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2018Fannie Mae Single Family Servicing Guide
Prohibited Fees for Special Services
The servicer is not authorized to charge the borrower fees relating to the following activities:
handling borrower disputes;
facilitating routine borrower collections;
arranging repayment or forbearance plans;
sending borrowers notices (sometimes called “demand” or “breach” letters) relating to nonpayment of principal, interest, taxes, or insurance in advance of a formal acceleration notice that matures the mortgage loan principal balance and begins the foreclosure process; and
updating the servicer’s records to “reinstate” a mortgage loan that has been brought current.
Also, the servicing fee generally is not intended to encompass certain additional work that the servicer performs at Fannie Mae’s request, e.g.
performing certain property inspections on mortgage loans in default,
handling certain workout options for which Fannie Mae has agreed to compensate the servicer, or
engaging in property preservation activities.
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