COVID-19: There is only a forbearance and Standalone Partial Claim Option specific to COVID-19 impacted borrowers. What actions should mortgagees take at the end of the forbearance period if the Borrowers do not qualify for the COVID-19 Standalone Partial Claim?

If a borrower does not qualify for the COVID-19 Standalone Partial Claim at the end of the forbearance period, mortgagees must review the borrower for FHA’s loss mitigation options as outlined in the Single Family Housing Policy Handbook 4000.1, Section III.A.2.k HUD’s Loss Mitigation Options available at:

Recently the HUD Deputy Secretary Brian Montgomery issued a YouTube video message speaking directly to homeowners with FHA-insured mortgages experiencing financial hardships caused by the COVID-19 emergency.
The video message can be viewed using the following links:

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 Presidentially-declared COVID-19 national emergency.  Related information for FHA mortgagees, borrowers and other interested parties is available at and on the 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-05460