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2009 Mortgagee Letters
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Document Number Title
09-53 Real Estate Settlement Procedures Act (RESPA) and FHA Related Policies
09-52 Short Sales and Short Pay Offs
09-51 Adoption of the Appraisal Update and/or Completion Report (Fannie Mae Form 1004D/Freddie Mac Form 442/March 2005)
09-50 2010 FHA Maximum Loan Limits
 -   Attachment I - At Ceiling and Above
 -   Attachment II - Between the Floor and Ceiling
09-49 Home Equity Conversion Mortgage Program: Subordinate Liens
09-48 Second Appraisal Reporting Requirements
09-47 Home Equity Conversion Mortgage (HECM) Counseling Standardization and Roster Final Rule
09-46a Temporary Guidance for Condominium Policy
09-46b Condominium Approval Process for Single Family Housing
09-45 Introduction of HUD's Web-Based Training Application: Electronic Class (EClass) on Loss Mitigation and Servicing System
09-44 Home Equity Conversion Mortgage (HECM) Program -- Clarification of Debenture Interest Calculation for HECM Claim Type 21; Claim Filing Instructions for HECM Claim Types 21 and 24

  • Claim Type 21 - Filing Instructions
  • Claim Type 24 - Filing Instructions
  • 09-43 HOPE for Homeowners Program - Comprehensive Guidance
  • Exhibit A
  • Exhibit B
  • Exhibit C
  • Exhibit D
  • 09-42 Sub-Servicing of FHA-insured Mortgages
    09-41 Appraisal performance standards and sanctions
    09-40 Policy and Procedures on Multifamily Mortgage Insurance Applications Involving Master Lease Structuring to facilitate the use of Tax Credits
    09-39 Updated Claim Filing and Delinquency/Default Reporting Requirements For FHA's Making Home Affordable Modification Program (FHA-HAMP)
  • Appendix 1 - Delinquency/Default Status Codes
  • Appendix 2 - Delinquency/Default Reason Codes
  • Appendix 3 - Claim Filing Assistance for Loss Mitigation Claims
  • 09-38 Update on Eligibility Requirements for Nonprofit Instrumentalities (115 Waiver)
    09-37 Flood Zone Requirements and Responsibilities of FHA Mortgagees and Appraisers
    09-36 Revised Eligibility
    09-35 Loan Modification
    09-34 Home Equity Conversion Mortgage (HECM) - Principal Limit Factors
    09-33 Annual Base City High Cost Percentage Revisions effective January 1, 2009
    09-32 Revised Streamline Refinance Transactions
    09-31 Strengthening Counterparty Risk Management
    09-30 Appraisal Validity Periods
    09-29 Appraisal Portability
    09-28 Appraiser Independence
    09-27 Multifamily Housing Accelerated Processing Guide: Chapter 9, Environmental Review
    09-26 Eligibility of Projects for Mortgage Insurance where Construction has Started
    09-25 Electronic Annual Certification to Replace Title II Yearly Verification Report

    -- Attachment
    09-24 Housing Tax Credit Coordination Act of 2008
    09-23 Making Home Affordable Program: FHA's Home Affordable Modification Loss Mitigation Option

    -- Attachment - Guidelines for FHA-HAMP
    09-22 Revised Temporary Authority for Multifamily Hubs to Process Waiver Requests Pertaining to the Three-Year Rule for Section 223(f) Apartments
    09-21 Home Equity Conversion Mortgage Refinancing of Existing Loans
    09-20 Processing Pre-Application Firm Invitation and Firm Commitment Extension Requests
    09-19 Condominium Approval Process - Single Family Housing
    09-18 Energy Efficient Mortgages - Increase in the Dollar Amount of Energy Efficient Improvements Energy Efficient Mortgages - Increase in the Dollar Amount of Energy Efficient Improvements
    09-17 Accuracy of Lender Data for FHA-approved Mortgagees
    09-16 Manufactured Housing Policy Guidance - Property and Underwriting Eligibility
    09-15 Using First-Time Homebuyer Tax Credits for the Downpayment


     -   IRS Form 5405
     -   IRS Tax Credit Summary
    09-14 Online Versions of Handbooks 4155.1, Mortgage Credit Analysis for Mortgage Insurance; and 4155.2, Lenders' Guide to Single Family Mortgage Insurance Processing
    09-13 Guidance on FHA Model Mortgage Form for New Mexico
    09-12 Mortgagee Monitoring
    09-11 Final HECM for Purchase Program
    - Attachment
    09-10 Home Equity Conversion Mortgage Program: Clarification of Home Equity Conversion Mortgage Counseling Issues
    09-09 Adoption of Market Conditions Addendum (Fannie Mae Form 1004MC/Freddie Mac Form 71) and Appraisal Reporting Requirements for Properties located in Declining Markets (PDF) (Word)
    09-08 Limits on Cash-Out Refinances
    09-07 Loan Limit Increases for FHA
     -   Attachment I - Counties at the Ceiling
     -   Attachment II - Counties Between the Floor and Ceiling
    09-06 Temporary Authority for Multifamily Hubs to Process Waiver Requests Pertaining to the Three-Year Rule for Section 223(f)
    09-05 Project Lifeline Initiative's Impact on FHA's Foreclosure Time Frames
    09-04 Tier Ranking Scores - Incentive Round 34
    09-03 HOPE for Homeowners Origination and Servicing Guidance Supplement (superseded by 09-43)
     -   Attachment 1 - Shared Appreciation Note
     -   Attachment 2 - Model H4H Pre-Endorsement
     -   Attachment 3 - Shared Equity Note
     -   Attachment 4 - FHA HOPE for Homeowners Attachment to FHA Loan Underwriting and Transmittal Summary
     -   Attachment 5 - HOPE for Homeowners Consumer Disclosure and Certification Form
     -   Attachment 6 - HOPE for Homeowners Certification
     -   Attachment 7 - Appreciation Worksheet
    09-02 Co-branded Outreach Materials
    09-01 Annual Renewal Of FHA Approval

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