www.hudclips.org U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000 July 15, 1993 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER Mortgage Letter 93-21 TO: ALL APPROVED MORTGAGEES SUBJECT: Checklist of Current Housing Mortgagee Letters The following is a listing of Mortgagee Letters which are current from July 1976 thru December 31, 1992. Number Subject Date Issued 76-7 Application of Mortgage Payments 03/31/76 Prior to Final Endorsement 76-14 Project Mortgage Insurance Claims, 07/26/76 Revised Election Filing Instructions 78-10 Payment of Claims-Loans Insured 07/13/78 Under Section 241 78-13 Amendment to Mortgagee's Certificate, 11/02/78 Form FHA-2434 79-15 Single Family Coinsurance 08/01/79 80-2 Centralization of Fee and Premium 01/09/80 Billing 80-33 Housing and Community Development 08/07/80 Amendments of 1979-Section 245 80-46 Payment of Claims - Mortgages Insured 11/18/80 Under Title X 80-49 Change to Method of Payment of Mortgage 12/23/80 Insurance Premiums with HUD Debentures 81-40 Redemption of Debentures in Exchange 12/22/81 for the Payment of Mortgage Insurance Premiums _____________________________________________________________________ 2 82-13 Surplus Escrow Payments for 08/04/82 Multifamily Project Mortgages 83-1 Assignment of Multifamily Mortgages 01/12/83 83-8 Withholding of Interest on HUD 03/25/83 Debentures Not Completion of Form HUD-93104, Monthly 03/10/83 Numbered Report of Excess Income 83-24 Requirements for Multifamily Insured 10/25/83 Projects 84-6 Single Family Condominium Provisions 03/27/84 of the Housing and Urban-Rural Recovery Act of 1983 85-3 Growing Equity Mortgages (GEMS) 03/15/85 85-25 Implementing Wire Transfers of 11/08/85 Multifamily Claims Payable in Cash of $5,000 or more 86-8 Insurance Requirements, Multifamily 03/24/86 Housing Projects 86-9 Single Family Development-Streamlined 03/24/86 Refund Process for Refinance Transactions 87-6 Single Family Development-Streamlined 02/02/87 Refund Process for Refinance Transactions 87-9 Mortgage Prepayment Provisions for 02/10/87 HUD-Insured and Coinsured Multifamily Projects 87-14 Operational Jurisdiction for 04/23/87 Multifamily Projects 87-22 Use of Project Reserve/Residual Receipt 07/28/87 Accounts to Cure a Potential Mortgage Default 87-24 Refinance Transactions - Additional 08/31/87 Instructions and Clarifications 87-25 Fraud Alert - Fictitious Notices of 09/08/87 Mortgage Transfer or Sale _____________________________________________________________________ 3 87-32 Single Family Processing Procedures: 10/19/87 Shared Equity Identify of Interest, Uniform Residential Appraisal Report (URAR) Sales Data, Prohibited Kickback Payments, Mortgagor Borrowing Funds for the Required Investment 87-39 Changes to the Term of HUD Conditional 11/30/87 Commitments Issued for Proposed Construction 88-5 Single Family Development-Certifications 02/29/88 of Mechanical Equipment, Roofing or Structural Components by Qualified Home Inspectors (Existing Properties) 88-13 Sarabond Testing 04/28/88 88-14 Single Family Production--Requests 05/17/88 to Increase the Single Family Mortgage Limits 88-22 Annual Inspection of Insured Projects 07/11/88 88-24 Shared Equity Program 06/27/88 88-26 Disclosure Requirements Concerning 07/21/88 the Origination of Adjustable Rate Mortgages (ARMS) 88-29 FHA Debentures 08/26/88 88-30 Single Family Production Clarification 09/09/88 and Changes to processing Procedures 88-34 Purchase of HUD Forms from Government 10/31/88 Printing Office 88-35 Purchase of Mortgages Prior to 11/03/88 Issuance of MICs 89-1 Single Family Subdivision Processing 01/04/89 Requirements - VA/CRVs and MCRVs 89-7 Growing Equity Mortgage Program 01/19/89 89-9 Revised Single Family Subdivision 02/01/89 Processing Requirements - VA/CRVs and MCRVs _____________________________________________________________________ 4 89-12 Investment of Replacement Reserves 03/28/89 and Residual Receipts in Tax-Exempt Securities 89-13 Clarification of Residential Mortgagor 03/29/89 Credit Report Standards 89-23 Single Family Loan Production 10/11/89 - Requirements for Single Family Mortgage Instrument 89-24 Insurance of Adjustable Rate Mortgages 09/29/89 on Single Family Properties Section 251 of the National Housing Act 90-12 Reform Act of 1989 Emphasis on 04/16/90 Enforcement of Servicing Requirements 90-14 Use of Good Faith Estimates to 05/07/90 Establish Closing Costs and Other Allowable Fees, and HUD-1 Disclosure of 3rd Party Participation 90-15 Pursuing Collection of Funds from 05/01/90 Mortgagors Whose Mortgages have been Foreclosed Upon to Offset Lender's Mortgage Losses 90-16 Flood Insurance Requirements for FHA 05/22/90 Insured Loans 90-17 Home Equity Conversion Mortgage (HECM) 05/29/90 Insurance Program Changes and Amendments to HUD Handbook 4235.1 90-20 SF Loan Production - Refinance 06/26/90 Transactions Involving Temporary Buydowns - "Live Free" Mortgage Programs "Churning" Mortgages by Multiple Refinances - New Telephone Number for Credit Alert Interactive Voice Response System (CAIVRS) 90-25 Home Mortgage Disclosure Reporting 07/18/90 Requirements 90-26 Single Family Production - Providing 07/26/90 Property Condition Disclosures Statements to Appraisers 90-28 Single Family Production - Field 08/10/90 Review of Appraisals Involving Former HUD-owned Properties _____________________________________________________________________ 5 90-29 Supplemental Information to Mortgagee 08/09/90 Letter 90-14, Use of Good Faith Estimates to Establish Closing Costs 90-32 Payment of Multifamily Claims by 08/24/90 Issuance of Debentures 90-41 Mortgagees' Obligations in Remitting 11/21/90 Late Charges and Interest Payments for Delinquent One-Time Mortgage Insurance Premium (OTMIP) Remittances 91-1 SF Loan Production - Implementation 01/10/91 of Certain Provisions of the 1990 Housing Legislation 91-2 Delegated Processing Services for 01/11/91 Multifamily Mortgage Insurance Programs 91-8 Single Family Production - Updated 02/11/91 Requirements for Single Family Mortgage Insurance 91-8 SUP Single Family Loan Production 04/05/91 - Updated Requirements for Single Family Mortgage Instruments (Exhibit D) 91-9 Single Family Production - Providing 02/11/91 Closing Instructions to Settlement Agents and Revised HUD-1 Certifications 91-12 Single Family Loan Production - Use of the Department of Veterans Affairs VA/U.S. Department Wood Destroying Insect Information Report for Exiting 02/28/91 Construction VA Form 26-8850/HUD Form 92053 dated April 1983 91-15 Single Family Loan Production 03/11/91 - Clarification to ML 89-31 (Elimination of Private Investors) 91-17 Mortgagee Responsibilities Pending 03/20/91 Assignment of Multifamily Mortgages 91-18 Home Mortgage Disclosure Reporting 03/22/91 Requirements 91-23 Multifamily Mortgage Premiums 05/20/91 91-26 Single Family Insurance Processing for 05/30/91 Risk Based Mortgage Insurance Premium _____________________________________________________________________ 6 91-27 Dept Policy Regarding Mortgage 06/04/91 "Cramdowns" 91-35 Announcement of Reconciliation Group 08/07/91 for Risk-Based Premiums 91-37 Civil Money Penalties Against 08/12/91 Mortgagees - Implementation of the HUD Reform Act 91-41 Home Mortgage Disclosure Act Reporting 08/27/91 Panel 91-42 Availability of Flood Insurance 09/06/91 Brochures 91-43 Single Family Loan Production - State 09/16/91 Licensing Requirements for Appraisers and its Impact on the Direct Endorsement Program 91-44 Single Family Loan Production 09/18/91 - Clarification to Mortgagee Letter 91-24 on Lender Paid Closing Costs 91-45 Announcement of HUD's Pre-Foreclosure 09/25/91 Sale Program Demonstration 91-46 Change in Maximum Interest Rates 09/24/91 91-47 Occupied Conveyance of 11/01/91 One-to-Four-Properties 91-50 Single Family Loan Production - Revised 12/31/91 Interest Rate Disclosure Statement 92-4 Effect of Agent Orange Compensation 02/06/92 Exclusion Act on Section 235 Mortgages 92-5 Mortgagee Monitoring - Significant, 02/06/92 Reoccurring Findings 92-6 Home Mortgage Disclosure Act (HMDA) 02/13/92 Update 92-7 Single Family Loan Production 03/02/92 - Implementation of the Uniform Residential Application (URLA), HUD/FHA Addendum to URLA (Form HUD-92900-A) and Request for Endorsement (Form HUD-5411) _____________________________________________________________________ 7 92-9 Use of the Credit Alert Interactive 02/28/92 Response System (CAIVRS) in Deeds-in-Lieu of Foreclosure 92-10 Single Family Loan Production 03/24/92 - Enhancements to CLAS 92-13 Automatic Clearing House (ACH) 03/27/92 Information Package 92-14 Single Family Loan Production 04/24/92 - Exemption from Annual MIP for Streamline Refinance Mortgages 92-15 Single Family Loan Production 05/12/92 - Miscellaneous Changes to Underwriting Guidelines and Documentation Requirements 92-16 Mortgage Insurance on Indian 05/14/92 Reservations and Other Restricted Lands (Section 248) 92-17 Servicing FHA-insured Mortgages 05/22/92 Affected by the Los Angeles Riots (April 30, 1992) 92-18 SF Loan Production - Acceptance of 06/05/92 Individual Residential Water Purification Equipment 92-19 Prepayment Disclosure Statements 06/19/92 - Correction to the Federal Register Notice, Correction Dated April 13, 1992 92-20 First Legal Action to Commence 06/19/92 Foreclosure - Texas, Colorado and Massachusetts 92-21 Additional Extension of Time to 07/01/92 Initiate Foreclosure to Permit Compliance with Assignment Letter or State Notice Requirements After Release from Bankruptcy Stay 92-22 Announcement of Automated Clearing 07/20/92 House Payments (ACH) for Monthly Risk-Based Mortgage Insurance Premiums 92-24 Single Family Loan Production - Revised 08/11/92 Lead-Based Paint Notification to Prospective Homebuyers _____________________________________________________________________ 8 92-25 Single Family Loan Production 08/11/92 - Construction/Permanent Mortgages Pilot Program 92-26 Prompt Remittance of Mortgage Insurance 08/13/92 Premiums (MIPs) 92-27 Servicing FHA-Insured Mortgages 08/28/92 Affected by Hurricane Andrew 92-28 Prepayment Disclosure Statements 09/14/92 - Extension for First Mailing of the Annual Disclosure Statement 92-29 Single Family Mortgage Insurance Claim 09/15/92 Submissions and Inquiries 92-31 Expansion of the credit Alert 09/17/92 Interactive Voice Response System (CAIVRS) 92-32 Single Family Loan Production - The 09/23/92 Revised Lead-Based Paint Notice 92-33 Single Family Loan Production 09/28/92 - Clarifications of Modifications to the 203(k) Rehabilitation Program Procedures 92-34 Single Family Loan Production - Program 09/30/92 and Underwriting Changes to Assist Disaster Victims of Recent Hurricanes 92-35 Single Family Loan Production 10/02/92 - Miscellaneous Policy Issues 92-36 New Remittance Form HUD-2752, 10/05/92 "Risk-Based Annual Premiums: Monthly Remittance Summary" 92-37 Single Family Claims for Insurance 10/13/92 Benefits: New Initiatives, System Enhancements and Policy Clarifications 92-38 Servicing FHA-Insured Mortgages 10/15/92 Affected by Hurricane Iniki 92-39 Single Family Loan Production 10/16/92 - Elimination of Limit on Financing Closing Costs 92-40 Assistance to Mortgagors Adversely 10/02/92 Affected by Hurricane Andrew _____________________________________________________________________ 9 92-41 Hazard Insurance Proceeds 11/04/92 92-42 Servicing FHA Insured Mortgages 11/05/92 Affected by Hurricane Omar 92-43 Single Family Loan Production 12/10/92 Provisions of Recent Housing Legislation and Mortgage Insurance Premiums on 15-Year Mortgages As a service to you, I am forwarding a copy of each of these letters to assure that your files are complete. Additionally, to reduce storage and handling costs, HUD will no longer stock mortgagee letters issued prior to 1992. I recommend you establish a central file for these letters to assure their future availability to all your staff. Sincerely, Nicolas P. Retsinas Assistant Secretary for Housing - Federal Housing Commissioner Attachments