source:
  type: guide
  id: fnma-sel-d2-1-02
  authority: Fannie Mae Selling Guide D2-1-02 — Fannie Mae QC File Request and Submission
    Requirements
  description: Fannie Mae Selling Guide D2-1-02 — Fannie Mae QC File Request and Submission
    Requirements.
  coverage_tier: operative
obligations:
- id: fnma-sel-d2-1-02-full
  canonical_id: fnma-sel-d2-1-02-full
  section: Fannie Mae Selling Guide D2-1-02 — Fannie Mae QC File Request and Submission
    Requirements
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide D2-1-02 — Fannie Mae QC File Request and Submission
      Requirements
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/selling-guide
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-05-25T14:09:57Z'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: 'D2-1-02, Fannie Mae QC File Request and Submission Requirements
      (03/06/2024) Introduction This topic contains information on Fannie Mae QC requests
      for loan ﬁles, including: Published May 6, 2026 1062 Notiﬁcation of a QC Review
      Document Submission Requirements Loan File Delivery Timeline Notiﬁcation of
      a QC Review Lenders are notiﬁed which loans Fannie Mae has selected for QC review
      via an email sent by Fannie Mae’s Loan Quality Connect. Therefore, lenders are
      required to register for Loan Quality Connect to obtain access to it. Document
      Submission Requirements Lenders must maintain a complete loan ﬁle, including
      all documents used to support the underwriting decision. Upon Fannie Mae’s request,
      lenders must provide electronic copies of the complete loan ﬁle, as described
      in the request. When a third-party asset veriﬁcation report is provided to DU
      for an assessment of rent payment history or a cash ﬂow assessment, an asset
      veriﬁcation report covering the minimum period of time described in A2-4.1-01,
      Establishing Loan Files, is required to be maintained in the loan ﬁle and provided
      upon request. When income or employment are validated by the DU validation service
      using an asset veriﬁcation report, the asset report covering the period of time
      that is required to be retained in the loan ﬁle (that is, 30- or 60- days) must
      be provided upon request. The lender will be required to provide the full asset
      veriﬁcation report containing the entirety of the data provided to DU only if
      requested by Fannie Mae. Loan ﬁles or documents can be uploaded using the drag-and-drop
      feature or by uploading to the corresponding task in Loan Quality Connect. Lenders
      should contact the Loan Quality Center for assistance in determining which electronic
      option best aligns with their business needs and operations, and to initiate
      the on-boarding process, if they have not already done so. See the following
      resources for additional information: Bulk Upload of Loan Files or Documents
      E-1-02, List of Contacts, for the Digital Data Control Team - LQC; and Loan
      Quality Connect. Loan ﬁles must include clear, complete “copies” of any required
      documents. Lenders should remove all duplicate documents before sending in the
      ﬁle. The requested ﬁles must include the applicable documentation listed in
      the Post-Closing Loan File Document Checklist (Form 1032). For information concerning
      the required contents of a loan ﬁle, see A2-4.1-02, Ownership and Retention
      of Loan Files and Records. (Completion and submission of Form 1032 is optional.)
      Lenders must follow the electronic submission naming protocol to associate the
      Fannie Mae loan number with the electronic ﬁle. Lenders that are unable to submit
      loan ﬁles in the supported format should contact the Loan Quality Center to
      determine if an alternate format may be used as an interim submission method.
      To avoid non-compliant loan ﬁles, lenders should not submit loan ﬁles using
      an alternate method without approval from the Loan Quality Center to ensure
      that Fannie Mae can access and review the loan ﬁle documentation and that the
      lender receives credit for the loan ﬁle submission. Loan ﬁles submitted using
      an alternate method (for example, paper ﬁles) without prior approval from the
      Loan Quality Center may not be accepted. Published May 6, 2026 1063 Loan File
      Delivery Timeline Lenders must send the requested documentation for an underwriting,
      servicing, or data validation review within 30 days after Fannie Mae notiﬁes
      the lender that it has selected a loan for review. Fannie Mae, in its sole discretion,
      may request the documentation in a shorter or longer period of time based upon
      circumstances at the time. Fannie Mae will make every eﬀort to work with lenders
      when extenuating circumstances prevent them from delivering documentation in
      a timely manner. However, if a lender delays in providing the requested information,
      Fannie Mae, in its sole discretion, may require indemniﬁcation or repurchase
      (depending on the circumstances of the individual case) of these loans. When
      a lender has a pattern of extensive delays or unresponsiveness, Fannie Mae may
      consider this a breach of contract and consider other actions against the lender,
      up to and including termination. Recent Related Announcements The table below
      provides references to recently issued Announcements that are related to this
      topic. Announcements Issue Date Announcement SEL-2024-02 March 06, 2024 Announcement
      SEL-2023-01 February 01, 2023 Announcement SEL-2022-09 October 05, 2022 Announcement
      SEL-2019-03 April 03, 2019 Announcement SEL-2019-01 February 06, 2019'
  judgment: false
