source:
  type: guide
  id: fnma-svc-a2-3-05
  authority: Fannie Mae Servicing Guide A2-3-05 — Fees for Certain Servicing Activities
  description: Fannie Mae Servicing Guide A2-3-05 — Fees for Certain Servicing Activities.
  coverage_tier: operative
obligations:
- id: fnma-svc-a2-3-05-full
  canonical_id: fnma-svc-a2-3-05-full
  section: Fannie Mae Servicing Guide A2-3-05 — Fees for Certain Servicing Activities
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide A2-3-05 — Fees for Certain Servicing Activities
    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: 'A2-3-05, Fees for Certain Servicing Activities (11/08/2017)
      Introduction This topic contains the following: Prohibited Fees for Servicing
      Allowable Fees for Servicing Additional Fee Assessment Guidelines Prohibited
      Fees for Servicing The servicer is not authorized to charge the borrower fees
      relating to the following activities: handling borrower disputes; facilitating
      routine borrower collections; arranging repayment or forbearance plans; sending
      borrowers notices (sometimes called “demand” or “breach” letters) relating to
      nonpayment of principal, interest, taxes, or insurance in advance of a formal
      acceleration notice that matures the mortgage loan principal balance and begins
      the foreclosure process; and updating the servicer’s records to “reinstate”
      a mortgage loan that has been brought current. Allowable Fees for Servicing
      The servicing fee generally is not intended to encompass certain additional
      work that the servicer performs at the borrower’s request or on the borrower’s
      behalf, including but not limited to: a change in ownership of the security
      property, replacement of insurance policies, Published May 13, 2026 91 a release
      or partial release of security, providing expedited service via fax, providing
      more than one payoﬀ statement in a short period of time (or even a single payoﬀ
      statement if applicable law expressly permits a borrower fee), providing duplicate
      copies of mortgage loan documents, accepting a “phone pay” payment, and consummating
      the assumption of a mortgage loan. Additional Fee Assessment Guidelines The
      following table describes additional fee assessment guidelines based on activities
      for ARM loan adjustments or assumptions. For… The servicer… ARM loan adjustments
      may not charge fees for the interest rate or payment changes that are required
      periodically for ARM loans, although it may charge a processing fee to cover
      the administrative costs of converting an ARM loan to a ﬁxed-rate mortgage loan,
      limited to $100 for most ARM plans or $250 for ARM plans that include a monthly
      conversion option. transfers of ownership, assumptions, and releases of liability
      of conventional mortgage loans must limit the assumption fee, although out-of-pocket
      expenses for processing the transaction —such as the cost of the credit report
      —may be charged at actual cost. Fannie Mae considers the following fee schedule
      to be reasonable; however, if the servicer’s costs do not warrant these fees,
      it should charge lower fees: • $100 if the transfer of ownership does not require
      a review of the purchaser’s (transferee) credit, or • the greater of $400 or
      1% of the UPB of the mortgage loan —up to a maximum of $900 —if the transfer
      of ownership requires credit approval of the transferee or a release of liability
      is requested. The servicer must advise Fannie Mae of any fees it collects for
      a transfer of ownership as part of the monthly activity information it provides
      through the Fannie Mae investor reporting system. assumptions of FHA or VA mortgage
      loans must follow FHA or VA requirements regarding the maximum allowable assumption
      fees for these government mortgage loans. Recent Related Announcements There
      are no recently issued Announcements related to this topic. Published May 13,
      2026 92'
  judgment: false
