Partial Claim
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A partial claim is an FHA loss-mitigation option that moves past-due mortgage payments into a separate, interest-free second loan you repay only when you sell, refinance, or pay off the first mortgage.
What Partial Claim means
When an FHA borrower falls behind but can resume regular payments, the lender can advance the overdue amount on behalf of HUD. That advance becomes a zero-interest subordinate lien, so your monthly payment goes back to normal instead of ballooning with catch-up amounts. Nothing is due on the partial claim until the loan ends.
Florida example
A Tampa homeowner who missed four payments during a job gap got reinstated with a partial claim. The arrears became a $9,800 second lien at 0% interest, due only at sale or payoff, and the borrower's regular FHA payment resumed unchanged.
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