HUD Handbook 4000.1 Part III.A.2 — Loss Mitigation (Forward Mortgages)

hud-4000-1-iii-a-3-loss-mit

HUD Handbook 4000.1 Part III.A.2 (Loss Mitigation Review subchapter) governs the FHA Loss Mitigation Program: Mortgagee duties to address delinquency early, follow the Collection Communication Timeline, use the 9-option Loss Mitigation Waterfall (Repayment Plan, Forbearance, Partial Claim, Loan Modification, Combination, Payment Supplement, OWL, Pre-Foreclosure Sale, Deed-in-Lieu), and re-evaluate delinquent loans. Includes 90-Day Review pre-4- installment-default evaluation rule, SCRA-protection duty for servicemember Borrowers, and consideration of Owner-Occupant + Non-Occupant Borrowers for all options. Fills HUD 4000.1 Part III Loss Mitigation gap.

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source:
  type: regulation
  id: hud-4000-1-iii-a-3-loss-mit
  authority: HUD Handbook 4000.1 Part III.A.2 — Loss Mitigation (Forward Mortgages)
  description: |
    HUD Handbook 4000.1 Part III.A.2 (Loss Mitigation Review subchapter)
    governs the FHA Loss Mitigation Program: Mortgagee duties to
    address delinquency early, follow the Collection Communication
    Timeline, use the 9-option Loss Mitigation Waterfall (Repayment
    Plan, Forbearance, Partial Claim, Loan Modification, Combination,
    Payment Supplement, OWL, Pre-Foreclosure Sale, Deed-in-Lieu), and
    re-evaluate delinquent loans. Includes 90-Day Review pre-4-
    installment-default evaluation rule, SCRA-protection duty for
    servicemember Borrowers, and consideration of Owner-Occupant +
    Non-Occupant Borrowers for all options. Fills HUD 4000.1 Part III
    Loss Mitigation gap.
obligations:
  - id: hud-4000-1-iii-a-3-loss-mit-address-delinquency-earliest-time
    canonical_id: hud-4000-1-iii-a-3-loss-mit-address-delinquency-earliest-time
    section: HUD Handbook 4000.1 III.A.2 — Address delinquency at earliest possible time
    description: |
      In implementing HUD's Loss Mitigation Program, [LENDER]
      (Mortgagee) shall consider all reasonable means to address
      delinquency at the earliest possible time. The early-engagement
      duty is the foundation of FHA loss mitigation; delay reduces
      workout-success likelihood and increases foreclosure risk.
    type: do
    audit_question: For every Delinquent FHA-insured Mortgage, can [LENDER] evidence (via servicing logs, contact-attempt records, early-stage workout-option offers) that all reasonable means were considered to address delinquency at the earliest possible time?
    program_review: Do the P&Ps facilitate early engagement so all reasonable means to address delinquency are considered at the earliest possible time?
    file_review: Review the delinquency file (contact logs, early-stage workout offers); the compliance person judges whether all reasonable means were considered at the earliest time.
    judgment: true
    feeds: []
    workflow_phase: default_collections
    owner_role: loss_mitigation_specialist
    secondary_owner_role: chief_servicing_officer
    cadence: continuous
    consequence: Late-engagement loss mitigation reduces workout-success and is a FHA Servicing Guide deficiency.
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - loss-mitigation
      - early-engagement
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2 — Loss Mitigation Program
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
      snapshot_id: 3bf33edadcf6461d
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
      paragraph_quote: |
        consider all reasonable means to address delinquency at the earliest possible time
      drafter_attestation: |
        Copied verbatim from snapshot 3bf33edadcf6461d. III.A.2 address-
        delinquency-earliest-time operative duty.
    promoted_at: '2026-05-25T20:42:37+00:00'
    promoted_from: hud-4000-1-iii-a-3-loss-mit-roundd-v1.yaml
  - id: hud-4000-1-iii-a-3-loss-mit-reevaluate-each-delinquent
    canonical_id: hud-4000-1-iii-a-3-loss-mit-reevaluate-each-delinquent
    section: HUD Handbook 4000.1 III.A.2 — Re-evaluate each Delinquent Mortgage for Loss Mitigation Options
    description: |
      [LENDER] (Mortgagee) shall re-evaluate each Delinquent Mortgage
      for Loss Mitigation Options, as required. Re-evaluation is
      ongoing, not one-shot — circumstances change and prior workout
      ineligibility may resolve; [LENDER] cannot lock a Borrower
      into a single point-in-time eligibility determination.
    type: do
    audit_question: For every Delinquent FHA-insured Mortgage, can [LENDER] evidence a re-evaluation schedule and produce subsequent-evaluation records reflecting any change in Borrower circumstances?
    program_review: Do the P&Ps ensure ongoing re-evaluation of each Delinquent Mortgage for loss-mit options as circumstances change, rather than a one-shot eligibility determination?
    file_review: Pull long-delinquency files; confirm subsequent-evaluation records reflecting changes in Borrower circumstances.
    judgment: false
    feeds: []
    workflow_phase: default_collections
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: One-shot loss-mit determinations missing re-evaluation are a FHA Servicing Guide breach + CFPB Reg X dual-tracking exposure.
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - loss-mitigation
      - re-evaluation
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2 — Loss Mitigation Program
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
      snapshot_id: 3bf33edadcf6461d
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
      paragraph_quote: |
        re-evaluate each Delinquent Mortgage for Loss Mitigation Options, as required.
      drafter_attestation: |
        Copied verbatim from snapshot 3bf33edadcf6461d. III.A.2 re-
        evaluate-each-delinquent operative requirement.
    promoted_at: '2026-05-25T20:42:37+00:00'
    promoted_from: hud-4000-1-iii-a-3-loss-mit-roundd-v1.yaml
  - id: hud-4000-1-iii-a-3-loss-mit-consider-owner-occupant-and-non-occupant
    canonical_id: hud-4000-1-iii-a-3-loss-mit-consider-owner-occupant-and-non-occupant
    section: HUD Handbook 4000.1 III.A.2.iii(A)(1)(b) — Consider Owner-Occupant AND Non-Occupant Borrowers for all Loss Mitigation Options
    description: |
      [LENDER] (Mortgagee) shall consider Owner-Occupant Borrowers AND
      Non-Occupant Borrowers for all Loss Mitigation Options.
      Investor-occupancy or non-occupancy is NOT a categorical
      disqualifier from loss mitigation — both occupancy classes get
      the full waterfall review.
    type: do
    audit_question: For every Loss Mitigation evaluation, can [LENDER] evidence that occupancy status (Owner-Occupant vs Non-Occupant) was NOT used to disqualify the Borrower from waterfall consideration?
    program_review: Do the P&Ps ensure occupancy status is NOT used to disqualify a Borrower — both Owner-Occupant and Non-Occupant Borrowers get the full loss-mit waterfall review?
    file_review: Pull Non-Occupant-Borrower loss-mit files; confirm occupancy status was not used to disqualify them from waterfall consideration.
    judgment: false
    feeds: []
    workflow_phase: default_collections
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: per-loss-mit-evaluation
    consequence: Excluding Non-Occupant Borrowers from waterfall review is a FHA Servicing Guide breach + potential fair-housing / ECOA exposure.
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - loss-mitigation
      - occupancy-neutral
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.iii(A)(1)(b) — Occupancy Standard
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
      snapshot_id: 3bf33edadcf6461d
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
      paragraph_quote: |
        The Mortgagee must consider Owner-Occupant Borrowers and Non-Occupant Borrowers for all Loss Mitigation Options.
      drafter_attestation: |
        Copied verbatim from snapshot 3bf33edadcf6461d. III.A.2.iii(A)(1)(b)
        consider-both-occupancy-classes operative requirement.
    promoted_at: '2026-05-25T20:42:38+00:00'
    promoted_from: hud-4000-1-iii-a-3-loss-mit-roundd-v1.yaml
  - id: hud-4000-1-iii-a-3-loss-mit-90-day-review-before-4-installments
    canonical_id: hud-4000-1-iii-a-3-loss-mit-90-day-review-before-4-installments
    section: 'HUD Handbook 4000.1 III.A.2.iii(B) — 90-Day Review: complete Loss Mit evaluation before 4 monthly installments + send written Notice'
    description: |
      [LENDER] (Mortgagee) is required to complete an evaluation of a
      Defaulted Mortgage for appropriate Loss Mitigation Options
      BEFORE four monthly installments are due and unpaid AND send a
      written Notice to Borrower with the determination of
      eligibility. The 90-Day Review pre-4-installment bright-line
      caps the loss-mit-evaluation-completion deadline for FHA loans
      in default.
    type: do
    audit_question: For every Defaulted FHA-insured Mortgage, can [LENDER] evidence (a) Loss Mitigation evaluation completed BEFORE the 4th monthly installment came due unpaid, AND (b) written Notice to Borrower with determination of eligibility?
    program_review: Do the P&Ps ensure the loss-mit evaluation of a Defaulted Mortgage completes BEFORE four monthly installments are due and unpaid, with a written Notice to Borrower stating the eligibility determination?
    file_review: Pull defaulted files; confirm the evaluation completed before the 4th unpaid installment and the written Notice to Borrower with the determination.
    judgment: false
    feeds: []
    workflow_phase: default_collections
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: per-defaulted-loan
    consequence: Missing the pre-4-installment evaluation or written notice is a 90-Day Review breach; FHA Servicing Guide defect + potential dual-tracking risk under Reg X.
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - loss-mitigation
      - 90-day-review
      - written-notice
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.iii(B) — 90-Day Review
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
      snapshot_id: 3bf33edadcf6461d
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
      paragraph_quote: |
        A Mortgagee is required to complete an evaluation of a Defaulted Mortgage for appropriate Loss Mitigation Options before four monthly installments are due and unpaid and send a written Notice to Borrower with the determination of eligibility.
      drafter_attestation: |
        Copied verbatim from snapshot 3bf33edadcf6461d. III.A.2.iii(B)
        90-day-review operative deadline + written-notice requirement.
    auditor_minimum_evidence:
      derivation: snapshot_extract
      derivation_source:
        snapshot_id: 3bf33edadcf6461d
        paragraph_quote: A Mortgagee is required to complete an evaluation of a Defaulted Mortgage for appropriate Loss Mitigation Options before four monthly installments are due and unpaid and send a written Notice to Borrower with the determination of eligibility.
        page_or_section: HUD Handbook 4000.1 III.A.2.iii(B)
        fetched_at: '2026-05-25T14:10:11Z'
      pathway_selection_kind: mutually_exclusive_by_facts
      pathways:
        - pathway_id: csh-amep-hud-iii-a-3-90day-eligible
          name: 'Borrower eligible: pre-4-installment evaluation completed + Loss Mit Option offered in written Notice'
          evidence_items:
            - evidence_id: csh-ev-hud-iii-a-3-90day-default-date-timestamp
              kind: timestamp
              description: System-of-record Default-date timestamp for the FHA-insured Mortgage (30-day uncorrected-failure per III.A.2.a.i).
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-90day-eval-completed-pre-4th-installment
              kind: record
              description: Internal Loss Mit evaluation record dated BEFORE the 4th monthly installment came due unpaid, documenting [LENDER]'s review of the Borrower against the FHA 9-option waterfall (Repayment Plan / Forbearance / Partial Claim / Loan Mod / Combination / Payment Supplement / OWL / Pre-Foreclosure Sale / DIL).
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-90day-eligibility-notice-with-offer
              kind: document
              description: Copy of written Notice to Borrower with eligibility determination AND specific Loss Mit Option(s) offered, mailed/delivered pre-4-installment-default.
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
        - pathway_id: csh-amep-hud-iii-a-3-90day-ineligible
          name: 'Borrower ineligible: pre-4-installment evaluation completed + ineligibility-determination written Notice'
          evidence_items:
            - evidence_id: csh-ev-hud-iii-a-3-90day-default-date-timestamp-ineligible
              kind: timestamp
              description: System-of-record Default-date timestamp for the FHA-insured Mortgage.
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-90day-eval-ineligible-rationale
              kind: record
              description: Internal Loss Mit evaluation record documenting ineligibility per III.A.2.iii(A) (e.g., other FHA-insured property held / prior FHA claim in last 3 years / debarment-suspension-LDP / unresolved delinquent Federal Debt for Partial Claim or modification options).
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-90day-ineligibility-notice
              kind: document
              description: Copy of written Notice to Borrower stating ineligibility determination with specific basis cited, mailed/delivered pre-4-installment-default.
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
      pathway_selection_logic: |
        Two pathways selected by facts: pathway A (eligible) when the Borrower passes the III.A.2.iii(A) eligibility criteria; pathway B (ineligible) when the Borrower fails one or more eligibility criteria. Both pathways share the bright-line pre-4-installment evaluation deadline and written-notice content requirement; pathway B's notice differs only by ineligibility-rationale content vs eligible's option-offer content.
    promoted_at: '2026-05-25T20:42:38+00:00'
    promoted_from: hud-4000-1-iii-a-3-loss-mit-roundd-v1.yaml
  - id: hud-4000-1-iii-a-3-loss-mit-servicemember-scra-protections
    canonical_id: hud-4000-1-iii-a-3-loss-mit-servicemember-scra-protections
    section: HUD Handbook 4000.1 III.A.2.ii — Offer SCRA mortgage protections to eligible servicemember Borrowers
    description: |
      [LENDER] (Mortgagee) shall offer eligible servicemember Borrowers
      mortgage protections under the SCRA and Servicing FHA-Insured
      Mortgages for Servicemember-Borrowers. The SCRA + FHA-
      servicemember dual-rule layering provides comprehensive
      protection during military service.
    type: do
    audit_question: For every Defaulted FHA-insured Mortgage where the Borrower is or may be a servicemember, can [LENDER] evidence (a) SCRA-eligibility verification (DMDC check, military orders) and (b) offer of the applicable SCRA mortgage protections?
    program_review: Does the program account for the servicemember condition — verifying SCRA eligibility (DMDC/military orders) and offering the applicable SCRA mortgage protections layered with FHA servicemember-servicing rules?
    file_review: Spot-check defaulted files where the Borrower is or may be a servicemember; confirm SCRA-eligibility verification and the offer of applicable SCRA protections.
    judgment: false
    feeds: []
    workflow_phase: default_collections
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: per-servicemember-borrower
    consequence: Missing SCRA protections expose [LENDER] to federal SCRA enforcement + FHA Servicing Guide breach + DOJ exposure (SCRA private right of action).
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - scra
      - servicemember-protection
      - loss-mitigation
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.ii — Servicemember Status
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
      snapshot_id: 3bf33edadcf6461d
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
      paragraph_quote: |
        The Mortgagee must offer eligible servicemember Borrowers mortgage protections under the SCRA and Servicing FHA-Insured Mortgages for Servicemember-Borrowers.
      drafter_attestation: |
        Copied verbatim from snapshot 3bf33edadcf6461d. III.A.2.ii SCRA-
        servicemember-protections operative requirement.
    auditor_minimum_evidence:
      derivation: snapshot_extract
      derivation_source:
        snapshot_id: 3bf33edadcf6461d
        paragraph_quote: The Mortgagee must offer eligible servicemember Borrowers mortgage protections under the SCRA and Servicing FHA-Insured Mortgages for Servicemember-Borrowers.
        page_or_section: HUD Handbook 4000.1 III.A.2.ii
        fetched_at: '2026-05-25T14:10:11Z'
      pathway_selection_kind: parallel_satisfaction
      pathways:
        - pathway_id: csh-amep-hud-iii-a-3-scra-federal-protections
          name: 'Federal SCRA protections layer: 50 USC §3937 6% interest rate cap, §3953 foreclosure stay, §3955 default judgment protections'
          evidence_items:
            - evidence_id: csh-ev-hud-iii-a-3-scra-eligibility-check
              kind: record
              description: DMDC (Defense Manpower Data Center) Servicemember Civil Relief Act verification result OR Borrower-supplied military orders confirming active-duty status during the relevant period.
              retention_rule_ref: scra-50usc-3937
              examiner_question_ref: Servicemembers Civil Relief Act (50 U.S.C. §3901 et seq.) — DOJ enforcement (no exam manual)
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-scra-6pct-interest-application
              kind: record
              description: Account-level evidence that the 6% pre-service interest rate cap was applied during eligible active-duty period (per 50 USC §3937), with effective-date triggers documented.
              retention_rule_ref: scra-50usc-3937
              examiner_question_ref: Servicemembers Civil Relief Act (50 U.S.C. §3901 et seq.) — DOJ enforcement (no exam manual)
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-scra-foreclosure-stay-record
              kind: record
              description: 'If foreclosure was initiated, evidence of 50 USC §3953 foreclosure-stay compliance: stay imposed during active-duty period plus 12-month post-service window (or applicable extension).'
              retention_rule_ref: scra-50usc-3953
              examiner_question_ref: Servicemembers Civil Relief Act (50 U.S.C. §3901 et seq.) — DOJ enforcement (no exam manual)
              cite_verified: true
        - pathway_id: csh-amep-hud-iii-a-3-fha-servicemember-overlay
          name: 'FHA-specific servicemember overlay: Servicing FHA-Insured Mortgages for Servicemember-Borrowers (HUD 4000.1 III.A.2.ii)'
          evidence_items:
            - evidence_id: csh-ev-hud-iii-a-3-fha-servicemember-policy
              kind: document
              description: '[LENDER]''s written policy explicitly applying the FHA-Servicemember overlay rules (special hardship review, military-PCS-relocation protections, additional loss-mit consideration weight).'
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
            - evidence_id: csh-ev-hud-iii-a-3-fha-servicemember-loss-mit-offer
              kind: record
              description: For each eligible servicemember default, the loss-mit-evaluation record showing the FHA-Servicemember-overlay was considered (in addition to standard III.A.3 evaluation), with offer specifically referencing servicemember status if applicable.
              retention_rule_ref: hud-4000-1-iii-a-1
              examiner_question_ref: HUD Office of Inspector General / Mortgagee Review Board — FHA Title II oversight
              cite_verified: true
      pathway_selection_logic: |
        Pathway A (Federal SCRA) AND Pathway B (FHA-Servicemember overlay) BOTH apply simultaneously for any eligible servicemember Borrower on an FHA-insured Mortgage. SCRA protections are federally mandated regardless of investor; FHA overlay is required by HUD 4000.1 III.A.2.ii in addition to (not instead of) the SCRA. Satisfying only one pathway leaves the other obligation unsatisfied — this is parallel-satisfaction, not lender-selectable.
    promoted_at: '2026-05-25T20:42:38+00:00'
    promoted_from: hud-4000-1-iii-a-3-loss-mit-roundd-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-25T20:42:38+00:00'
    candidate_path: obligations\_remediation\round-d-investor-guides\hud-4000-1-iii-a-3-loss-mit-roundd-v1.yaml
    candidates_promoted: 5
    candidates_skipped_existing: 0

Verbatim regulatory text (5)

Verbatim provisions from HUD Handbook 4000.1 Part III.A.2 — Loss Mitigation (Forward Mortgages) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

HUD Handbook 4000.1 III.A.2 — Address delinquency at earliest possible time

consider all reasonable means to address delinquency at the earliest possible time

Source: HUD Handbook 4000.1 III.A.2 — Loss Mitigation Program · source URL · snapshot 3bf33edadcf6461d

HUD Handbook 4000.1 III.A.2 — Re-evaluate each Delinquent Mortgage for Loss Mitigation Options

re-evaluate each Delinquent Mortgage for Loss Mitigation Options, as required.

Source: HUD Handbook 4000.1 III.A.2 — Loss Mitigation Program · source URL · snapshot 3bf33edadcf6461d

HUD Handbook 4000.1 III.A.2.iii(A)(1)(b) — Consider Owner-Occupant AND Non-Occupant Borrowers for all Loss Mitigation Options

The Mortgagee must consider Owner-Occupant Borrowers and Non-Occupant Borrowers for all Loss Mitigation Options.

Source: HUD Handbook 4000.1 III.A.2.iii(A)(1)(b) — Occupancy Standard · source URL · snapshot 3bf33edadcf6461d

HUD Handbook 4000.1 III.A.2.iii(B) — 90-Day Review: complete Loss Mit evaluation before 4 monthly installments + send written Notice

A Mortgagee is required to complete an evaluation of a Defaulted Mortgage for appropriate Loss Mitigation Options before four monthly installments are due and unpaid and send a written Notice to Borrower with the determination of eligibility.

Source: HUD Handbook 4000.1 III.A.2.iii(B) — 90-Day Review · source URL · snapshot 3bf33edadcf6461d

HUD Handbook 4000.1 III.A.2.ii — Offer SCRA mortgage protections to eligible servicemember Borrowers

The Mortgagee must offer eligible servicemember Borrowers mortgage protections under the SCRA and Servicing FHA-Insured Mortgages for Servicemember-Borrowers.

Source: HUD Handbook 4000.1 III.A.2.ii — Servicemember Status · source URL · snapshot 3bf33edadcf6461d