When a mortgage is reinstated, how must it be reported in SFDMS?

When a Delinquent Mortgage is reinstated, the Mortgagee must report the appropriate Account Reinstated Code in Single Family Default Monitoring System (SFDMS) to indicate whether:
  • use of repayment plans or HUD’s Loss Mitigation Options assisted in the reinstatement;
  • reinstatement was due to a sale of the Property using a mortgage assumption; or
  • the Borrower was able to reinstate the Mortgage on their own. 
SFDMS Reporting Codes are available on The Single Family Housing Policy Handbook (SF Handbook; HUD Handbook 4000.1) Supplemental Documents web page at https://www.hud.gov/program_offices/housing/sfh/handbook_references

Questions related to the SFDMS may be emailed to sfdatarequests@hud.gov

HUD's Single Family Delinquency / Default Reporting web page is available at https://www.hud.gov/program_offices/housing/sfh/nsc/sfdms

For policy information see Handbook 4000.1 Section III.A.2.q.iv. at: https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-03930