• • HUD’s COVID-19 Home Equity Conversion Mortgage (HECM) Property Charge Repayment Plan (12/15/2022) ML 2022-23
  • FHA Expands Mortgage Eligibility For Borrowers Previously Affected By COVID-19 (7/7/2022) Mortgagee Letter 2022-09 
  • VA Loan Repayment Relief for Borrowers Affected by COVID-19 Extended to 7/1/2023 (2/28/2022)
  • VA Approving Forbearance Requests for Borrowers Affected by COVID-19 Amended 9/15/2022
  • How the Homeownership Assistance Fund (HAF) Can Serve Your Clients (2/25/2022)
  • CFPB Announces End to Reg X Flexibilities (11/10/2021)
  • CFPB Takes Action to Prevent Avoidable Foreclosures for hardships due to COVID-19 (11/10/2021)
  • NY State has tentatively been awarded Homeowner Assistance Fund (HAF) monies for homeowners 
  • NY passes new legislation to extend the foreclosure & eviction moratorium to Jan. 15, 2022. (9/2/2021)
  • FHA Default Servicing: Waiver Face-to-Face Interviews with Borrowers (FHA Info #21-105) (12/2/2021)
  • FHFA Moratorium on Foreclosures and REO Evictions expired September 30, 2021 (exempts Vacant & Abandoned properties)
  • FHFA COVID-19 Multifamily Forbearance expired September 30, 2021
  • FHA Moratorium on Foreclosures and Evictions expired September 30, 2021 (ML 2021-19)
  • VA Foreclosure and Eviction Moratorium expired September 30, 2021–Circular 26-21-14
  • USDA Foreclosure & Eviction Moratorium expired September 30, 2021 (exempts Vacant & Abandoned properties)
  • COVID-19 Recovery Loss Mitigation Options ML 2021-18 Training Webinar  (9/2/2021)
  • COVID-19 Recovery Options Industry Webinar Video Message by Julienne Joseph, FHA’s Deputy Assistant Secretary (DAS) for the Office of Single Family Housing  (9/2/2021)
• OLDER COVID-19 RELATED RESOURCES
  • Forbearance Fact Sheet for Government Loans in the CARES Act
  • USDA FAQs in Relation to COVID-19 Pandemic (Updated 9/15/2020)
  • FHA COVID-19 FAQ (Rev. 8/27/2020)
  • HUD Mortgagee Letter 2020-09 CARES Act Forbearance (4/10/2020)
  • HUD Mortgagee Letter 2020-08 (4/6/2020) Supplemental Claims Accepted Electronically
  • HUD Mortgagee Letter 2020-06 on COVID-19 Forbearance Guidance (4/1/ 2020)
  • HUD’s Notice on CARES Act & Mortgage Payment Relief (4/1/ 2020)
  • VA Resources and COVID-19 Circulars
  • CFPB Emergency Access to Mortgage Credit in COVID-19 (4/29/2020)
  • CFPB Message to Consumers on CARES Act Mortgage Forbearance
  • CFPB’s CARES Act Resource Page
  • FHFA Announces Fannie and Freddie mortgage payment deferral program  (5/13/2020)
  • FHFA Announcement: “No Lump Sum Required” at end of Forbearance (4/27/2020)
  • FHFA Announcement to Purchase Loans in Forbearance (4/22/2020)
  • FHFA Addresses Servicer Liquidity Concerns, Announces Four Month Advance Obligation Limit for Loans in Forbearance (4/21/2020)
  • FHFA Authorizes Loan Processing Flexibilities for GSEs (3/31/2020)
  • Fannie Mae LL 2021-07 COVID-19 Payment Deferral (2/10/2021)
  • Fannie Mae’s Digital Took Kit-Resources for Homeowners & Renters (8/5/2020)
  • Fannie Mae: COVID-19 FAQs (Updated 11/6/2020)
  • Fannie Mae: Understand your COVID-19 Mortgage Options (5/13/2020)
  • Fannie Mae COVID-19 Forbearance Script  (4/15/2020)
  • Fannie Mae Lender Letter 2020-03 -Sellers Guidance on Originations (Updated 5/28/2020)
  • Fannie Mae Lender Letter 2020-04 -Sellers Guidance on Appraisals (Updated 5/28/2020)
  • Fannie Mae Scenarios, Reps & Warranties: Loans in Forbearance (4/22/2020)
  • Fannie Mae Lender Letter 2020-06 Sellers Guidance (Updated 5/19/2020)
  • Fannie Mae Appraisal Flexibilities Resources
  • Fannie Mae Lender Letter 2020-02-Servicing Guidance (Updated 6/10/2020)
  • Fannie Mae COVID-19 Update Page (Updated 6/2/2020)
  • Freddie Mac: Lump sum payment not required in Forbearance (5/13/2020)
  • Freddie Mac Bulletin 2021-6 Payment Deferral & Forbearance Plans (2/10/2021)
  • Freddie Mac COVID-19 Payment Deferral Bulletin 2020-15 (5/13/2020)
  • Freddie Mac COVID-19 Forbearance Script (Updated 5/28/2020)
  • Freddie Mac Bulletin 2020-11  Temporary Selling Guidance   (4/14/2020)
  • Freddie Mac Servicing Bulletin 2020-10  Temporary Servicing Guidance (4/8/2020)
  • Freddie Mac Bulletin 2020-8  (Effective 3/31/2020) RON
  • NYS Regulation Part 119: Emergency Financial Relief for New Yorkers During COVID-19
  • Joint Statement from Federal & State Regulators on Servicing during COVID-19 (4/3/2020)
  • Appraisers, Realtors & Home Inspectors are deemed Essential Services in New York ( 4/1/2020)

          New York Department of Financial Services–Industry Letters

• Guidance & List of Essential Services by New York ESD Ref. EO 202.6 (Updated 10/23/2020)

  Industry related Executive Orders issued by Governor Cuomo re: COVID-19

  202.81 Moratorium on Commercial Foreclosures & Evictions Extended to January 31, 2021

• 202.72 Time to answer pending summary eviction proceeding for non-payment of rent from Nov. 3rd is 60 days

  202.70 Moratorium on Commercial Foreclosures & Evictions Extended to January 1, 2021
  202.67 Tolls Statute of Limitations until Nov. 3rd **Not Extended Past 11/3**
  202.66 Residential Tenants who experienced financial hardships due to COVID are protected from eviction through Jan. 1, 2021
  202.57 Moratorium on Commercial Tenant Evictions & Commercial foreclosures extended to September 20, 2020
  Judge Marks’ Memo: Revised Procedure for Addressing Residential and Commercial Eviction Proceedings (8/12/2020)
  202.48 Lifted the prohibition of initiation or enforcement of residential mortgage foreclosures and evictions
  202.18  Electronic meetings for non-profits; Condominiums in 1st year of operation; Extension of previous EOs to May 15, 2020
  202.16  No Action/No Filing letters for affordable housing and homeless shelters
  202.13  Certain construction is exempt from in-person; Modification of Section 576 of the Banking Law
  202.9  Mortgage Forbearance

• MBA’s COVID-19 Resource Page

  MBA’s COVID-19 Resources for Consumers