Is a hidden HUD Partial Claim waiting to derail your closing?

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Many FHA homeowners who received mortgage relief have a HUD second lien they've forgotten about. It must be paid at sale — and it often surfaces at title, days before closing. Let's find it now.

Identify possible HUD Partial Claim liens early
Know your seller's true net before you list or accept an offer
Protect your timeline and your commission

Kate Deiboldt

Sr. Mortgage Advisor · NMLS #18487 · VanDyk Mortgage Corp. NMLS #3035

Check a listing

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What is a HUD Partial Claim?

The relief

When an FHA borrower falls behind, HUD may pay the past-due amount through a Partial Claim to bring the loan current.

The lien

That amount becomes a 0% interest, no-payment subordinate lien recorded in favor of HUD — a second mortgage many sellers don't remember signing.

The catch

The Partial Claim is due in full when the home is sold or refinanced, reducing your seller's proceeds at closing.

Let's fix the deal