HUD Mortgagee Letter 2025-06

hud-ml-2025-06

HUD Mortgagee Letter 2025-06. See obligation entries for operative requirements and verbatim primary-source citations.

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source:
  type: regulation
  id: hud-ml-2025-06
  authority: HUD Mortgagee Letter 2025-06
  description: |
    HUD Mortgagee Letter 2025-06. See obligation entries for operative
    requirements and verbatim primary-source citations.
obligations:
  - id: hud-ml-2025-06-servicing-laws-compliance
    canonical_id: hud-ml-2025-06-servicing-laws-compliance
    section: HUD ML 2025-06 — Laws and Requirements Applicable to Mortgage Servicing (III.A.1.a.ii(A))
    description: |
      [LENDER], as an FHA-approved Mortgagee servicing FHA-insured Mortgages,
      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 RESPA and TILA), and, if applicable, Ginnie Mae's
      mortgage-backed securities requirements.
    type: do
    audit_question: Can [LENDER] evidence that its FHA mortgage-servicing program operates in full compliance with CFPB-administered requirements (RESPA, TILA) and, where applicable, Ginnie Mae's mortgage-backed securities requirements?
    program_review: Do the servicing P&Ps ensure full compliance with CFPB-administered RESPA/TILA and, where applicable, Ginnie Mae MBS servicing requirements?
    file_review: Review servicing P&Ps, training, and QA samples; confirm coverage of RESPA/TILA and Ginnie Mae MBS requirements where applicable.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - cross-regulator-compliance
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2025-06 — III.A.1.a.ii(A)
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-06hsgml.pdf
      snapshot_id: a171c17f1f18edcd
      fetched_at: '2026-05-22T19:55:03Z'
      content_hash: sha256:863ffb7e3fa931168492a4ec3468b6a6a57540818012563279348202f71fdc69
      paragraph_quote: |-
        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.
      drafter_attestation: |
        Copied verbatim from snapshot a171c17f1f18edcd (content.txt) at
        2026-05-22T20:48Z. Substring is the Laws and Requirements Applicable
        to Mortgage Servicing standard published by ML 2025-06 (subsequently
        carried forward under ML 2025-12).
    promoted_at: '2026-05-22T20:17:42+00:00'
    promoted_from: hud-ml-2025-06-roundb-v1.yaml
  - id: hud-ml-2025-06-loss-mit-eligibility-verification
    canonical_id: hud-ml-2025-06-loss-mit-eligibility-verification
    section: HUD ML 2025-06 — Eligibility to Participate in HUD Programs (III.A.2.h.iii(A))
    description: |
      Before offering any FHA Loss Mitigation Option under the framework
      established by ML 2025-06, [LENDER] must verify that the Borrowers are
      eligible to participate in HUD's Loss Mitigation Program (no other FHA-
      insured real estate beyond stated exceptions; no FHA-claim-paid prior
      loan in past 3 years; no debarment/suspension/LDP for relevant
      home-retention options; no unresolved delinquent Federal Debt for
      Partial Claim / Combination / Payment Supplement).
    type: do
    audit_question: For every FHA-insured Mortgage in Default for which [LENDER] offered a Loss Mitigation Option under ML 2025-06, can [LENDER] evidence the Borrower-eligibility verification (no other FHA-insured real estate beyond stated exceptions, no FHA-claim-paid prior loan in past 3 years, no debarment/suspension/LDP for relevant options, no unresolved delinquent Federal Debt for Partial Claim / Combination / Payment Supplement)?
    program_review: Does the program account for the loss-mit eligibility conditions under the ML 2025-06 framework before any option is offered — no other FHA-insured real estate beyond stated exceptions, no FHA-claim-paid prior loan in 3 years, no debarment/suspension/LDP for the relevant option, no unresolved delinquent Federal Debt for Partial Claim/Combination/Payment Supplement?
    file_review: Spot-check ML-2025-06 loss-mit files; confirm documented Borrower-eligibility verification before the option was offered.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: default_servicing_analyst
    cadence: per-defaulted-loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - loss-mitigation
      - borrower-eligibility
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2025-06 — III.A.2.h.iii(A)
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-06hsgml.pdf
      snapshot_id: a171c17f1f18edcd
      fetched_at: '2026-05-22T19:55:03Z'
      content_hash: sha256:863ffb7e3fa931168492a4ec3468b6a6a57540818012563279348202f71fdc69
      paragraph_quote: |-
        The Mortgagee must verify that the Borrowers are eligible to participate in HUD’s 
        Loss Mitigation Program.
      drafter_attestation: |
        Copied verbatim from snapshot a171c17f1f18edcd (content.txt) at
        2026-05-22T20:48Z. Substring is the (A) Eligibility to Participate
        in HUD Programs operative requirement from ML 2025-06.
    promoted_at: '2026-05-22T20:17:42+00:00'
    promoted_from: hud-ml-2025-06-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-22T20:17:42+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2025-06-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Update kit

Need to act on this regulation? FHA Loss Mitigation Overhaul — Mortgagee Letter 2025-06 →

Verbatim regulatory text (2)

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.

Source: HUD ML 2025-06 — III.A.1.a.ii(A) · source URL · snapshot a171c17f1f18edcd

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.

Source: HUD ML 2025-06 — III.A.2.h.iii(A) · source URL · snapshot a171c17f1f18edcd