source:
  type: regulation
  id: hud-ml-2025-13
  authority: HUD Mortgagee Letter 2025-13
  description: 'HUD Mortgagee Letter 2025-13. See obligation entries for operative

    requirements and verbatim primary-source citations.

    '
obligations:
- id: hud-ml-2025-13-cwcot-60-day-listing
  canonical_id: hud-ml-2025-13-cwcot-60-day-listing
  section: "HUD ML 2025-13 — CWCOT Post-Foreclosure Sales Period (III.A.2.s.iii(F)(1))"
  description: 'Where [LENDER] (as Mortgagee) utilizes CWCOT post-foreclosure sales

    efforts on FHA-insured Mortgages with post-foreclosure sales scheduled

    to occur on or after May 30, 2025, [LENDER] must list the Property for

    sale to all third parties for a 60-Day period.

    '
  type: do
  audit_question: For every CWCOT post-foreclosure sales effort [LENDER] conducted with sale scheduled on or after May 30, 2025, can [LENDER] evidence that the Property was listed for sale to all third parties for a 60-Day period?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-cwcot-sale
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - cwcot
  - post-foreclosure-sales
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-13 — III.A.2.s.iii(F)(1)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-13hsgml.pdf
    snapshot_id: 3b7d51eccdef167a
    fetched_at: '2026-05-22T19:55:07Z'
    content_hash: sha256:f47838becc209583cb06dd8ae4440755d308018c36e8f759dfe5ee110db0dd04
    paragraph_quote: "Mortgagees that utilize the post-foreclosure sales efforts must list \ntheProperty for sale to all third parties for a 60-Day period."
    drafter_attestation: 'Copied verbatim from snapshot 3b7d51eccdef167a (content.txt) at

      2026-05-22T20:36Z. Substring is the (1) CWCOT Post-Foreclosure Sales

      Period standard from ML 2025-13. The "theProperty" run-together is

      preserved as it appears in the PDF-extracted text.

      '
  promoted_at: '2026-05-22T20:17:43+00:00'
  promoted_from: hud-ml-2025-13-roundb-v1.yaml
  program_review: Do the P&Ps ensure CWCOT properties (post-foreclosure sales scheduled on/after May 30, 2025) are listed for sale to all third parties for a 60-Day period?
  file_review: Pull CWCOT post-foreclosure efforts scheduled on/after May 30, 2025; confirm the 60-Day all-third-party listing period.
  judgment: false
- id: hud-ml-2025-13-conveyance-30-day
  canonical_id: hud-ml-2025-13-conveyance-30-day
  section: "HUD ML 2025-13 — Conveyance Time Frame if Property Does Not Sell (III.A.2.s.iii(F)(2)(a))"
  description: 'Where [LENDER] conducted a CWCOT post-foreclosure sales effort and the

    Property did not sell through the post-foreclosure sales efforts,

    [LENDER] must convey the Property to HUD within 30 Days of the end of

    the post-foreclosure sales period.

    '
  type: do
  audit_question: For every CWCOT post-foreclosure sales effort where the Property did not sell, can [LENDER] evidence conveyance of the Property to HUD within 30 Days of the end of the post-foreclosure sales period?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-cwcot-sale
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - cwcot
  - conveyance
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-13 — III.A.2.s.iii(F)(2)(a)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-13hsgml.pdf
    snapshot_id: 3b7d51eccdef167a
    fetched_at: '2026-05-22T19:55:07Z'
    content_hash: sha256:f47838becc209583cb06dd8ae4440755d308018c36e8f759dfe5ee110db0dd04
    paragraph_quote: "If the Property does not sell through the post-foreclosure sales \nefforts, the Mortgagee must convey the Property to HUD within 30 \nDays of the end of the post-foreclosure sales period."
    drafter_attestation: 'Copied verbatim from snapshot 3b7d51eccdef167a (content.txt) at

      2026-05-22T20:36Z. Substring is the (a) Conveyance Time Frame

      standard added by ML 2025-13.

      '
  promoted_at: '2026-05-22T20:17:43+00:00'
  promoted_from: hud-ml-2025-13-roundb-v1.yaml
  program_review: Do the P&Ps ensure that where a CWCOT post-foreclosure effort does not sell the Property, the Property is conveyed to HUD within 30 Days of the end of the post-foreclosure sales period?
  file_review: Spot-check unsold CWCOT efforts; confirm conveyance to HUD within 30 Days of the end of the sales period.
  judgment: false
- id: hud-ml-2025-13-claim-form-parts-submission
  canonical_id: hud-ml-2025-13-claim-form-parts-submission
  section: "HUD ML 2025-13 — Submission of Claim Form Parts to HUD for CWCOT (IV.A.2.d.iii)"
  description: 'For every Claim Type 06 (CWCOT) claim, [LENDER] must submit Parts A and

    B of form HUD-27011 to HUD simultaneously no later than 30 Days after

    the earliest of (a) the date [LENDER] acquired good and marketable

    title; (b) the date a third party acquired good and marketable title;

    (c) the date the Borrower or other party redeemed the Property; (d) the

    date the redemption period expires; or (e) such other date as required

    by the FHA Commissioner.

    '
  type: do
  audit_question: For every Claim Type 06 CWCOT claim, can [LENDER] evidence simultaneous submission of Parts A and B of HUD-27011 within 30 Days of the earliest trigger event (good-and-marketable-title acquisition by Mortgagee or third party, Borrower redemption, redemption-period expiration, or FHA Commissioner deadline)?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-cwcot-claim
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - cwcot
  - claim-submission
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-13 — IV.A.2.d.iii"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-13hsgml.pdf
    snapshot_id: 3b7d51eccdef167a
    fetched_at: '2026-05-22T19:55:07Z'
    content_hash: sha256:f47838becc209583cb06dd8ae4440755d308018c36e8f759dfe5ee110db0dd04
    paragraph_quote: "The Mortgagee must submit Parts A and B simultaneously no later than 30 \nDays after:"
    drafter_attestation: 'Copied verbatim from snapshot 3b7d51eccdef167a (content.txt) at

      2026-05-22T20:36Z. Substring is the CWCOT claim Parts-A-and-B

      30-Day submission standard added by ML 2025-13; the five trigger

      events are enumerated in description.

      '
  promoted_at: '2026-05-22T20:17:43+00:00'
  promoted_from: hud-ml-2025-13-roundb-v1.yaml
  program_review: Do the P&Ps ensure Claim Type 06 (CWCOT) Parts A and B are submitted simultaneously no later than 30 Days after the earliest trigger (Mortgagee/third-party good-and-marketable title, Borrower redemption, redemption-period expiry, or Commissioner-required date)?
  file_review: Pull Claim Type 06 claims; confirm simultaneous Parts A and B submission within 30 Days of the earliest trigger event.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:17:43+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2025-13-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
