COVID-19: Will HUD accept notification from the Social Security Administration Death Master File, including during the COVID-19 pandemic, as evidence of the death of a HECM borrower for purposes of Claim Type 22 review?

Yes.  If a servicer is unable to obtain a copy of a deceased borrower's or co-borrower’s death certificate, HUD will accept alternative evidence of the death for purposes of Claim Type 22 review, including notification from the Social Security Administration Death Master File. Servicers should document their servicing files with their attempts to obtain a death certificate or other evidence of the borrower’s death. See Mortgagee Letter 2018-08 available at:

https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee 

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 https://www.hud.gov/program_offices/housing/sfh and on the https://www.hud.gov/answers website.

HQ Policy Determination - COVID-19 guidance

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-05449