HUD provides automatic 90-Day extensions to the deadline to complete a Loss Mitigation Option or to perform the first legal action initiating foreclosure, provided the Mortgagee has:
- evaluated and approved the Borrower for a Loss Mitigation Home Retention Option prior to the expiration of the initial six-month period to initiate foreclosure, or issued an Approval to Participate (ATP) in the Pre-Foreclosure Sale (PFS) Program resulting in early termination or option failure;
- reported the Loss Mitigation Option via the Single Family Default Monitoring System (SFDMS); and
- initiated foreclosure action after reviewing the Borrower for other Loss Mitigation Options from the date the Borrower defaulted under a Loss Mitigation Option or a Trial Payment Plan (TPP) Agreement failed.
HUD does not provide automatic extensions for:
- attempting a repayment plan, Formal Forbearance Plan, Informal Forbearance Plan, Delinquent refinance, or assumption; or
- completion of a Deed-in-Lieu (DIL); the Mortgagee must submit a request for extension of time for completion of a DIL to the HUD National Servicing Center (NSC) for HUD approval via EVARS.
If the Mortgagee needs additional time to meet the first legal deadline date; the Mortgagee must submit a request for extension of time to the NSC for HUD approval via EVARS.
HUD’s guidance on automatic extension to foreclosure-related deadlines is located in:
- Handbook 4000.1 III.A.2.t.i(D)(2) and III.A.2.o.v at: https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh, and
- Mortgagee Letter 2022-02 at: https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee
Technical support on Extensions and Variances Automated Requests System (EVARS) and E-Class at helpdesk@hudnsc.org. Toll-Free Number: 1-888-647-5893. For Speech and Hearing Impaired (TeleTypewriter): 1-801-741-1437
Any questions may be directed to the FHA Resource Center Toll-Free Telephone Number at (800) CALL FHA (225-5342) or by email to answers@hud.gov. Persons with hearing or speech impairments may reach this number by calling the Federal Relay Service at (800) 877-8339.