Loan impact
From the letter text · needs reviewApplies to: FHA Title II Single Family forward and HECM mortgages secured by properties located in Los Angeles County, California.
- ANDFHA loan
- ANDState is CA
- Addressed to
- All FHA-Approved Mortgagees
- Investor
- FHAFrom the publisher, not quoted from the text
- Programs
- FHAFrom the publisher, not quoted from the text
- Affected area
- ForeclosureGuide Section III.A.2.n.ii
- Applicability confidence
- Needs review: some rows could not be matched to a quote from the source
Supporting quotes from the letter
- conditions“Properties located in Los Angeles County, California, and secured by FHA-insured Single Family forward mortgages are subject to an extended foreclosure moratorium through July 7, 2025.”
- affected areas“The moratorium applies to the initiation of foreclosures and to the completion of foreclosures in process.”
- guide sections“This ML: • extends the automatic foreclosure moratorium in Moratorium on Foreclosures (III.A.2.n.ii) for Properties located in Los Angeles County, California; and • provides relief for FHA-insured HECMs.”
What changed
From the letter text · Section III.A.2.n.ii| Requirement | Previously | Now |
|---|---|---|
| Single Family forward mortgage foreclosure moratoriumRelaxed | Previously: HUD’s automatic foreclosure moratorium was set to expire on April 8, 2025. | Properties in Los Angeles County secured by FHA forward mortgages are subject to an extended foreclosure moratorium through July 7, 2025, and first legal action and Reasonable Diligence deadlines are extended by 180 days from July 7, 2025. |
| HECM foreclosure moratoriumNewRequired | Not stated | Mortgagees must observe a foreclosure moratorium through July 7, 2025, for FHA-insured HECMs in Los Angeles County that are Due and Payable for reasons other than the borrower's death and not subject to a Deferral Period. |
What to do
AWACS interpretation · not source languageWhat to review: Review active foreclosure and default servicing pipelines for FHA Single Family forward and HECM loans secured by properties in Los Angeles County, California, to apply the extended moratorium through July 7, 2025.
Implement an immediate foreclosure moratorium through July 7, 2025, on FHA-insured HECMs secured by properties in Los Angeles County, California, that are due and payable for reasons other than the borrower's death and not subject to a deferral period.
QC implications
- Sample servicing records for FHA forward and HECM loans secured by properties in Los Angeles County, California, to confirm that foreclosure initiations and completions are halted through July 7, 2025.
- Verify that first legal action, reasonable diligence, and relevant servicing deadlines reflect the allowable 180-day extension from July 7, 2025.
Source and record
Version 1 · archivedChecks
Source verified: Passed
The document ID, link and publication date match the official source.
Quotes match the source: Passed, adjusted automatically
Every quoted passage appears word for word in the official document.
- A detail the source does not support was removed or adjusted
Requirements backed by the source: Passed, adjusted automatically
Anything marked required is backed by the requirement language and dates in the source.
- A detail the source does not support was removed or adjusted
- An independent check could not confirm which way a change moves a rule; it is not marked as required
- An independent check could not confirm which loans a change applies to; those conditions were removed
In scope: Passed
The document is about residential mortgage lending.
Format and labels: Passed
The record follows the AWACS format and uses its standard labels.
Source
- Mortgagee Letter ML 2025-07 (official) ↗ (opens in a new tab)
- Archived copy, SHA-256 204ab244d671…
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