Global Mapping Updates: Fields “Loan Amount Less Than or Equal to Reg Z Threshold Amount” (81938) and “Higher-Risk HPML” (67269) for 2026
Dec 15, 2025
Pursuant to FNMA Servicing Guide Announcement SVC-2025-05, servicers are now required to apply available interest rate buydown funds to reduce borrower arrearages when completing a Fannie Mae Flex Modification, subject to the terms and conditions of the applicable buydown agreement.
To ensure compliance with this requirement, a specific provision has been added to Cx25 (Buydown Agreement) expressly permitting the use of buydown funds for the reduction of arrearages in connection with a loan modification.
This change is available for testing on Stage & Stage 2 servers and will take effect on December 24, 2025. If you have any questions or concerns about this change, please contact Client Support at 1.800.497.3584.
LEG-3474
COM-6873
DR-203943
The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.
The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.