
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide F-1-05 — Expense Reimbursement
    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: 'F-1-05, Expense Reimbursement (06/11/2025) Introduction This
      Servicing Guide Procedure contains the following: General Expense Reimbursement
      Requirements Reimbursement for Escrow Advances Reimbursement for HOA Assessments
      and Related Expenses Reimbursement for Expenses Associated with Workout Options
      Published May 13, 2026 552 Reimbursing Fannie Mae for a Workout Incentive Fee
      Related to a Cancelled Mortgage Loan Modiﬁcation or Payment Deferral Reimbursement
      for Foreclosure Attorney Fee Milestones or Prorated Bankruptcy Attorney Fees
      Reimbursement for Property Inspections and Property Preservation Expenses Reimbursement
      for Recording Costs Associated with a Mortgage Loan Satisfaction or Charge-Oﬀ
      Reimbursement for Mortgage Insurance Premium Expenses Deﬁned Expense Reimbursement
      Limits Reimbursement for Other Reimbursable Default-Related Legal Expenses General
      Expense Reimbursement Requirements The servicer must advance its own funds in
      accordance with Advancing Funds to Cover Expenses in B-1-01, Administering an
      Escrow Account and Paying Expenses and Requirements When a Property’s Flood
      Zone Status Changes in B-3-01, Flood Insurance Requirements Applicable to All
      Property Types. Reimbursement from Fannie Mae To be eligible for reimbursement
      of either escrow or corporate advances from Fannie Mae, advances must be necessary
      to protect Fannie Mae’s interest in the property, and made for a mortgage loan
      that is a portfolio mortgage loan, participation pool mortgage loan, or special
      servicing option MBS mortgage loan. The servicer must also follow the requirements
      set forth in Chapter E-5, Requesting Reimbursements for Default-Related Expenses.
      The servicer must take the steps shown in the following table to obtain reimbursement
      of funds advanced to cover expenses. Step Servicer Action 1 Advance the funds
      to pay expenses in a timely manner. 2 Submit a request for expense reimbursement
      with required supporting documentation. 3 Retain in the mortgage loan servicing
      ﬁle all supporting documentation for all requests for expense reimbursement.
      4 Ensure supporting documentation is available to Fannie Mae upon request. If
      Fannie Mae reimburses the servicer for an advance, and the mortgage loan is
      subsequently reinstated or subject to a completed retention workout option,
      the servicer must reimburse Fannie Mae within 60 days of the Published May 13,
      2026 553 date of the reinstatement or the completed retention workout option
      all recoverable advances collected from the borrower at reinstatement or not
      included in the completed retention workout option. When the servicer accepts
      a full reinstatement of the mortgage loan in accordance with E-3.2-08, Processing
      Reinstatements During Foreclosure where Fannie Mae has reimbursed the servicer
      for its advances for foreclosure-related expenses including the costs of any
      preforeclosure property inspection, the servicer must repay the reimbursement
      within 60 days of the date the mortgage loan is reinstated. When repaying Fannie
      Mae in the instances required above, the servicer must remit the funds as a
      special remittance in accordance with Remitting a Special Remittance in F-1-20,
      Remitting and Accounting to Fannie Mae. When a property has been remapped into
      an SFHA and the servicer is unable to collect the applicable ﬂood insurance
      premium from the borrower, Fannie Mae will advise the servicer if any of the
      remedies permitted under the mortgage loan should be pursued against the borrower.
      Reimbursement for Escrow Advances Fannie Mae will reimburse the servicer for
      real estate taxes and property and ﬂood insurance premiums it advances to protect
      Fannie Mae’s interests when there are insuﬃcient funds in the escrow account
      to cover payments (or for a non-escrowed mortgage loan). Such escrow advances
      are reimbursable even if the expenses were advanced prior to the mortgage loan
      becoming delinquent. However, to be eligible for reimbursement, the mortgage
      loan must have subsequently become delinquent. See also Deﬁned Expense Reimbursement
      Limits further in this topic. Reimbursement for HOA Assessments and Related
      Expenses In accordance with Paying Assessments and Related Expenses Associated
      with Protecting the Priority of Fannie Mae’s Mortgage Lien in B-1-01, Administering
      an Escrow Account and Paying Expenses, Fannie Mae will reimburse the servicer
      for HOA assessments and similar charges it must pay to the extent necessary
      to avoid a lien that takes priority over Fannie Mae’s mortgage lien under applicable
      law, and would extinguish Fannie Mae’s mortgage lien if foreclosed. Unless Fannie
      Mae has provided prior written approval for additional amounts, reimbursement
      is limited to the lowest of the actual advances paid, maximum limit provided
      in the project declaration that would take priority over Fannie Mae’s mortgage
      lien, or state statutory maximums that would take priority over Fannie Mae’s
      mortgage lien. The servicer must maintain adequate records to document that
      reasonable and timely eﬀorts were made to ensure it minimized the amount of
      any late fees, interest, and attorney fees, which may be included under the
      lien pursuant to applicable law. Such expenses must be excluded from the servicer’s
      request for reimbursement from Fannie Mae to the extent they directly result
      from the servicer’s failure to monitor and ensure the timely payment of the
      related assessments. The servicer must take the steps shown in the following
      table to obtain reimbursement of HOA assessments and Published May 13, 2026
      554 related expenses. Step Servicer Action 1 Advance the funds to pay expenses.
      2 Complete the foreclosure sale or acceptance of the Mortgage Release. 3 Submit
      a request for expense reimbursement. Reimbursement for Expenses Associated with
      Workout Options Reimbursement for Payment Deferral Expenses and Fees The servicer
      must pay any necessary and actual out-of-pocket expenses in accordance with
      the Servicing Guide associated with execution of a payment deferral. The servicer
      must pay any out-of-pocket expenses, including, but not limited to, the following:
      required notary fees, recording costs, title costs, or any other allowable and
      documented expense. Note: The above expenses must not be included in the non-interest
      bearing balance created by a payment deferral. With regard to expenses that
      are advanced to third-parties in accordance with this Guide and included in
      the non-interest bearing balance created by a payment deferral, the servicer
      will not automatically be reimbursed for expenses related to a payment deferral
      upon completion of the payment deferral, but instead must request reimbursement
      from Fannie Mae. The servicer must submit its request for expense reimbursement
      for expenses advanced and included in the non-interest bearing balance within
      60 days of the completion of the payment deferral. See E-5-01, Requesting Reimbursement
      for Expenses for additional information. Fannie Mae will reimburse the servicer
      for allowable out-of-pocket expenses in accordance with this Procedure. With
      regard to mortgage loans for which the payment deferral remains in eﬀect, servicing
      fees, guaranty fees, and excess servicing fees (if applicable) will be reimbursed
      at the time the mortgage loan matures or is paid-in- full through a credit to
      the servicer’s custodial account. Reimbursement for Mortgage Loan Modiﬁcation
      Expenses The servicer must pay any necessary and actual out-of-pocket expenses
      in accordance with the Servicing Guide associated with the execution of a mortgage
      loan modiﬁcation. The servicer must pay any out-of-pocket expenses, including,
      but not limited to, the following: required notary fees, recording costs, Published
      May 13, 2026 555 title costs, property valuation fees, credit report fees, or
      other allowable and documented expense. Fannie Mae will reimburse the servicer
      for allowable out-of-pocket expenses in accordance with this Procedure. Reimbursement
      for Short Sale Expenses The servicer may request reimbursement for Fannie Mae’s
      share of all expenses related to a short sale for a conventional mortgage loan,
      including the amount required to reimburse the servicer for the appraisal, by
      submitting a request for expense reimbursement. Note: Uncollected late charges
      will not be reimbursed. The servicer must retain the original invoices that
      support the expenses claimed in the mortgage loan servicing ﬁle. For special
      servicing option MBS mortgage loans, the servicer must not request reimbursement
      for Fannie Mae’s share of the amount required to remove the mortgage loan (or
      participation interest in the mortgage loan) from the pool, since Fannie Mae
      will automatically reimburse the servicer for this amount after it remits the
      funds and reports the applicable action code required to remove the mortgage
      loan (or participation interest in the mortgage loan) from the pool. Also see
      the Investor Reporting Manual for additional information. Reimbursement for
      Mortgage Release Expenses Fannie Mae will reimburse the servicer for costs related
      to preparing documentation for a completed Mortgage Release (see Deﬁned Expense
      Reimbursement Limits further in this topic), and obtaining a title update associated
      with execution of a Mortgage Release (provided the borrower is unable to pay).
      Reimbursing Fannie Mae for a Workout Incentive Fee Related to a Cancelled Mortgage
      Loan Modiﬁcation or Payment Deferral For any mortgage loan modiﬁcation or payment
      deferral that is cancelled but not re-entered into Fannie Mae’s servicing solutions
      system within 30 days of the date of the cancellation, the servicer must reimburse
      Fannie Mae within 60 days of the cancellation date any workout incentive fee
      previously paid by Fannie Mae to the servicer in connection with the cancelled
      mortgage loan modiﬁcation or payment deferral. Reimbursement for Foreclosure
      Attorney Fee Milestones or Prorated Bankruptcy Attorney Fees In accordance with
      E-5-05, Reimbursing Law Firms/Reimbursement of Uncollected Fees, Costs or Advances,
      the servicer may request reimbursement of foreclosure or bankruptcy attorney
      fees paid to the law ﬁrm at established foreclosure milestones or when a bankruptcy
      proceeding is closed prior to completion, even if the full applicable allowable
      fee is not incurred. Published May 13, 2026 556 Reimbursement for Property Inspections
      and Property Preservation Expenses Fannie Mae will reimburse the servicer for:
      insured loss repair inspections on current and delinquent mortgage loans when
      required to conﬁrm property repairs in accordance with B-5-01, Insured Loss
      Events; all interior and exterior preforeclosure property inspections on delinquent
      mortgage loans (see D2-2-10, Requirements for Performing Property Inspections),
      as well as post-foreclosure sale inspections following a third-party sale (see
      E-3.5-02, Handling Third-Party Sales), completed in compliance with requirements
      of the Servicing Guide; property preservation work completed in accordance with
      E-3.2-12, Performing Property Preservation During Foreclosure Proceedings; and
      inspections on current and delinquent mortgage loans when required to determine
      the extent and nature of any property damage related to a disaster event in
      accordance with D1-3-01, Evaluating the Impact of a Disaster Event and Assisting
      a Borrower. For insured loss repair inspections and inspections performed on
      current mortgage loans related to a disaster event, the servicer may begin submitting
      requests for reimbursement immediately after the inspection is completed, but
      must submit its request no later than one year after the costs are incurred.
      For delinquent mortgage loans, refer to the time frames set forth in E-5-01,
      Requesting Reimbursement for Expenses. The servicer must refer to the Property
      Preservation Matrix and Reference Guide for additional details on preserving
      delinquent and vacant properties. Also see Deﬁned Expense Reimbursement Limits
      further in this topic. The following table describes the servicer’s responsibilities
      when requesting reimbursement for property inspection and/or property preservation
      expenses. ✓ The servicer must... Validate fees and costs prior to submitting
      a request for expense reimbursement to ensure the expenses are • reasonable
      and necessary to protect Fannie Mae’s interest, and • compliant with Fannie
      Mae’s guidelines. Retain all individual invoices related to completed property
      inspections and property preservation work and make the invoices available to
      Fannie Mae upon request. Request reimbursement for the lesser of Fannie Mae’s
      maximum allowable reimbursement amount or the actual cost incurred by submitting
      a request for expense reimbursement (refer to Deﬁned Expense Reimbursement Limits
      further in this topic for applicable reimbursement limits). Reimbursement for
      Recording Costs Associated with a Mortgage Loan Satisfaction or Charge-Oﬀ Published
      May 13, 2026 557 The servicer should record mortgage loan satisfactions and
      lien releases with the county recorder or Land records oﬃce electronically,
      when possible. Fannie Mae will reimburse the servicer for any government-imposed
      recording costs it has to pay in connection with mortgage loan satisfactions
      in accordance with C-1.2-05, Charging for a Release of Lien if: the mortgage
      loan is a portfolio mortgage loan or a special servicing option MBS mortgage
      loan, and applicable law and/or mortgage loan documents do not allow the servicer
      to charge the cost to the borrower. Note: The servicer must not net costs for
      recording the satisfaction of a mortgage loan out of the proceeds received for
      the individual mortgage loan payoﬀ. Fannie Mae will also reimburse the servicer
      for costs it incurs to record the required release of lien in the real property
      records when a mortgage loan charge-oﬀ is approved in accordance with D1-1-02,
      Evaluating a First Lien Mortgage Loan for Charge-Oﬀ and Release of Lien. Fannie
      Mae will reimburse the servicer for the costs assessed to electronically ﬁle
      or record documents even if a free paper-ﬁling option is available. Fannie Mae
      will also reimburse the servicer for fees paid to a third-party vendor to assist
      in such ﬁling, except when an option to ﬁle or record electronically without
      vendor charges exists. Reimbursement for Mortgage Insurance Premium Expenses
      Fannie Mae will reimburse the servicer its costs for borrower-paid primary MI
      as required in accordance with B-8.1-02, Paying Conventional Mortgage Insurance
      Premiums. The servicer is authorized to request reimbursement for servicing
      advances for MI renewal premiums that are paid after the date of default and
      through the month that any of the following events occurs: a third-party sale,
      a short sale, a foreclosure, or a Mortgage Release (deed-in-lieu of foreclosure).
      If the servicer receives an MI premium refund from the mortgage insurer after
      receiving reimbursement of the MI premium from Fannie Mae, the servicer must
      remit the reimbursed funds to Fannie Mae through the CRS using the 336 receipt
      code within 30 days of Fannie Mae’s request, unless the servicer receives the
      MI premium refund following the repurchase of a bifurcated loan, in which case
      the servicer must follow A1-3-03, Repurchase Obligations Related to Bifurcated
      Mortgage Loans. Deﬁned Expense Reimbursement Limits This procedure contains
      the amount that Fannie Mae will pay for its share of expenses when speciﬁc reimbursement
      expense limits are deﬁned. Also see the Allowable Foreclosure Attorney Fees
      Exhibit and the Allowable Bankruptcy Attorney Fees Exhibit for additional information
      regarding fees associated with either of these legal proceedings. In addition,
      also see the Property Preservation Matrix and Reference Guide for additional
      information concerning preservation work. Published May 13, 2026 558 Deﬁned
      Expense Reimbursement Limits Property Inspections Description Maximum Reimbursement
      Amount Interior Property Inspection $45/inspection Exterior Property Inspection
      $30/inspection Insured Loss Repair Inspection $60/inspection Workout Expenses
      Mortgage Release document preparation cost up to $650 each, upon completion
      Escrow Expenses Taxes Actual amount(s) that the servicer advanced to cover real
      estate tax payments when the escrow account has insuﬃcient funds to pay the
      expense in a timely manner (see Advancing Funds to Cover Expenses in B-1-01,
      Administering an Escrow Account and Paying Expenses and Reimbursement for Escrow
      Advances in this topic for further details). Tax Penalties and Late Charges
      • Late charges and penalties are not payable on escrowed mortgage loans. • The
      ﬁrst set of late charges and penalties for each tax type, for non-escrowed mortgage
      loans. HOA Dues From the foreclosure sale date up to the REO sale date (disposition).
      Reimbursement of dues incurred prior to the foreclosure date will be decided
      per each state’s statutes. Published May 13, 2026 559 Deﬁned Expense Reimbursement
      Limits Property and Flood Insurance Actual amount(s) that the servicer advanced
      to cover property and/or ﬂood insurance premiums when the escrow account has
      insuﬃcient funds to pay the expense in a timely manner, less any applicable
      unearned premium refund amount the servicer received when a policy is canceled.
      Fannie Mae will reimburse the servicer for such advances for a period of up
      to 14 days after • the date of the foreclosure sale or acceptance of an executed
      Mortgage Release, • the closing date for a short sale, or • for a third-party
      sale the later of the date the sale is completed (including funds received),
      or when applicable, the date the court conﬁrms or ratiﬁes the sale. See Reimbursement
      for Escrow Advances in this topic for further information. See also E-4.4-02,
      Remitting Property Insurance Settlement Proceeds or Unearned Premium Refunds
      and E-4.4-04, Remitting Flood Insurance Settlement Proceeds or Unearned Premium
      Refunds Technology Fees and Electronic Invoicing Description Maximum Reimbursement
      Amount Technology Fees $25/mortgage loan for life of the default Electronic
      Invoicing $10/life of mortgage loan; $5 for submission of electronic invoice
      relating to a foreclosure and an additional $5 if a bankruptcy is ﬁled on the
      same mortgage loan Property Preservation Description Maximum Reimbursement Amount
      Published May 13, 2026 560 Deﬁned Expense Reimbursement Limits A. Securing Knob
      lock or Knob lock with deadbolt $60 each Padlock or Hasp and Padlock $40 each
      Slider lock/Window lock $25 each Boarding $0.90/united inches (UI) Clearboarding
      Small (≤ 72 UI) = $185 Large (> 72 UI) = $285 Repair/Replace Windows Standard
      (≤ 36” × 36”) = $150 Large (> 36” × 36”) = $200 Life of loan cap = $600 Security
      Door $250/door Repair/Replace Exterior Door $500 for the life of the mortgage
      loan Repair/Replace Exterior Door Jamb $300 for the life of the mortgage loan
      Cover Exterior Dryer Vent $25 each — 1 per unit for the life of the mortgage
      loan Repair Garage Door $100/door for the life of the mortgage loan Pool Covers
      $1,200 for the life of the mortgage loan Repair/Replace Fence $300 for the life
      of the mortgage loan Repair/Replace Gate $300 for the life of the mortgage loan
      Repair/Replace Lanai $300 for the life of the mortgage loan Published May 13,
      2026 561 Deﬁned Expense Reimbursement Limits B. Yard Service Initial Grass Cut
      and Desert Landscaping (Less than 12” height) For the life of the mortgage loan:
      Less than 10,000 sq ft — $125 each 10,001 — 15,000 sq ft — $175 each 15,001
      — 25,000 sq ft — $200 each 25,001 — 35,000 sq ft — $225 each 35,001 — 43,560
      sq ft — $250 each Grass Re-cut and Desert Landscaping Per instance: Less than
      10,000 sq ft — $80 each 10,001 — 15,000 sq ft — $100 each 15,001 — 25,000 sq
      ft — $125 each 25,001 — 35,000 sq ft — $150 each 35,001 — 43,560 sq ft — $175
      each Trim Trees/Shrubs/Vines $500/calendar year C. Winterization Dry Winterization
      $150 for the ﬁrst unit for the life of the mortgage loan Wet/Steam Winterization
      $220 for the ﬁrst unit for the life of the mortgage loan Radiant Winterization
      $260 for the ﬁrst unit for the life of the mortgage loan Additional unit of
      any type of winterization $100 each for the life of the mortgage loan Re-Winterize
      $50 each/calendar year D. Health and Safety Cleaning Refrigerator and Stand
      Alone Freezer $100 each Published May 13, 2026 562 Deﬁned Expense Reimbursement
      Limits Moisture Control $30 per product, $360/calendar year Address Discoloration
      $400 for the life of the mortgage loan Cleaning Toilet $75 each, $375 maximum
      for the life of the loan Capping Wires $1 each Capping Gas/Water/Sewer Lines
      $25 each Extermination $100/calendar year Repair/Replace Deck $300 for the life
      of the mortgage loan Install/Repair/Replace Exterior Handrails $400 for the
      life of the mortgage loan Repair/Replace Steps $150 for the life of the mortgage
      loan E. Raw Garbage, Perishable Debris, and Personal Property *Combined maximum
      of 10 cubic yards for the life of the mortgage loan Raw Garbage and Perishable
      Debris — Interior/Exterior *$50/cubic yard Move Personal Property — Interior/Exterior
      *$20/cubic yard Dead Vermin/Animal Removal $75 for the life of the mortgage
      loan Roof Cleaning $100/calendar year F. Additional Allowable Items Aerial Imagery
      Report $75 for the life of the mortgage loan Address Posting $50 for the life
      of the mortgage loan Published May 13, 2026 563 Deﬁned Expense Reimbursement
      Limits Chimney Cap $250/cap — 2 per unit for the life of the mortgage loan Clean/Reattach
      Gutters $100/calendar year Repair/Replace Gutters $300/calendar year Snow Removal
      $100 each clearing, $1,000/calendar year Repair/Replace Sump Pump $300 for the
      life of the mortgage loan Utility Transfers and Shut Oﬀ $100 for one time shut
      oﬀ/transfer fee of each Utility Service $2,000 per initial utility service,
      $200 per service per month for the life of the mortgage loan Police/Fire Report
      $50 for the life of the mortgage loan Emergency Pump Water $500 for the life
      of the mortgage loan Graﬃti Removal $200 for the life of the mortgage loan Repair/Replace
      Fascia $160 for the life of the mortgage loan Repair/Replace Soﬃts $200 for
      the life of the mortgage loan Plumbing Services $150 for the life of the mortgage
      loan Vacancy Notice Posting $50 per unit with $50 for the life of the mortgage
      loan G. Damaged Properties Patch/Repair Roof $1,250 for the life of the mortgage
      loan Published May 13, 2026 564 Deﬁned Expense Reimbursement Limits Tarp Roof
      $1,000 for the life of the mortgage loan H. Code Violations Code Violations/Citations
      $1,000 per ﬁne/fee/lien$3,000 for the life of mortgage loan I. Registration
      Property Registration Actual cost to register per local requirement Reimbursement
      for Other Reimbursable Default-Related Legal Expenses In accordance with E-5-07,
      Other Reimbursable Default-Related Legal Expenses, Fannie Mae will reimburse
      the servicer for the following out-of-pocket costs that it pays to third-party
      vendors or the courts, as long as the costs are actual, reasonable, and necessary
      (and are included in any applicable FHA, VA, RD, or MI claim that is ﬁled):
      ﬁling costs and other costs required by the courts (including fees paid to a
      third-party vendor to ﬁle electronically except when an option to ﬁle or record
      electronically without vendor charges exists); trustee sale guarantees or other
      title foreclosure litigation reports; costs for posting notices of foreclosure
      sales; costs for publication of legal notices (reimbursable for California non-judicial
      foreclosures only if the notices are placed as speciﬁed by Fannie Mae); costs
      for publication placement services for allowable jurisdictions; costs of announcing
      postponements of foreclosure sales; costs of servicing summonses and complaints
      and other legal notices for which the law requires personal service; charges
      for brokers’ price opinions (or for appraisals, if Fannie Mae instructed the
      servicer to obtain them) that are obtained in connection with relief provisions,
      workout options, or if legally required to determine the amount of the foreclosure
      bid; the cost of recording any legal documents necessary to conduct the foreclosure
      (such as notices of default, notices of sale, substitutions of trustees, assignments,
      satisfaction documents, deeds), including fees paid to a third-party vendor
      to electronically record except when an option to ﬁle or record electronically
      without vendor charges exists; and other costs that Fannie Mae approves in advance,
      such as excess foreclosure title and publication costs, or that are speciﬁcally
      footnoted on the standard fee schedule that appears in Allowable Attorney Foreclosure
      Fees Exhibit. Note: Fannie Mae will not reimburse the servicer for any expense
      incurred in preparing or recording an assignment of the mortgage loan from MERS
      to either the servicer or Fannie Mae. Reassigning and re-registering the mortgage
      with MERS is not required by Fannie Mae and any such action will be at Published
      May 13, 2026 565 the discretion or and expense of the servicer. Fannie Mae will
      reimburse the servicer for postage costs incurred by law ﬁrms for ﬁrst-class
      mail and certiﬁed or registered mail when required, provided the postage costs
      are incurred by the law ﬁrm retained by the servicer to handle Fannie Mae foreclosure
      and bankruptcy matters on mailings that are required by state statute, or court
      rule or court order. Fannie Mae will not reimburse the servicer for postage
      costs incurred in connection with mailings by the servicer or law ﬁrm that are
      associated with servicer functions. Examples of mailings that are associated
      with servicer functions are demand and acceleration letters; communications
      with borrowers or third parties related to general servicing matters that are
      not required by state statute, court rule or order; correspondence addressing
      allegations of servicing or organization error; responses to Qualiﬁed Written
      Requests under RESPA; and responses to FDCPA letters. All postage costs must
      be actual, reasonable, and necessary. Fannie Mae will not reimburse the servicer
      for the cost of mailing preparation services, overnight mail, stationery envelopes,
      or postal meter rental. Under the provisions of 12 U.S.C. §1723a (c)(2), Fannie
      Mae is exempt from the imposition of revenue or documentary stamps (or the like)
      that are imposed pursuant to state law. Therefore, Fannie Mae will not reimburse
      the servicer for those items if it pays them. Recent Related Announcements The
      table below provides references to recently issued Announcements that are related
      to this topic. Announcements Issue Date Announcement SVC-2025-03 June 11, 2025
      Announcement SVC-2024-07 December 18, 2024 Announcement SVC-2024-04 July 10,
      2024 Announcement SVC-2023-05 October 11, 2023 Published May 13, 2026 566 Announcements
      Issue Date Announcement SVC-2023-01 March 8, 2023 Announcement SVC-2022-08 December
      21, 2022 Announcement SVC-2022-01 February 9, 2022 Announcement SVC-2021-02
      March 10, 2021 Announcement SVC-2020-04 September 9, 2020 Announcement SVC-2020-01
      February 12, 2020 Announcement SVC-2019-07 November 13, 2019 Announcement SVC-2019-03
      May 15, 2019'
  judgment: false
