Date: June 17, 2020
Mortgagee Letter 2020-19
To: All FHA-Approved Mortgagees
All Direct Endorsement Underwriters
All Eligible Submission Sources for Condominium Project Approvals All FHA Roster Appraisers
All FHA-Approved 203(k) Consultants All HUD-Approved Housing Counselors
All HUD-Approved Nonprofit Organizations All Governmental Entity Participants
All Real Estate Brokers All Closing Agents
Subject Extension of Foreclosure and Eviction Moratorium in connection with the
Presidentially-Declared COVID-19 National Emergency
Purpose The purpose of this Mortgagee Letter is to inform mortgagees of an
extension to the foreclosure and eviction moratoriums originally issued in Mortgagee Letter 2020-4
and extended in Mortgagee Letter 2020-13 for borrowers with FHA-insured Single Family mortgages
covered under the Coronavirus Aid, Relief, and Economic Security (CARES) Act for an additional
period through August 31, 2020.
Effective Date The extension of the moratorium announced in this Mortgagee Letter is
effective immediately upon the expiration of the moratorium announced in Mortgagee Letter 2020-13
for all FHA-insured mortgages except for FHA- insured mortgages secured by vacant or abandoned
HUD welcomes feedback from interested parties for a period of 30 calendar days from the date of
issuance. To provide feedback on this policy document, please send feedback to the FHA Resource
Center at firstname.lastname@example.org.
HUD will consider the feedback in determining the need for future updates.
This guidance applies to all FHA Title II Single Family mortgage programs.
Mortgagee Letter 2020-19, Continued
This guidance applies to all FHA Title II Single Family forward and Home Equity Conversion Mortgage
(reverse) mortgage programs except for FHA- insured mortgages secured by vacant or abandoned
Background On March 18, 2020, HUD published Mortgagee Letter 2020-04, through which the
Secretary of HUD authorized a 60-day moratorium on foreclosures of FHA-insured mortgages and
evictions of persons from properties securing FHA-insured mortgages, to ensure that individuals and
families were not displaced during this critical period. On May 14, 2020, HUD published Mortgagee
Letter 2020-13 to extend the moratorium that expired on May 17, 2020 through June 30, 2020. Due to
the continued national emergency resulting from the COVID-19 pandemic, HUD is issuing this
Mortgagee Letter to extend the moratorium issued in Mortgagee Letter 2020-13 for all FHA-insured
mortgages except those secured by vacant or abandoned properties.
Moratorium on Foreclosures and Evictions and Extension of Deadlines
FHA-insured Single Family mortgages, excluding vacant or abandoned properties, are subject to an
extension to the moratorium on foreclosure through August 31, 2020. The moratorium applies to the
initiation of foreclosures and to foreclosures in process.
Separate from any eviction moratorium applicable to lessors provided under the CARES Act, evictions
of persons from properties securing FHA-insured Single Family mortgages, excluding actions to evict
occupants of legally vacant or abandoned properties, are also suspended through August 31, 2020.
Deadlines for the first legal action and reasonable diligence timelines are extended by 90 days
from the date of expiration of this moratorium for FHA- insured Single Family mortgages, except for
FHA-insured mortgages secured by vacant or abandoned properties.
Paperwork Reduction Act
The information collection requirements contained in this document have been approved by the Office
of Management and Budget (OMB) under the Paperwork Reduction Act of 1995 (44 U.S.C. 3501-3520) and
assigned OMB Control Numbers 2502-0429, 2502-0583, and 2502-0584. In accordance with the Paperwork
Reduction Act, HUD may not conduct or sponsor, and a person is not required to respond to, a
collection of information unless the collection displays a currently valid OMB Control Number.
Mortgagee Letter 2020-19, Continued
Any questions regarding this Mortgagee Letter may be directed to the FHA
Resource Center at 1-800-CALL-FHA. Persons with hearing or speech impairments may reach this number
by calling the Federal Relay Service at 1- 800-877-8339. For additional information on this
Mortgagee Letter, please visit www.hud.gov/answers.
Acting Assistant Secretary for Housing –
Federal Housing Commissioner