Fannie Mae Selling Guide — Full Verbatim Text
The Fannie Mae Single Family Selling Guide — free, verbatim, and searchable. Fannie publishes it as one enormous guide; here it is broken into 382 individual sections across Parts A–D, each carrying the Guide’s exact text with 459 extracted requirements, plus clean section-scoped spreadsheet downloads.
Looking for a specific requirement — employment and income, self-employment, trust or rental income, credit history, gift funds and assets, DTI, occupancy, appraisal, condo and PUD review, mortgage insurance, closing documents? Jump to the section below. Every page is the verbatim Guide text, not a summary.
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Part A — Doing Business with Fannie Mae 39
A2
- FNMA Selling Guide A2-1-01 — Contractual Obligations for Sellers/Servicers
- Fannie Mae Selling Guide A2-1-02 — Nature of Mortgage Transaction
- Fannie Mae Selling Guide A2-1-03 — Indemnification for Losses
- FNMA Selling Guide A2-2-01 — Representations and Warranties Overview
- Fannie Mae Selling Guide A2-2-02 — Delivery Information and Delivery-Option Specific Representations and Warranties
- Fannie Mae Selling Guide A2-2-03 — Document Warranties
- Fannie Mae Selling Guide A2-2-05 — Invalidation of Limited Waiver of Representations and Warranties
- Fannie Mae Selling Guide A2-2-06 — Representations and Warranties on Property Value
- Fannie Mae Selling Guide A2-2-07 — Life-of-Loan Representations and Warranties
- Fannie Mae Selling Guide A2-3.1-01 — Lender Breach of Contract
- Fannie Mae Selling Guide A2-3.1-02 — Sanctions, Suspensions, and Terminations
- Fannie Mae Selling Guide A2-3.2-01 — Loan Repurchases and Make Whole Payments Requested Published May 6, 2026 43 by Fannie Mae
- Fannie Mae Selling Guide A2-3.2-03 — Remedies Framework
- Fannie Mae Selling Guide A2-3.3-01 — Compensatory Fees
- Fannie Mae Selling Guide A2-4.1-01 — Establishing Loan Files
- Fannie Mae Selling Guide A2-4.1-02 — Ownership and Retention of Loan Files and Records
- Fannie Mae Selling Guide A2-4.1-03 — Electronic Records, Signatures, and Transactions
- Fannie Mae Selling Guide A2-4.1-04 — Notarization Standards
- Fannie Mae Selling Guide A2-5-01 — Fannie Mae Trade Name and Trademarks
A3
- Fannie Mae Selling Guide A3-1-01 — Fannie Mae's Technology Products
- Fannie Mae Selling Guide A3-2-01 — Compliance With Laws
- Fannie Mae Selling Guide A3-2-02 — Responsible Lending Practices
- Fannie Mae Selling Guide A3-3-01 — Outsourcing of Mortgage Processing and Third-Party Originations
- Fannie Mae Selling Guide A3-3-02 — Concurrent Servicing Transfers
- Fannie Mae Selling Guide A3-3-03 — Other Servicing Arrangements
- Fannie Mae Selling Guide A3-3-04 — Document Custodians
- Fannie Mae Selling Guide A3-3-05 — Custody of Mortgage Documents
- Fannie Mae Selling Guide A3-4-01 — Confidentiality of Information
- Fannie Mae Selling Guide A3-4-02 — Data Quality and Integrity
- Fannie Mae Selling Guide A3-4-03 — Preventing, Detecting, and Reporting Mortgage Fraud
- Fannie Mae Selling Guide A3-5-01 — Fidelity Bond and Errors and Omissions Coverage Provisions
- Fannie Mae Selling Guide A3-5-02 — Fidelity Bond Policy Requirements
- Fannie Mae Selling Guide A3-5-03 — Errors and Omissions Policy Requirements
- Fannie Mae Selling Guide A3-5-04 — Reporting Fidelity Bond and Errors and Omissions Events
A4
- Fannie Mae Selling Guide A4-1-01 — Maintaining Seller/Servicer Eligibility
- Fannie Mae Selling Guide A4-1-02 — Submission of Financial Statements and Reports Published May 6, 2026 141
- Fannie Mae Selling Guide A4-1-03 — Report of Changes in the Seller/Servicer's Organization
- Fannie Mae Selling Guide A4-1-04 — Submission of Irrevocable Limited Powers of Attorney
Part B — Origination Through Closing 285
B1
B2
- Fannie Mae Selling Guide B2-1.1-01 — Occupancy Types
- Fannie Mae Single Family Selling Guide B2-1.2-01, Loan-to-Value (LTV) Ratios (06/01/2022)
- Fannie Mae Single Family Selling Guide B2-1.2-02, Combined Loan-to-Value (CLTV) Ratios (12/04/2018)
- Fannie Mae Single Family Selling Guide B2-1.2-03, Home Equity Combined Loan-to-Value (HCLTV) Ratios (02/23/2016)
- Fannie Mae Selling Guide B2-1.2-04 — Subordinate Financing
- Fannie Mae Selling Guide B2-1.3-01 — Purchase Transactions
- Fannie Mae Selling Guide B2-1.3-02 — Limited Cash-Out Refinance Transactions
- Fannie Mae Selling Guide B2-1.3-03 — Cash-Out Refinance Transactions
- Fannie Mae Selling Guide B2-1.3-04 — Prohibited Refinancing Practices
- Fannie Mae Selling Guide B2-1.3-05 — Payoff of Installment Land Contract Requirements
- Fannie Mae Selling Guide B2-1.4-01 — Fixed-Rate Loans
- Fannie Mae Single Family Selling Guide B2-1.4-02, Adjustable-Rate Mortgages (ARMs) (12/10/2025)
- Fannie Mae Selling Guide B2-1.4-03 — Convertible ARMs
- Fannie Mae Selling Guide B2-1.4-04 — Temporary Interest Rate Buydowns
- Fannie Mae Selling Guide B2-1.5-01 — Loan Limits
- Fannie Mae Selling Guide B2-1.5-02 — Loan Eligibility
- Fannie Mae Selling Guide B2-1.5-03 — Legal Requirements
- Fannie Mae Selling Guide B2-1.5-04 — Escrow Accounts
- Fannie Mae Selling Guide B2-1.5-05 — Principal Curtailments
- Fannie Mae Selling Guide B2-2-01 — General Borrower Eligibility Requirements
- Fannie Mae Selling Guide B2-2-02 — Non–U.S. Citizen Borrower Eligibility Requirements Published May 6, 2026 226
- Fannie Mae Selling Guide B2-2-03 — Multiple Financed Properties for the Same Borrower
- Fannie Mae Selling Guide B2-2-04 — Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction
- Fannie Mae Selling Guide B2-2-05 — Inter Vivos Revocable Trusts
- Fannie Mae Selling Guide B2-2-06 — Homeownership Education and Housing Counseling
- Fannie Mae Selling Guide B2-2-07 — First-Generation Homebuyer Loans
- Fannie Mae Selling Guide B2-3-01 — General Property Eligibility
- Fannie Mae Selling Guide B2-3-02 — Special Property Eligibility and Underwriting Considerations: Factory-Built Housing
- Fannie Mae Selling Guide B2-3-03 — Special Property Eligibility and Underwriting Considerations: Leasehold Estates
- Fannie Mae Selling Guide B2-3-04 — Special Property Eligibility Considerations
- Fannie Mae Selling Guide B2-3-05 — Properties Affected by a Disaster
B3
- Fannie Mae Selling Guide B3-1-01 — Comprehensive Risk Assessment
- Fannie Mae Selling Guide B3-2-01 — General Information on DU
- FNMA Selling Guide B3-2-02 — DU Validation Service
- Fannie Mae Selling Guide B3-2-03 — Risk Factors Evaluated by DU
- Fannie Mae Selling Guide B3-2-04 — DU Documentation Requirements
- Fannie Mae Selling Guide B3-2-05 — Approve/Eligible Recommendations
- Fannie Mae Selling Guide B3-2-06 — Approve/Ineligible Recommendations
- Fannie Mae Selling Guide B3-2-07 — Refer with Caution Recommendations
- Fannie Mae Selling Guide B3-2-08 — Out of Scope Recommendations
- Fannie Mae Selling Guide B3-2-09 — Erroneous Credit Report Data
- Fannie Mae Selling Guide B3-2-10 — Accuracy of DU Data, DU Tolerances, and Errors in the Credit Report
- Fannie Mae Selling Guide B3-2-11 — DU Underwriting Findings Report
- Fannie Mae Selling Guide B3-3.1-01 — General Income Information
- Fannie Mae Selling Guide B3-3.1-02 — Tax Return and Transcript Documentation Requirements
- Fannie Mae Selling Guide B3-3.1-03 — Income Calculator
- Fannie Mae Selling Guide B3-3.1-04 — Verbal Verification of Employment
- Fannie Mae Selling Guide B3-3.2-01 — Standards for Employment and Income Documentation
- Fannie Mae Selling Guide B3-3.2-02 — Standards for Employment-Related Income
- Fannie Mae Selling Guide B3-3.3-01 — Base Income
- Fannie Mae Selling Guide B3-3.3-02 — Bonus, Commission, Overtime, and Tip Income Published May 6, 2026 318
- Fannie Mae Selling Guide B3-3.3-03 — Employment Offers or Contracts
- Fannie Mae Single Family Selling Guide B3-3.3-04, Housing (Parsonage) and Automobile Allowances (03/04/2026)
- Fannie Mae Selling Guide B3-3.3-05 — Military Income
- Fannie Mae Selling Guide B3-3.3-06 — Mortgage Differential Payments Income
- Fannie Mae Selling Guide B3-3.3-07 — Restricted Stock Units and Restricted Stock Employment Income
- Fannie Mae Selling Guide B3-3.3-08 — Seasonal Income
- Fannie Mae Selling Guide B3-3.3-09 — Temporary Leave Income
- Fannie Mae Selling Guide B3-3.4-01 — General Requirements for Other Sources of Income
- Fannie Mae Selling Guide B3-3.4-02 — Alimony, Child Support, Equalization Payments, or Separate Maintenance
- Fannie Mae Selling Guide B3-3.4-03 — Annuity, Pension, or Retirement Income
- Fannie Mae Selling Guide B3-3.4-04 — Boarder Income
- Fannie Mae Selling Guide B3-3.4-05 — Capital Gains Income
- Fannie Mae Selling Guide B3-3.4-06 — Employment Related Assets as Qualifying Income
- Fannie Mae Selling Guide B3-3.4-07 — Foster-Care Income
- Fannie Mae Selling Guide B3-3.4-08 — Interest and Dividend Income
- Fannie Mae Selling Guide B3-3.4-09 — Long-term Disability Income
- Fannie Mae Selling Guide B3-3.4-10 — Mortgage Credit Certificates
- Fannie Mae Selling Guide B3-3.4-11 — Notes Receivable Income
- Fannie Mae Selling Guide B3-3.4-12 — Public Assistance Income
- Fannie Mae Selling Guide B3-3.4-13 — Royalty Payment Income
- Fannie Mae Selling Guide B3-3.4-14 — Section 8 Housing Choice Voucher Homeownership Program Payments
- Fannie Mae Selling Guide B3-3.4-15 — Social Security Income
- Fannie Mae Selling Guide B3-3.4-16 — Trust Income
- Fannie Mae Selling Guide B3-3.4-17 — Unemployment Benefits Income
- Fannie Mae Selling Guide B3-3.4-18 — VA Benefits Income
- Fannie Mae Selling Guide B3-3.4-19 — Schedule K-1 Income <25% Ownership
- Fannie Mae Selling Guide B3-3.5-01 — Underwriting Factors and Documentation for a Self- Employed Borrower
- Fannie Mae Selling Guide B3-3.5-02 — Business Structures
- Fannie Mae Selling Guide B3-3.5-03 — IRS Forms Quick Reference
- Fannie Mae Selling Guide B3-3.6-01 — General Information on Analyzing Individual Tax Returns
- Fannie Mae Selling Guide B3-3.6-02 — Income Reported on IRS Form 1040
- Fannie Mae Selling Guide B3-3.6-03 — Income or Loss Reported on IRS Form 1040, Schedule C
- Fannie Mae Selling Guide B3-3.6-04 — Income or Loss Reported on IRS Form 1040, Schedule D
- Fannie Mae Selling Guide B3-3.6-05 — Income or Loss Reported on IRS Form 1040, Schedule E
- Fannie Mae Selling Guide B3-3.6-06 — Income or Loss Reported on IRS Form 1040, Schedule F
- Fannie Mae Selling Guide B3-3.6-07 — Income or Loss Reported on IRS Form 1065 or IRS Form 1120S, Schedule K-1
- Fannie Mae Selling Guide B3-3.7-01 — Analyzing Partnership Returns for a Partnership or LLC
- Fannie Mae Selling Guide B3-3.7-02 — Analyzing Returns for an S Corporation
- Fannie Mae Selling Guide B3-3.7-03 — Analyzing Returns for a Corporation
- Fannie Mae Selling Guide B3-3.7-04 — Analyzing Profit and Loss Statements
- Fannie Mae Selling Guide B3-3.8-01 — Rental Income
- Fannie Mae Selling Guide B3-4.1-01 — Minimum Reserve Requirements
- Fannie Mae Single Family Selling Guide B3-4.1-02, Interested Party Contributions (IPCs) (05/07/2025)
- Fannie Mae Selling Guide B3-4.1-03 — Lender Incentives
- Fannie Mae Selling Guide B3-4.1-04 — Virtual Currency
- Fannie Mae Selling Guide B3-4.2-01 — Verification of Deposits and Assets
- Fannie Mae Selling Guide B3-4.2-02 — Depository Accounts
- Fannie Mae Selling Guide B3-4.2-03 — Individual Development Accounts
- Fannie Mae Single Family Selling Guide B3-4.2-04, Pooled Savings (Community Savings Funds) (04/01/2009)
- Fannie Mae Selling Guide B3-4.2-05 — Foreign Assets
- Fannie Mae Selling Guide B3-4.3-01 — Stocks, Stock Options, Bonds, and Mutual Funds
- Fannie Mae Selling Guide B3-4.3-02 — Trust Accounts
- Fannie Mae Selling Guide B3-4.3-03 — Retirement Accounts
- Fannie Mae Selling Guide B3-4.3-04 — Personal Gifts
- Fannie Mae Selling Guide B3-4.3-05 — Gifts of Equity
- Fannie Mae Selling Guide B3-4.3-06 — Grants and Lender Contributions
- Fannie Mae Selling Guide B3-4.3-07 — Disaster Relief Grants or Loans
- Fannie Mae Selling Guide B3-4.3-08 — Employer Assistance
- Fannie Mae Selling Guide B3-4.3-09 — Earnest Money Deposit
- Fannie Mae Selling Guide B3-4.3-10 — Anticipated Sales Proceeds
- Fannie Mae Selling Guide B3-4.3-11 — Trade Equity
- Fannie Mae Selling Guide B3-4.3-12 — Rent-Related Credits
- Fannie Mae Selling Guide B3-4.3-13 — Sweat Equity
- Fannie Mae Selling Guide B3-4.3-14 — Bridge/Swing Loans
- Fannie Mae Selling Guide B3-4.3-15 — Borrowed Funds Secured by an Asset
- Fannie Mae Selling Guide B3-4.3-16 — Credit Card Financing and Reward Points
- Fannie Mae Selling Guide B3-4.3-17 — Personal Unsecured Loans
- Fannie Mae Selling Guide B3-4.3-18 — Sale of Personal Assets
- Fannie Mae Selling Guide B3-4.3-19 — Cash Value of Life Insurance
- Fannie Mae Selling Guide B3-4.3-20 — Anticipated Savings and Cash-on-Hand
- Fannie Mae Selling Guide B3-4.3-21 — Borrower's Earned Real Estate Commission
- Fannie Mae Selling Guide B3-4.4-01 — DU Asset Verification
- Fannie Mae Selling Guide B3-4.4-02 — Requirements for Certain Assets in DU
- Fannie Mae Selling Guide B3-5.1-01 — General Requirements for Credit Scores
- Fannie Mae Selling Guide B3-5.1-02 — Determining the Credit Score for a Mortgage Loan
- Fannie Mae Selling Guide B3-5.2-01 — Requirements for Credit Reports
- Fannie Mae Selling Guide B3-5.2-02 — Types of Credit Reports
- Fannie Mae Selling Guide B3-5.2-03 — Accuracy of Credit Information in a Credit Report
- Fannie Mae Selling Guide B3-5.3-01 — Number and Age of Accounts
- Fannie Mae Selling Guide B3-5.3-02 — Payment History
- Fannie Mae Selling Guide B3-5.3-03 — Previous Mortgage Payment History
- Fannie Mae Selling Guide B3-5.3-04 — Inquiries: Recent Attempts to Obtain New Credit
- Fannie Mae Selling Guide B3-5.3-05 — Credit Utilization
- Fannie Mae Selling Guide B3-5.3-06 — Authorized Users of Credit
- Fannie Mae Selling Guide B3-5.3-07 — Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit
- Fannie Mae Selling Guide B3-5.3-08 — Extenuating Circumstances for Derogatory Credit
- Fannie Mae Selling Guide B3-5.3-09 — DU Credit Report Analysis
- Fannie Mae Selling Guide B3-5.4-01 — Eligibility Requirements for Loans with Nontraditional Credit
- Fannie Mae Selling Guide B3-5.4-02 — Number and Types of Nontraditional Credit References
- Fannie Mae Selling Guide B3-5.4-03 — Documentation and Assessment of a Nontraditional Credit History
- Fannie Mae Selling Guide B3-6-01 — General Information on Liabilities
- Fannie Mae Selling Guide B3-6-02 — Debt-to-Income Ratios PDF
- Fannie Mae Selling Guide B3-6-03 — Monthly Housing Expense for the Subject Property
- Fannie Mae Selling Guide B3-6-04 — Qualifying Payment Requirements
- Fannie Mae Selling Guide B3-6-05 — Monthly Debt Obligations
- Fannie Mae Selling Guide B3-6-06 — Qualifying Impact of Other Real Estate Owned
- Fannie Mae Selling Guide B3-6-07 — Debts Paid Off At or Prior to Closing
- Fannie Mae Selling Guide B3-6-08 — DU: Requirements for Liability Assessment
B4
- Fannie Mae Selling Guide B4-1.1-01 — Definition of Market Value
- Fannie Mae Selling Guide B4-1.1-02 — Lender Responsibilities
- Fannie Mae Selling Guide B4-1.1-03 — Appraiser Selection Criteria
- Fannie Mae Selling Guide B4-1.1-04 — Unacceptable Appraisal Practices
- Fannie Mae Selling Guide B4-1.1-05 — Disclosure of Information to Appraisers
- Fannie Mae Selling Guide B4-1.2-01 — Appraisal Report Forms and Exhibits
- Fannie Mae Selling Guide B4-1.2-02 — Desktop Appraisals
- Fannie Mae Selling Guide B4-1.2-03 — Hybrid Appraisals
- Fannie Mae Selling Guide B4-1.2-04 — Appraisal Age and Use Requirements
- Fannie Mae Selling Guide B4-1.2-05 — Requirements for Verifying Completion and Postponed Improvements
- Fannie Mae Selling Guide B4-1.3-01 — Review of the Appraisal Report
- Fannie Mae Selling Guide B4-1.3-02 — Subject and Contract Sections of the Appraisal Report
- Fannie Mae Selling Guide B4-1.3-03 — Neighborhood Section of the Appraisal Report
- Fannie Mae Selling Guide B4-1.3-04 — Site Section of the Appraisal Report
- Fannie Mae Selling Guide B4-1.3-05 — Improvements Section of the Appraisal Report
- Fannie Mae Selling Guide B4-1.3-06 — Property Condition and Quality of Construction of the Improvements
- Fannie Mae Selling Guide B4-1.3-07 — Sales Comparison Approach Section of the Appraisal Report
- Fannie Mae Selling Guide B4-1.3-08 — Comparable Sales
- Fannie Mae Selling Guide B4-1.3-09 — Adjustments to Comparable Sales
- Fannie Mae Selling Guide B4-1.3-10 — Cost and Income Approach to Value
- Fannie Mae Selling Guide B4-1.3-11 — Valuation Analysis and Reconciliation
- Fannie Mae Selling Guide B4-1.3-12 — Appraisal Quality Matters
- Fannie Mae Selling Guide B4-1.4-01 — Factory-Built Housing: Manufactured Housing Published May 6, 2026 594
- Fannie Mae Selling Guide B4-1.4-02 — Factory-Built Housing: Modular, Prefabricated, Panelized, or Sectional Housing
- Fannie Mae Selling Guide B4-1.4-03 — Condo Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-04 — Co-op Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-05 — Leasehold Interests Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-06 — Community Land Trust Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-07 — Mixed-Use Property Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-08 — Environmental Hazards Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-09 — Special Assessment or Community Facilities Districts Appraisal Requirements
- Fannie Mae Selling Guide B4-1.4-10 — Value Acceptance
- Fannie Mae Selling Guide B4-1.4-11 — Value Acceptance + Property Data
- Fannie Mae Selling Guide B4-2.1-01 — General Information on Project Standards
- Fannie Mae Selling Guide B4-2.1-02 — Waiver of Project Review
- Fannie Mae Selling Guide B4-2.1-03 — Ineligible Projects
- Fannie Mae Selling Guide B4-2.1-04 — Environmental Hazard Assessments
- Fannie Mae Selling Guide B4-2.1-05 — Unacceptable Environmental Hazards
- Fannie Mae Selling Guide B4-2.1-06 — Remedial Actions for Environmental Hazard Assessments Below Standards
- Fannie Mae Selling Guide B4-2.2-01 — Limited Review Process
- Fannie Mae Selling Guide B4-2.2-02 — Full Review Process
- Fannie Mae Selling Guide B4-2.2-04 — Geographic-Specific Condo Project Considerations
- Fannie Mae Selling Guide B4-2.2-05 — FHA-Approved Condo Review Eligibility
- Fannie Mae Single Family Selling Guide B4-2.2-06, Project Eligibility Review Service (PERS) (06/04/2025)
- Fannie Mae Selling Guide B4-2.2-07 — Projects with Special Considerations
- Fannie Mae Selling Guide B4-2.3-01 — Eligibility Requirements for Units in PUD Projects
- Fannie Mae Selling Guide B4-2.3-02 — Co-op Project Eligibility
- Fannie Mae Selling Guide B4-2.3-03 — Legal Requirements for Co-op Projects
- Fannie Mae Selling Guide B4-2.3-04 — Loan Eligibility for Co-op Share Loans
B5
- Fannie Mae Selling Guide B5-1-01 — High-Balance Mortgage Loan Eligibility and Underwriting
- Fannie Mae Selling Guide B5-1-02 — High-Balance Pricing, Mortgage Insurance, Special Feature Codes, and Delivery Limitations
- Fannie Mae Selling Guide B5-2-01 — Manufactured Housing
- Fannie Mae Selling Guide B5-2-02 — Manufactured Housing Loan Eligibility
- Fannie Mae Selling Guide B5-2-03 — Manufactured Housing Underwriting Requirements
- Fannie Mae Selling Guide B5-2-04 — Manufactured Housing Pricing, Mortgage Insurance, and Loan Delivery Requirements
- Fannie Mae Selling Guide B5-2-05 — Manufactured Housing Legal Considerations
- Fannie Mae Selling Guide B5-3.1-01 — Conversion of Construction-to-Permanent Financing: Overview
- Fannie Mae Selling Guide B5-3.1-02 — Conversion of Construction-to-Permanent Financing: Single-Closing Transactions
- Fannie Mae Selling Guide B5-3.1-03 — Conversion of Construction-to-Permanent Financing: Two- Closing Transactions
- Fannie Mae Selling Guide B5-3.2-01 — HomeStyle Renovation Mortgages
- Fannie Mae Selling Guide B5-3.2-02 — HomeStyle Renovation Mortgages: Loan and Borrower Eligibility
- Fannie Mae Selling Guide B5-3.2-03 — HomeStyle Renovation Mortgages: Collateral Considerations
- Fannie Mae Selling Guide B5-3.2-04 — HomeStyle Renovation Mortgages: Costs and Escrow Accounts
- Fannie Mae Selling Guide B5-3.2-05 — HomeStyle Renovation Mortgages: Completion Certification
- Fannie Mae Selling Guide B5-3.2-06 — HomeStyle Renovation: Renovation Contract, Renovation Loan Agreement, and Lien Waiver
- Fannie Mae Selling Guide B5-3.3-01 — HomeStyle Refresh for Improvements on Existing Properties
- Fannie Mae Selling Guide B5-3.4-01 — Property Assessed Clean Energy Loans
- Fannie Mae Single Family Selling Guide B5-4.1-01, Texas Section 50(a)(6) Loans (12/19/2017)
- Fannie Mae Single Family Selling Guide B5-4.1-02, Texas Section 50(a)(6) Loan Eligibility (12/16/2020)
- Fannie Mae Single Family Selling Guide B5-4.2-01, Native American Conventional Lending Initiative (NACLI) (06/26/2012)
- Fannie Mae Selling Guide B5-4.2-02 — Disaster-Related Limited Cash-Out Refinance Flexibilities
- Fannie Mae Selling Guide B5-4.2-03 — Loans Secured by HomePath Properties
- Fannie Mae Selling Guide B5-5.1-01 — Community Seconds Loans
- Fannie Mae Selling Guide B5-5.1-02 — Community Seconds Loan Eligibility
- Fannie Mae Selling Guide B5-5.1-03 — Community Seconds: Shared Appreciation Transactions
- Fannie Mae Selling Guide B5-5.2-01 — Loans With Resale Restrictions: General Information
- Fannie Mae Selling Guide B5-5.2-02 — Loans with Resale Restrictions: Eligibility, Collateral and Delivery Requirements
- Fannie Mae Selling Guide B5-5.3-01 — Shared Equity Overview
- Fannie Mae Selling Guide B5-5.3-02 — Shared Equity Transactions: General Requirements
- Fannie Mae Selling Guide B5-5.3-03 — Shared Equity Transactions: Eligibility, Underwriting and Collateral Requirements
- Fannie Mae Selling Guide B5-5.3-04 — Massachusetts Resale Restriction Loan Eligibility Requirements
- Fannie Mae Selling Guide B5-6-01 — HomeReady Mortgage Loan and Borrower Eligibility
- Fannie Mae Selling Guide B5-6-02 — HomeReady Mortgage Underwriting Methods and Requirements
- Fannie Mae Selling Guide B5-6-03 — HomeReady Mortgage Loan Pricing, Mortgage Insurance, and Special Feature Codes
- Fannie Mae Selling Guide B5-7-01 — High LTV Refinance Loan and Borrower Eligibility
- Fannie Mae Single Family Selling Guide B5-7-02, High LTV Refinance Underwriting, Documentation, and Collateral Requirements for the New Loan (09/03/2025)
- Fannie Mae Selling Guide B5-7-03 — High LTV Refinance Alternative Qualification Path
- Fannie Mae Selling Guide B5-7-04 — High LTV Refinance Representations and Warranties
- Fannie Mae Selling Guide B5-7-05 — High LTV Refinance Pricing, Mortgage Insurance, and Special Feature Codes
B6
- Fannie Mae Selling Guide B6-1-01 — General Government Mortgage Loan Requirements
- Fannie Mae Selling Guide B6-1-02 — Eligible FHA-Insured Mortgage Loans
- Fannie Mae Selling Guide B6-1-03 — Eligible VA-Guaranteed Mortgages
- Fannie Mae Selling Guide B6-1-04 — Eligible HUD-Guaranteed Section 184 Mortgages
- Fannie Mae Selling Guide B6-1-05 — Eligible RD-Guaranteed Mortgages
B7
- Fannie Mae Selling Guide B7-1-01 — Provision of Mortgage Insurance
- Fannie Mae Selling Guide B7-1-02 — Mortgage Insurance Coverage Requirements
- Fannie Mae Selling Guide B7-1-03 — Lender-Purchased Mortgage Insurance
- Fannie Mae Selling Guide B7-1-04 — Financed Borrower-Purchased Mortgage Insurance
- Fannie Mae Selling Guide B7-1-05 — Government Mortgage Loan Guaranty or Insurance
- Fannie Mae Selling Guide B7-2-01 — Provision of Title Insurance
- Fannie Mae Selling Guide B7-2-02 — Title Insurer Requirements
- Fannie Mae Selling Guide B7-2-03 — General Title Insurance Coverage
- Fannie Mae Selling Guide B7-2-04 — Special Title Insurance Coverage Considerations
- Fannie Mae Selling Guide B7-2-05 — Title Exceptions and Impediments
- Fannie Mae Selling Guide B7-2-06 — Attorney Title Opinion Letter Requirements
- Fannie Mae Selling Guide B7-3-01 — General Property Insurance Requirements for All Property Published May 6, 2026 856 Types
- Fannie Mae Selling Guide B7-3-02 — Property Insurance Requirements for One-to Four-Unit Properties
- Fannie Mae Selling Guide B7-3-03 — Master Property Insurance Requirements for Project Developments
- Fannie Mae Selling Guide B7-3-04 — Individual Property Insurance Requirements for a Unit in a Project Development
- Fannie Mae Selling Guide B7-3-05 — Additional Insurance Requirements
- Fannie Mae Selling Guide B7-3-06 — Flood Insurance Requirements for All Property Types
- Fannie Mae Selling Guide B7-3-07 — Evidence of Property Insurance
- Fannie Mae Selling Guide B7-3-08 — Mortgagee Clause, Named Insured, and Notice of Cancellation Requirements
- Fannie Mae Selling Guide B7-4-01 — General Liability Insurance Requirements for Project Developments
- Fannie Mae Selling Guide B7-4-02 — Fidelity/Crime Insurance Requirements for Project Developments
B8
- Fannie Mae Selling Guide B8-1-01 — Publication of Legal Documents
- Fannie Mae Selling Guide B8-2-01 — Security Instruments for Conventional Mortgages
- Fannie Mae Selling Guide B8-2-02 — Special-Purpose Security Instruments
- Fannie Mae Selling Guide B8-2-03 — Signature Requirements for Security Instruments
- Fannie Mae Selling Guide B8-3-01 — Notes for Conventional Mortgages
- Fannie Mae Selling Guide B8-3-02 — Special Note Provisions and Language Requirements
- Fannie Mae Selling Guide B8-3-03 — Signature Requirements for Notes
- Fannie Mae Selling Guide B8-3-04 — Note Endorsement
- Fannie Mae Selling Guide B8-4-01 — Riders and Addenda
- Fannie Mae Selling Guide B8-5-01 — General Information on Special-Purpose Legal Documents
- Fannie Mae Selling Guide B8-5-02 — Inter Vivos Revocable Trust Mortgage Documentation and Signature Requirements
- Fannie Mae Selling Guide B8-5-03 — HomeStyle Renovation Mortgage Documentation Requirements
- Fannie Mae Selling Guide B8-5-04 — Sample Legal Documents
- Fannie Mae Selling Guide B8-5-05 — Requirements for Use of a Power of Attorney
- Fannie Mae Selling Guide B8-6-01 — Authorized Use of Intervening and Blanket Assignments
- Fannie Mae Single Family Selling Guide B8-7-01, Mortgage Electronic Registration Systems (MERS), Inc. (05/01/2024)
- Fannie Mae Selling Guide B8-8-01 — General Information on eMortgages
- Fannie Mae Selling Guide B8-8-02 — Requirements for Creating, Closing, and Correcting eNotes
Part C — Delivery, Committing & Selling 47
C1
- Fannie Mae Selling Guide C1-1-01 — Execution Options
- Fannie Mae Selling Guide C1-2-01 — General Information on Delivering Loan Data and Documents
- Fannie Mae Selling Guide C1-2-02 — Loan Data and Documentation Delivery Requirements
- Fannie Mae Selling Guide C1-2-04 — Delivering eMortgages to Fannie Mae
- Fannie Mae Selling Guide C1-2-05 — Delivering Green MBS to Fannie Mae
- Fannie Mae Selling Guide C1-2-06 — Bailee Letters
- Fannie Mae Selling Guide C1-3-01 — General Information on Remittance Types
C2
- Fannie Mae Selling Guide C2-1.1-01 — Mandatory Commitment Process
- Fannie Mae Selling Guide C2-1.1-02 — General Information about Mandatory Commitment Pricing and Fees
- Fannie Mae Selling Guide C2-1.1-03 — Mandatory Commitment Terms, Amounts, Periods and Other Requirements
- Fannie Mae Selling Guide C2-1.1-04 — Mandatory Commitment Extensions and Pair-Offs
- Fannie Mae Selling Guide C2-1.1-05 — Servicing Fees
- Fannie Mae Selling Guide C2-1.1-06 — Accrued Interest Payments for Regularly Amortizing Mortgages
- Fannie Mae Selling Guide C2-1.1-07 — Standard ARM and Converted ARM Resale Commitments
- Fannie Mae Selling Guide C2-1.2-01 — Best Efforts Commitment Process
- Fannie Mae Selling Guide C2-1.2-02 — Best Efforts Commitment Pricing, Periods, and Fees
- Fannie Mae Selling Guide C2-1.2-03 — Best Efforts Commitment Terms, Amounts, and Other Requirements
- Fannie Mae Selling Guide C2-1.3-01 — Servicing Marketplace
- Fannie Mae Selling Guide C2-2-01 — General Requirements for Good Delivery of Whole Loans
- Fannie Mae Selling Guide C2-2-02 — Documentation Requirements for Whole Loan Deliveries
- Fannie Mae Selling Guide C2-2-03 — General Information on Whole Loan Purchasing Policies
- Fannie Mae Selling Guide C2-2-04 — Timing of Distribution of Whole Loan Purchase Proceeds
- Fannie Mae Selling Guide C2-2-05 — Whole Loan Purchasing Process
- Fannie Mae Selling Guide C2-2-06 — Authorization to Transfer Funds
- Fannie Mae Selling Guide C2-2-07 — Purchase Payee Codes
C3
- Fannie Mae Selling Guide C3-1-01 — General Information About Fannie Mae's MBS Program
- Fannie Mae Selling Guide C3-1-02 — Preparing to Pool Loans into MBS
- Fannie Mae Selling Guide C3-2-01 — Determining Eligibility for Loans Pooled into MBS
- Fannie Mae Selling Guide C3-2-02 — Selecting a Servicing Option
- Fannie Mae Selling Guide C3-2-03 — MBS Remittance Type and Selecting a Remittance Cycle Published May 6, 2026 987
- Fannie Mae Selling Guide C3-2-04 — Mandatory MBS Commitments
- Fannie Mae Selling Guide C3-3-01 — Determining and Remitting Guaranty Fees
- Fannie Mae Selling Guide C3-3-02 — Accessing Buyup and Buydown Ratios and Calculating Payments or Charges
- Fannie Mae Selling Guide C3-3-03 — Buying Up and Buying Down the Guaranty Fee for MBS
- Fannie Mae Selling Guide C3-4-01 — Term-Related Fixed-Rate Mortgage Pooling Parameters
- Fannie Mae Selling Guide C3-5-01 — Creating Weighted-Average ARM MBS
- Fannie Mae Single Family Selling Guide C3-5-02, Calculating the Weighted-Average Pool Accrual Rates for ARM Flex Pools Using a Fixed MBS Margin (04/01/2009)
- Fannie Mae Selling Guide C3-5-04 — Pooling ARMs with a Conversion Option
- Fannie Mae Selling Guide C3-5-05 — Commingling ARMs in MBS
- Fannie Mae Selling Guide C3-6-01 — Parameters for Pooling Loans Into Fannie Majors
- Fannie Mae Selling Guide C3-7-01 — Establishing an MBS Trading Account
- Fannie Mae Selling Guide C3-7-02 — Initiating an MBS Sale
- Fannie Mae Selling Guide C3-7-03 — Making Good Delivery
- Fannie Mae Selling Guide C3-7-04 — Delivering MBS Pool Data and Documents
- Fannie Mae Selling Guide C3-7-05 — Confirming Presettlement Information
- Fannie Mae Selling Guide C3-7-06 — Settling the Trade
- Fannie Mae Selling Guide C3-7-07 — Sale of Fannie Mae Securities to Third Parties
Part D — Ensuring Quality of Acquired Loans 10
D1
- Fannie Mae Selling Guide D1-1-01 — Lender Quality Control Programs, Plans, and Processes
- Fannie Mae Selling Guide D1-1-02 — Lender Quality Control Staffing and Outsourcing of the Quality Control Process
- Fannie Mae Selling Guide D1-1-03 — Lender Quality Control Reporting
- Fannie Mae Selling Guide D1-2-01 — Lender Prefunding Quality Control Review Process
- Fannie Mae Selling Guide D1-3-01 — Lender Post-Closing Quality Control Review Process
- Fannie Mae Selling Guide D1-3-03 — Lender Post-Closing Quality Control Reverifications
D2
- Fannie Mae Selling Guide D2-1-01 — General Information on Fannie Mae QC Reviews
- Fannie Mae Selling Guide D2-1-02 — Fannie Mae QC File Request and Submission Requirements
- Fannie Mae Selling Guide D2-1-03 — Outcomes of Fannie Mae QC Reviews
- Fannie Mae Selling Guide D2-1-04 — Identifying and Remedying Origination Defects Under the Remedies Framework
Other (Lender Letters / Notices) 1
382 sections in total.
Operationalizing the Selling Guide
This is Fannie Mae’s own words, source-verified — the grounding you need to check your policies and procedures against Selling Guide requirements, operationalize a change, and produce audit-ready evidence, all without invented text. See how the corpus is built and verified, the Fannie Mae Servicing Guide, and the regulatory update kits. Free to read and download · compiled by Claude for Compliance.