Home Foreclosures: 15.3.3.3.5 Legal claims against servicers and mortgagees
With the improvements in HUD’s policies providing protection for spouses, unless there is a separate basis for default on the loan, most non-borrowing spouses should be able to obtain a deferral of the foreclosure status through the MOE program for loans made prior to August 4, 2014, or the deferral period included in the mortgage for loans made after August 4, 2014. However, if such relief is denied, claims against the servicer or mortgagee could be considered.