FHA issued Mortgagee Letter 2025-19 eliminating pre-endorsement inspection requirements for properties located in Presidentially-Declared Major Disaster Areas (PDMDAs). Per the Mortgagee Letter (ML), FHA eliminated pre-endorsement PDMDA inspection requirements to allow mortgagees flexibility in the selection of appropriate risk-based actions regarding disasters. Also, the elimination of pre-endorsement inspection requirements for properties located in a PDMDA required removal of Inspection and Repair Escrow Requirements for Mortgages Pending Closing or Endorsement in Presidentially-Declared Major Disaster Areas (II.A.7.c) in HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook (Handbook 4000.1)  and replacing it with Properties Located in a Presidentially-Declared Major Disaster Areas before Endorsement. The provisions of this ML went into effect June 27, 2025.

Click to view the FHA Mortgagee Letter 2025-19: https://www.tenaco.com/wp-content/uploads/2025/07/FHA-Mortgagee-Letter-2025-19-06-27-25.pdf