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

For a Section 248 Mortgage on Indian Land, the Mortgagee must have a face-to-face interview with the Borrower or make a reasonable effort to arrange a face-to-face interview no later than the 61st Day of delinquency, unless:

  • the Borrower does not live in the mortgaged Property; 
  • the Borrower has clearly indicated that they will not cooperate with a face-to-face interview; or
  • the Borrower’s payment is current due to an agreed-upon repayment plan or forbearance Plan.

In addition to the reasonable effort standards for all FHA-insured Mortgages, the Mortgagee must make at least one telephone call to the Borrower to arrange a face-to-face interview.
The Mortgagee must inform the Borrower of the following:

  •  that HUD will make information regarding the status and payment history of the Borrower’s Mortgage available to local credit bureaus and prospective creditors;
  •  other available mortgage assistance, if any; and
  •  the names and contact information of HUD officials to whom further communications may be addressed.

Additional questions may be directed to the HUD National Servicing Center at (877) 622-8525.

For policy information see Handbook 4000.1 III.A.3.e. at


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-04662