The Federal Housing Administration (FHA) is considering a new approach to documenting and servicing partial claims and Payment Supplements. On July 20, 2026, FHA published a draft Mortgagee Letter proposing a Reinstatement Advance Payment (RAP) Demonstration for stakeholder review and feedback. If finalized, the demonstration would provide FHA-approved mortgagees with an alternative to the separate […]

The 21st Century ROAD (Renewing Opportunity in the American Dream) to Housing Act became law on July 11, 2026, establishing a broad new framework intended to increase housing supply, reduce development barriers, and expand access to affordable homeownership and rental housing. The bipartisan law brings together dozens of housing-related reforms affecting federal housing programs, residential […]

New approved lending areas create expanded opportunities for eligible Native American borrowers and participating lenders HUD Broadens Geographic Eligibility for Section 184 Lending HUD's Office of Native American Programs (ONAP) has expanded the approved lending areas for the Section 184 Indian Housing Loan Guarantee Program, adding new counties where eligible American Indian and Alaska Native […]

How Servicers Can Operationalize the New Requirements ONAP Establishes Permanent Loss Mitigation Framework HUD’s Office of Native American Programs (ONAP) has issued permanent loss mitigation requirements for loans guaranteed under the Section 184 Indian Housing Loan Guarantee and Section 184A Native Hawaiian Housing Loan programs. Published in Lender Letter 2026-03, the framework replaces prior COVID-era […]