Chapter B-2, Property Insurance Requirements

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(Published: July 10 2024 )

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Part A Doing Business with Fannie Mae
- Subpart A1, Contractual Obligations
  - Chapter A1-1, Understanding the Lender Contract
    - A1-1-01, Application and Approval of Seller/Servicer
    - A1-1-02, Representation and Warranty Requirements
    - A1-1-03, Evaluating a Servicer’s Performance
    - A1-2-01, Servicer’s Termination of the Lender Contract
    - A1-2-02, Fannie Mae’s Termination of the Lender Contract without Cause
    - A1-3-01, Requirements for Voluntary Repurchase
    - A1-3-02, Fannie Mae-Initiated Repurchases, Indemnifications, Make Whole Payment Requests and Deferred Payment Obligations
    - A1-3-03, Repurchase Obligations Related to Bifurcated Mortgage Loans
    - A1-3-04, Reporting the Repurchase
    - A1-3-05, Redelivering a Mortgage Loan
    - A1-3-06, Automatic Reclassification of MBS Mortgage Loans
    - Section A1-4.1, Remedies Available to Fannie Mae
      - A1-4.1-01, Defining a Breach of Contract
      - A1-4.1-02, Fannie Mae’s Remedies
      - A1-4.2-01, Compensatory Fees Other Than Delays in the Liquidation Process
      - A1-4.2-02, Compensatory Fees for Delays in the Liquidation Process
      - Chapter A2-1, Servicer Duties and Responsibilities
        
        A2-1-01, General Servicer Duties and Responsibilities
        
        A2-1-02, Servicer’s Duties and Responsibilities Related to MBS Mortgage Loans
        
        A2-1-03, Servicer's Duties and Responsibilities Related to Mortgage Loans with Resale Restrictions or Shared Equity Transactions
        
        A2-1-04, Execution of Legal Documents
        
        A2-1-05, Note Holder Status for Legal Proceedings Conducted in the Servicer’s Name
        
        A2-1-06, Use of Fannie Mae Trademarks
        
        A2-1-07, Subservicing
        
        A2-1-08, First Lien Mortgage Loan Requirements
        
        A2-1-09, Compliance with Requirements and Laws
        
        A2-2-01, Refinance and Lending Practices
        
        A2-3-01, Servicer Compensation
        
        A2-3-02, Servicing Fees for Portfolio and MBS Mortgage Loans
        
        A2-3-03, Yield Differential Adjustments
        
        A2-3-04, Late Charges as Compensation
        
        A2-3-05, Fees for Certain Servicing Activities
        
        A2-3-06, Prepayment Premiums
        
        A2-4-01, Quality Control Reviews
        
        A2-5-01, Ownership and Retention of Individual Mortgage Loan Files and Records
        
        A2-6-01, Custodial Documents
        
        A2-7-01, Concurrent Servicing Transfers
        
        A2-7-02, Pledge of Servicing Rights and Transfer of Interest in Servicing Income
        
        A2-7-03, Post-Delivery Servicing Transfers
        
        A2-8-01, Mortgage Electronic Registration System
        
        A2-9-01, General Requirements
        
        A2-9-02, Special Provision for Puerto Rico
        
        Chapter A3-1, Maintaining Fannie Mae Seller/Servicer Status
        
        A3-1-01, Maintaining Fannie Mae Seller/Servicer Status
        
        Chapter A4-1, Establishing and Implementing Internal Operations for All Mortgage Loans and Acquired Properties
        
        A4-1-01, Staffing, Training, Procedures, and Quality Control Requirements
        
        A4-1-02, Establishing Custodial Bank Accounts
        
        A4-1-03, Addressing Borrower Inquiries and Disputes
        
        Section A4-2.1, Establishing Default Management Strategies
        
        A4-2.1-01, Preventing Defaults and Managing Delinquencies
        
        A4-2.1-02, Property Inspection Vendor Management and Oversight
        
        A4-2.1-03, Managing Short Sales
        
        A4-2.1-04, Establishing Contact with the Borrower
        
        A4-2.1-05, Requirements for Collection and Foreclosure Prevention Strategies Unique to Second Lien Mortgage Loans
        
        A4-2.1-06, Adverse Action Notification Certification
        
        A4-2.1-07, Servicer's Duties and Responsibilities Related to Mortgage Loans with an Outstanding Non-Interest-Bearing Balance
        
        A4-2.2-01, Selecting and Retaining Law Firms
        
        A4-2.2-02, Law Firm Management and Oversight
        
        A4-2.2-03, Prohibition Against Servicer-Specified Vendors for Fannie Mae Referrals, Use of Vendors, and Outsourcing Companies
        
        A4-2.2-04, Law Firm Suspensions, Matter Transfers, and Terminations
        
        Chapter B-1, Escrow Account Administration
        
        B-1-01, Administering an Escrow Account and Paying Expenses
        
        B-2-01, Property Insurance Requirements Applicable to All Property Types
        
        B-2-02, Property Insurance Requirements for One- to Four-Unit Properties
        
        B-2-03, Master Property Insurance Requirements for Project Developments
        
        B-2-04, Individual Property Insurance Requirements for Units in Project Developments
        
        B-3-01, Flood Insurance Requirements Applicable to All Property Types
        
        B-4-01, Additional Insurance Requirements
        
        B-5-01, Insured Loss Events
        
        B-5-02, Uninsured Loss Events
        
        B-6-01, Lender-Placed Insurance Requirements
        
        B-7-01, General Liability Insurance Requirements for Project Developments
        
        B-7-02, Fidelity/Crime Insurance Requirements for Project Developments
        
        Section B-8.1, Conventional Mortgage Insurance Requirements
        
        B-8.1-01, Conventional Mortgage Insurance Servicer Responsibilities
        
        B-8.1-02, Paying Conventional Mortgage Insurance Premiums
        
        B-8.1-03, Replacing Conventional Mortgage Insurance Policies
        
        B-8.1-04, Termination of Conventional Mortgage Insurance
        
        B-8.2-01, FHA Mortgage Insurance Coverage Requirements
        
        B-8.2-02, Conversion of FHA Coinsured Mortgage Loans to Full Insurance
        
        B-8.2-03, Termination or Cancellation of FHA Mortgage Insurance and FHA Mortgage Insurance Premium
        
        Chapter C-1, Processing Mortgage Loan Payments
        
        Section C-1.1, Processing Scheduled Mortgage Loan Payments
        
        C-1.1-01, Servicer Responsibilities for Processing Mortgage Loan Payments
        
        C-1.1-02, Processing Payment Shortages or Funds Received When a Mortgage Loan Modification Is Pending
        
        C-1.1-03, Automatically Drafting Payments from the Borrower’s Bank Account
        
        C-1.1-04, Accepting Biweekly Payments from Third-Party Payment Contractors
        
        C-1.2-01, Processing Additional Principal Payments
        
        C-1.2-02, Processing Short Sale Proceeds
        
        C-1.2-03, Processing Payments in Full
        
        C-1.2-04, Satisfying the Mortgage Loan and Releasing the Lien
        
        C-1.2-05, Charging for a Release of Lien
        
        Section C-2.1, Processing ARM Loan Payments
        
        C-2.1-01, Responsibilities for ARM Loan Servicing
        
        C-2.1-02, Notifying the Borrower Regarding Interest Rate and/or Payment Changes
        
        C-2.2-01, Identifying and Disclosing Adjustment Errors
        
        C-2.2-02, Assuming Responsibility for Conversion Notice Errors
        
        C-2.2-03, Determining Whether to Provide a Refund or Credit for Overcharges
        
        C-2.3-01, Processing ARM Conversions to Fixed Rate Mortgage Loans
        
        C-2.3-02, Notifying Fannie Mae of Conversions for Portfolio Mortgage Loans
        
        C-2.3-03, Repurchasing Converted MBS Mortgage Loans and Redelivering Them to Fannie Mae
        
        C-3-01, Responsibilities Related to Remitting P&I Funds to Fannie Mae
        
        C-3-02, Remitting Payoff Proceeds
        
        Section C-4.1, Credit Bureau Reporting Requirements
        
        C-4.1-01, Notifying Credit Repositories
        
        C-4.2-01, Filing IRS Forms
        
        C-4.3-01, Servicer Responsibilities Related to Investor Reporting
        
        Subpart D1, Assisting the Borrower with Property-Related Issues and Legal Actions
        
        Chapter D1-1, Requests for the Release of Property and/or Charge-Off of a Mortgage Loan
        
        D1-1-01, Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan
        
        D1-1-02, Evaluating a First Lien Mortgage Loan for Charge-Off and Release of Lien
        
        D1-1-03, Evaluating a Second Lien Mortgage Charge-Off
        
        D1-2-01, Renovation Mortgage Loans
        
        D1-3-01, Evaluating the Impact of a Disaster Event and Assisting a Borrower
        
        Section D1-4.1, Information Relating to Transfers of Ownership Applicable to All Mortgage Loans
        
        D1-4.1-01, Determining Whether a Transfer of Ownership Is Permitted
        
        D1-4.1-02, Allowable Exemptions Due to the Type of Transfer
        
        D1-4.1-03, Allowable Exceptions Due to State Law Restrictions (“Window-Period” Mortgage Loans)
        
        D1-4.1-04, Transfers of Ownership by Grant Deed
        
        D1-4.1-05, Enforcing the Due-on-Sale (or Due-on-Transfer) Provision
        
        D1-4.2-01, Conventional Mortgage Loans that Do Not Include a Due-on-Sale (or Due-on-Transfer) Provision
        
        D1-4.2-02, Conventional Mortgage Loans That Include a Due- on-Sale (or Due-on-Transfer) Provision
        
        D1-4.3-01, Transfers of Ownership on FHA and VA Mortgage Loans
        
        D1-4.3-02, Transfers of Ownership on RD Mortgage Loans
        
        D1-5-01, Call Options and Cross-Default Provisions
        
        D1-6-01, Requesting to Waive Certain Rights under the Mortgage Loan
        
        D1-6-02, Handling Notices of Liens, Legal Action, Other Actions Impacting Fannie Mae’s Interest
        
        D1-6-03, Handling Property Forfeitures and Seizures
        
        Chapter D2-1, Working with a Borrower Who is Facing Default
        
        D2-1-01, Determining if the Borrower’s Mortgage Payment is in Imminent Default
        
        D2-2-01, Achieving Quality Right Party Contact with a Borrower
        
        D2-2-02, Outbound Contact Attempt Requirements
        
        D2-2-03, Sending a Payment Reminder Notice
        
        D2-2-04, Sending a Borrower a Solicitation Package for a Workout Option
        
        D2-2-05, Receiving a Borrower Response Package
        
        D2-2-06, Sending a Breach or Acceleration Letter
        
        D2-2-07, Resolving an Appeal of a Mortgage Loan Modification Trial Period Plan Denial for a Principal Residence
        
        D2-2-08, Interviewing Face-to-Face with a Borrower for Certain FHA and HUD Mortgage Loans
        
        D2-2-09, Additional Borrower Contact Requirements for the Servicer of a Second Lien Mortgage Loan
        
        D2-2-10, Requirements for Performing Property Inspections
        
        Section D2-3.1, Preparing to Implement a Home Retention or Liquidation Workout Option
        
        D2-3.1-01, Determining the Appropriate Workout Option
        
        D2-3.1-02, Conditions of a First and Second Lien Mortgage Loan Modification for an MBS Mortgage Loan
        
        D2-3.1-03, Working with a Borrower that has a Group Home Mortgage Loan
        
        D2-3.1-04, Offering a Workout Option When Also Servicing a Subordinate Lien Mortgage Loan
        
        D2-3.1-05, Interacting with Mortgage Assistance Fund Program Providers
        
        D2-3.1-06, Notifying Fannie Mae of Lead-Based Paint Citations
        
        D2-3.2-01, Forbearance Plan
        
        D2-3.2-02, Repayment Plan
        
        D2-3.2-03, Government Mortgage Loan Modifications
        
        D2-3.2-04, Payment Deferral
        
        D2-3.2-05, Disaster Payment Deferral
        
        D2-3.2-06, Fannie Mae Flex Modification
        
        D2-3.3-01, Fannie Mae Short Sale
        
        D2-3.3-02, Fannie Mae Mortgage Release (Deed-in-Lieu of Foreclosure)
        
        D2-3.4-01, Military Indulgence
        
        D2-3.4-02, Offering a Mortgage Release (Deed-in-Lieu of Foreclosure) for a Second Lien Mortgage Loan
        
        D2-3.4-03, Assignment of a Mortgage Loan to the Insurer or Guarantor
        
        D2-3.4-04, Qualifying Mortgage Assumption Workout Option
        
        D2-4-01, Reporting a Delinquent Mortgage Loan to Fannie Mae
        
        D2-4-02, Reporting a Workout Option to Fannie Mae
        
        D2-4-03, Reporting Certain Workout Options to Treasury
        
        Chapter E-1, Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms
        
        Section E-1.1, Referring a Mortgage Loan to a Law Firm
        
        E-1.1-01, General Requirements for Referring a Mortgage Loan to a Law Firm
        
        E-1.1-02, Required Referral Documents
        
        E-1.1-03, Required Referral Data
        
        E-1.2-01, Timing of the Bankruptcy Referral
        
        E-1.2-02, Timing of the Foreclosure Referral for Mortgage Loans Generally
        
        E-1.2-03, Timing of the Foreclosure Referral for Second Lien Conventional Mortgage Loans Not Secured by a Principal Residence
        
        E-1.2-04, Timing of the Foreclosure Referral for Government Mortgage Loans
        
        E-1.3-01, General Servicer Responsibilities for Non-Routine Matters
        
        E-1.3-02, Reporting Non-Routine Litigation to Fannie Mae
        
        E-1.3-03, Reporting “Legal Filings” to MERS
        
        Section E-2.1, Bankruptcy Proceedings in General
        
        E-2.1-01, General Servicing Requirements for Mortgage Loans Under Bankruptcy Protection
        
        E-2.1-02, Confirming Bankruptcy Information
        
        E-2.1-03, Suspending Debt Collection Efforts
        
        E-2.1-04, Expected Servicer/Attorney Interaction During Bankruptcy Proceedings
        
        E-2.1-05, Filing a Notice of Appearance and Sending Proper Notices
        
        E-2.1-06, Reviewing Bankruptcy Reorganization Plans
        
        E-2.1-07, Preparing and Filing a Proof of Claim
        
        E-2.1-08, Monitoring Borrower Payments and Critical Dates
        
        E-2.1-09, Identifying Workout Opportunities
        
        E-2.1-10, Dealing with Delays in the Bankruptcy Process
        
        E-2.1-11, Remitting P&I for MBS Mortgage Loans That Are Part of a Bankruptcy
        
        E-2.2-01, Managing Chapter 7 Bankruptcies
        
        E-2.2-02, Managing Chapter 11 Bankruptcies
        
        E-2.2-03, Managing Chapter 12 Bankruptcies
        
        E-2.2-04, Managing Chapter 13 Bankruptcies
        
        E-2.3-01, Identifying Abusive Filers
        
        E-2.3-02, Addressing Individuals with Fractional Interests in a Security Property
        
        E-2.3-03, Handling Cramdowns of the Mortgage Debt
        
        E-2.3-04, Bankruptcies Involving Mortgage Loans Secured by Investment Properties
        
        E-2.3-05, Bankruptcies Involving Multiple Fannie Mae Mortgage Loans
        
        E-2.3-06, Responding to Bankruptcies Identified After Foreclosure Sale
        
        E-2.3-07, Cross-Border Insolvency Proceedings
        
        Section E-3.1, Foreclosure Proceedings in General
        
        E-3.1-01, General Servicing Requirements Related to Foreclosure Proceedings
        
        E-3.1-02, Performing Due Diligence Prior to Considering Foreclosure
        
        E-3.1-03, Fannie Mae Address for Instruments of Record
        
        E-3.1-04, Addressing a Bankruptcy Filed During Active Foreclosure
        
        E-3.2-01, Conducting Prereferral Review
        
        E-3.2-02, Initiating Foreclosure Proceedings on a First Lien Conventional Mortgage Loan
        
        E-3.2-03, Initiating Foreclosure Proceedings on a Second Lien Conventional Mortgage Loan
        
        E-3.2-04, Postponing Foreclosure Referral for Mortgage Loans Not Secured by a Principal Residence
        
        E-3.2-05, Expected Servicer/Attorney Interaction During Foreclosure Proceedings
        
        E-3.2-06, Conducting Borrower Outreach During Foreclosure
        
        E-3.2-07, Impact of Engagement with a Mortgage Assistance Fund Program Provider
        
        E-3.2-08, Processing Reinstatements During Foreclosure
        
        E-3.2-09, Conducting Foreclosure Proceedings
        
        E-3.2-10, Paying Certain Expenses During the Foreclosure Process
        
        E-3.2-11, Collecting Under an Assignment of Rents
        
        E-3.2-12, Performing Property Preservation During Foreclosure Proceedings
        
        E-3.2-13, Addressing Title Defects Generally
        
        E-3.2-14, Addressing Title Defects for Bifurcated Mortgage Loans
        
        E-3.2-15, Allowable Time Frames for Completing Foreclosure
        
        E-3.3-01, Completing Preforeclosure Sale Review
        
        E-3.3-02, Certifying the Status of Workout Negotiations Prior to Foreclosure Sale
        
        E-3.3-03, Inspecting Properties Prior to Foreclosure Sale
        
        E-3.3-04, Marketing the Foreclosure Sale and Using Foreclosure Auction Services
        
        E-3.3-05, Issuing Bidding Instructions
        
        E-3.3-06, Handling a Suspension or Reduction of the Redemption Period
        
        E-3.3-07, Pursuing a Deficiency Judgment
        
        E-3.4-01, Suspending Foreclosure Proceedings for Workout Negotiations
        
        E-3.4-02, Canceling the Foreclosure Sale for a Completed Workout
        
        E-3.5-01, Foreclosure of a Property Securing an MBS Mortgage Loan
        
        E-3.5-02, Handling Third-Party Sales
        
        E-3.5-03, Providing Evidence of Title
        
        Section E-4.1, Notifying Fannie Mae of Property Acquisitions
        
        E-4.1-01, Notifying Fannie Mae of an Acquired Property
        
        E-4.1-02, Eliminations and Rescissions of Foreclosure Sales
        
        E-4.2-01, Completing Conveyance Documents
        
        E-4.2-02, Handling Reconveyance to the Insurer or Guarantor
        
        E-4.3-01, Managing the Property Post-Foreclosure Sale
        
        E-4.3-02, Inspecting Properties Post-Foreclosure Sale
        
        E-4.3-03, The Broker's, Agent's, or Property Management Company's Responsibilities
        
        E-4.3-04, Handling Eviction Proceedings
        
        E-4.4-01, Continuing or Canceling Property Insurance Coverage
        
        E-4.4-02, Remitting Property Insurance Settlement Proceeds or Unearned Premium Refunds
        
        E-4.4-03, Canceling Flood Insurance Coverage for Acquired Properties
        
        E-4.4-04, Remitting Flood Insurance Settlement Proceeds or Unearned Premium Refunds
        
        E-4.5-01, Filing MI Claims for Conventional Mortgage Loans or for Other Mortgage Loans for which Fannie Mae Bears the Risk of Loss
        
        E-4.5-02, Filing MI Claims for FHA Mortgage Loans
        
        E-4.5-03, Filing MI Claims for FHA Coinsured Mortgage Loans
        
        E-4.5-04, Filing MI Claims for FHA Title I Loans
        
        E-4.5-05, Filing MI Claims for HUD Section 184 Mortgage Loans
        
        E-4.5-06, Filing MI Claims for VA Mortgage Loans
        
        E-4.5-07, Filing MI Claims for RD Mortgage Loans
        
        E-5-01, Requesting Reimbursement for Expenses
        
        E-5-02, Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs
        
        E-5-03, Allowable Bankruptcy Fees
        
        E-5-04, Allowable Foreclosure Fees
        
        E-5-05, Reimbursing Law Firms/Reimbursement of Uncollected Fees, Costs or Advances
        
        E-5-06, Technology Fees and Electronic Invoicing
        
        E-5-07, Other Reimbursable Default-Related Legal Expenses
        
        Chapter F-1, Servicing Guide Procedures
        
        F-1-01, Servicing ARM Loans
        
        F-1-02, Escrow, Taxes, Assessments, and Insurance
        
        F-1-03, Establishing and Implementing Custodial Accounts
        
        F-1-04, Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan
        
        F-1-05, Expense Reimbursement
        
        F-1-06, Filing an MI Claim for a Liquidated Mortgage Loan or Acquired Property
        
        F-1-07, Handling Property Forfeitures and Seizures
        
        F-1-08, Managing Foreclosure Proceedings
        
        F-1-09, Processing Mortgage Loan Payments and Payoffs
        
        F-1-10, Obtaining and Executing Legal Documents
        
        F-1-11, Post-Delivery Servicing Transfers
        
        F-1-12, Preparing to Implement a Workout Option
        
        F-1-13, Processing a Fannie Mae Mortgage Release (Deed-In-Lieu of Foreclosure)
        
        F-1-14, Processing a Fannie Mae Short Sale
        
        F-1-15, Processing a Government Mortgage Loan Modification
        
        F-1-16, Processing a Repayment Plan
        
        F-1-17, Processing a Transfer of Ownership
        
        F-1-18, Processing a Workout Incentive Fee
        
        F-1-19, Processing a Military Indulgence
        
        F-1-20, Remitting and Accounting to Fannie Mae
        
        F-1-21, Reporting a Delinquent Mortgage Loan via Fannie Mae’s Servicing Solutions System
        
        F-1-22, Reporting a Workout Option via Fannie Mae’s Servicing Solutions System
        
        F-1-23, Reporting to Third Parties
        
        F-1-24, Requesting Fannie Mae’s Approval via Fannie Mae’s Servicing Solutions System
        
        F-1-25, Reclassifying or Voluntary Repurchasing an MBS Mortgage Loan
        
        F-1-26, Servicing eMortgages
        
        F-1-27, Processing a Fannie Mae Flex Modification
        
        F-1-28, Reviewing a Transfer of Ownership for Credit and Financial Capacity
        
        F-2-01, Bankruptcy Referral and Completion Timelines
        
        F-2-02, Incentive Fees for Workout Options
        
        F-2-03, Compensatory Fee Calculation Examples
        
        F-2-04, Firm Minimum Requirements
        
        F-2-05, Historical Yield Differential Adjustment Provisions
        
        F-2-06, Mortgage Insurer Delegations for Workout Options
        
        F-2-07, Reporting the Principal Amount for Mortgage Loans with Principal Forbearance
        
        F-2-08, Servicing Fees for MBS Mortgage Loans
        
        F-2-09, Servicing Fees for Portfolio Mortgage Loans
        
        F-2-10, Fannie Mae’s Workout Hierarchy
        
        F-3-01, Acronyms and Glossary of Defined Terms: A
        
        F-3-02, Acronyms and Glossary of Defined Terms: B
        
        F-3-03, Acronyms and Glossary of Defined Terms: C
        
        F-3-04, Acronyms and Glossary of Defined Terms: D
        
        F-3-05, Acronyms and Glossary of Defined Terms: E
        
        F-3-06, Acronyms and Glossary of Defined Terms: F
        
        F-3-07, Acronyms and Glossary of Defined Terms: G
        
        F-3-08, Acronyms and Glossary of Defined Terms: H
        
        F-3-09, Acronyms and Glossary of Defined Terms: I
        
        F-3-10, Acronyms and Glossary of Defined Terms: J
        
        F-3-11, Acronyms and Glossary of Defined Terms: K
        
        F-3-12, Acronyms and Glossary of Defined Terms: L
        
        F-3-13, Acronyms and Glossary of Defined Terms: M
        
        F-3-14, Acronyms and Glossary of Defined Terms: N
        
        F-3-15, Acronyms and Glossary of Defined Terms: O
        
        F-3-16, Acronyms and Glossary of Defined Terms: P
        
        F-3-17, Acronyms and Glossary of Defined Terms: Q
        
        F-3-18, Acronyms and Glossary of Defined Terms: R
        
        F-3-19, Acronyms and Glossary of Defined Terms: S
        
        F-3-20, Acronyms and Glossary of Defined Terms: T
        
        F-3-21, Acronyms and Glossary of Defined Terms: U
        
        F-3-22, Acronyms and Glossary of Defined Terms: V
        
        F-3-23, Acronyms and Glossary of Defined Terms: W
        
        F-3-24, Acronyms and Glossary of Defined Terms: X
        
        F-3-25, Acronyms and Glossary of Defined Terms: Y
        
        F-3-26, Acronyms and Glossary of Defined Terms: Z
        
        F-4-01, References to Fannie Mae's Website
        
        F-4-02, List of Contacts
        
        F-4-03, List of Lender Contracts