Major Changes are Coming to the Servicing Requirements for FHA Loans
On June 3, 2025, the Federal Housing Administration (FHA) published Mortgagee Letter (ML) 2025-14, which updates and revises HUD's servicing and loss mitigation requirements for FHA-insured loans. It replaces certain requirements established by ML 2024-24 and incorporates technical corrections to MLs 2025-06 and 2025-12. The updates will be codified in HUD Handbook 4000.1 and affect all FHA Title II Single Family forward mortgages.