Announcement SVC-2025-04 – Servicing Guide Update
Administrative updates to GSE servicing requirements following mortgage insurer merger and routine policy clarifications
Advisory Assessment
Impact. This Fannie Mae servicing guide update requires operational housekeeping across your mortgage servicing platform, primarily updating system references and documentation to reflect the Republic Mortgage Insurance Company removal and United Guaranty's addition to approved MI lists. The changes also modify foreclosure timing requirements and compensatory fee structures for sales processed after July 1, 2025, affecting workflow calculations in your default servicing operations.
Risk. Your greatest exposure sits in system configuration gaps where outdated mortgage insurer references could trigger GSE delivery or investor reporting errors during routine servicing activities. The BSA/AML policy clarifications that took effect in October 2025 present examination risk if your seller/servicer operations haven't fully incorporated the updated guidance into compliance monitoring procedures.
Recommended Action. Direct your servicing operations team to audit all active system configurations, forms, and automated workflows for any lingering Republic Mortgage Insurance references and ensure United Guaranty integration is complete across MI claims processing. Have compliance verify that October 2025 BSA/AML clarifications were properly implemented in seller/servicer oversight protocols.
Watch. Monitor upcoming Fannie Mae servicing announcements for additional mortgage insurer network changes, as industry consolidation typically generates follow-on administrative updates that could affect your approved counterparty lists and system integrations.
Classification
- Regulatory Program
- GSE Servicing
- Doc Type
- Guidance
- Effective Date
- 2025-07-09
- Days to Action
- -372
- Comment Deadline
- —
- Published
- 2025-07-09
Urgency Basis
Changes were effective July 9, 2025, which is 321 days ago from today's reference date of May 26, 2026. No current action required.
Operational Context
Impact by Category
Key Requirements
Scoring Rationale
This is a routine GSE servicing guide update with mostly administrative changes. The compliance score reflects specific deadlines (October 2025 for BSA/AML clarifications), but overall impact is low as these are clarifications and updates rather than new substantive requirements. The effective dates have passed, making this primarily a monitoring item for institutions to ensure they have implemented the changes.