FHA Call to Lenders on Workers, Contractors, re: Federal Government Shutdown



Shutdown theater continues in Washington, D.C. So, yesterday afternoon, the U.S. Department of Housing and Urban Development’s Federal Housing Administration (FHA) requested that approved lenders consider the financial hardships caused by the partial federal shutdown.


That press release is below, including a letter linked from FHA’s Brian Montgomery.  After that there will be an infographic that manufactured home retailers, developers, and communities may find of interest.


WASHINGTON – The Federal Housing Administration (FHA) today called on all approved mortgagees and lenders to be sensitive to the financial hardships experienced by borrowers as a result of the shutdown, including those borrowers subject to furlough, layoff, or a reduction in income related to the shutdown.   Read FHA Commissioner Brian Montgomery’s letter to lenders and approved mortgagees.

FHA-approved mortgagees and lenders are reminded of their ongoing obligation to offer special forbearance to borrowers experiencing loss of income.

FHA expects all approved mortgagees and lenders to make every effort to communicate with and assist affected borrowers to the greatest extent possible by:

  • extending special forbearance plans to borrowers impacted by the shutdown, and
  • fully evaluating borrowers for available loss mitigation options to avoid foreclosure whenever possible.

“In accordance with longstanding policy, FHA expects mortgagees to assist borrowers experiencing a loss of income,” said FHA Commissioner Brian Montgomery in a letter to FHA-approved lenders and mortgagees.

FHA is also strongly encouraging all approved mortgagees and lenders to waive late fees for affected borrowers and to suspend credit reporting on borrowers nationwide who have been affected by the shutdown.




HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all.



Here above is the promised infographic, and some 2019 FHA lending guidelines.  Turn to an FHA lender approved for manufactured home lending for additional details.

That’s this morning’s “News through the lens of manufactured homes, and factory-built housing,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)


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