Dear Lender Letters
The following topics were shared with OLG stakeholders through email announcements and are compiled here in a single list for your convenience.
Search the below topics by pressing Ctrl-F on your keyboard and entering a keyword.
Contact OLG: Email Section184@hud.gov
2025 | ||
| Number | Date Issued | Description |
| 2025-04 | 03-06-2025 | Dear Lender Letter 2025-04 extends the loss mitigation options currently in place for the Section 184 and Section 184A programs, which expired on March 1, 2025. The DLL extends these options to December 31, 2025, to align with the compliance date of the Section 184 Final Rule entitled “Strengthening the Section 184 Indian Housing Loan Guarantee Program.” The extension retains a full suite of loss mitigation options for American Indian, Alaska Natives, and Native Hawaiian borrowers established under DLL 2023-04 and related technical correction under DLL 2023-09. |
| 2025-03 | 03-06-2025 | Dear Lender Letter 2025-03 updates the maximum loan limits for the Section 184 and Section 184A Loan Guarantee Programs. Additionally, the DLL includes Section 184 loan limits for four recently added counties in Arkansas: Craighead, Crittenden, Greene, and Lonoke counties.
|
| 2025-02 | 03-06-2025 | Dear Lender Letter (DLL) 2025-02 establishes a transition period between the Section 184 Final Rule effective date (December 31, 2024) and the compliance date (December 31, 2025). The DLL provides guidance for Tribes, Lenders, Servicers and other stakeholders on participating in the Section 184 program during the transition period, including a Questions and Answers supplemental document. Attachment: Section 184 Transition Period Q&A Supplemental |
| 2025-01 | 03-06-2025 | Dear Lender Letter 2025-01 extends the foreclosure mortarium period for Section 184 loans in Presidentially Declared Major Disaster Areas (PMDAs) within the States of Florida, Georgia, North Carolina, South Carolina, Tennessee and Virginia due to Hurricanes Helene and Milton until July 7, 2025. For additional information on Section 184 and Section 184 A loans in a PDMA please see Public and Indian Housing (PIH) Notice 2015-15 |
2024 | ||
| Number | Date Issued | Description |
| 2024-10 | 12-23-2024 | Process Change: Revised Process for Requesting Specific Waivers of Section 184 Indian Loan Guarantee Program Processing Guidelines (PIH Notice 2014-22). |
| 2024-09 | 10-18-2024 | This Dear Lender Letter (DLL) provides Lenders and other stakeholders clarification on Accessory Dwelling Units (ADUs) as it relates to the Section 184 Indian Housing Loan Guarantee (Section 184) and the Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) programs. |
| 2024-08 | 08-23-2024 | This Dear Lender Letter (DLL) informs Lenders and other stakeholders of the start of HUD’s FY 2024 financial closeout for the Section 184 Indian Housing Loan (Section 184), the Section 184A Native Hawaiian Housing Loan (Section 184A), and the Title VI Loan Guarantee (Title VI) programs. |
| 2024-07 | 08-22-2024 | This Dear Lender Letter (DLL) extends the COVID-19 Recovery Loss Mitigation Options. |
| 2024-06 | 07-30-2024 | The purpose of this Dear Lender Letter (DLL) is to inform Section 184A Native Hawaiian Housing Loan Guarantee Fund (Section 184A) Lenders of an update regarding Section 184A loan applications for certain properties located in the boundaries of the WMA FUDS. |
| 2024-05 | 07-26-2024 | This Dear Lender Letter (DLL) further extends the foreclosure moratorium in Maui County, Hawaii. |
| 2024-04 | 05-29-2024 | The purpose of this Dear Lender Letter (DLL) is to amend DLL 2023-10 titled "Extension of the Foreclosure Moratorium in Connection with the Presidentially Declared Major Disaster Area in Maui County, Hawaii”. |
| 2024-03 | 03-19-2024 | The purpose of this Dear Lender Letter (DLL) is to inform Lenders participating in the Section 184 Indian Housing Loan Guarantee (Section 184) program and the Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) program of the upcoming release of the second component of Native Advantage, the Loan Origination Module, and changes to the Office of Native American Programs (ONAP) business process related to this release. |
| 2024-02 | 02-28-2024 | This Dear Lender Letter (DLL) extends the initial appraisal and appraisal update validity periods for Section 184 and Section 184A loans. |
| 2024-01 | 01-30-2024 | The purpose of this Dear Lender Letter (DLL) is to update the maximum loan limits for the Section 184 Indian Home Loan Guarantee (Section 184) program and Section 184A Native Hawaiian Home Loan Guarantee (Section 184A) program. |
2023 | ||
| Number | Date Issued | Description |
| 2023-10 | 11-09-2023 | This Dear Lender Letter (DLL) extends the foreclosure moratorium in Maui County, Hawaii. |
| 2023-09 | 08-31-2023 | The purpose of this Dear Lender Letter (DLL) is to issue a technical correction to DLL 2023-04 titled “Expansion of COVID-19 Loss Mitigation Options” issued on May 12, 2023. |
| 2023-08 | 08-24-2023 | This corrected Dear Lender Letter (DLL) informs Lenders and other stakeholders of the start of HUD’s FY 2023 financial closeout for the Section 184 Indian Home Loan (Section 184), the Section 184A Native Hawaiian Home Loan (Section 184A) and the Title VI Loan Guarantee (Title VI) programs. |
| 2023-07 | 08-03-2023 | The purpose of this Dear Lender Letter (DLL) is to provide notice of the temporary expansion of the single close construction and rehabilitation loan reimbursement for stored materials and shipping costs policy. |
| 2023-06 | 08-01-2023 | The purpose of this Dear Lender Letter (DLL) is to update the Section 184 program Eligible Lending Areas and provide 2023 Maximum Loan Limits for these newly approved Section 184 Eligible Lending Areas. |
| 2023-05 | 06-06-2023 | The purpose of this Dear Lender Letter (DLL) is to provide guidance to Lenders on the implementation of the reduction in the Upfront and Annual Loan Guarantee Fees under the Section 184 Indian Home Loan Guarantee Program (Section 184 Program), as published in the Federal Register on May 4, 2023. |
| 2023-04 | 05-12-2023 | This Dear Lender Letter (DLL) extends and amends the COVID-19 Loss Mitigation Options. |
| 2023-03 | 04-25-2023 | The purpose of this Dear Lender Letter (DLL) is to update the maximum loan limits for the Section 184 Indian Home Loan Guarantee (Section 184) program and Section 184A Native Hawaiian Home Loan Guarantee (Section 184A) program.. |
| 2023-02 | 04-13-2023 | This Dear Lender Letter (DLL) updates the process for Tribes to request an expansion of the area in which the Section 184 program may operate.. |
| 2023-01 | 04-11-2023 | The purpose of this Dear Lender Letter (DLL) is to establish a final date for requesting COVID-19 Forbearance and a final date for when the COVID- 19 Forbearance must terminate |
2022 | ||
| Number | Date Issued | Description |
| 2022-06 | 11-29-2022 | The purpose of this Dear Lender Letter (DLL) is to outline the requirements for the Section 184 Skilled Workers Demonstration (Demonstration). Attachment: Skilled Workers Use Agreement |
| 2022-05 | 08-23-2022 | The purpose of this Dear Lender Letter (DLL) is to inform Lenders and other stakeholders of the start of HUD’s Fiscal Year 2022 financial closeout for the Section 184 Indian Home Loan (Section 184), the Section 184A Native Hawaiian Home Loan (Section 184A) and the Title VI Loan Guarantee (Title VI) programs. |
| 2022-04 | 05-17-2022 | The purpose of this Dear Lender Letter (DLL) is to update the maximum loan limits for the Section 184 Indian Home Loan Guarantee (Section 184) program and Section 184A Native Hawaiian Home Loan Guarantee (Section 184A) program. Attachments |
| 2022-03 | 03-10-2022 | The purpose of this Dear Lender Letter (DLL) is to amend some of the review and re-review requirements in DLL 2022-01 and to make a technical update to the First Legal Action and Reasonable Diligence time frames for Borrowers exiting a COVID-19 Forbearance. Attachment |
| 2022-02 | 02-17-2022 | The purpose of this Dear Lender Letter (DLL) is to inform Lenders and Servicers participating in the Section 184 Indian Home Loan Guarantee (Section 184) program, the Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) program and the Tribal Activities Loan Guarantee (Title VI) program of their requirement to obtain and report their UEI (SAM) (SAMs Number) to the Office of Loan Guarantee (OLG) no later than March 15, 2022. This requirement also applies to the Department of Hawaiian Home Lands (DHHL). |
| 2022-01 | 01-19-2022 | The purpose of this Dear Lender Letter (DLL) is to restate the COVID-19 loss mitigation options for the Section 184 Indian Home Loan Guarantee (Section 184) and Section 184A Native Hawaiian Home Loan Guarantee (Section 184A) programs, including three new loss mitigation options. View Letter Attachments |
2021 | ||
| Number | Date Issued | Description |
| 2021-14 | 12-16-2021 | This Dear Lender Letter (DLL) announces a revision to DLL 2021-13 issued on November 22, 2021, which announced, among other things, the deadline all Office of Native American Programs (ONAP)-approved Direct Guarantee (DG) Lenders and Servicers must use the Native Advantage Claims Module to submit claims. |
| 2021-13 | 11-22-2021 | The purpose of this Dear Lender Letter (DLL) is to announce the release of the first component of Native Advantage, ONAP’s new loan management platform to support the Section 184 and Section 184A programs. |
| 2021-12 | 11-12-2021 | Endorsement of Loans for Borrowers under a COVID-19 Forbearance for the Section 184 Indian Home Loan Guarantee program (Section 184) and Section 184A Native Hawaiian Home Loan Guarantee program (Section 184A). |
| 2021-11 | 09-30-2021 | Extension of COVID-19 Forbearance for the Section 184 Indian Home Loan Guarantee (Section 184) and Section 184A Native Hawaiian Home Loan Guarantee (Section 184A) programs. |
| 2021-10 | 09-14-2021 | Section 184 Indian Home Loan Guarantee (Section 184) Program – Issuance of a Loan Guarantee Certificate (LGC) Prior to the Receipt of Trailing Documents |
| 2021-09 | 09-03-2021 | Technical changes and updates to property preservation, reasonable diligence time frames and attorney fees for Loan Guarantee claim payments. |
| 2021-08 | 08-17-2021 | Office of Loan Guarantee Fiscal Year (FY) 2021 Year End Closure |
| 2021-07 | 07-30-2021 | Extension of Foreclosure-Related Eviction Moratorium and Expiration of the Foreclosure Moratorium in Connection with the Presidentially-Declared COVID-19 National Emergency. |
| 2021-06 | 06-30-2021 | Extension of Foreclosure and Eviction Moratorium and Further Expansion of COVID-19 Forebearance. |
| 2021-05 | 05/10/2021 | Section 184 Program Activity |
| 2021-04 | 04/22/2021 | Underwriting Guidelines for General Refinance Transactions; Underwriting Guidelines for Borrowers with Previous COVID-19 Forbearance History |
| 2021-03 | 03/31/2021 | Section 184A Financing of Homes Located on Agricultural and Pastoral Lots on Hawaiian Home Lands
|
| 2021-02 | 02/19/2021 | Section 184 Indian Home Loan Guarantee program (Section 184) and Section 184A Native Hawaiian Home Loan Guarantee program (Section 184A) extension of foreclosure and eviction moratoriums; extension and amendment of loan processing flexibilities; and expansion of loss mitigation options in connection with the COVID-19 National Emergency. |
| 2021-01 | 01/21/2021 | Extension of foreclosure and eviction moratorium and loan processing flexibilities in connection with the Presidentially Declared COVID-19 National Emergency. |
2020 | ||
| Number | Date Issued | Description |
| 2020-13 | 12/21/2020 | Extension of foreclosure and eviction moratorium and loan processing flexibilities in connection with the Presidentially Declared COVID-19 National Emergency. |
| 2020-12 | 10/30/2020 | Extension of Re-verification of Employment and Tax Transcript Flexibilities and Updated Appraisal Flexibilities in Connection with the COVID-19 National Emergency |
| 2020-11 | 09/09/2020 | Section 184A Loan Limits |
| 2020-10 | 08/28/2020 | Extension of Foreclosure Moratorium and Administrative Flexibilities |
| 2020-09 | 08/14/2020 | Office of Loan Guarantee Fiscal Year 2020 Year-End Closure |
| 2020-08 | 06/29/2020 | Extension of DLL 2020-04, DLL 2020-05 and DLL 2020-0 |
| 2020-07 | 06/22/2020 | Catalyst - Electronic Document Delivery Module (DDM) Section 184 and Section 184A Electronic Endorsement and Claims Submission |
| 2020-06 | 05/19/2020 | CARES Act- Clarification of Eviction Moratorium and Loss Mitigation |
| 2020-05 | 04/09/2020 | COVID-19 Employment Verification and Appraisal Process |
| 2020-04 | 03/20/2020 | COVID-19 Foreclosure and Eviction Moratorium |
| 2020-03 | 03/14/2020 | COVID-19 Electronic Submission of Endorsement Package |
| 2020-02 | 03/16/2020 | COVID-19 and Non-COVID Loss Mitigation Process |
| 2020-01 | 03/09/2020 | Tribe-TDHE Cash Out Refinance |
Notices Issued Before 2020 | ||
| Number | Date Issued | Description |
| 04/30/2019 | Section 184 Claims Review and Payment | |
| 08/03/2017 | ONAP Loan Origination System Notice | |
| 11/15/2016 | November 15, 2016 memo – Loan processing updates (Effective December 1, 2016) | |
| 11/02/2016 | Fee Increase FAQs (dated 11/2/2016) | |
| 11/01/2016 | Annual Fee Federal Register Notice (dated 11/1/2016) | |
| 04/13/2016 | FHA Mortgagee Letter 2016-08 – calculating student loan payments | |
| 02/25/2015 | Annual Fee Submission Tutorial Annual Fee Submission Tutorial (PAY.GOV)
| |
| 10/15/2014 | Annual Fee Mortgagee Letter (dated 10/15/2014) | |