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Loss Mitigation Policy & Guidance
Doc. Number Title

Automatic Extensions to HUD's Initiation of Foreclosure Timeline


Single Family Partial Claim Documentation and Delivery Requirements


Trial Payment Plans Associated with HUD’s Loss Mitigation Loan Modification Options for Forward Mortgages


Revised Notification to Homeowners of Availability of Housing Counseling Services


New Single Family Loan Servicing Contractor

14-16 Electronic Retention of Foreclosure-Related Documentation
14-15 Updated Requirements for Pre-Foreclosure Sales (PFS) and Deed in Lieu (DIL) of Foreclosure
14-13 Voluntary Termination of FHA Mortgage Insurance
14-03 Electronic Signatures

"Save Your Home: Tips to Avoid Foreclosure" - Brochure for Delinquent Mortgagors


Loss Mitigation during the Foreclosure Process


Methods of Communication with Borrowers


Single Family Foreclosure Policy and Procedural Changes for HUD Title II Mortgages and HECM Reverse Mortgages; Reasonable Diligence Requirements; HUD's Schedule of Allowable Attorney Fees 


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 


Update to FHA's Loss Mitigation Home Retention Options


Updated Pre-Foreclosure Sale (PFS) and Deed in Lieu (DIL) of Foreclosure Requirements


Extension of Unemployment Special Forbearance


Partial Claim Documentation and Delivery Requirements

 - Attachment 1 - Promissory Note
 - Attachment 2 - Partial Claim Mortgage
 - Attachment 3 - Instructions for Partial Claim Mortgage Form

Interest Rates for Loss Mitigation Home Retention Options 


Subordination of Partial Claim Liens Associated with Federal Housing Administration (FHA) Streamlined Refinances


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


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


Extension of Implementation Date for Mortgagee Letter 2012-22, Revisions to FHA's Loss Mitigation Home Retention Options


Revisions to FHA Home Retention Options


New Single Family Loan Servicing Contractor

11-37 Extension of Implementation and Reporting Dates Regarding Trial Payment Plan for Loan Modifications and Partial Claims under FHA's Loss Mitigation Program

Mortgage Record Changes and Data Reconciliation

11-28 Trial Payment Plan for Loan Modifications and Partial Claims under FHA's Loss Mitigation Program

Unemployment Special Forbearance:  Temporary Program Changes and Clarifications


FHA Single Family Insurance Claims Accounts Receivable Subsystem (ARS) Remittances: Implementation

10-11 Availability of Treasury Success Payments for FHA-HAMP Modifications
(See also US Treasury FHA-HAMP Overview)

Loss Mitigation for Imminent Default


Introduction of EClass


Sub-Servicing of FHA-insured Mortgages


Updated Claim Filing and Delinquency/Default Reporting Requirements For FHA's Making Home Affordable Modification Program (FHA-HAMP)

 - Appendix 2 - Delinquency/Default Reason Codes
 - Appendix 3 -Claim Filing Assistance for Loss Mitigation Claims
09-35 Loan Modifications: FHA Loss Mitigation Incentives - Updates
 -   Making Home Affordable: FHA's Home Affordable Modification Loss Mitigation Option
 -   Attachment - Guidelines for FHA-HAMP

Preforeclosure Sale (PFS) Program - Utilizing the PFS Loss Mitigation Option to Assist Families Facing Foreclosure

Appendix A

08-32 Use of Loss Mitigation During Bankruptcy
08-27  Treble Damages for Failure to Engage in Loss Mitigation
08-21  FHA Loss Mitigation Program Updates 
07-04  Extension of Special Authority...Partial Claims and Loan Modifications...Hurricanes Katrina, Rita, and Wilma...

 (see also 05-46)

06-28   Mortgage and Foreclosure Rights of Servicemembers under the Servicemembers Civil Relief Act (SCRA) 
 06-17  National Servicing Center (Tulsa Office) Address Change

Future Delinquency Reporting Requirements

 -   Appendices 1 and 2
06-10 Special Authority...Deed-in-Lieu of Foreclosure...Hurricanes Katrina, Rita, and Wilma...

 Underwriting and Servicing Policies to Assist Victims of Presidentially-Declared Major Disaster Areas

(see also 05-31, 04-32, 01-07, 99-11)


Single Family Foreclosure Policy and Procedural Changes: Reasonable Diligence...Allowable Attorney Fees... Foreclosure Timeframes

(see also 01-28 (DC) and 01-19)

05-18   Success of Loss Mitigation and Increase in Incentive Payments
04-26   Filing Conveyance and Pre-Foreclosure Sale Claims via the FHA Connection
 04-15    National Servicing Center Address Change
 03-19   Partial Claims: Program Changes and Updates
02-17   Special Forbearance: Program Changes and Updates
02-14   HUD-PA-426, How To Avoid Foreclosure (May 2001)
02-13   Deed-In-Lieu of Foreclosure Consideration Increase and the Authorization to Pay Cash To Occupants for Keys Prior to Eviction
01-24   Consideration for Mail Delays Following the Terrorist Attacks
01-14   Clarification of Time Frames
01-02 Filing Loss Mitigation Incentive Claims via the FHA Connection
 00-05 Loss Mitigation Program - Comprehensive Clarification of Policy and Notice of Procedural Changes
99-27  New Procedures for Filing Loss Mitigation Claims
98-18 Risk Assessment for Defaulted Loans
98-12  Oklahoma City Central Servicing Office
98-07 Program Policy and Procedural Updates
97-43 FHA Loss Mitigation - Mortgage Modification Clarifications
97-17  FHA Loss Mitigation - Clarification of Procedures - Appendices-Partial Claim Subordinate Mortgage/Note/Promissory Note
96-32  Loss Mitigation - Mortgage Modification
96-25 Existing Alternatives to Foreclosure - Loss Mitigation
96-24 Termination of the Assignment Program