HUD ML 2013-18 Updated Clarification of Title Approval at Conveyance

Investor Update: On May 31, the U.S. Department of Housing and Urban Development (HUD) released Mortgagee Letter 2013-18 subtitled Updated Clarification Regarding Title Approval at Conveyance.

Mortgagee Letter 2013-18
To: All FHA-Approved Mortgagees, Single Family Servicing Managers

Subject:  Updated Clarification Regarding Title Approval at Conveyance

Purpose:  The purpose of this Mortgagee Letter is to provide updated guidance relating to title approval at conveyance. This Mortgagee Letter addresses the following:

  • Unpaid property taxes;
  • Homeowners Association (HOA)/Condominium fees;
  • Unpaid utility bills/assessments; and
  • Unresolved manufactured housing title issues.

Effective Date:  All requirements are effective for single-family real estate owned (REO) properties conveyed on or after 90 days from the date of issuance.

Affected Policy:  This Mortgagee Letter rescinds Mortgagee Letter 2012-11, Clarification Regarding Title Approval at Conveyance in its entirety. This Mortgagee Letter also supersedes provisions regarding unpaid taxes, HOA/ condominium fees, utility/assessment bills, and unresolved manufactured housing title issues in Mortgagee Letter 2002-19, Clarification Regarding Title Approval Issues, Property Condition at Conveyance, Administrative Offsets and a New Process for Lender Appeal of Conveyance Issues. All other requirements of Mortgagee Letter 2002-19 remain in effect.

Please click here to view Mortgagee Letter 2013-18 in its entirety.

About Safeguard 
Safeguard Properties is the largest mortgage field services company in the U.S. Founded in 1990 by Robert Klein and based in Valley View, Ohio, the company inspects and maintains defaulted and foreclosed properties for mortgage servicers, lenders,  and other financial institutions. Safeguard employs approximately 1,700 people, in addition to a network of thousands of contractors nationally. Website:


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