Fannie Mae Selling Guide B3-4.1-03 — Lender Incentives

fnma-sel-b3-4-1-03

Fannie Mae Selling Guide B3-4.1-03 — Lender Incentives.

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      paragraph_quote: 'B3-4.1-03, Lender Incentives (07/02/2025) Introduction This topic contains information on lender incentives. Lender Incentives Lender Incentives The lender may provide the borrower, either directly or through a third-party, with an incentive such as cash, a cash-like gift (for example, a gift card), or other item of value that is not a lender credit toward the loan transaction. The incentive may be oﬀered on all loans as part of a promotion or lender program, provided that the incentive is not sourced from the loan transaction (for example, premium pricing), the borrower qualiﬁes without consideration of the incentive (for example, the incentive cannot be considered borrower assets, used to reduce the payment on an outstanding credit card account, or included in maximum cash back to borrower at closing calculation), and no repayment is required. When the lender is, or is aﬃliated with, an interested party to the transaction, the incentive must be treated as a sales concession. Note: If the lender is providing a credit toward the borrower''s closing costs and/or prepaid items, those funds are considered a lender contribution (not a lender incentive). See B3-4.3-06, Grants and Lender Contributions, for information about lender contributions. Recent Related Announcements The table below provides references to recently issued Announcements that are related to this topic. Published May 6, 2026 411 Announcements Issue Date Announcement SEL-2025-05 July 02, 2025 Announcement SEL-2025-03 May 07, 2025 Announcement SEL-2024-04 June 5, 2024 Announcement SEL-2020-07 December 16, 2020'

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Fannie Mae Selling Guide B3-4.1-03 — Lender Incentives

B3-4.1-03, Lender Incentives (07/02/2025) Introduction This topic contains information on lender incentives. Lender Incentives Lender Incentives The lender may provide the borrower, either directly or through a third-party, with an incentive such as cash, a cash-like gift (for example, a gift card), or other item of value that is not a lender credit toward the loan transaction. The incentive may be oﬀered on all loans as part of a promotion or lender program, provided that the incentive is not sourced from the loan transaction (for example, premium pricing), the borrower qualiﬁes without consideration of the incentive (for example, the incentive cannot be considered borrower assets, used to reduce the payment on an outstanding credit card account, or included in maximum cash back to borrower at closing calculation), and no repayment is required. When the lender is, or is aﬃliated with, an interested party to the transaction, the incentive must be treated as a sales concession. Note: If the lender is providing a credit toward the borrower's closing costs and/or prepaid items, those funds are considered a lender contribution (not a lender incentive). See B3-4.3-06, Grants and Lender Contributions, for information about lender contributions. Recent Related Announcements The table below provides references to recently issued Announcements that are related to this topic. Published May 6, 2026 411 Announcements Issue Date Announcement SEL-2025-05 July 02, 2025 Announcement SEL-2025-03 May 07, 2025 Announcement SEL-2024-04 June 5, 2024 Announcement SEL-2020-07 December 16, 2020

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