Superseded Mortgagee Letters - Full | HUD.gov / U.S. Department of Housing and Urban Development (HUD)

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Mortgagee Letters Superseded by HUD Handbook 4000.1

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2023 Mortgagee Letters

Document Number	Title
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2023-02	Expansion of the COVID-19 Recovery Loss Mitigation Options Superseded in full by ML 2023-03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 Attachment
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 FannieMae Form 1009 Home Equity Conversion Mortgage Loan Agreement Exhibit 1 - Payment Plan Exhibit 2 - Schedule of Closing Costs Exhibit 3 - Repair Rider
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 Attachment - Guidelines for FHA-HAMP
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 Attachment
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) 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
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 Appendix A Attachment 1 Attachment 2 Attachment 3 Attachment 4 Attachment 5 Attachment 6
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 Attachment - Tier 1 Lenders for 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 Attachment
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 Table of Contents Appendix A Appendix C
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 Attachment
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 Attachment 1 1 Cont'd Attachment 2
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 Attachment 1 Attachment 2 Attachment 3 Attachment 4
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 Attachment
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 Attachment
2004-33	Debenture Interest Changes
2004-30	Loss Mitigation Performance Scores Attachment
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 Attachment A Attachment B Attachment C Attachment D --(Attachments .exe file)
2004-25	Home Equity Conversion Mortgage (HECM) Program -- Clarification of HECM Counseling Requirements Attachment
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 Attachment
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) Attachment
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 Net Development Cost Land User Restriction Addendum Definitions List of Reference Documents
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 Appendices .zip
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 Attachment
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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