HUD Mortgagee Letter 2025-06
HUD Mortgagee Letter 2025-06. See obligation entries for operative requirements and verbatim primary-source citations.
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Verbatim regulatory text
Verbatim provisions from HUD Mortgagee Letter 2025-06 — 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 ML 2025-06 — Laws and Requirements Applicable to Mortgage Servicing (III.A.1.a.ii(A))
Mortgagees must comply with all laws, rules, and requirements applicable to mortgage servicing, including full compliance with the applicable requirements under the purview of the Consumer Financial Protection Bureau (CFPB), including the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA), and, if applicable, Ginnie Mae’s mortgage-backed securities requirements.
HUD ML 2025-06 — Eligibility to Participate in HUD Programs (III.A.2.h.iii(A))
The Mortgagee must verify that the Borrowers are eligible to participate in HUD’s Loss Mitigation Program.
HUD Mortgagee Letter 2025-06 — Background (whole section)
Starting in April 2020, and throughout the course of the COVID-19 pandemic, HUD established and expanded new streamlined loss mitigation options to provide Mortgagees tools to quickly address the financial impacts on Borrowers and mitigate the impact to the Mutual Mortgage Insurance Fund (MMIF) by reducing delinquencies and preventing foreclosures. The COVID-19 loss mitigation options allowed more than 2.3 million families the opportunity to avoid foreclosure and sustain homeownership. These actions resulted in cumulative savings to the MMIF of over $420 billion. Building on the success of, and the lessons learned from, the COVID-19 Recovery Options, HUD has developed a new permanent set of loss mitigation tools that are intended to maintain streamlined processes that minimize burdens on Mortgagees, provide sustainable loss mitigation solutions to Borrowers to address delinquency and prevent foreclosure, and mitigate risks to the MMIF. Additionally, to allow Mortgagees to maintain current operations while working toward implementing the policies in this ML, HUD is further extending the availability of the COVID-19 Recovery Options.
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Source of record: https://claudeforcompliance.com/regs/hud-ml-2025-06/
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