HUD Mortgagee Letter 2025-13

hud-ml-2025-13

HUD Mortgagee Letter 2025-13. See obligation entries for operative requirements and verbatim primary-source citations.

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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?
    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
    feeds: []
    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 
        theProperty 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
  - 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?
    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
    feeds: []
    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 
        efforts, the Mortgagee must convey the Property to HUD within 30 
        Days 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
  - 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)?
    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
    feeds: []
    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 
        Days 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
_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

Verbatim regulatory text (3)

Verbatim provisions from HUD Mortgagee Letter 2025-13 — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

HUD ML 2025-13 — CWCOT Post-Foreclosure Sales Period (III.A.2.s.iii(F)(1))

Mortgagees that utilize the post-foreclosure sales efforts must list theProperty for sale to all third parties for a 60-Day period.

Source: HUD ML 2025-13 — III.A.2.s.iii(F)(1) · source URL · snapshot 3b7d51eccdef167a

HUD ML 2025-13 — Conveyance Time Frame if Property Does Not Sell (III.A.2.s.iii(F)(2)(a))

If the Property does not sell through the post-foreclosure sales efforts, the Mortgagee must convey the Property to HUD within 30 Days of the end of the post-foreclosure sales period.

Source: HUD ML 2025-13 — III.A.2.s.iii(F)(2)(a) · source URL · snapshot 3b7d51eccdef167a

HUD ML 2025-13 — Submission of Claim Form Parts to HUD for CWCOT (IV.A.2.d.iii)

The Mortgagee must submit Parts A and B simultaneously no later than 30 Days after:

Source: HUD ML 2025-13 — IV.A.2.d.iii · source URL · snapshot 3b7d51eccdef167a

Operationalizing HUD Mortgagee Letter 2025-13

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/hud-ml-2025-13/ · register hud-ml-2025-13 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.