FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters

fnma-svc-e-5

Servicing Guide Chapter E-5 governs servicer requests for default-legal expense reimbursement.

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source:
  type: regulation
  id: fnma-svc-e-5
  authority: FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters
  description: |
    Servicing Guide Chapter E-5 governs servicer requests for default-legal expense reimbursement.
obligations:
  - id: fnma-svc-e-5-60-day-final-reimbursement-request
    canonical_id: fnma-svc-e-5-60-day-final-reimbursement-request
    section: FNMA Servicing Guide E-5-01 — Requesting Reimbursement for Expenses
    description: |
      When multiple requests for reimbursement are submitted in connection
      with the same mortgage loan, [LENDER] must submit its final request
      for expense reimbursement for expenses incurred during the disposition
      process within 60 days of the applicable milestone. If [LENDER]
      submits a request for reimbursement of advances after the date Fannie
      Mae specifies for the submission of the final request for expense
      reimbursement, Fannie Mae will deny the request.
    type: do
    audit_question: For every Fannie Mae mortgage loan with default-related expense reimbursement requests, can [LENDER] evidence the final reimbursement request submitted within 60 days of the applicable milestone (workout completion, third-party sale, reinstatement/payoff, REO disposition, or final FHA/VA/RD claim proceeds)?
    program_review: Does the program ensure the final expense-reimbursement request is submitted within 60 days of the applicable milestone (since post-deadline requests are denied)?
    file_review: For loans with reimbursement requests, confirm the final request was submitted within 60 days of the applicable milestone.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: bankruptcy_specialist
    secondary_owner_role: foreclosure_specialist
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - expense-reimbursement
      - 60-day
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide E-5-01
      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: the servicer must submit its ﬁnal request for expense reimbursement for expenses incurred during the
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-5) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:13+00:00'
    promoted_from: fnma-svc-e-5-roundb-v1.yaml
  - id: fnma-svc-e-5-attorney-fees-actual-reasonable-necessary
    canonical_id: fnma-svc-e-5-attorney-fees-actual-reasonable-necessary
    section: FNMA Servicing Guide E-5-02 — Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs
    description: |
      Before requesting reimbursement of attorney fees and costs on a Fannie
      Mae mortgage loan, [LENDER] must review and approve the attorney fees
      and costs to ensure they comply with Fannie Mae guidelines, including
      the requirement that all costs be actual, reasonable, and necessary.
    type: do
    audit_question: For every reimbursement request for default-related attorney fees and costs on a Fannie Mae mortgage loan, can [LENDER] evidence a pre-submission review and approval confirming the fees and costs are actual, reasonable, and necessary in conformance with Fannie Mae guidelines?
    program_review: Does the program ensure attorney fees/costs are reviewed and approved before reimbursement requests to confirm they are actual, reasonable, and necessary per FNMA guidelines?
    file_review: For attorney-fee reimbursement requests, confirm a pre-submission review; the compliance person judges whether the fees/costs were actual, reasonable, and necessary.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: bankruptcy_specialist
    secondary_owner_role: foreclosure_specialist
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - attorney-fees
      - actual-reasonable-necessary
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide E-5-02
      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: Review and approve the attorney fees and costs to ensure they comply with Fannie Mae
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-5) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:13+00:00'
    promoted_from: fnma-svc-e-5-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:25:13+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-e-5-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

FNMA Servicing Guide E-5-01 — Requesting Reimbursement for Expenses

the servicer must submit its ﬁnal request for expense reimbursement for expenses incurred during the

Source: FNMA Servicing Guide E-5-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide E-5-02 — Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs

Review and approve the attorney fees and costs to ensure they comply with Fannie Mae

Source: FNMA Servicing Guide E-5-02 · source URL · snapshot cf63a82bbb4adfba