FHA Mortgagee Letter 2009-46 A was issued November 6, 2009, and modified Letter 2009-46 B, which was issued as of the same date.
Letter 2009-46 A extended the "Spot Loan" approval process until February 1, 2010.
Letter 2009-46 A temporarily increased the FHA loan concentration rate from 30% to 50% to address "current housing market conditions." In certain situations, the FHA loan concentration rate may be increased to 100%.
Letter 2009-46 A temporarily increased the FHA pre-sale rate from 30% to 50% to address "current housing market conditions."
Recognizing the extreme difficulties in the Florida condominium marketplace, Letter 2009-46 A established the following requirement:
"All requests for approval of condominium projects located in Florida will require submission to the Atlanta Homeownership Center for review, under the HUD Review and Approval Process (HRAP). These projects are not eligible for approval using the Direct Endorsement Lender Review and Approval Process (DELRAP), defined in ML 2009-46 B."
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