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HUD NSC Loss Mitigation
Are Mortgagees limited to 25% Principal and Interest (P&I) reduction for the Target Payment for the COVID-19 Recovery Modification?
Are Mortgagees required to have sent out the COVID-19 Advance Loan Modification (ALM) documents by August 24, 2021?
COVID-19: Can I resume making my regular mortgage payments if I’m able to do so prior to the expiration of the FHA COVID-19 Forbearance period?
COVID-19: How can I prove to my servicer that I would like to be reviewed for lower monthly mortgage payment at end of the COVID-19 Forbearance?
COVID-19: How does a Borrower contact their Mortgage Servicer if they are interested in obtaining a COVID-19 Forbearance?
COVID-19: How does a Mortgagee use a COVID-19 FHA-HAMP Combined Loan Modification and Partial Claim with Reduced Documentation?
COVID-19: If I was on a Trial Payment Plan before I started a COVID-19 Forbearance, can I receive a COVID-19 Home Retention option?
COVID-19: If I was previously on a COVID-19 Forbearance, and I lost my job again, can I restart a Forbearance?
COVID-19: If I’ve been furloughed or had reduced wages, how can I provide income documentation to prove I can make mortgage payments after a COVID-19 Forbearance?
COVID-19: If the servicer completes an escrow analysis, can an escrow shortage be capitalized into a Borrower’s COVID-19 Loss Mitigation Option?
COVID-19: Must Mortgagees offer a Trial Payment Plan (TPP) to Borrowers impacted by COVID-19?
COVID-19: Should mortgagees offer impacted borrowers the COVID-19 Forbearance if they are unemployed due to the pandemic, or the standard Special Forbearance for Unemployment?
COVID-19: What are borrower requirements for extending the COVID-19 Forbearance?
COVID-19: What are the requirements for a Mortgagee to deliver COVID-19 Partial Claims documents to HUD?
COVID-19: What are the requirements for using a COVID-19 Advance Loan Modification?
COVID-19: What are the requirements for using a COVID-19 Combined Partial Claim and Loan Modification (Non-FHA-HAMP)?
COVID-19: What are the requirements for using a COVID-19 Non-Occupant Loan Modification?
COVID-19: What are the requirements for using a COVID-19 Owner-Occupant Loan Modification?
COVID-19: What are the requirements for using a COVID-19 Pre-Foreclosure Sale or COVID-19 Deed-in-Lieu of Foreclosure?
COVID-19: What are the requirements for using a COVID-19 Standalone Partial Claim?
COVID-19: What are the requirements for using the COVID-19 Forbearance?
COVID-19: What loss mitigation options are available to FHA borrowers who are unable to make their mortgage payments due to COVID-19?
COVID-19: Will a Borrower be required to make a “lump sum” payment to their loan servicer for the total missed payments at the end of the COVID-19 Forbearance or other forbearance period?
Do Mortgagees have to review their entire portfolio for a COVID-19 Advance Loan Modification (ALM)?
For a COVID-19 Advance Loan Modification (ALM), does the minimum 25% reduction to a Borrower’s monthly Principal and Interest (P&I) include MIP?
How does the COVID-19 Advance Loan Modification (ALM) evaluation impact ongoing standard loss mitigation evaluations where the Mortgagee has not yet sent out the final documents to the Borrower to complete a Loss Mitigation Option on or before June 25, 2021?
If a Borrower is in foreclosure or bankruptcy, is the Mortgagee required to review the Borrower for a COVID-19 Advance Loan Modification (ALM)?
If the Mortgagee has already started to review a Borrower for a COVID-19 Loss Mitigation Option, do they have to re-review the Borrower for a COVID-19 Advance Loan Modification (ALM)?
Is there any specific COVID impact eligibility test for the COVID-19 Advance Loan Modification (ALM)?
Where does the COVID-19 Advance Loan Modification (ALM) fall on the COVID-19 waterfall?