HUD wants more mortgage rate chit-chat from lenders
Published Date: 9/25/2026
Notice
Summary
HUD wants to keep collecting info from lenders about Adjustable Rate Mortgages (ARMs) to make sure borrowers get clear, easy-to-understand details before signing up. This helps people know how their ARM rates might change over time. If you’re a lender or borrower, watch out for the comment deadline on November 24, 2026—your feedback matters!
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Pre-loan ARM disclosure for borrowers
If you apply for an FHA-insured adjustable rate mortgage (ARM), the lender must give you a written pre-loan disclosure that explains the ARM loan features before you sign. HUD collects that pre-loan ARM disclosure as part of the origination case binder.
Annual ARM adjustment notice timing
If you have an adjustable rate mortgage, your loan servicer must provide an annual ARM Disclosure Notice at least 25 days before any adjustment to your monthly payment may occur, telling you the new interest rate, the new monthly payment, the index value, and how the adjustment was calculated.
HUD collection imposes lender burden
HUD is extending this information collection on lenders. The respondents are lenders; HUD estimates 60,609 respondents and 60,609 responses (one per FHA-insured adjustable rate loan), with an average of 0.05 hours per response and total estimated burden of 3,030 hours.
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Key Dates
Department and Agencies
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