source:
  type: guide
  id: fnma-svc-e-3.2-05
  authority: Fannie Mae Servicing Guide E-3.2-05 — Expected Servicer/Attorney Interaction
    During Foreclosure Proceedings
  description: Fannie Mae Servicing Guide E-3.2-05 — Expected Servicer/Attorney Interaction
    During Foreclosure Proceedings.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-3.2-05-full
  canonical_id: fnma-svc-e-3.2-05-full
  section: Fannie Mae Servicing Guide E-3.2-05 — Expected Servicer/Attorney Interaction
    During Foreclosure Proceedings
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-3.2-05 — Expected Servicer/Attorney Interaction
      During Foreclosure Proceedings
    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-3.2-05, Expected Servicer/Attorney Interaction During Foreclosure
      Proceedings (04/10/2019) Fannie Mae requires the servicer and the law ﬁrm to
      interact throughout the course of foreclosure proceedings. Some of the key instances
      of this interaction are listed in the following table. Please note that this
      list is not intended to be all-inclusive as there will be other mortgage loan
      and jurisdictional speciﬁc servicing obligations; therefore, the servicer must
      respond to any law ﬁrm requests consistent with the requirements and time frames
      set forth in the following table. The law ﬁrm will… And the servicer must… acknowledge
      receipt of the referral package (and indicate whether or not it is complete)
      within two business days provide any required missing documents or additional
      information to the law ﬁrm (including veriﬁcations, certiﬁcations, documentation,
      and signatures) within three business days after it receives the law ﬁrm’s request
      for the items. Note: To ensure that this timeline is met, a servicer should
      consider giving the law ﬁrm a LPOA, or other similar alternative. notify the
      servicer of the scheduled foreclosure sale date, or in applicable foreclosure
      actions where there is no foreclosure sale and title is transferred by court
      order, the estimated court order docket date provide the law ﬁrm with bidding
      instructions at least ﬁve business days before the scheduled sale date. If the
      servicer’s failure to provide bidding instructions results in the continuance
      or postponement of a scheduled foreclosure sale, Fannie Mae will not reimburse
      the servicer for the attorneys’ fees and costs incurred as a result of the continuance
      or postponement. Note: The servicer must advise the law ﬁrm if a deﬁciency judgment
      is to be pursued after the sale in Louisiana. Published May 13, 2026 447 The
      law ﬁrm will… And the servicer must… request an advance of funds from the servicer
      when it is required to make a signiﬁcant advance in connection with the foreclosure
      proceedings. respond to the law ﬁrm’s request for an advance of funds to defray
      out-of-pocket costs within ten business days in any instance in which the law
      ﬁrm is required to make a signiﬁcant advance in connection with the foreclosure.
      Recent Related Announcements The table below provides references to recently
      issued Announcements that are related to this topic. Announcements Issue Date
      Announcement SVC-2019-02 April 10, 2019'
  judgment: false
