FHA, VA & USDA Mortgages Archives

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

To Leaders Thune and Schumer, Speaker Johnson, and Leader Jeffries: We, the 1,573 undersigned national, state, and local organizations, write to oppose efforts by the Department of Government Efficiency (DOGE) and Secretary Scott Turner to terminate at least half of all employees at the U.S. Department of Housing and Urban Development (HUD). This is a…

Letter for the Record: Subcommittee on Housing and Insurance, U.S. House Financial Services Committee, Hearing: "Building Our Future: Increasing Housing Supply in America."

March 1, 2025

The lack of housing supply is a significant issue and presents a barrier to homeownership. However, housing supply is only one half of the housing crisis problem; the other half is affordability. Homeownership rates will not increase, no matter how many new homes are built, if these homes are too expensive for consumers to purchase.…

NCLC/CRL Comments in Response to Draft Handbook 4000.1

December 20, 2024

NCLC and CRL submitted comments in response to FHA’s draft handbook that support that draft and offer areas for improvement.

Joint Industry and Advocacy Comment on Draft FHA Handbook

December 20, 2024

In this letter, consumer advocates and mortgage industry trade associations support HUD’s draft loss mitigation waterfall and make suggestions for improving it.

Comments to HUD's Proposed Guidance on Partial Claims and Payoffs

October 10, 2024

NCLC supports HUD’s proposal to require servicers to provide partial claim information in connection with a request for a mortgage payment.

Comments to HUD's Proposed Note Sale Rule

September 16, 2024

We support the important protections HUD has put into place to help avoid unnecessary foreclosures for loans that may be sold in bulk sales of FHA-insured loans.

Comments on HUD's Handbook for Modernization of Engagement with Borrowers in Default

September 13, 2024

This letter responds to HUD’s proposed policy updates regarding meetings with borrowers in default in connection with its revision of 24 CFR 203.604.

Comments on FHA Defect Taxonomy

August 26, 2024

NCLC submitted comments on HUD’s revised version of the Defect Taxonomy, which is a document that will be used when HUD assesses servicer compliance with FHA-insured rules.

NCLC, CRL, and Housing Policy Council Urge FHA to Improve Its Streamlined Refinancing Program

May 7, 2024

NCLC, CRL and HPC write to urge FHA to consider adjusting the FHA Streamline Refinance program to allow closing costs to be rolled into the principal balance of the new loan. When paired with our recommendations for enhanced borrower protections for the program, this adjustment would enable more borrowers, particularly low-to-moderate income (LMI), Black, and…

NCLC and CRL Proposal for FHA Loss Mitigation

March 27, 2024

In this letter, NCLC and CRL propose how FHA should shape its system for helping borrowers avoid foreclosure.

Updated NCLC and CRL Comments on HUD's Payment Supplement Partial Claim

December 12, 2023

In these comments, the National Consumer Law Center and the Center for Responsible Lending provided detailed comments to HUD’s revision of its Payment Supplement Partial Claim program, which will help borrowers avoid unnecessary foreclosure. See here for the comments submitted on the prior version of HUD’s Payment Supplement Partial Claim.

Letter to the FHFA regarding mortgages for new homes backed by the GSE to meet updated energy codes

November 30, 2023

The 78 undersigned affordable housing, consumer, health, energy efficiency, environmental, andbusiness organizations urge the FHFA to require that all mortgages for new homes backed by theGovernment Sponsored Enterprises (Enterprises) meet the energy code requirements currentlyproposed by the Department of Housing and Urban Development (HUD) and the U.S. Department ofAgriculture (USDA) for their mortgage products.

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