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2011 Mortgagee Letters
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Document Number Title
11-40 Large Loan Risk Mitigation Policies
11-39 Federal Housing Administration Maximum Loan Limits Effective October 1, 2011 through December 31, 2012

-- Attachment 1 - Areas at Ceiling and Above
-- Attachment 2 - Areas Between Floor and Ceiling
11-38 Secondary Financing Eligibility Requirements for IRC Section 115 Nonprofits
11-37 Extension of Implementation and Reporting Dates Regarding Trial Payment Plan for Loan Modifications and Partial Claims under Federal Housing Administration’s Loss Mitigation Program
11-36 Elimination of HUD Headquarters concurrence of affordable housing programs with borrowers whose household income exceeds 115 percent of the area median income (AMI)
11-35 Annual Mortgage Insurance Premium for Loans With Terms of 15 Years or Less and a Loan to Value (LTV) ratio of 78 Percent or Less at Origination
11-34 Revised Lender Approval Requirements
11-33 Mortgage Record Changes and Data Reconciliation
11-32 Underwriting Policies and Procedures for Commercial Space and Income in HUD-Insured Multifamily Projects
11-31 Home Equity Conversion Mortgage (HECM): Revised Form HUD 92902, Certificate of HECM Counseling and Clarification of Counseling Guidance
11-30 The Uniform Appraisal Dataset (UAD) and appraisal reporting forms
11-29 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
11-28 Trial Payment Plan for Loan Modifications and Partial Claims under Federal Housing Administration’s Loss Mitigation Program
11-27 HUD Amendment to the American Institute of Architects (AIA) Document B108 (formerly B181-1994), Standard Form Agreement Between Owner and Architect for a Federally Funded or Federally Insured Project (Amendment)

-- Attachment
11-26 Home Equity Conversion Mortgage (HECM) Counseling: Intermediaries Included on the HECM Counselor List
11-25 Alternative Reporting Requirements for Small Supervised Lenders and Clarification of Requirements for Supervised Lenders in Parent-Subsidiary Relationships
11-24 Annual Base City High Cost Percentage and High Cost Area Revisions for 2011
11-23 Unemployment Special Forbearance: Temporary Program Changes and Clarifications
11-22 Condominium Approval Process for Single Family Housing – Consolidation and Update of Approval Requirements

-- Attachment
-- Guide
11-21 Revised Instructions for Preparing American Land Title Association (ALTA)/American Congress on Surveying and Mapping (ACSM) Land Title Survey for HUD Multifamily Housing Programs

-- Attachment 1 - HUD Survey Instructions and Report (HUD-92457A-M)
-- Attachment 2 - Surveyor's Report (HUD-92457M)

11-20 Termination of the HOPE for Homeowners (H4H) Program
11-19 Financing of Transaction Costs for Real Estate Owned Properties (REO) Purchased under FHA $100 Down Sales Incentive
11-18 Elimination of FHA's origination fee cap for the 203(k) Rehabilitation Mortgage Insurance Program
11-17 Use of HUD/FHA Logo, Name and Acronym in Advertising
11-16 Home Equity Conversion Mortgage —Rescission of Mortgagee Letter 2008-38— Borrower’s recourse for repayment of HECM debt
11-15 Revision to Procedures for Partial Payment of Claims of Section 232 Mortgages
11-14 Subordination, Non-Disturbance and Attornment Agreements
11-13 Revision of Mortgagee Letter ML 10-30, Extension of Temporary Authority for Multifamily Hubs to Process Waiver Requests Pertaining to the Three-Year Rule for Section 223(f)1
11-12 Tier Ranking Scores - Incentive Round 42
11-11 FHA Refinance Transactions
11-10 Annual Mortgage Insurance Premium Changes and Guidance on Case Numbers
11-09 Home Equity Conversion Mortgage (HECM) Counseling: Waiver of HECM Counseling Fees and Activities Included in the Time Recorded Portion of the HECM Counseling Certificate
11-08 FHA Single Family Insurance Claims Accounts Receivable Subsystem (ARS) Remittances: Pay.gov Implementation
11-07 Elimination of the Master Appraisal Report (MAR)
11-06 Claim Process for FHA Refinances of Borrowers in Negative Equity Positions (ADP Codes 821, 822, 831, or 832)
11-05 Revised Audited Financial Statement Reporting Requirements for Supervised Lenders in Parent-Subsidiary Structures and New Financial Reporting Requirements for Multifamily Mortgagees
11-04 FHA Capture of Nationwide Mortgage Licensing System and Registry (NMLS) Information
11-03 Extension of Temporary Guidance for Condominium Policy
11-02 Quality Control Requirements for Direct Endorsement Lenders
11-01 Home Equity Conversion Mortgage Property Charge Loss Mitigation

Attachments:
-- Model Letter
-- Corporate Advance Procedures

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