Mortgagee LettersAccess Mortgagee Letters superseded in full by Single Family Housing Policy Handbook (HUD Handbook 4000.1) Mortgagee Letters 2019-2010Mortgagee Letters 2009-2000Mortgagee Letters 1999-1990Mortgagee Letters 1989-19762025DocumentNumberTitle2025-13Updates to Claims Without Conveyance of Title (CWCOT) Post-Foreclosure Sales Period and HUD Real Estate Owned Properties (REO) Exclusive Listing Period2025-12Tightening and Expediting Implementation of the New Permanent LM Options2025-11Annual Revisions to Base City High-Cost Percentage and High-Cost AreasSubject Annual Indexing of MAP Guide’s Substantial Rehabilitation and Large Loan Risk Mitigation Thresholds2025-10Second Extension of the Foreclosure Moratoriums in Connection with Hurricanes Helene and Milton2025-09Revisions to Residency Requirements2025-08Rescinding Multiple Appraisal Policy Related Mortgagee Letters2025-07Extension of the Foreclosure Moratorium in Connection with the Presidentially-Declared Major Disaster Area in Los Angeles County, California2025-06Updates to Servicing, Loss Mitigation, and Claims2025-05Updated Nonprofit Approval and Recertification Procedures2025-04Revisions to Policies for Rental Income from Boarders of the Subject Property2025-03Multifamily Changes in Debt Service Coverage Ratios (DSCR) and Loan to Value/Loan to Cost Ratios (LTV/LTC)2025-02Creating a Middle Income Housing option for 221(d)(4)2025-01Federal Housing Administration (FHA) Defect Taxonomy Updates for Servicing Loan ReviewsAttachment2024DocumentNumberTitle2024-25Extension of the Foreclosure Moratoriums in Connection with Hurricanes Helene and Milton2024-24Modernization of Engagement with Borrowers in Default (Superseded in part by Handbook 4000.1)2024-222025 Home Equity Conversion Mortgage (HECM) Limits2024-18Debenture Interest Rates for Home Equity Conversion Mortgages (HECM) (Superseded in part by Handbook 4000.1)Attachment 12024-17Interim Procedures for Nonjudicial Foreclosures with Secretary-Held Liens2024-11Utilizing Section 223(f) for Manufactured Home Community Program2024-05Wind or Named Storm Insurance Coverage - Maximum Insurance Deductibles2024-03Revised Criteria for Section 232 Portfolio Corporate Credit Reviews2024-01Annual Revisions to Base City High Cost Percentage and High Cost AreasAnnual Indexing of MAP Guide's Substantial Rehabilitation and Large Loan Risk Mitigation Thresholds2023DocumentNumberTitle2023-24Eliminating the Assurance of Completion on a Section 223(f) with New LIHTC2023-23Updates to the Home Equity Conversion Mortgage (HECM) Program2023-16Revised Method for Calculation of Cost Not Attributable to Dwelling Units2023-14Revisions to Large Loan Risk Mitigation MAP Guide Policies2023-12Eligibility 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))2023-07Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold for 20232022DocumentNumberTitle2022-16Increase in Frequency of the Distribution of Surplus Cash for Non-Assisted HUD Insured Properties2022-13Green Mortgage Insurance Premium (MIP) Program Guidance for the Office of Residential Care Facilities (ORCF)2022-12Reserve for Replacement Lender Delegation2022-10Additional Operator and FHA Lender Notice Requirement for Account Receivables Availability Reduction2022-05Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold for 20222022-03Termination of ML 2020-11-Section 223(f) Underwriting Mitigants for Multifamily Housing Projects Due to Economic Impact of COVID-19 Emergency2021DocumentNumberTitle2021-26FHA Catalyst: Multifamily Applications Module - Electronic Submission of Multifamily Mortgage Insurance Applications2021-25Federal Housing Administration's Financial Requirements for Mortgagee Eligibility - Update to Unacceptable Assets2021-22Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold for 20212021-20Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic2021-10Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic2021-01COVID-Related Supplemental Loans Pursuant to Fiscal Year 2021 Consolidated Appropriations Act2020DocumentNumberTitle2020-50Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic2020-33Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic2020-25Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic2020-17Annual Revisions to Base City High Cost Percentage, High Cost Area and Per Unit Substantial Rehabilitation Threshold 20202020-15Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During COVID-19 Pandemic2020-11Section 223(f) Underwriting Mitigants for Multifamily Housing Projects Due to Economic Impact of COVID-19 Emergency2020-10Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic2020-09Implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act Forbearance2020-03Revision of the Section 223(f) Policy Requiring Three Years of Post-Construction Sustained Occupancy2020-01Green Mortgage Insurance Premium (MIP) Compliance Reporting Guidance