source:
  type: regulation
  id: hud-ml-2025-09
  authority: HUD Mortgagee Letter 2025-09
  description: 'HUD Mortgagee Letter 2025-09. See obligation entries for operative

    requirements and verbatim primary-source citations.

    '
obligations:
- id: hud-ml-2025-09-residency-determination-standard
  canonical_id: hud-ml-2025-09-residency-determination-standard
  section: "HUD ML 2025-09 — Residency Requirements: Determination Standard (II.A.1.b.ii(A)(9) / II.B.2.b.ii(A)(4))"
  description: 'For each Borrower on an FHA-insured Mortgage (forward or HECM) with FHA

    case number assigned on or after May 25, 2025, [LENDER] must determine

    the residency status of the Borrower based on information provided on

    the mortgage application and other applicable documentation. A Social

    Security card is not sufficient to prove immigration or work status.

    '
  type: do
  audit_question: For every FHA-insured loan with case number assigned on or after May 25, 2025, can [LENDER] evidence its residency-status determination for each Borrower based on information from the mortgage application and other applicable documentation (and NOT relying solely on the Borrower's Social Security card)?
  workflow_phase: underwriting
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: per-loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - underwriting
  - residency-determination
  - borrower-eligibility
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-09 — Residency Requirements"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-09hsgml.pdf
    snapshot_id: 6571b13e84e18c4a
    fetched_at: '2026-05-22T19:55:05Z'
    content_hash: sha256:17a84357b34c644c210a6e56c7618d506f5fa8d25dd46c0ceb0025336b1a7ec2
    paragraph_quote: "The Mortgagee must determine the residency status of the Borrower based \non information provided on the mortgage application and other applicable \ndocumentation. A Social Security card is not sufficient to prove immigration"
    drafter_attestation: 'Copied verbatim from snapshot 6571b13e84e18c4a (content.txt) at

      2026-05-22T20:32Z. Substring is the Residency Requirements

      determination standard updated by ML 2025-09 (applies to both

      forward and reverse-mortgage residency sections).

      '
  promoted_at: '2026-05-22T20:17:42+00:00'
  promoted_from: hud-ml-2025-09-roundb-v1.yaml
  program_review: Does the program account for the post-5/25/2025 residency condition — determining each Borrower's residency status from the application and other applicable documentation, and NOT treating a Social Security card as sufficient proof of immigration/work status?
  file_review: Spot-check files (case numbers on/after May 25, 2025); confirm a documented residency-status determination per Borrower not relying solely on the Social Security card.
  judgment: false
- id: hud-ml-2025-09-permanent-resident-documentation
  canonical_id: hud-ml-2025-09-permanent-resident-documentation
  section: "HUD ML 2025-09 — Permanent Residents: Required Documentation"
  description: 'Where [LENDER] qualifies a Borrower as a lawful Permanent Resident under

    the post-ML-2025-09 residency requirements, the mortgage file must

    include evidence of lawful permanent residence and indicate that the

    Borrower is a lawful permanent resident on the URLA (or RLARM for

    reverse mortgages).

    '
  type: do
  audit_question: For every FHA-insured loan (case number assigned on or after May 25, 2025) where [LENDER] qualified the Borrower as a lawful Permanent Resident, can [LENDER] produce from the loan file (a) evidence of lawful permanent residence and (b) the URLA (or RLARM) indicating the Borrower is a lawful permanent resident?
  workflow_phase: underwriting
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: per-loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - underwriting
  - permanent-resident
  - documentation
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-09 — Permanent Residents (a)(ii) Required Documentation"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-09hsgml.pdf
    snapshot_id: 6571b13e84e18c4a
    fetched_at: '2026-05-22T19:55:05Z'
    content_hash: sha256:17a84357b34c644c210a6e56c7618d506f5fa8d25dd46c0ceb0025336b1a7ec2
    paragraph_quote: "The mortgage file must include evidence of lawful permanent \nresidence and indicate that the Borrower is a lawful permanent \nresident on the URLA."
    drafter_attestation: 'Copied verbatim from snapshot 6571b13e84e18c4a (content.txt) at

      2026-05-22T20:32Z. Substring is the Permanent Residents Required

      Documentation standard under ML 2025-09 (forward-mortgage section;

      reverse-mortgage parallel uses RLARM in place of URLA).

      '
  promoted_at: '2026-05-22T20:17:42+00:00'
  promoted_from: hud-ml-2025-09-roundb-v1.yaml
  program_review: Does the program account for the lawful-Permanent-Resident condition — requiring evidence of lawful permanent residence in the mortgage file and the URLA (or RLARM) indicating lawful permanent resident status?
  file_review: Spot-check post-5/25/2025 files qualifying a Borrower as a lawful Permanent Resident; confirm evidence of lawful permanent residence and the URLA/RLARM indicator.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:17:42+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2025-09-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
