source:
  type: regulation
  id: hud-4000-1-programs-and-products-insured-mortgages-on-indian-land-secti
  authority: HUD Handbook 4000.1 — Programs and Products - Insured Mortgages on Indian Land (Section 248
    Mortgages) (01/01/2025)
  description: "HUD Handbook 4000.1 section \"Programs and Products - Insured Mortgages on Indian Land\
    \ (Section 248 Mortgages)\". Gap-fill (verbatim, title-diff). \n"
obligations:
- id: hud-4000-1-programs-and-products-insured-mortgages-on-indian-land-secti-full
  canonical_id: hud-4000-1-programs-and-products-insured-mortgages-on-indian-land-secti-full
  section: HUD Handbook 4000.1
  description: "Programs and Products - Insured Mortgages on Indian Land (Section 248 Mortgages): 3. Programs\
    \ and Products - Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) \n \nd. Insured\
    \ Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) \ni. Face-to-Face Interviews \nThe\
    \ Mortgagee must have a face-to-face interview with the Borrower or make a \nreasonable effort to…"
  type: do
  tags:
  - regulator-direct
  - section-complete
  - hud
  - 4000-1
  - curated
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Programs and Products - Insured Mortgages on Indian Land (Section
      248 Mortgages) (01/01/2025)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: "3. Programs and Products - Insured Mortgages on Indian Land (Section 248 Mortgages)\
      \ (01/01/2025) \n \nd. Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) \n\
      i. Face-to-Face Interviews \nThe Mortgagee must have a face-to-face interview with the Borrower\
      \ or make a \nreasonable effort to arrange a face-to-face interview no later than the 61st Day of\
      \ \ndelinquency. \n(A) Face-to-Face Meetings Not Required \nThe Mortgagee is not required to conduct\
      \ a face-to-face interview if: \n• the Borrower has clearly indicated that they will not cooperate\
      \ with a face-toface interview; or \n• the Borrower’s payment is current due to an agreed-upon Repayment\
      \ Plan or \nForbearance Plan; and \n• a reasonable effort to arrange a meeting with the Borrower\
      \ is unsuccessful. \n(B) Arranging a Face-to-Face Interview \nTo arrange the face-to-face interview,\
      \ the Mortgagee must: \n• make at least one telephone call to the Borrower; \n• send one letter\
      \ certified by the U.S. Postal Service as having been \ndispatched; and \n• make one trip to visit\
      \ the Borrower at the mortgaged Property. \nThe Mortgagee must provide the following in each attempt\
      \ to arrange the face-toface interview: \n• the availability of face-to-face interviews; and \n\
      • how to schedule the interview. \nThe Mortgagee must document in its Servicing File all attempts\
      \ in contacting the \nBorrower to arrange a face-to-face interview, information about the interview,\
      \ and \nany decisions or follow-up needed as a result of the interview. \nii. Information Provided\
      \ to the Borrower \n• that information regarding the status and payment history of the Borrower’s\
      \ \nMortgage may be made available to credit bureaus and prospective creditors; \n• other available\
      \ mortgage assistance, if any; and \n\n3. Programs and Products - Insured Mortgages on Indian Land\
      \ (Section 248 Mortgages) (01/01/2025) \n \n• contact information for the FHA Resource Center (1-800-CALLFHA\
      \ (1-800225-5342) and answers@hud.gov) and that the FHA Resource Center is \nprepared to accept\
      \ calls from persons who are deaf or hard of hearing, as well \nas individuals with speech or communication\
      \ disabilities. \nThe Mortgagee must note in its Servicing File when and how the Borrower was \n\
      informed of the information above."
    drafter_attestation: Verbatim section from snapshot 8c03836f77f317e1; boundary human-curated + substring-verified
      (2026-07-23).
  judgment: false
