COVID-19: Are mortgagees required to follow the requirements and timeline for communication with borrowers from the Single Family Housing Policy Handbook 4000.1, Section III.A.2.h.iii Collection Communication Timeline for the COVID-19 Loss Mitigation Options during the COVID-19 pandemic?

Yes. All Early Delinquency timeline and disclosure requirements remain applicable for borrowers impacted by the COVID-19 pandemic. However, Mortgagee Letter 2020-06 provides mortgagees the added flexibility to utilize any available methods for communicating with a borrower regarding the COVID-19 Forbearance.  Servicers should continue their normal servicing activities and we encourage you to maintain contact with the borrowers.

For additional information see Mortgagee Letter 2020-06 available at:

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.
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-05466