HUD NSC Servicing Subcategories · U.S. Dept of Housing and Urban Development

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?

Can I request early cancellation of my Mortgage Insurance Premium (MIP) if I have been in default?

Can the monthly MIP amount decrease if a borrower makes pre-payments on their FHA-insured loan?

Does FHA permit Mortgagees to register FHA mortgages with the Mortgage Electronic Registration System (MERS)?

Has HUD updated the Notice to Occupants of Pending Acquisition (NOPA) and related forms?

Have the servicing and loss mitigation updates announced in Handbook 4000.1 published on April 19, 2021 been extended?

How are mortgage payments applied if a Mortgagee uses a special custodial account?

How can a Mortgagee request a correction to a default status code or an incorrectly reported delinquent mortgage in Neighborhood Watch?

How can I find out if Fannie Mae or Freddie Mac is the mortgage investor on my loan?

How does a Mortgagee determine the new monthly payment after an interest rate adjustment for an ARM?

How does a Mortgagee submit Single Family Insurance Claims Remittances?

How is a partial prepayment to be applied to an FHA performing mortgage?

How is the effective date of mortgage insurance termination determined and what are the Mortgagee’s documentation requirements?

How is the reasonable diligence timeframe for foreclosure calculated for borrowers protected under the Servicemembers Civil Relief Act (SCRA)?

How often must a Mortgagee identify delinquent mortgages and their payment status?

How soon must a lender respond to a HUD request for information regarding a servicing file?

Is a 90-day extension to initiate foreclosure allowed to comply with CFPB requirements under the Real Estate Settlement Procedures Act (RESPA)?

Is a face-to-face interview required for a delinquent Mortgage on Indian Land (Section 248 Mortgage)?

Is HUD approval required when a dwelling is being temporarily moved from the site?

Is HUD approval required when the dwelling or improvements are to be moved to another location?

Is my FHA mortgage loan assumable?

Is the Holder or the Servicer responsible for servicing actions while servicing FHA mortgages?

Is the Selling or Purchasing Mortgagee responsible for MIP premiums when the mortgage is sold?

Is there a current Payoff Procedure Disclosure for FHA loans?

May a Mortgagee postpone principal payments for Servicemembers?

May Mortgagees charge a fee for processing and recording a modification for a performing mortgage?

May Mortgagees charge borrowers the cost of the trustee fee and/or the recording fee for satisfaction of an FHA mortgage?

May Mortgagees consent to emergency relocation of the dwelling or improvements without HUD approval?

May Mortgagees use an electronic storage system for retention of servicing-related documents?

Must a Mortgagee accept a partial payment on an FHA performing mortgage?

Must a Mortgagee be FHA-approved to hold or service FHA-insured mortgages?

Must Mortgagees curtail interest if HUD's foreclosure or reporting requirements are not met?

Must Mortgagees maintain foreclosure documents in electronic format?

Must Mortgagees report delinquency workouts in the FHA Catalyst: Single Family Default Monitoring System (SFDMS) Module?

Must Mortgagees retain evidence of reconciliation of their Mortgage records with HUD records?

Must Mortgagees submit to HUD a copy of the Notice to Occupants of Pending Acquisition (NOPA) sent to an FHA borrower?

Must Mortgagees terminate foreclosure proceedings when a borrower requests loss mitigation assistance?

Must my Servicing Lender accept a partial payment or prepayment if the mortgage is current?

Must the Mortgagee report the Pre-Foreclosure Sale (PFS) in the FHA Catalyst: Single Family Default Monitoring System (SFDMS) Module?

On a Claim Type 01- Conveyance are all Property Preservation and Protection Costs reimbursable?

Under what circumstances may HUD require a Mortgagee to pursue a deficiency judgment?

Under what conditions may Mortgagees modify an FHA performing mortgage without HUD approval?

What amounts are contained in HUD’s Schedule of Attorney Fees?

What are the allowable fees and charges for servicing an FHA mortgage?

What are the general requirements for Annual/Periodic MIP Remittance?

What are the Mortgagee’s requirements when servicing a delinquent Hawaiian Home Lands Mortgage?

What are the Occupancy Inspection and follow up requirements for delinquent FHA-insured mortgages?

What are the owner-occupancy requirements under the Good Neighbor Next Door program?

What are the requirements for accepting partial payments for an FHA-insured mortgage in default?

What are the requirements for monitoring repairs to a Substantially Damaged property which has an FHA-insured mortgage?

What are the requirements for providing the ARM Adjustment Notice to a borrower?

What are the requirements for reporting defaults to consumer reporting agencies for assumed mortgages?

What are the requirements if a borrower fails to perform obligations contained in the Security Instruments?

What do I do if my previously FHA-insured loan was acquired by HUD, sold to a third party in the 1990s, and the current servicer is threatening to foreclose on me based on debt allegedly incurred during HUD’s ownership of my loan?

What documents must be retained in the FHA servicing file for a performing mortgage modification?

What does error message "Mortgagee type for servicer does not allow transfers or terminations" mean?

What foreclosure prevention options are available on non-FHA insured mortgages?

What information must be included in an Occupancy Inspection Report for a delinquent mortgage?

What is a Mortgage Sale and how is it reported to HUD?

What is a Voluntary Termination of Mortgage Insurance?

What is an Authorized Third Party and how must it be documented in the servicing binder?

What is an FHA-approved Mortgagee's responsibility for reporting to consumer reporting agencies and the IRS?

What is considered a partial prepayment vs. a payoff or prepayment in full?

What is considered a Post-Endorsement Mortgage Amendment?

What is considered an occupancy inspection and an occupancy follow up for a delinquent FHA mortgage?

What is FHA's definition of Imminent Default and must it be documented?

What is FHA's Tier Ranking System II (TRSII) for loan servicers?

What is Termination of Mortgage Insurance?

What is the Annual Prepayment Disclosure Statement?

What is the claim process for a defaulted FHA Short Refinance (Negative Equity)?

What is the difference between a Mortgage Holder and a Mortgage Servicer?

What is the FHA record retention period for servicing files?

What is the Reasonable Diligence Time Frame for completing foreclosure?

What is the responsibility of the Servicing Mortgagee during transfers of servicing rights?

What is the Single Family Loan Sale (SFLS) Program?

What is the timeframe in which a Mortgagee must notify HUD of an assumption?

What Mortgagee payments for Property Preservation and Protection Costs are considered reasonable?

What protections are provided under the Servicemembers Civil Relief Act (SCRA)?

What schedule of Allowable Attorney Fees apply to the Home Equity Conversion Mortgage (HECM) program?

What title evidence is required for a manufactured home before conveying it to HUD?

What was the Home Affordable Refinance Program (HARP)?

When a mortgage is in default, must the Mortgagee notify each party to the mortgage?

When is a delay in completing the foreclosure process treated as an exception?

When is a mortgage payment late and is a late charge assessed?

When is an FHA-insured mortgage considered delinquent or in default?

When may a Mortgagee assign a delinquent Hawaiian Home Land mortgage to HUD?

When may the Mortgagee request Acceleration of Mortgage related to an Assumption?

When must the Commissioner’s Adjusted Fair Market Value (CAFMV) be used by the Mortgagee?

When servicing FHA loans, must a Mortgagee comply with FHA requirements and with applicable laws?

Where can a Mortgagee find SFDMS Delinquency/Default Status Codes?

Where can a Mortgagee request an extension of time on an FHA-insured property in foreclosure?

Where can I find Collection and Communication timelines for contacting delinquent FHA borrowers?

Where can I find the brochure for delinquent borrowers with FHA-insured mortgage loans?

Where can I find the HAMP Mortgage Servicer Handbook?

Where can I obtain guidelines on the servicing of FHA mortgages?

Where can I request a servicing variance on an FHA-insured property?

Where should Mortgagees report a property purchased by a third party at foreclosure through CWCOT?

Who do I contact about billing and reconciliation issues for monthly Mortgage Insurance Premium (MIP) payments?

Who do I contact about the servicing of FHA insured Single Family Loans?

Who is responsible for MIP payments on a Section 222 Mortgage?

Why did HUD reject the variance or extension related to the servicing of my FHA mortgage?

Will HUD pay a claim on an FHA-insured mortgage that has a superior lien in first position?