FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025)

FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025)

d. Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) i. Face-to-Face Interviews The Mortgagee must have a face-to-face interview with the Borrower or make a reasonable effort to arrange a face-to-face interview no later than the 61st Day of delinquency. (A) Face-to-Face Meetings Not Required The Mortgagee is not required to conduct a face-to-face interview if: • the Borrower has clearly indicated that they will not cooperate with a face-to- face interview; or • the Borrower’s payment is current due to an agreed-upon Repayment Plan or Forbearance Plan; and • a reasonable effort to arrange a meeting with the Borrower is unsuccessful. (B) Arranging a Face-to-Face Interview (1) Standard To arrange the face-to-face interview, the Mortgagee must: • make at least one telephone call to the Borrower; • send one letter certified by the U.S. Postal Service as having been dispatched; and • make one trip to visit the Borrower at the mortgaged Property. The Mortgagee must provide the following in each attempt to arrange the face-to- face interview: • the availability of face-to-face interviews; and • how to schedule the interview. (2) Required Documentation The Mortgagee must document in its Servicing File all attempts in contacting the Borrower to arrange a face-to-face interview, information about the interview, and any decisions or follow-up needed as a result of the interview. ii. Information Provided to the Borrower (A) Standard The Mortgagee must inform the Borrower of the following: • that information regarding the status and payment history of the Borrower’s Mortgage may be made available to credit bureaus and prospective creditors; • other available mortgage assistance, if any; and III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 3. Programs and Products - Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) Handbook 4000.1 1352 Last Revised: 11/26/2025 • contact information for the FHA Resource Center (1-800-CALLFHA (1-800- 225-5342) and answers@hud.gov) and that the FHA Resource Center is prepared to accept calls from persons who are deaf or hard of hearing, as well as individuals with speech or communication disabilities. (B) Required Documentation The Mortgagee must note in its Servicing File when and how the Borrower was informed of the information above. III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages

Source: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) · source URL · snapshot 8c03836f77f317e1