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

The Mortgagee must notify each Borrower, co-signer, and any other party requiring notice by state law that the Mortgage is in Default.

Early Default intervention guidance is located in Handbook 4000.1 III.A.2.h. at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

Any questions may be directed to the FHA Resource Center Toll-Free Telephone Number at (800) CALLFHA (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. 

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-04268