Fannie Mae Servicing Guide F-2-03 — Compensatory Fee Calculation Examples
Fannie Mae Servicing Guide F-2-03 — Compensatory Fee Calculation Examples.
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Verbatim provisions from Fannie Mae Servicing Guide F-2-03 — Compensatory Fee Calculation Examples — 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.
Fannie Mae Servicing Guide F-2-03 — Compensatory Fee Calculation Examples
F-2-03, Compensatory Fee Calculation Examples (07/09/2025) Introduction This exhibit contains compensatory fee calculation examples. Compensatory Fee Calculation Examples Compensatory Fee Calculation Examples The following examples illustrate how compensatory fees will be calculated using the following formula: UPB x (Daily PTR/365) x Number of Days Delayed. Example #1: Mortgage Loan-Level Compensatory Fee Analysis Resulting in a Compensatory Fee: In this mortgage loan-level example, the servicer exceeded Fannie Mae's allowable foreclosure time frame and would be billed a compensatory fee in the amount of $3,461.64. Property Located in Florida UPB $100,000 PTR 4.75% LPI 02/01/2023 Property Located in Florida Foreclosure Sale Date 10/14/2025 Servicer's Overall State Foreclosure Time Frame 986 days Published May 13, 2026 701 Property Located in Florida Fannie Mae's Overall Allowable Foreclosure Time Frame for Florida 720 days Allowable Delays Reported 0 days Number of Days Over Allowable Foreclosure Time Frame 266 days Compensatory Fee ($100,000)(.0475/365)*(266) = $3,461.64 Example #2: Mortgage Loan-Level Compensatory Fee Analysis Not Resulting in a Compensatory Fee: In this mortgage loan-level example, the servicer performed under Fannie Mae's allowable foreclosure time frame by 143 days, so a compensatory fee would not be assessed against the servicer for this mortgage loan. Property Located in Colorado UPB $200,000 PTR 5.25% LPI 10/01/2024 Foreclosure Sale Date 12/02/2025 Servicer's Overall State Foreclosure Time Frame 427 days Fannie Mae's Overall Allowable Foreclosure Time Frame for Colorado 540 days Allowable Delays Reported 30 days Number of Days Under Allowable Foreclosure Time Frame – 143 days Compensatory Fee Not Applicable Published May 13, 2026 702 Recent Related Announcements The table below provides references to recently issued Announcements that are related to this topic. Announcements Issue Date Announcement SVC-2025-04 July 09, 2025 Announcement SVC-2019-01 February 13, 2019