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Mortgagee Letters Superseded by HUD Handbook 4000.1
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2024 Mortgagee Letters

Document Number Title
2024-07 Appraisal Review and Reconsideration of Value Updates
2024-06 Home Equity Conversion Mortgagee (HECM) Program - Updates to Acceptable Monetary Investment Funding Sources
2024-04 Changes in Branch Office Registration Requirements
2024-02 Payment Supplement

2023 Mortgagee Letters

Document Number Title
2023-21 2024 Nationwide Forward Mortgage Loan Limits
2023-20 Update to Property Inspection Fees
2023-18 Update to the Sales Comparison Approach for Manufactured Housing
2023-17 Revisions to Rental Income Policies, Property Eligibility, and Appraisal Protocols for Accessory Dwelling Units
2023-15 Modifications to FHA Home Equity Conversion Mortgage (HECM) Requirements Related to Secretary Payment of Borrower Disbursements Due to Mortgagee Default
2023-13 Supplemental Consumer Information Form
2023-11 Update to ML 2023-03 Regarding Loss Mitigation Options for Non-Borrowers Who Acquired Title through an Exempted Transfer
2023-10 Modifications to the Home Equity Conversion Mortgage (HECM) Assignment Claim Type 22 (CT-22) Submission Criteria and Documentation Requirements
2023-09 Adjustable-Rate Mortgages (ARM): New Secretary-Approved Interest Rate Indices and Requirements for Transitioning from London Interbank Offered Rate (LIBOR) Index
2023-06 Establishment of the 40-Year Loan Modification Loss Mitigation Option
2023-05 Reduction of Federal Housing Administration (FHA) Annual Mortgage Insurance Premium (MIP) Rates
2023-04 Electronic Filing of All insurance claims on FHA Title II Single Family Mortgages
2023-03 CORRECTED AND REPUBLISHED: Expansion of the COVID-19 Recovery Loss Mitigation Options
2023-02 Expansion of the COVID-19 Recovery Loss Mitigation Options Superseded in full by ML 2023-03

2022 Mortgagee Letters

Document Number Title
2022-23 COVID-19 Home Equity Conversion Mortgage (HECM) Property Charge Repayment Plan
2022-22 Clarification of Conflict of Interest and Dual Employment Policy for Most Title II Single Family FHA-Insured Mortgage Transactions
2022-20 2023 Nationwide Forward Mortgage Loan Limits
2022-19 Rescinding the Mandatory Use of Date for the Federal Housing Administration (FHA) Catalyst: Electronic Appraisal Delivery (EAD) Module
2022-18 Acceptance of Private Floods Insurance for FHA-Insured Mortgages
2022-17 Consideration of Positive Rental Payment History for First Time Homebuyers in Forward Mortgage Purchase Transactions
2022-15 Update to Home Equity Conversion Mortgage (HECM) Program Requirements for Notice of Due and Payable Status
2022-14 Unique Entity Identifier for FHA Approved Lenders, Mortgagees and Institutions Seeking FHA Approval
2022-11 Revised Appraisal Validity Periods
2022-09 Calculating Effective Income After a Reduction or Loss of Income for Borrowers Affected by Presidentially-Declared COVID-19 National Emergency
2022-08 Expanding Affordable Housing Supply Through FHA's Claims Without Conveyance of Title (CWCOT) Process
2022-07 Update to the COVID-19 Recovery Loss Mitigation Options
2022-06 Establishing the Claims Standard for Reasonable Payments for Property Preservation and Protection Costs
2022-02 Technical Update to the Extension of the Deadlines for the First Legal Action and Reasonable Diligence Time Frame
2022-01 Expansion of the Exclusive Listing Period for HUD Real Estate Owned Properties


2021 Mortgagee Letters

Document Number Title
2021-31 Update to FHA Catalyst Transition for Single Family Default Monitoring System (SFDMS) Reporting Module
2021-30 Delay of Effective Date of Mortgage Letter 2021-21, FHA Catalyst: Single Family Default Monitoring System (SFDMS) Reporting Module, and associated changes to the Single Family Default Monitoring System (SFDMS) Reporting Codes and Reporting Data Elements
2021-29 2022 Home Equity Conversion Mortgage (HECM) Limits
2021-28 2022 Nationwide Forward Mortgage Limits
2021-27 Appraisal Fair Housing Compliance and Updated General Appraiser Requirements
2021-21 FHA Catalyst: Single Family Default Monitoring System (SFDMS) Reporting Module
2021-18 COVID-19 Recovery Loss Mitigation Options
2021-17 Revisions to Property and Appraisal Quality Control Review Requirements
2021-14 Extension of Implementation Date for April 19, 2021 Publication of the Single Family Housing Policy Handbook 4000.1
2021-13 Student Loan Payment Calculation of Monthly Obligation
2021-12 Eligibility Requirements for Certain Non-Permanent Resident Borrowers
2021-11 Amendments to HUD's Non-Borrowing Spouse Policy for all Home Equity Conversion Mortgage (HECM) Loans
2021-08 Home Equity Conversion Mortgage (HECM) Program - Changes to Interest Rate Requirements Including Removal of the London Interbank Offered Rate (LIBOR) Index


2020 Mortgagee Letters

Document Number Title
2020-48 Manufactured Housing Appraisal Sales Comparison Approach Update
2020-42 2021 Home Equity Conversion Mortgage (HECM) Limits
2020-36 FHA New Construction Requirements
2020-32 FHA Catalyst: Claims Module - Expanded Functionality for Reacquisition Claims
2020-31 Federal Housing Administration (FHA) Defect Taxonomy Appendix to Handbook 4000.1 Attachment. pdf
2020-30 FHA Underwriting Guidelines for Borrowers with previous Mortgage Payment Forbearance
2020-29 FHA Catalyst: Case Binder Module - Expanded Functionality and Updated Case Binder Submission Requirements for Federal Housing Administration (FHA) Post Endorsement Loan Reviews
2020-22 FHA's COVID-19 Loss Mitigation Options
2020-21 Enhancements to FHA's Claims Without Conveyance of Title (CWCOT) Procedures
2020-18 FHA Catalyst: Claims Module - Single Family Forward Loss Mitigation Home Retention Claims
2020-07 FHA Catalyst: Case Binder Module - Single Family Forward and Home Equity Conversion Mortgage (HECM) Electronic Submission
2020-02 Mortgagee Electronic Funds Transfer Accounts


2019 Mortgagee Letters

Document Number Title
2019-20 2020 Nationwide Home Equity Conversion Mortgage (HECM) Limits
2019-18 Maximum Rehabilitation Costs in Qualified Opportunity Zones (QOZs) for Limited 203(k) Mortgages
2019-17 Home Equity Conversion Mortgage (HECM) Program – Condominium Requirements
2019-16 Home Equity Conversion Mortgage (HECM) Program - Continuation of HECM Collateral Risk Assessment Requirements
2019-15 Updates to Mortgagee Optional Election (MOE) Assignment for Home Equity Conversion Mortgages (HECMs) with FHA Case Numbers Assigned Prior to August 4, 2014
2019-14 Updates to FHA's Loss Mitigation Options for Borrowers in Presidentially-Declared Major Disaster Areas (PDMDAs)
2019-13 Single-Unit Approval Process - Obtaining FHA Case Numbers for Single-Unit Approval Originations
2019-11 Maximum Loan-To-Value and Combined Loan-To-Value Percentages for Cash-Out Refinance Mortgages
2019-08 Construction to Permanent and Building on Own Land Programs
2019-05 Removal of the FHA Ten-Year Protection Plan Requirements
2019-04 Removal of the Federal Housing Administration (FHA) Inspector Roster
2019-01 Third Party Verification Services


2018 Mortgagee Letters

Document Number Title
2018-12 2019 Nationwide Home Equity Conversion Mortgage (HECM) Limits
2018-11 2019 Nationwide Forward Mortgage Limits
2018-08 Updated Guidance on Home Equity Conversion Mortgage (HECM) Claim Type 22 (CT-22) Assignment Requests
2018-06 Home Equity Conversion Mortgage (HECM) Program - Changes to Appraisal Submission and Assessment for all HECM Originations


2017 Mortgagee Letters

Document Number Title
2017-18 Property Assessed Clean Energy (PACE)
2017-17 2018 Nationwide Home Equity Conversion Mortgage (HECM) Limits
2017-16 2018 Nationwide Forward Mortgage Limits
2017-13 Extension of Temporary Approval Provisions for the Federal Housing Administration (FHA) Condominium Project Approval Process
2017-12 Home Equity Conversion Mortgage (HECM) Program: Mortgage Insurance Premium Rates and Principal Limit Factors
2017-11 Implementation of HUD’s January 2017 Home Equity Conversion Mortgage (HECM) Final Rule
2017-10 Additional Period of Eligibility for 203(h) Mortgage Insurance for Disaster Victims of Specific Presidentially-Declared Major Disaster Areas (PDMDA) in Louisiana
2017-08 Effective Date of Implementation of the Federal Housing Administration’s Loan Review System, and Change in Effective Date for Time frame for Conducting Pre-Endorsement Mortgage Reviews for Unconditional DE Authority
2017-07 Suspension of Mortgagee Letter 2017-01 - Reduction of Federal Housing Administration (FHA) Annual Mortgage Insurance Premium (MIP) Rates
2017-06 Servicing of FHA-insured Mortgages on Properties Encumbered with a Property Assessed Clean Energy (PACE) Obligation
2017-05 Home Equity Conversion Mortgage (HECM) Claim Type 22 (CT-22) Assignment Requests;
2017-03 Federal Housing Administration (FHA) Loan Review System - Implementation and Process Changes
2017-02 Annual Base City High Cost Percentage and High Cost Area Revisions for 2016
2017-01 Reduction of Federal Housing Administration (FHA) Annual Mortgage Insurance Premium (MIP) Rates


2016 Mortgagee Letters

Document Number Title
2016-25 2017 Nationwide Forward Mortgage Limits – Correction for Special Exception Areas (Alaska, Hawaii, Guam, and the Virgin Islands)
2016-24 Processing Fee for Assumptions
2016-22 Extension of Implementation Date of Selected Sections of Handbook 4000.1
2016-21 Direct Endorsement Program - Timeframe for Conducting Pre-Endorsement Mortgage Reviews for Unconditional Direct Endorsement Authority
2016-20 2017 Nationwide Forward Mortgage Limits
2016-19 2017 Nationwide Home Equity Conversion Mortgage (HECM) Limits
2016-18 Mortgagee Use of Professional Employer Organizations
2016-16 Home Equity Conversion Mortgage Program: Source for 10-Year LIBOR Swap Rate
2016-15 Federal Housing Administration (FHA) Condominium Project Approval – Owner Occupancy Requirement
2016-14 Updates to FHA's Loss Mitigation Retention Options and Miscellaneous Mortgage Servicing Policy
2016-13 Extension of Temporary Approval Provisions for the Federal Housing Administration (FHA) Condominium Project Approval Process
2016-12 203(k) Rehabilitation Mortgage Insurance Program: 203(k) Consultant Draw Inspection Fee
2016-11 Property Assessed Clean Energy (PACE)
2016-10 Home Equity Conversion Mortgage (HECM) Program - Servicing Fee Set- Aside Growth Rate, Third Party Property Tax Verification Fees, and Financial Assessment and Property Charge Requirements
2016-09 Delivery of Advice of Payment and Title Approval
2016-08 Student Loans
2016-07 Expanded Permissive Loss Mitigation for Home Equity Conversion Mortgages (HECMs) and Mortgagee’s Optional Extension to Submitting a Due and Payable Request
2016-05 Additional Guidance related to Mortgagee Letter 2015-15, Mortgagee Optional Election (MOE) Assignment for Home Equity Conversion Mortgages (HECMs) with an FHA Case Number assigned prior to August 4, 2014
2016-04 Automatic Extensions to HUD's Initiation of Foreclosure Timeline
2016-03 Single Family Foreclosure Policy and Procedural Changes for HUD Title II Forward Mortgages and Reverse Mortgages
2016-02 Update of Preservation and Protection (P&P) Requirements and Cost Reimbursement Procedures for Title II Forward Mortgages and Home Equity Conversion Mortgages (HECMS)
2016-01 Additional Extension of Certain Timeframes in connection with Mortgagee Letter 2015-11 (Loss Mitigation Guidance for Home Equity Conversion Mortgages in Default due to Unpaid Property Charges) and Mortgagee Letter 2015-26


2015 Mortgagee Letters

Document Number Title
2015-30 2016 Nationwide Forward Mortgage Limits
2015-29 2016 Nationwide Home Equity Conversion Mortgage (HECM) Limits
2015-28 Annual Base City High Cost Percentage and High Cost Area Revisions for 2015
2015-27 Additional Temporary Approval Provisions for Federal Housing Administration (FHA) Condominium Project Approval
2015-26 Extension of Certain Timeframes in connection with Mortgagee Letter 2015-11, Loss Mitigation Guidance for Home Equity Conversion Mortgages (HECMs) in Default due to Unpaid Property Charges
2015-24 Single Family Foreclosure Policy and Procedural Changes for HUD Title II Forward Mortgages and Reverse Mortgages
2015-23 New Single Family Mortgagee Compliance Manager (MCM)
2015-22 New Standards for Energy Efficient Homes (EEH) "Stretch Ratio” Policy: Incorporating the Department of Energy's (DOE) Home Energy Score
2015-21 Automatic Extensions to HUD’s Initiation of Foreclosure Timeline
2015-20 Revision of Notice to Occupants of Pending Acquisition (NOPA)
2015-18 Single Family Partial Claim Documentation and Delivery Requirements
2015-17 HUD REO Purchasing
2015-15 Mortgagee Optional Election Assignment for Home Equity Conversion Mortgages (HECMs) with an FHA Case Number assigned prior to August 4, 2014;
2015-11 Loss Mitigation Guidance for Home Equity Conversion Mortgages (HECMs) in Default due to Unpaid Property Charges;
2015-10 Home Equity Conversion Mortgage (HECM) Due and Payable Policies;
2015-09 Home Equity Conversion Mortgage (HECM) Program – Life Expectancy Set-Aside Growth Rate and Clarification to Section 3.98 of the HECM Financial Assessment and Property Charge Guide
2015-08 Electronic Appraisal Delivery (EAD) portal for Federal Housing Administration (FHA) Insured Single Family Mortgages
2015-07 Trial Payment Plans Associated with HUD’s Loss Mitigation Loan Modification Options for Forward Mortgages
2015-06 Home Equity Conversion Mortgage (HECM) - Delay in Effective Date for Financial Assessment and Property Charge Funding Requirements for the Payment of Certain Property Charges
2015-04 Revised Notification to Homeowners of Availability of Housing Counseling Services
2015-02 Home Equity Conversion Mortgage (HECM) Program: Policy Guidance and Certifications for Eligible and Ineligible Non-Borrowing HECM Spouses and Seasoning Requirements Guidance
2015-01 Reduction of Federal Housing Administration (FHA) annual Mortgage Insurance Premium (MIP) rates and Temporary Case Cancellation Authority
 

2014 Mortgagee Letters

Document Number Title
2014-25 Federal Housing Administration Maximum Loan Limits Effective January 1, 2015 through December 31, 2015
-- Attachment 1 - Areas at Ceiling and Above
-- Attachment 2 - Areas Between Floor and Ceiling
2014-24 Increasing Use of FHA's Claims Without Conveyance of Title (CWCOT) Procedures
2014-23 FHA Refinance of Borrowers in Negative Equity Positions: Program Extension
2014-22 Home Equity Conversion Mortgage (HECM) Financial Assessment and Property Charge Requirements
2014-21 Revised Changes to the Home Equity Conversion Mortgage (HECM) Program Requirements
2014-19 New Single Family Loan Servicing Contractor
2014-17 Extension of Temporary Approval Provisions for the Federal Housing Administration (FHA) Condominium Project Approval Process
2014-16 Electronic Retention of Foreclosure-Related Documentation
2014-15 Updated Requirements for Pre-Foreclosure Sales (PFS) and Deeds in Lieu (DIL) of Foreclosure
2014-14 Annual Base City High Cost Percentage and High Cost Area Revisions for 2014
2014-13 Voluntary Termination of FHA Mortgage Insurance
2014-12 Home Equity Conversion Mortgage (HECM) Program: New Principal Limit Factors
2014-11 Home Equity Conversion Mortgage (HECM) Program: Limit on Insurability of Fixed Interest Rate Products under the HECM Program
2014-10 Home Equity Conversion Mortgage (HECM) Program - Prohibition on Misleading or Deceptive Program Descriptions or Advertising and Prohibition on Restriction of Mortgagor’s Freedom of Choice
2014-09 Annual Recertification and Post-Approval Updates
2014-08 Guidance on Nonprofits Assisting Government Entities in Providing Secondary Financing in Conjunction with FHA-Insured Mortgages
2014-07 Home Equity Conversion Mortgage (HECM) Program: Non-Borrowing Spouse
2014-03 Electronic Signatures
2014-02 Revised Manual Underwriting Requirements
2014-01 "Save Your Home: Tips to Avoid Foreclosure" - Brochure for Delinquent Mortgagors
 

2013 Mortgagee Letters

Document Number Title
2013-46 FHA's Tier Ranking System II; Final Notice and Responses to Comments
2013-45 Delay in Effective Date for Home Equity Conversion Mortgage (HECM) Financial Assessment Requirements and Funding Requirements for the Payment of Property Charges
2013-44 HUD Single Family Real Estate Owned (REO) Properties: Updates on Ordering New Appraisals and Clarification on Comparables Used for Appraisals
2013-43 Federal Housing Administration Maximum Loan Limits Effective January 1, 2014 through December 31, 2014
-- Attachment 1 - Areas at Ceiling and Above
-- Attachment 2 - Areas Between Floor and Ceiling
2013-42 Extension of Annual Recertification Filing Deadline for Title I and Title II Lenders and Mortgagees with a December 31, 2013 Fiscal Year End
2013-41 Lender Self-Reporting Requirements
2013-40 Loss Mitigation during the Foreclosure Process
2013-39 Methods of Communication with Borrowers
2013-38 Single Family Foreclosure Policy and Procedural Changes for HUD Title II Forward Mortgages and HECM Reverse Mortgages; Reasonable Diligence Requirements; HUD's Schedule of Allowable Attorney Fees
2013-35 FHA Consolidation of Title I and Title II Lender Identification Numbers
2013-34 Delayed Implementation of "PFS Participation Requirement" Section included in Mortgagee Letter 2013-23, Updated Pre-Foreclosure Sale (PFS) and Deed in Lieu (DIL) of Foreclosure Requirements
2013-33 Home Equity Conversion Mortgage Program's Mandatory Obligations, Life Expectancy Set-Aside Calculation, and Purchase Transactions
2013-32 Update to FHA's Loss Mitigation Home Retention Options
2013-30 Annual Base City High Cost Percentage and High Cost Area Revisions for 2013
2013-29 Application of Unused Borrower Funds from an Escrow Account on an Existing Mortgage in FHA-Insured Refinance Transactions
2013-28 Home Equity Conversion Mortgage (HECM) Financial Assessment and Property Charge Guide
2013-27 Changes to the Home Equity Conversion Mortgage Program Requirements
2013-26 Back to Work - Extenuating Circumstances
2013-25 Collections and Disputed Accounts -- TOTAL Mortgage Scorecard User Guide
2013-24 Handling of Collections and Disputed Accounts
2013-23 Updated Pre-Foreclosure Sale (PFS) and Deed in Lieu (DIL) of Foreclosure Requirements
2013-22 Extension of Unemployment Special Forbearance
2013-21 FHA's Proposed Tier Ranking System II; Request for Comments
2013-20 Good Neighbor Next Door Sales Program
2013-19 Partial Claim Documentation and Delivery Requirements
2013-18 Updated Clarification Regarding Title Approval at Conveyance
2013-17 Interest Rates for Loss Mitigation Home Retention Options
2013-16 Subordination of Partial Claim Liens Associated with Federal Housing Administration (FHA) Streamlined Refinances
2013-15 Updated Delinquency/Default Status Codes for the Single Family Default Monitoring System; Special Forbearances and Trial Payment Plans; New Reporting Requirement for Non-Incentivized Loan Modifications
2013-14 Minimum Cash Investment and Secondary Financing Requirements -- Acceptable Documentation for Funds Provided by Federal, State, or Local Governments, their Agencies or Instrumentalities
2013-12 Lender Insurance Program
-- Attachment - Lender Insurance Guide
2013-11 Additional Guidance for the Origination and Servicing of FHA-insured Loans in Presidentially-Declared Major Disaster Areas and Specific Requirement for Hurricane Sandy Affected Communities
2013-06 Extension of Disaster Moratorium and Suspension of Evictions for Specified Properties Impacted by Hurricane Sandy
2013-05 Manual Underwriting for Loans with Decision Credit Score Below 620 and Total Fixed Payments to Effective Income Ratio Exceeding 43.00%
2013-04 Revision of Federal Housing Administration (FHA) policies concerning cancellation of the annual Mortgage Insurance Premium (MIP) and increase to the annual MIP
2013-03 Extension of Implementation Date for Mortgagee Letter 2012-22, Revisions to FHA's Loss Mitigation Home Retention Options
2013-02 Home Equity Conversion Mortgage (HECM) Program - Amended Late Request for Endorsement Procedures
2013-01 Home Equity Conversion Mortgage Program - Consolidation of Pricing Options and Principal Limit Factors for Fixed Interest Rate Mortgages Mortgagee Letters
 

2012 Mortgagee Letters

Document Number Title
2012-29 Interim Reporting Requirements for Small Supervised Lenders and Mortgagees
2012-28 Restatement and Update of Flood Zone Requirements for Federal Housing Administration (FHA) Insured Mortgages
2012-27 Revised Recertification Fee Calculation for FHA-Approved Branch Offices
2012-24 Secondary Financing Eligibility Requirements for Internal Revenue Code (IRC) Section 115 Entities
2012-23 Guidance for FHA-Approved Mortgagees Originating and Servicing Mortgages in Presidentially-Declared Major Disaster Areas
2012-22 Revisions to FHA’s Loss Mitigation Home Retention Options
2012-19 Hazard and Flood Insurance Requirement Reminder
2012-18 Temporary Approval Provisions for the Federal Housing Administration (FHA) Condominium Project Approval Process
2012-17 Home Equity Reverse Mortgage Information Technology (HERMIT) System for the Home Equity Conversion Mortgage (HECM)
2012-15 Documentation Requirements for Income from the Social Security Administration (SSA)
2012-14 Extension of Implementation Date for Mortgagee Letter 2012-11, Clarification Regarding Title Approval at Conveyance
2012-12 Responsibilities of Mortgagees in Regard to State and Local Laws
2012-11 Clarification Regarding Title Approval at Conveyance
2012-10 Miscellaneous Underwriting Issues- Rescission of Disputed Accounts and Collection Accounts Guidance (Mortgagee Letter 2012-3)
2012-09 Annual Base City High Cost Percentage and High Cost Area Revisions for 2012
2012-07 New Single Family Loan Servicing Contractor
2012-06 Changes to FHA's Occupied Conveyance Procedures
2012-05 FHA Refinance of Borrowers in Negative Equity Positions: Program Enhancements
2012-04 Single Family Mortgage Insurance: Annual and Up-Front Mortgage Insurance Premium -- Changes
2012-03 Miscellaneous Underwriting Issues
2012-02 Closing a Loan in the Name of an FHA-Approved Mortgagee Acting as a Sponsored Third-Party Originator (TPO)
 

2011 Mortgagee Letters

Document Number Title
2011-38 Secondary Financing Eligibility Requirements for IRC Section 115 Nonprofits
2011-37 Extension of Implementation and Reporting Dates Regarding Trial Payment Plan for Loan Modifications and Partial Claims under Federal Housing Administration’s Loss Mitigation Program
2011-34 Revised Lender Approval Requirements
2011-33 Mortgage Record Changes and Data Reconciliation
2011-30 The Uniform Appraisal Dataset (UAD) and appraisal reporting forms
2011-29 Federal Housing Administration's (FHA) Maximum Loan Limits Effective October 1, 2011 through December 31, 2011
-- Attachment 1 - Areas at Ceiling and Above
-- Attachment 2 - Areas Between Floor and Ceiling
2011-28 Trial Payment Plan for Loan Modifications and Partial Claims under Federal Housing Administration’s Loss Mitigation Program
2011-25 Alternative Reporting Requirements for Small Supervised Lenders and Clarification of Requirements for Supervised Lenders in Parent-Subsidiary Relationships
2011-24 Annual Base City High Cost Percentage and High Cost Area Revisions for 2011
2011-23 Unemployment Special Forbearance: Temporary Program Changes and Clarifications
2011-20 Termination of the HOPE for Homeowners (H4H) Program
2011-19 Financing of Transaction Costs for Real Estate Owned Properties (REO) Purchased under FHA $100 Down Sales Incentive
2011-18 Elimination of FHA's origination fee cap for the 203(k) Rehabilitation Mortgage Insurance Program
2011-17 Use of HUD/FHA Logo, Name and Acronym in Advertising
2011-12 Tier Ranking Scores - Incentive Round 42
2011-11 FHA Refinance Transactions
2011-08 FHA Single Family Insurance Claims Accounts Receivable Subsystem (ARS) Remittances: Pay.gov Implementation
2011-07 Elimination of the Master Appraisal Report (MAR)
2011-06 Claim Process for FHA Refinances of Borrowers in Negative Equity Positions (ADP Codes 821, 822, 831, or 832)
2011-05 Revised Audited Financial Statement Reporting Requirements for Supervised Lenders in Parent-Subsidiary Structures and New Financial Reporting Requirements for Multifamily Mortgagees
2011-04 FHA Capture of Nationwide Mortgage Licensing System and Registry (NMLS) Information
2011-02 Quality Control Requirements for Direct Endorsement Lenders
2011-01 Home Equity Conversion Mortgage Property Charge Loss Mitigation

Attachments:
-- Model Letter
-- Corporate Advance Procedures
 

2010 Mortgagee Letters

Document Number Title
2010-43 Flood Zone Requirements
-- Appendix
2010-42 Federal Home Loan Bank - Affordable Housing Program, Homeownership Set-Aside Grant Program
2010-39 Home Equity Conversion Mortgage (HECM) – HUD-1 Settlement Statement Closing Certification

-- Attachment - ADDENDUM TO HUD-1 SETTLEMENT STATEMENT
2010-38 Mortgagee Eligibility Requirements and Clarification of FHA's Electronic Annual Certification Requirements and Procedures
2010-37 Home Equity Conversion Mortgage (HECM) Program: Clarification of Policies Regarding the Requirement that HECM Lenders Provide Prospective HECM Borrowers a List of HECM Counseling Agencies
2010-36 Requirements for Combined Loan Amounts
2010-35 Borrower Certification for FHA Refinance of Borrowers in Negative Equity Positions
-- Attachment
2010-34 Home Equity Conversion Mortgage Program – Introducing HECM Saver; Mortgage Insurance Premiums and Principal Limit Factor Changes for HECM Standard
2010-33 FHA Connection Enhancements to Support Sponsored Third Party Originations (Sponsored Originations)
2010-31 Annual Base City High Cost Percentage and High Cost Area Revisions for 2010
2010-29 Minimum Credit Scores and Loan-to-Value Ratios
2010-23 FHA Refinance of Borrowers in Negative Equity Positions
2010-22 Home Equity Conversion Mortgage (HECM) Program Submission of Case Binder Documents

-- Attachment - Home Equity Conversion Mortgage Required Documents for Endorsement
2010-20 Implementation of Final Rule FR 5356-F-02, "Federal Housing Administration: Continuation of FHA Reform--Strengthening Risk Management through Responsible FHA-Approved Lenders"
2010-19 Streamline Refinance Transactions and FHA TOTAL Scorecard
2010-18 Update of Property and Preservation (P&P) Requirements and Cost Reimbursement Procedures
2010-17 Updated HUD REO Lead-Based Paint Appraisal Reporting Requirements
2010-16 Introduction of the M&M III Mortgagee Compliance Manager (MCM) and the P260 Internet Portal
2010-15 FHA Case Number and FHA Roster Appraiser Assignments
2010-14 Electronic Signatures On Third Party Documents
2010-13 Appraisal Update and/or Completion Report (Fannie Mae Form 1004D/Freddie Mac Form 442/March 2005)
2010-12 Use of pay.gov for Lender Approval Application Fees
2010-09 Tier Ranking Scores – Incentive Round 38

- Attachment
2010-08 HUD REO Appraisal Validity Period and Second Appraisals
2010-07 Revisions to Model Home Equity Conversion Mortgage (HECM) Loan Agreement (Loan Agreement) and Fannie Mae Form 1009, Residential Application for Reverse Mortgages (Fannie Mae Form 1009)

Attachments
2010-04 Loss Mitigation for Imminent Default
2010-03 Mortgagee Approval for Single Family Programs - Extended Procedures for Terminating Underwriting Authority
 

2009 Mortgagee Letters

Document Number Title
2009-53 Real Estate Settlement Procedures Act (RESPA) and FHA Related Policies
2009-52 Short Sales and Short Pay Offs
2009-51 Adoption of the Appraisal Update and/or Completion Report (Fannie Mae Form 1004D/Freddie Mac Form 442/March 2005)
2009-50

2010 FHA Maximum Loan Limits
-- Attachment I - At Ceiling and Above
-- Attachment II - Between the Floor and Ceiling
2009-49 Home Equity Conversion Mortgage Program: Subordinate Liens
2009-48 Second Appraisal Reporting Requirements
2009-42 Sub-Servicing of FHA-insured Mortgages
2009-41 Appraisal performance standards and sanctions
2009-39 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
2009-37 Flood Zone Requirements and Responsibilities of FHA Mortgagees and Appraisers
2009-36 Revised Eligibility
2009-35 Loan Modification
2009-34 Home Equity Conversion Mortgage (HECM) - Principal Limit Factors
2009-33 Annual Base City High Cost Percentage Revisions effective January 1, 2009
2009-32 Revised Streamline Refinance Transactions
2009-31 Strengthening Counterparty Risk Management
2009-30 Appraisal Validity Periods
2009-29 Appraisal Portability
2009-28 Appraiser Independence
2009-25 Electronic Annual Certification to Replace Title II Yearly Verification Report
-- Attachment
2009-23 Making Home Affordable Program: FHA's Home Affordable Modification Loss Mitigation Option
2009-21 Home Equity Conversion Mortgage Refinancing of Existing Loans
2009-18 Energy Efficient Mortgages - Increase in the Dollar Amount of Energy Efficient Improvements
2009-17 Accuracy of Lender Data for FHA-approved Mortgagees
2009-16 Manufactured Housing Policy Guidance - Property and Underwriting Eligibility
2009-13 Guidance on FHA Model Mortgage Form for New Mexico
2009-12 Mortgagee Monitoring
2009-11 Final HECM for Purchase Program
2009-09 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)
2009-08 Limits on Cash-Out Refinances
2009-05 Project Lifeline Initiative's Impact on FHA's Foreclosure Time Frames
2009-04 Tier Ranking Scores - Incentive Round 34
2009-03 HOPE for Homeowners Origination and Servicing Guidance Supplement (superseded by 09-43)
2009-02 Co-branded Outreach Materials
2009-01 Annual Renewal of FHA Approval
 

2008 Mortgagee Letters

Document Number Title
2008-43 Pre-Foreclosure Sale (PFS) Program - Utilizing the PFS Loss Mitigation Option to Assist Families Facing Foreclosure
2008-41 Termination of FHASecure
2008-40 Refinance Transactions: New Maximum Mortgage Calculation (Word) (PDF)
-- Attachment -- Loan-to-Value and Combined Loan-to-Value Mortgage Amount Calculation Comparison
2008-39 Revised Eligibility Requirements for FHA Roster Appraisers
2008-36 2009 FHA Maximum Mortgage Limits
-- Attachment I -- FHA Loan Limits for Areas AT CEILING AND ABOVE
-- Attachment II -- FHA Loan Limits for Areas BETWEEN CEILING AND FLOOR
2008-35 HECM Mortgage Limits - Effective Immediately
2008-34 HECM Origination Fee - New Limits
2008-33 Home Equity Conversion Mortgage (HECM) for Purchase Program
2008-32 Use of FHA Loss Mitigation During Bankruptcy
2008-31 2008 Update of Preservation and Protection Guidelines, and Cost Reimbursements
  • Attachment -- Properties Securing FHA Insured Mortgages
2008-28 Prohibition on Mortgagee Funded Home Equity Conversion Mortgage (HECM) Counseling
2008-27 Treble Damages for Failure to Engage in Loss Mitigation
2008-24 Home Equity Conversion Mortgage (HECM) Program - Requirements on Mortgage Originators
2008-23 Revised Downpayment and Maximum Mortgage Requirements
2008-21 FHA Loss Mitigation Program Updates
2008-20 Management and Marketing (M&M) Change for the Philadelphia Homeownership Center (Philadelphia HOC)
2008-17 Non FHA-approved Mortgage Brokers - Forward Mortgages
2008-15 FHA Loan Underwriting and Transmittal Summary, Form HUD-92900-LT and Addendum to Uniform Residential Loan Application, form HUD-92900-A
2008-14 Home Equity Conversion Mortgage Program - Non FHA-Approved Mortgage Brokers
2008-11 Nontraditional Credit Verification and Evaluation
2008-10 Update to Mortgagee Letter 2004-40 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2008-08 Home Equity Conversion Mortgages - Fixed Interest Rate
2008-07 Update to Mortgagee Letter 2004-40 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2008-06 Temporary Loan Limit Increase for FHA
-- Attachment 1 - FHA mortgage limits are at the ceiling
-- Attachment 2 - FHA mortgage limits are in between the ceiling and the floor
2008-05 Tier Ranking Scores - Incentive Round 30
2008-04 FHA Multifamily Statutory Loan Limit Adjustments and Changes in Annual Base City High Cost Percentage for FHA-Insured Multifamily Housing in High-Cost Areas
2008-02 2008 FHA Maximum Mortgage Limits
-- Attachment I
-- Attachment II
2008-01 New Single Family Loan Servicing Contractor
 

2007 Mortgagee Letters

Document Number Title
2007-13 Adjustable Rate Mortgages-Addition of LIBOR Index
2007-12 Management and Marketing (M&M) Change for Philadelphia Homeownership Center (Philadelphia HOC)
2007-11 The FHASecure Initiative and Guidance on Appraisal Practices in Declining Markets
2007-10 Single Family Mortgage Insurance Premiums: Pay.gov Implementation
2007-09 Truncated Social Security Numbers on Credit Reports
2007-08 Home Equity Conversion Mortgage (HECM) Face-to-Face Interviews
2007-07 Management and Marketing (M&M) Contractor Change Philadelphia Homeownership Center (Philadelphia HOC) Contract Area PB (Michigan and Ohio
2007-06 Home Equity Conversion Mortgage Program Existing Property Eligibility Requirements
2007-04 Extension of Special Authority for Use of Partial Claims and Loan Modifications to Assist Victims of Hurricanes Katrina, Rita and Wilma in Presidentially-Declared Major Disaster Areas in Alabama, Florida, Louisiana, Mississippi and Texas
2007-03 Revision of Preservation and Protection Requirements and Cost Reimbursements
-- (Attachment)
2007-02 Updated Post Endorsement Technical Review Process (PETR)
 

2006 Mortgagee Letters

Document Number Title
2006-33 New Construction - Architectural Exhibits Requirements for Single Family Properties
2006-32 Management and Marketing (M&M) Contractor Change for the State of Georgia
2006-31 Tier Ranking Scores
2006-30 Guidance on Handbook 4060.1 REV-2, FHA Title II Mortgagee Approval Handbook
2006-29 Louisiana Road Home Program
2006-28 Mortgage and Foreclosure Rights of Servicemembers under the Servicemembers Civil Relief Act (SCRA)
2006-27 Enhancements to the Neighborhood Watch Early Warning System
2006-26 Updates to the FHA Appraiser Roster: Streamlined Appraiser Examination, Roster Renewal Procedures, and Contact Information
2006-24 Revision to form HUD-92564-CN, For Your Protection: Get a Home Inspection -- (Flyer)
2006-23 Home Equity Conversion Mortgage (HECM) Program: Elimination of Photo Identification Evidence
2006-22 Home Equity Conversion Mortgage (HECM) Program: Extension of Principal Limit Rate Lock
2006-20 Home Equity Conversion Mortgage Program: Subordinate Liens and State and Local Court-Ordered Judgments and Judgment Liens
2006-19 Update to Mortgagee Letter 2004-40 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2006-18 Foreclosure Moratorium Extensions to Assist Borrowers Eligible for Hurricane Grant Funds
2006-17 National Servicing Center (Tulsa, OK office) Address Change
2006-15 Future Delinquency Reporting Requirement
-- (Appendix 1 & 2)
2006-14 Property Flipping Prohibition Amendment
2006-13 Charitable Organizations Making Downpayment Gifts
2006-12 Foreclosure Moratorium Extensions to Assist Victims of Hurricanes Katrina, Rita and Wilma
2006-10 Special Authority for use of Deed-in-Lieu of Foreclosure to Assist Victims of Hurricanes Katrina, Rita and Wilma in Presidentially-Declared Major Disaster Areas approved for individual assistance in Alabama, Florida, Louisiana, Mississippi and Texas
2006-09 Revisions to Appendices A and C to Handbook 4150.2 Change 1, Valuation Analysis for Home Mortgage Insurance for Single Family One- to Four- Unit Dwellings
2006-07 Clarification of Mortgagee Letter 2006-04 - Closing Costs for Home Equity Conversion Mortgages
2006-06 Home Equity Conversion Mortgage Program ? Line of Credit Payment Option for Texas- Single Family
2006-05 Foreclosure Moratorium Extensions to Assist Victims of Hurricanes Katrina, Rita and Wilma
2006-04 Revised Borrower's Closing Costs Guidelines
2006-02 Update to Mortgagee Letter 2004-40 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2006-01 Underwriting Guidance to Accommodate Disaster Victims
 

2005 Mortgagee Letters

Document Number Title
2005-50 Enhancements to "Streamlined (k)" Limited Repair Program
2005-49 2006 FHA Maximum Mortgage Limits
-- Attachment 1
-- Attachment 2
2005-48 FHA Repair and Inspection Requirements for existing properties and revisions to FHA Appraisal Protocol
-- Attachment
2005-47 Tier Ranking Scores
2005-46 Special Authority for Use of Partial Claims and Loan Modifications to Assist Victims of Hurricanes Katrina, Rita and Wilma in Presidentially-Declared Major Disaster Areas in Alabama, Florida, Louisiana, Mississippi and Texas
2005-45 Foreclosure Moratorium Extensions to Assist Victims of Hurricanes Katrina and Rita in Presidentially-Declared Disaster Areas that have counties in Alabama, Louisiana, Mississippi and Texas eligible to receive Individual Assistance
2005-44 Home Equity Conversion Mortgage (HECM) Program - Expanded National HECM Counseling Network
2005-43 Revised Refinance Transactions
2005-42 Update To Mortgagee Letter 2003-17; Submission of Mortgage Record Changes and Data Integrity Issues
2005-41 Update to General Servicing and Preservation and Protection Requirements for Presidentially-Declared Major Disaster Areas in Alabama, Louisiana, Mississippi and Texas
2005-40 Revisions to Single Family Origination Lending Areas and Nationwide Lending
2005-39 Revised Uniform Residential Loan Application (URLA)
2005-37 Flexibility in the Origination of Single Family Loans Using the Principal-Authorized Agent Relationship
2005-36 Lender Insurance Program
2005-34 Adoption of Revised Appraisal Reporting Forms and Update to FHA Appraisal Protocol
-- Attachment
2005-33 Underwriting and Servicing Policies to Assist Victims of Presidentially-Declared Major Disaster Areas
2005-32 Underwriting Section 8 Homeownership Vouchers-Updated Instructions
2005-31 Underwriting and Servicing Policies to Assist Victims of Presidentially-Declared Major Disaster Areas
2005-30 Single Family Foreclosure Policy and Procedural Changes: Reasonable Diligence Requirements; Update to HUD's Schedule of Allowable Attorney Fees; and Update to HUD's Foreclosure Time Frames
2005-29 Update to Mortgagee Letter 2004-45 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2005-26 Reporting Feature Added to the Neighborhood Watch Early Warning System
2005-25 Update to Mortgagee Letter 2004-45 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2005-24 Electronic Payment of the Annual Recertification Fee and Downloading of the Yearly Verification Report via the FHA Connection
2005-23 Amended Late Request for Endorsement Procedures
2005-22 Preservation and Protection Procedural Update
2005-21 HUD's Energy Action Plan and Energy Efficient Mortgages
2005-19 "Streamline (K)" Limited Repair Program
2005-18 Success of Loss Mitigation and Increase in Incentive Payments
2005-17 Transfer of HMDA Data Collection to Federal Reserve Board
2005-16 Revised Qualifying Ratios and Treatment of Child Support
2005-15 Total Mortgage Scorecard Update: Tolerance Levels and Documentation Relief
2005-14 Five-Year Hybrid Adjustable Rate Mortgages (ARMs)
2005-13 Correction to Servicing Guidance for Victims of Presidentially-Declared Major Disaster Areas
2005-12 Update to Mortgagee Letter 2004-45 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2005-11 Update To Mortgagee Letter 2003-17; Claim Filing Changes and Data Integrity Issues
2005-09 Single Family Loan Production - Requirements for retention of Architectural Exhibits in cases of new construction of single family properties
2005-08 Revised Post Endorsement Technical Review Process
2005-07 Update to Mortgagee Letter 2004-45 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2005-06 Lender Accountability for Appraisals
2005-04 Update to Mortgagee Letter 2004-45 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractors
2005-03 Elimination of Refunds of Upfront Mortgage Insurance Premiums
2005-02 Seller Concessions and Verification of Sales
 

2004 Mortgagee Letters

Document Number Title
2004-48 Home Equity Conversion Mortgage (HECM) Counseling Requirements Simplified
2004-47 Total Mortgage Scorecard User Guide Update
2004-46 2005 FHA Maximum Mortgage Limits
-- Attachment 1
-- Attachment 2
2004-45 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2004-44 Total Mortgage Scorecard Update
2004-42 Delinquent Loan Reporting for Mortgages on Leaseholds of Hawaiian Home Lands Insured Pursuant to Section 247 of the National Housing Act
2004-40 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2004-39 Home Equity Conversion Mortgages (HECM); Signature Reduction, Clarification of Required FHA Documents and Revised Instruction to "Residential Loan Application for Reverse Mortgages" - Single Family
2004-33 Debenture Interest Changes
2004-30 Loss Mitigation Performance Scores
2004-28 Credit Policy Issues
2004-27 Home Equity Conversion Mortgage (HECM) Program - Delayed Effective Date for Mortgagee Letter 2004-25 Instructions
2004-26 Filing Conveyance AND Pre-Foreclosure Sale Claims via the FHA Connection --(Attachments .exe file)
2004-25 Home Equity Conversion Mortgage (HECM) Program -- Clarification of HECM Counseling Requirements
2004-23 Enhancements to the Neighborhood Watch Early Warning System
2004-22 Elimination of Paper Mortgage Insurance Certificates for Home Equity Conversion Mortgage (HECM) Claims
2004-20 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2004-19 Mandatory Electronic Submission of Annual Audited Financial Statements
2004-18 Refinancing Existing Home Equity Conversion Mortgages (HECM) and Revision to the HECM Calculation Software- Single Family
2004-16 A New Interactive Website for Preservation and Protection Cost Allowables
2004-15 The purpose of this Mortgagee Letter is to notify mortgagees that the Office of Single Family Asset Management's National Servicing Center (NSC) has relocated to a new address
2004-12 Revised "Residential Loan Application for Reverse Mortgages" Required for Home Equity Conversion Mortgage (HECM)
2004-09 Update of Preservation and Protection Mortgagee Letter 2003-05
2004-07 Update to Preservation and Protection Mortgagee Letters 2002-10, 2002-19, and 2003-05
2004-06 Revision to Chapter 6 (Quality Control Plan) of HUD Handbook 4060.1 REV-1 CHG-1, Mortgagee Approval Handbook
2004-05 Address Change for First Madison Services, Inc. Single Family Loan Servicing Contractor
 

2003 Mortgagee Letters

Document Number Title
2003-22 Home Equity Conversion Mortgages (HECMs) -Procedural Guidance
2003-19 Partial Claims: Program Changes and Updates
2003-17 Elimination of Paper Mortgage Insurance Certificates and Data Integrity Improvement
2003-16 Home Equity Conversion Mortgage (HECM)-Interest Rate Lock-Ins
2003-15 Enhancements to the Neighborhood Watch Early Warning System
2003-11 Single Family Loan Production - Renumbered Form NPCA-99a, Subterranean Termite Soil Treatment Builder's Guarantee and Form NPCA-99b, New Construction Subterranean Termite Soil Treatment Record
-- (NPCA-99a)
-- (NPCA-99b)
2003-10 Address Change for First Madison Services, Inc. Single Family Loan Servicing Contractor
2003-09 Update of Appraiser Qualifications for Placement on FHA Single Family Appraiser Roster and Appraisal Reporting Requirements
2003-06 Loss Mitigation Performance Scores
-- (Attachment)
2003-05 Update of Mortgagee Letter 2002-10, 2002 Preservation and Protection Cost Schedule and Policy Updates/2002 Post Endorsement Guidelines, Fees and Schedules
-- (Attachments)
2003-04 Soldiers' and Sailors' Civil Relief Act
2003-03 Mandatory Electronic Submission of Financial Statement Package for Annual Mortgagee Recertification
 

2002 Mortgagee Letters

Document Number Title
2002-26 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2002-25 Minimum Distance Requirements Between Private Wells and Sources of Pollution for Existing Properties
2002-20 Credit Watch Termination Initiative - Implementation of a Reduction in Threshold
2002-19 Clarification Regarding Title Approval issues, Property Condition at Conveyance, Administrative Offsets and a New Process for Lender Appeal of Conveyance Issues
2002-17 Special Forbearance: Program Changes and Updates
2002-16 Credit Watch Termination Initiative Threshold
2002-15 Enhancements to the Neighborhood Watch Early Warning System
-- Attachment
2002-14 HUD-PA-426 How To Avoid Foreclosure (May 2001)
2002-13 Deed-in-Lieu of Foreclosure Consideration Increase and the Authorization to Pay Cash to Occupants for Keys Prior to Eviction
2002-12 Reinstatement of the Housing Counseling Notification Requirement
2002-11 Loss Mitigation Performance Scores
-- (Attachment)
2002-10 2002 Preservation and Protection Cost Schedule and Policy Updates/2002 Post Endorsement Guidelines, Fees and Charges
-- (Attachments .zip)
2002-09 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2002-08 Proper Use of Direct Conveyance
2002-07 Credit Watch Termination Initiative Threshold
2002-05 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2002-01 Nonprofit Participation in Single Family FHA Activities - New Requirements and Restrictions
-- (Attachments .zip)
 

2001 Mortgagee Letters

Document Number Title
2001-30 All Approved Mortgagees All Approved Nonprofit Organizations All Participating Government Entities
2001-28 Single Family Foreclosure Policy and Procedural Changes: Extension of Time to Initiate Foreclosure in the District of Columbia
2001-27 Pre-approval Requirements for New Construction and an Alternative to the Inspection Requirements - Single Family Loan Production
2001-25 Credit Watch/Termination Thresholds
2001-24 Consideration For Mail Delays Following the Terrorist Attacks
2001-23 Mortgagee Approval for Single Family Programs - Elimination of Placement on Credit Watch Status - Superseding the references to Credit Watch in Mortgagee Letter 99-15
2001-22 The Effect of the Soldiers' and Sailors' Civil Relief Act of 1940 on FHA-insured Mortgages
2001-21 Relief Options for Borrowers Affected by the Events of September 11, 2001
2001-20 Underwriting Section 8 Homeownership Vouchers on FHA Insured Mortgages
2001-19 Single Family Foreclosure Policy and Procedural Changes: Non-Judicial Foreclosure in Hawaii; First Legal Action to Commence Foreclosure in GU, IA, SD, & VI; Reasonable Diligence for Acquiring Possession; Update to HUD's Schedule of Allowable Attorney Fees; and Update to HUD's Foreclosure Time Frames
-- (Attachments)
2001-18 CHUMS Programming Changes for HECM Processing
2001-16 Home Equity Conversion Mortgage Program (HECM) Servicing and Claim Issues
-- (Attachment)
2001-14 FHA Loss Mitigation Clarification of Time Frames
2001-13 Credit Watch/Termination Thresholds
2001-08 Loss Mitigation Performance Scores
-- (Attachment A)
-- (Attachment B)
2001-06 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2001-04 Protection Against Subterranean Termites in New Construction - Single Family Loan Production
2001-03 Debenture Interest Rates
2001-02 Filing Loss Mitigation Incentive Claims via the FHA Connection
-- (Attachments)
 

2000 Mortgagee Letters

Document Number Title
2000-47 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2000-43 Credit Watch/Termination Thresholds
2000-40 FHA Mortgagee Starter Kit Web Page
2000-39 HECM Loans in Texas--Additional Instructions -- (Letter & Attachments Zip file)
2000-37 Address Change for PEMCO Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contractor
2000-34 Home Equity Conversion Mortgages (HECMs) in Texas (Supplement to Mortgagee Letter 00-09 dated March 8, 2000) and instructions on using HECM Mortgage Calculation Software (Supplement to Mortgagee Letter 99-36, dated December 10, 1999)
2000-33 Credit Watch/Termination Thresholds
2000-27 Appraising and Financing HUD Real Estate Owned (REO) Properties With FHA-Insured Financing - Single Family Loan Production
2000-26 Preservation and Protection Cost Update for Debris Removal and Property Inspections; Clarifications on Boarding, Delayed Evictions and Lender Appeals
2000-25 203(K) Rehabilitation Mortgage Program- Single Family Loan Production
-- Appendices .zip
2000-22 Single Family Real Estate Owned (Property Disposition) National Management and Marketing Contracts
2000-21 Credit Watch/Termination Thresholds
2000-20 Neighborhood Watch provides loan performance data via the FHA Connection
2000-19 New Address for Single Family Claims Branch and Submission of Single Family Application for Insurance Benefits (Form HUD-27011) - Paper Claims and Mortgage Insurance Certificates for Electronic Part A Claims
2000-17 Mortgagee Approval - Applications for New Origination Approval Agreements - Credit Watch/Termination Initiative
2000-15 Prohibited Branch Arrangements
2000-13 Single Family Loan Production - Implementation of Address Validation in the FHA Connection
2000-12 Credit Watch/Termination Thresholds
2000-11 Loss Mitigation Performance Scores
2000-10 Revisions to the Home Equity Conversion Mortgages (HECMs) Program
2000-09 Home Equity Conversion Mortgages (HECMs) in Texas
2000-08 Nonprofit Agency Participation in Single Family FHA Activities
-- Attachments .zip
2000-07 Debenture Interest Rates
2000-05 Loss Mitigation Program - Comprehensive Clarification of Policy and Notice of Procedural Changes
2000-04 Single Family Loan Production - FHA Mortgage Insured Financing for the Construction of Storm Shelters
2000-03 Credit Watch/Termination Thresholds
2000-01 Single Family Loan Production - Impact of New EPA Lead Hazard Regulations on 203(k) Rehabilitation Mortgage Insurance
-- Attachment

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