Cenlar Government Shutdown Update – Oct. 8, 2025

Cenlar is closely monitoring the federal government shutdown and continues to be prepared for resulting impacts to homeowners, as well as servicing operations.

Forbearances and Loss Mitigation

Making sure that homeowners receive the help they need is our first concern. For homeowners affected by the shutdown who are requesting forbearance, we are following the same process we use for natural disasters. Agency direction for affected loans will follow our plan code matrix.

The loan code for homeowners affected by the shutdown is GSD (Government Shutdown).

To date, we have received guidance from FNMA, FHLMC, FHA and the Mortgage Partnership Finance Program (MPF). This guidance is going through our Regulatory Change Management process. We are still waiting for direction from VA and USDA.

Other Government-Dependent Functions
We continue to assess the impacts to government-dependent functions, such as flood certifications, and adjust our processes accordingly.

We will continue to communicate with you as more information becomes available.

As always, please reach out to your client manager with any questions.

Thank you.