No clue. I have seen some forums where property owners have claimed to receive payoff demands and or foreclosure notices on properties that the loans were current yet, conditions were not met (Due on sale, owner occupied, etc). HUD seems to be auditing quite a bit. You would think that they would be looking only to the delinquent accounts but, apparently not. When in doubt, you may want to contact your lender (Especially if FDIC insured or FHA-HUD and conditions of the loan are not being met). If they contact you first about the issue, it may be too late to fix. Good luck.