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HUD NSC Servicing
Bankruptcy
Does HUD provide an automatic extension for foreclosure when a Borrower files bankruptcy?
What are the requirements for loss mitigation during bankruptcy proceedings?
Disaster
What relief is available to residents located in a Presidentially-Declared Major Disaster Area?
Escrow/Taxes/Insurance/HOA
Are FHA Mortgagees required to perform analysis of Escrow Accounts on FHA mortgages?
Does FHA require a borrower to obtain hazard insurance?
How do I figure how much money the lender is allowed to require in my escrow account?
How must Mortgagees process payments from Escrow Accounts?
May an FHA borrower include optional insurance policy premiums in their Escrow Account?
Must Mortgagees notify the Homeowners' Association (HOA) or condo management company before conveying a property to HUD?
What are the fees that must never be paid from an FHA borrower's Escrow Account?
What are the FHA Mortgagee requirements for maintaining Escrow Accounts?
What are the FHA requirements for payment of premiums on a borrower's optional insurance policies?
What are the FHA requirements for payment of renewal premiums on long-term insurance policies?
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Foreclosure/Conveyance
Are Mortgagees required to pay property taxes before or at conveyance of a property to HUD?
Are there any extensions of the conveyance timeframes given to Mortgagees to engage in CWCOT Post-Foreclosure sales efforts?
Can Mortgagees utilize an independent third party to conduct foreclosure and post-foreclosure sales?
Does HUD allow an extension of the Reasonable Diligence Time Frame to take possession of a foreclosed property?
For what reasons may HUD reconvey a property back to a Mortgagee?
How do junior liens impact a Mortgagees ability to convey good and marketable title to HUD?
How does a Mortgagee request an extension of time to convey a property to HUD?
How long does the Mortgagee remain responsible for a property being conveyed to HUD?
If a Mortgagee is unable to ensure it met the requirements in 12 CFR 1024 Section 41(f)(3)(ii)(C) Unresponsive Borrower, can the Mortgagee still utilize the extension for Prohibition of Foreclosure Due to Federal Regulations in Single Family Handbook 4000.1 Section III.A.2.t.i.(D)(1)(c) as an exception to FHA’s Foreclosure Initiation Time Frame?
Is an automatic extension allowed where a federal regulation requires a delay to initiate foreclosure?
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Loss Mitigation
How does a Mortgagee request an extension for delivery of Partial Claim documents?
May a borrower execute FHA-HAMP Loan Modification documents while the mortgage is in foreclosure?
What are the requirements for Loss Mitigation Telephone Contact collection efforts?
When should servicers begin evaluating delinquent borrowers for loss mitigation options?
Preservation & Protection/Repairs/Inspections
Are Mortgagees exempt from state and local Preservation & Protection laws for properties with FHA-insured mortgages?
How is the Commissioner's Adjusted Fair Market Value (CAFMV) established for Foreclosure Sales and Post-Foreclosure Sales Efforts?
Must a Mortgagee request prior approval to demolish a property and convey a vacant lot to HUD?
What are HUD’s photography requirements for Property Preservation and Protection?
What are the Mortgagee’s requirements for conveyance of damaged properties?
What are the Mortgagee’s requirements for Property Winterization?
What are the requirements for Vacant Property Inspections?
What is the maximum property preservation allowance and when must a Mortgagee request over-allowable approval?
What is the P260 internet portal?
What Property Preservation and Protection actions must Mortgagees take on properties that will be conveyed to HUD?
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Servicing
Are face-to-face interviews required for Borrowers with a delinquent FHA mortgage?
Are FHA-insured mortgages assumable?
Are Mortgagees required to collect rents from tenants who occupy properties undergoing foreclosure?
Are servicing Mortgagees required to maintain a Trust Clearing Account to hold mortgage payments?
Are there late fees associated with monthly mortgage insurance payments?
Are there restrictions on when a borrower can prepay or payoff their FHA mortgage?
Are there specialized collection techniques for Early Payment Defaults and Re-Defaults?
By which day of delinquency must the Default Reason Code be entered in FHA’s Single Family Default Monitoring System (SFDMS)?
Can a Servicemember request their FHA-insured mortgage be transferred to Section 222?
Can changes be made to security instruments after endorsement?
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Treasury Homeowner Assistance Fund (HAF) Program
Are funds provided by the State Homeowner Assistance Fund (HAF) to bring a Home Equity Conversion Mortgage (HECM) Borrower’s delinquent property charges current considered a Mortgagee Funded Cure for purposes of assignment to the Secretary?
Are Mortgagees required to accept the Homeowner Assistance Fund (HAF) for Borrowers being evaluated for FHA loss mitigation?
Can Borrowers who are delinquent use the U.S. Department of Treasury’s Homeowner Assistance Fund (HAF) in conjunction with FHA’s loss mitigation?
Can FHA Borrowers who are delinquent use the Homeowner Assistance Fund (HAF) to bring their mortgage current without completing a loss mitigation option?
Can Homeowner Assistance Funds (HAF) be used to help pay off an existing partial claim if the Borrower’s mortgage has been brought current? And how should the Mortgagee process these funds?
Can the Homeowner Assistance Fund (HAF) be used to pay off Property tax and insurance (T&I) defaults on Home Equity Conversion Mortgages (HECM)?
Can the Mortgagee suspend the foreclosure action if the state Homeowner Assistance Fund (HAF) program requires it?
Do Home Equity Conversion Mortgage (HECM) regulations prohibit Borrowers from seeking assistance in repaying delinquent property charges from local programs?
How can the Homeowner Assistance Fund (HAF) be applied for Borrowers who are current on their mortgage and have already completed a loss mitigation action?
If a Home Equity Conversion Mortgage (HECM) Borrower had delinquent property charges brought current by funds from the State Homeowner Assistance Fund (HAF) can the HECM be assigned to the Secretary?
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