Mortgagee Letters

Access Mortgagee Letters superseded in full by Single Family Housing Policy Handbook (HUD Handbook 4000.1)

Document Number	Title
2025-19	Rescission of Mandatory Pre-endorsement Inspection Requirements for Properties Located in Presidentially-Declared Major Disaster Areas (PDMDAs)
2025-18	Rescission of Outdated and Costly FHA Appraisal Protocols
2025-17	Rescission of Federal Flood Risk Management Standard (FFRMS) for New Construction Eligibility
2025-16	Rescission of Full-Time Direct Endorsement Underwriter Requirements
2025-15	Rescission of the Supplemental Consumer Information Form Requirement
2025-14	Updates to Modernization of Engagement with Borrowers in Default and Loss Mitigation
2025-13	Updates to Claims Without Conveyance of Title (CWCOT) Post-Foreclosure Sales Period and HUD Real Estate Owned Properties (REO) Exclusive Listing Period
2025-12	Tightening and Expediting Implementation of the New Permanent LM Options
2025-11	Annual Revisions to Base City High-Cost Percentage and High-Cost Areas Subject Annual Indexing of MAP Guide’s Substantial Rehabilitation and Large Loan Risk Mitigation Thresholds
2025-10	Second Extension of the Foreclosure Moratoriums in Connection with Hurricanes Helene and Milton
2025-09	Revisions to Residency Requirements
2025-08	Rescinding Multiple Appraisal Policy Related Mortgagee Letters
2025-07	Extension of the Foreclosure Moratorium in Connection with the Presidentially-Declared Major Disaster Area in Los Angeles County, California
2025-06	Updates to Servicing, Loss Mitigation, and Claims
2025-05	Updated Nonprofit Approval and Recertification Procedures
2025-04	Revisions to Policies for Rental Income from Boarders of the Subject Property
2025-03	Multifamily Changes in Debt Service Coverage Ratios (DSCR) and Loan to Value/Loan to Cost Ratios (LTV/LTC)
2025-02	Creating a Middle Income Housing option for 221(d)(4)
2025-01	Federal Housing Administration (FHA) Defect Taxonomy Updates for Servicing Loan Reviews Attachment

2024

Document Number	Title
2024-25	Extension of the Foreclosure Moratoriums in Connection with Hurricanes Helene and Milton
2024-24	Modernization of Engagement with Borrowers in Default (Superseded in part by Handbook 4000.1)
2024-22	2025 Home Equity Conversion Mortgage (HECM) Limits
2024-18	Debenture Interest Rates for Home Equity Conversion Mortgages (HECM) (Superseded in part by Handbook 4000.1) Attachment 1
2024-17	Interim Procedures for Nonjudicial Foreclosures with Secretary-Held Liens
2024-16	Extension to the Effective Date of Appraisal Review and Reconsideration of Value (ROV) (superseded in full by ML 2025-08)
2024-11	Utilizing Section 223(f) for Manufactured Home Community Program
2024-05	Wind or Named Storm Insurance Coverage - Maximum Insurance Deductibles
2024-03	Revised Criteria for Section 232 Portfolio Corporate Credit Reviews
2024-01	Annual Revisions to Base City High Cost Percentage and High Cost Areas Annual Indexing of MAP Guide's Substantial Rehabilitation and Large Loan Risk Mitigation Thresholds

2023

Document Number	Title
2023-24	Eliminating the Assurance of Completion on a Section 223(f) with New LIHTC
2023-23	Updates to the Home Equity Conversion Mortgage (HECM) Program
2023-16	Revised Method for Calculation of Cost Not Attributable to Dwelling Units
2023-14	Revisions to Large Loan Risk Mitigation MAP Guide Policies
2023-12	Eligibility of Outstanding Borrower Debt to be Refinanced with Insured Mortgage Proceeds Pursuant to Section 242 of the National Housing Act (Section 242, Section 241, and section 223(f))
2023-07	Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold for 2023

2022

Document Number	Title
2022-16	Increase in Frequency of the Distribution of Surplus Cash for Non-Assisted HUD Insured Properties
2022-13	Green Mortgage Insurance Premium (MIP) Program Guidance for the Office of Residential Care Facilities (ORCF)
2022-12	Reserve for Replacement Lender Delegation
2022-10	Additional Operator and FHA Lender Notice Requirement for Account Receivables Availability Reduction
2022-05	Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold for 2022
2022-03	Termination of ML 2020-11-Section 223(f) Underwriting Mitigants for Multifamily Housing Projects Due to Economic Impact of COVID-19 Emergency

2021

Document Number	Title
2021-26	FHA Catalyst: Multifamily Applications Module - Electronic Submission of Multifamily Mortgage Insurance Applications
2021-25	Federal Housing Administration's Financial Requirements for Mortgagee Eligibility - Update to Unacceptable Assets
2021-22	Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold for 2021
2021-20	Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic
2021-10	Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic
2021-01	COVID-Related Supplemental Loans Pursuant to Fiscal Year 2021 Consolidated Appropriations Act

2020

Document Number	Title
2020-50	Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic
2020-33	Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic
2020-25	Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic
2020-17	Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold 2020
2020-15	Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During COVID-19 Pandemic
2020-11	Section 223(f) Underwriting Mitigants for Multifamily Housing Projects Due to Economic Impact of COVID-19 Emergency
2020-10	Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic
2020-09	Implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act Forbearance
2020-03	Revision of the Section 223(f) Policy Requiring Three Years of Post-Construction Sustained Occupancy
2020-01	Green Mortgage Insurance Premium (MIP) Compliance Reporting Guidance

Mortgagee Letters

2025

2024

2023

2022

2021

2020