COVID-19: Are face-to-face interviews still required under FHA’s Default Servicing early default intervention requirements during the COVID-19 pandemic?

The Federal Housing Administration (FHA) published a regulatory waiver and an accompanying Single Family Housing Policy Handbook 4000.1 (SF Handbook) waiver to allow mortgagees to utilize alternative methods for contacting borrowers, in lieu of face-to-face interviews, to assess the borrower’s circumstances, and to determine appropriate repayment plans as part of the early default intervention requirements of FHA default servicing.  This temporary waiver is effective through December 31, 2021. 

For more information, please see:

FHA continues to revise its FHA Single Family COVID-19 information as needed to keep stakeholders updated with the latest information about FHA’s response to the  COVID-19 pandemic .  Related information for FHA Mortgagees, Borrowers and other interested parties is available at: and on the website.

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-05445