Sounds like it reconveyed from HUD. That's why it took 4 months.
I believe HUD has probably had enough of the properties not being in conveyance condition, with that said an increase in reconveys would get the point across to mortgagees to get qualified parties to complete the work and complete the work properly.
HUD has the scheduled reimbursements, this is a reimbursement that the mortgagees should receive max per the work performed, it should have no bearing on what a contractor charges for work performed. Sensibility suggests that the mortgagees should pay for the services performed and if they are taking a hit on the HUD reimbursement that is just a hit they should take for writing a bad loan.
With mortgagees failure to have any oversight into the multiple tiered contracting in which there is no money at the bottom to those performing labor and providing materials. While properties are being conveyed, they are not in conveyance condition. Conveyance Condition is clearly established through the various mortgagees letters that some parties receiving little to no money for working do not even no exist.
The next establishment in the matters is that in the Mortgagee Letters it clearly states that the mortgagee is held responsible for all actions of any party in contracts to which includes the "Nationals", with this said there should be more incentive from the Mortgagee perspective to go direct to local contractors whom know what conveyance condition is, how to achieve conveyance condition, and how to perform the work properly.
All these "Nationals" have no idea what the term conveyance condition even means they are in it for a quick profit at the expense of the Mortgagee, the laborer, and the US Tax Payer.
As soon as a large national gets a large enough mortgagee bit hard enough because of their failures to perform due diligence and adhere to the Federal Government requirements for the Conveyance of properties per guidelines maybe the point will get across.
I could personally list off hundreds upon hundreds of properties that should never have been conveyed, properties I marked off as not in conveyance condition and in most instances requiring substantial investment from the Mortgagees due to what is referred to as Mortgagee Neglect.
If a property had a proper Initial Secure (which in my opinion is an extremely rare trade in its own which I specialize in) the property is then already in conveyance condition without the requirement to perform any work other then seasonal items such as grass cuts or wints. (Also if required major preventive services such as emergency roof repairs)
The problem being that few if any understand conveyance condition, a property can be conveyed with debris and personals, and other allowables remaining as long as they are documented along with all other issues upon initial secure.
Now the Nationals get greedy, do not bother to get qualified contractors to perform their initials secures so that the property can be conveyed immediately, the reason they do this is so they can milk the allowable until its gone. Problem being after that is in those time frames a lot can happen to cause mortgagee neglect such as flooding etc.
Bottom line its a system built on greed with very few contractors out there properly performing to the guidelines as established for FHA insurances, and the same issue with the higher end "prime contractors" commonly referred to as "Nationals".
Maybe a banking exec will read this over the weekend and just realize there mistakes, send the BOTG the work direct as there is no difference in the BOTG getting the work performed and information up the ladder. The only difference that will be seen is qualified contractors performing work properly with payments issued on time and properly, with less reconveyances and costs to the mortgagees, and ultimately less expense to the US tax payer as uncessary damages will not be being reimbursed by the FHA / HUD insurance funds.