Department of Housing and Urban Development

Mortgagee Letter 2020-50 (December 28, 2020) To: All FHA Section 232 Approved Mortgagees. Subject: Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic. (PDF)   Mortgagee Letter 2020-50 (December 28, 2020) To: All FHA Section 232 Approved Mortgagees. Subject: Re-Extension of Interim Procedures to Address Site Access Issues Related to Section 232 Mortgage Insurance Applications During the COVID-19 Pandemic.

News Release (December 21, 2020) FHA Extends Options for Single Family Borrowers Financially Impacted by COVID-19 (PDF)   News Release (December 21, 2020) FHA Extends Options for Single Family Borrowers Financially Impacted by COVID-19

Mortgagee Letter 2020-43 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in Connection with the Presidentially-Declared COVID-19 National Emergency. (PDF)   Mortgagee Letter 2020-43 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in Connection with the Presidentially-Declared COVID-19 National Emergency.

Mortgagee Letter 2020-44 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Second Update to the COVID-19 Forbearance Start Date and the COVID-19 Home Equity Conversion Mortgage (HECM) Extension Period. (PDF)   Mortgagee Letter 2020-44 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Second Update to the COVID-19 Forbearance Start Date and the COVID-19 Home Equity Conversion Mortgage (HECM) Extension Period.

Mortgagee Letter 2020-45 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Temporary Guidance for Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security (CARES) Act. (PDF)   Mortgagee Letter 2020-45 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Temporary Guidance for Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

Mortgagee Letter 2020-46 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Temporary Guidance for COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income; 203(k) Rehabilitation Escrow Account. (PDF)   Mortgagee Letter 2020-46 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Temporary Guidance for COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income; 203(k) Rehabilitation Escrow Account.

Mortgagee Letter 2020-47 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Re-verification of Employment and Exterior only Appraisal scope of work option for Federal Housing Administration (FHA) Single Family programs impacted by the Coronavirus Disease of 2019 (COVID-19). (PDF)   Mortgagee Letter 2020-47 (December 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Re-verification of Employment and Exterior only Appraisal scope of work option for Federal Housing Administration (FHA) Single Family programs impacted by the Coronavirus Disease of 2019 (COVID-19).

Mortgagee Letter 2020-39 (November 25, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Temporary Guidance for Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security (CARES) Act. (PDF)   Mortgagee Letter 2020-39 (November 25, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Temporary Guidance for Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

Mortgagee Letter 2020-40 (November 25, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of the End Date for COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income; 203(k) Rehabilitation Escrow Account.

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  Mortgagee Letter 2020-40 (November 25, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of the End Date for COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income; 203(k) Rehabilitation Escrow Account.

Mortgagee Letter 2020-37 (October 28, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Re-verification of Employment Guidance and Updated Appraisal Scope of Work Option for Federal Housing Administration (FHA) Single Family programs impacted by the Coronavirus Disease of 2019 (COVID-19). (PDF)   Mortgagee Letter 2020-37 (October 28, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Re-verification of Employment Guidance and Updated Appraisal Scope of Work Option for Federal Housing Administration (FHA) Single Family programs impacted by the Coronavirus Disease of 2019 (COVID-19).

Mortgagee Letter 2020-34 (October 20, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Update to the Date for Approving a COVID-19 Forbearance or COVID-19 Home Equity Conversion Mortgage (HECM) Extension. (PDF)   Mortgagee Letter 2020-34 (October 20, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Update to the Date for Approving a COVID-19 Forbearance or COVID-19 Home Equity Conversion Mortgage (HECM) Extension.

News Release (October 20, 2020) FHA Extends COVID-19 Forbearance Request Timeframe for Single Family Homeowners (PDF)   News Release (October 20, 2020) FHA Extends COVID-19 Forbearance Request Timeframe for Single Family Homeowners

Mortgagee Letter 2020-34 (October 20, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Update to the Date for Approving a COVID-19 Forbearance or COVID-19 Home Equity Conversion Mortgage (HECM) Extension. (PDF)   Mortgagee Letter 2020-34 (October 20, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Update to the Date for Approving a COVID-19 Forbearance or COVID-19 Home Equity Conversion Mortgage (HECM) Extension.

Mortgagee Letter 2020-30 (September 10, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA Underwriting Guidelines for Borrowers with previous Mortgage Payment Forbearance. (PDF)   Mortgagee Letter 2020-30 (September 10, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA Underwriting Guidelines for Borrowers with previous Mortgage Payment Forbearance.

News Release (August 27, 2020) FHA Extends Foreclosure and Eviction Moratorium for Homeowners Through Year End (PDF)   News Release (August 27, 2020) FHA Extends Foreclosure and Eviction Moratorium for Homeowners Through Year End

Mortgagee Letter 2020-27 (August 27, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in Connection with the Presidentially-Declared COVID-19 National Emergency. (PDF)   Mortgagee Letter 2020-27 (August 27, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in Connection with the Presidentially-Declared COVID-19 National Emergency.

News Release (August 19, 2020) HUD Issues Guidance for Coronavirus Relief Funds (PDF)   News Release (August 19, 2020) HUD Issues Guidance for Coronavirus Relief Funds

Mortgagee Letter 2020-24 (July 29, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Revision of Effective Date for COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income;203(k) Rehabilitation Escrow Account. (PDF)   Mortgagee Letter 2020-24 (July 29, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Revision of Effective Date for COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income;203(k) Rehabilitation Escrow Account.

Mortgagee Letter 2020-23 (July 28, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income; 203(k) Rehabilitation Escrow Account. (PDF)   Mortgagee Letter 2020-23 (July 28, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: COVID-19 Multisubject: Updated Temporary Guidance for Verification of Self-Employment; Rental Income; 203(k) Rehabilitation Escrow Account.

News Release (July 8, 2020) FHA Expands Home Retention Measures for Homeowners Financially Impacted By COVID-19 (PDF)   News Release (July 8, 2020) FHA Expands Home Retention Measures for Homeowners Financially Impacted By COVID-19

Mortgagee Letter 2020-22 (July 8, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA's COVID-19 Loss Mitigation Options. (PDF)   Mortgagee Letter 2020-22 (July 8, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA's COVID-19 Loss Mitigation Options.

Mortgagee Letter 2020-20 (June 29, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Re-Extension of the Effective Date of Mortgagee Letter 2020-05, Re-verification of Employment and Exterior-Only and Desktop-Only Appraisal Scope of Work Options for FHA Single Family Programs Impacted By COVID-19. (PDF)   Mortgagee Letter 2020-20 (June 29, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Re-Extension of the Effective Date of Mortgagee Letter 2020-05, Re-verification of Employment and Exterior-Only and Desktop-Only Appraisal Scope of Work Options for FHA Single Family Programs Impacted By COVID-19.

News Release (June 17, 2020) FHA Extends Foreclosure and Eviction Moratorium for Single Family Homeowners for Additional Two Months (PDF)   News Release (June 17, 2020) FHA Extends Foreclosure and Eviction Moratorium for Single Family Homeowners for Additional Two Months

Mortgagee Letter 2020-19 (June 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency. (PDF)   Mortgagee Letter 2020-19 (June 17, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency.

Mortgagee Letter 2020-18 (June 12, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Non-profit Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA Catalyst: Claims Module - Single Family Forward Loss Mitigation Home Retention Claims. (PDF)   Mortgagee Letter 2020-18 (June 12, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Non-profit Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA Catalyst: Claims Module - Single Family Forward Loss Mitigation Home Retention Claims.

News Release (June 4, 2020) Federal Housing Administration Announces Guidance for Insuring Single Family Home Mortgages in Forbearance (PDF)   News Release (June 4, 2020) Federal Housing Administration Announces Guidance for Insuring Single Family Home Mortgages in Forbearance

Mortgagee Letter 2020-16 (June 4, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security(CARES)Act. (PDF)   Mortgagee Letter 2020-16 (June 4, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security(CARES)Act.

News Release (May 14, 2020) FHA Extends Foreclosure and Eviction Moratorium for Single Family Homeowners and Remote Work Flexibilities for Lenders and Appraisers (PDF)   News Release (May 14, 2020) FHA Extends Foreclosure and Eviction Moratorium for Single Family Homeowners and Remote Work Flexibilities for Lenders and Appraisers

Mortgagee Letter 2020-14 (May 14, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of the Effective Date of Mortgagee Letter 2020-05, Re-verification of Employment and Exterior-Only and Desktop-Only Appraisal Scope of Work Options for FHA Single Family Programs Impacted By COVID-19. (PDF)   Mortgagee Letter 2020-14 (May 14, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of the Effective Date of Mortgagee Letter 2020-05, Re-verification of Employment and Exterior-Only and Desktop-Only Appraisal Scope of Work Options for FHA Single Family Programs Impacted By COVID-19.

Mortgagee Letter 2020-13 (May 14, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency and New Reporting Requirements Related to FHA Single Family's CARES Act Loss Mitigation Options. (PDF)   Mortgagee Letter 2020-13 (May 14, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Extension of Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency and New Reporting Requirements Related to FHA Single Family's CARES Act Loss Mitigation Options.

News Release (May 12, 2020) CFPB, FHFA, & HUD Launch Joint Mortgage and Housing Assistance Website for Americans Impacted by COVID-19 (PDF)   News Release (May 12, 2020) CFPB, FHFA, & HUD Launch Joint Mortgage and Housing Assistance Website for Americans Impacted by COVID-19

Mortgagee Letter 2020-12 (April 14, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Updated Guidance for Home Equity Conversion Mortgage (HECM) Claim Type 22 (CT-22) Assignment Claims during the COVID-19 National Emergency. (PDF)   Mortgagee Letter 2020-12 (April 14, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Updated Guidance for Home Equity Conversion Mortgage (HECM) Claim Type 22 (CT-22) Assignment Claims during the COVID-19 National Emergency.

Mortgagee Letter 2020-07 (April 6, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers All Closing Agents. Subject: FHA Catalyst: Case Binder Module -Single Family Forward and Home Equity Conversion Mortgage (HECM) Electronic Endorsement Submission. (PDF)   Mortgagee Letter 2020-07 (April 6, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers All Closing Agents. Subject: FHA Catalyst: Case Binder Module -Single Family Forward and Home Equity Conversion Mortgage (HECM) Electronic Endorsement Submission.

Mortgagee Letter 2020-08 (April 6, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers All Closing Agents. Subject: FHA Catalyst: Claims Module -Single Family Forward Supplemental Claims Digital Submission. (PDF)   Mortgagee Letter 2020-08 (April 6, 2020) To: All FHA-Approved Mortgagees; All Direct Endorsement Underwriters; All Eligible Submission Sources for Condominium Project Approvals; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All HUD-Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers All Closing Agents. Subject: FHA Catalyst: Claims Module -Single Family Forward Supplemental Claims Digital Submission.

News Release (April 2, 2020) HUD Moves Quickly to Make $3 Billion of COVID-19 Relief Funding Available to Communities Across the Nation (PDF)   News Release (April 2, 2020) HUD Moves Quickly to Make $3 Billion of COVID-19 Relief Funding Available to Communities Across the Nation

News Release (April 1, 2020) HUD Issues New CARES Act Mortgage Payment Relief for FHA Single Family Homeowners (PDF)   News Release (April 1, 2020) HUD Issues New CARES Act Mortgage Payment Relief for FHA Single Family Homeowners

Mortgagee Letter 2020-06 (April 1, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA's Loss Mitigation Options for Single Family Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency in Accordance with the CARES Act. (PDF)   Mortgagee Letter 2020-06 (April 1, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: FHA's Loss Mitigation Options for Single Family Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency in Accordance with the CARES Act.

FHA COVID-19 Questions and Answers (March 27, 2020) (PDF)   FHA COVID-19 Questions and Answers (March 27, 2020)

Mortgagee Letter 2020-05 (March 27, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Re-verification of Employment and Exterior-Only and Desktop-Only Appraisal Scope of Work Options for FHA Single Family Programs Impacted By COVID-19. (PDF)   Mortgagee Letter 2020-05 (March 27, 2020) To: All FHA-approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA-Approved 203(k) Consultants; All HUD-Approved Housing Counselors; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Re-verification of Employment and Exterior-Only and Desktop-Only Appraisal Scope of Work Options for FHA Single Family Programs Impacted By COVID-19.

Temporary Waiver of Damage Inspection Reports in Presidentially-Declared Major Disaster Areas Due to COVID-19 (3/26/2020) (PDF)   Temporary Waiver of Damage Inspection Reports in Presidentially-Declared Major Disaster Areas Due to COVID-19 (3/26/2020)

News Release (March 18, 2020) HUD Provides Immediate Relief for Homeowners Amid Nationwide Coronavirus Response (PDF)   News Release (March 18, 2020) HUD Provides Immediate Relief for Homeowners Amid Nationwide Coronavirus Response

Mortgagee Letter 2020-04 (March 18, 2020) To: All FHA Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA Roster Inspectors; All FHA Approved 203(k) Consultants; All HUD Approved Housing Counselors; All HUD Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency. (PDF)   Mortgagee Letter 2020-04 (March 18, 2020) To: All FHA Approved Mortgagees; All Direct Endorsement Underwriters; All FHA Roster Appraisers; All FHA Roster Inspectors; All FHA Approved 203(k) Consultants; All HUD Approved Housing Counselors; All HUD Approved Nonprofit Organizations; All Governmental Entity Participants; All Real Estate Brokers; All Closing Agents. Subject: Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency.

As you know, state and federal executives, agencies and legislatures are reviewing data and circumstances every day and adjusting their responses to the pandemic all the time. We are monitoring for changes and developments and will post updates to this resource as we find them. Please check back regularly. We will also send alerts as certain critical developments unfold. If you are not signed up for Hudson Cook, LLP insights and would like to receive alerts, please sign up here.

Please note that the information here is not legal advice and does not create an attorney-client relationship. If you need legal assistance with a specific matter, please contact legal counsel.