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ML 09-03: HOPE for Homeowners Origination and Servicing Guidance Supplement

On January 6, 2009, HUD published Mortgagee Letter 2009-03, which provides additional information, directions, and guidance to the revisions in the HOPE for Homeowners program.  The Mortgagee Letter, incorporates the changes made by Emergency Economic Stabilization Act of 2008 (EESA), supplements Mortgagee Letters 2008-29 and 2008-30 and is effective immediately.  The following attachments also accompany the mortgagee letter: Shared Appreciation Note, Model H4H Pre-Endorsement, Shared Equity Note, FHA HOPE for Homeowners Attachment to FHA Loan Underwriting and Transmittal Summary (Currently Being updated), Consumer Disclosure and Certification Form, HOPE for Homeowners Certification, and Appreciation Worksheet.

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