Guild Mortgage Review for Protecting a Non-Borrowing Spouse

The research in brief

Guild Mortgage is a mixed-to-good fit for a non-borrowing spouse protection reverse mortgage, depending on how much documented specialization the buyer requires. Three of seven platforms named Guild during the ranking stage, at an average listed rank of 6.7 and a best rank of 2. The strongest reason to consider Guild is that it offers FHA-insured HECM products and absorbed a top-10 HECM originator's reverse-mortgage division through its 2023 Cherry Creek acquisition. The main limitation is that no reviewed public source documents Guild's specific non-borrowing spouse documentation workflow, loan-officer training, or HECM pricing, so the buyer must verify compliance handling in writing before applying.

Research Snapshot

Why Guild Mortgage Qualified for This Study

Questions explored

• Is Guild Mortgage a good choice for a non-borrowing spouse protection reverse mortgage?
• Does Guild Mortgage publicly document HECM non-borrowing spouse compliance procedures?

Guild qualified because it publicly lists reverse mortgages and HECM products, which is the minimum threshold for this use case. Guild publicly lists reverse mortgages among its mortgage products ^[18], and describes HECM as a federally insured reverse mortgage while discussing costs and eligibility at a general level ^[15]. Guild's reverse-mortgage site states that HECM loans are only available through FHA-approved lenders and that loan amounts are based on the youngest borrower's or eligible non-borrowing spouse's age ^[19].

Guild also carries reverse-mortgage operational history. Guild acquired reverse mortgage operations from Cherry Creek Mortgage in 2023, and Cherry Creek ranked among the nation's top 10 HECM originators ^[9]. A Guild executive with a reverse mortgage background joined to expand the division ^[9]. Independent coverage lists Guild as a top pick for reverse mortgages ^[35] and reports Guild lends nationwide except New York ^[32].

That combination — product availability plus acquired HECM volume — is why three platforms surfaced Guild for a mixed-age couple scenario. It is not evidence of specialized non-borrowing spouse expertise, which no reviewed source documents.

The mortgage offering in focus

Questions explored

• Which Guild Mortgage reverse mortgage product applies to a couple where one spouse is under 62?
• Does Guild Mortgage offer a proprietary jumbo reverse mortgage for a spouse under 62, and does it carry HUD non-borrowing spouse protections?

The relevant product is the FHA-insured HECM, distributed through Guild's Flex Payment Mortgage suite. Guild says Flex Payment Mortgages are its reverse mortgage suite and include FHA-insured HECMs ^[17]. Guild offers Flex Payment HECM reverse mortgage products ^[16] and both fixed-rate and adjustable-rate HECM products ^[16], with adjustable-rate HECMs offering payment options and future draws ^[16]. Guild's press release reiterates Flex Payment Mortgage details, spouse-related age rules, and borrower obligations ^[14].

Platforms named the relevant plan inconsistently. OpenAI described it as a "Home Equity Conversion Mortgage (HECM) reverse mortgage with HUD-compliant eligible non-borrowing spouse documentation and deferral handling." DeepSeek and Grok used "HECM with Non-Borrowing Spouse Compliance." No reviewed source verifies that Guild markets a distinct product by that name; treat those labels as platform descriptions of the HECM structure, not Guild product names.

Guild also offers a proprietary jumbo reverse mortgage program that allows eligible borrowers as young as 55 to qualify ^[7]. Jumbo reverse mortgages increase maximum loan limits and lower the age requirement but lack standard federal FHA protections ^[29]. That distinction matters here: HUD's non-borrowing spouse deferral framework attaches to FHA-insured HECMs, so a proprietary jumbo is not a substitute for the protection this buyer needs unless Guild documents equivalent contractual terms.

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree Guild Mortgage offers for a mixed-age couple HECM?
• Do all HECM lenders apply the same non-borrowing spouse rules regardless of lender?

Platforms agreed on three points: Guild offers FHA-insured HECM products, HUD rules govern non-borrowing spouse treatment, and the younger spouse's age reduces proceeds.

On product availability, agreement was strong. OpenAI, Anthropic, Grok, Perplexity, and Google all cited Guild materials describing HECM or Flex Payment products ^[18]. Guild states HECM borrowers are generally 62+, with a note that in some states only one borrower must be 62 and Texas requires both borrowers to be over 62 ^[16].

On the regulatory framework, agreement was unanimous across platforms that addressed it. HUD permits deferral of due-and-payable status for qualifying eligible non-borrowing spouses subject to HUD requirements and continuing obligations ^[21]. HUD guidance defines non-borrowing spouse requirements and documentation concepts for HECM deferral protection ^[23] and requires identification and treatment of eligible or ineligible non-borrowing spouses in HECM documents and disclosures ^[22]. Mortgagees must obtain certification from each borrower and non-borrowing spouse at closing ^[41] and must disclose the proceeds available if an ineligible non-borrowing spouse were eligible ^[41].

On proceeds impact, agreement was unanimous. HUD states HECM proceeds depend in part on the age of the youngest borrower or eligible non-borrowing spouse ^[20], and CFPB states the HECM principal limit is calculated using that same age ^[12]. Independent sources repeat the rule ^[46]. Including a younger eligible non-borrowing spouse therefore generally reduces available proceeds compared with an application based only on the older spouse's age.

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Did any AI platform confirm Guild Mortgage has specialized non-borrowing spouse expertise?
• How do AI platforms rate Guild Mortgage's overall fit for non-borrowing spouse protection?

Fit ratings diverged. Anthropic and Google rated Guild "good." OpenAI and Perplexity rated it "mixed." DeepSeek, Grok, and Kimi rated it "uncertain." No platform rated it poor, and no platform produced verified evidence of a dedicated non-borrowing spouse program.

The disagreement centers on transparency, not product availability. Anthropic found Guild's publicly available materials do not specify procedures for identifying eligible versus ineligible non-borrowing spouses, disclosure of deferral protections, certification requirements, or proof of principal limit calculations that account for younger spouse age. OpenAI reached the same conclusion, noting Guild's public materials describe HECM generally but do not verify a distinct non-borrowing spouse workflow. Grok reported no direct Guild non-borrowing spouse content located despite targeted searches. Kimi found no independently verifiable evidence documenting Guild's procedures, training, or track record for identifying, disclosing, and documenting eligible non-borrowing spouses.

Two platforms raised sourcing problems. DeepSeek's official website retrieval failed during ranking, so it could not verify Guild's identity or product offering details, and its research date was 2026-05-20 rather than the run date. The deterministic identity audit also notes official-site retrieval failed for one or more mentions and that identity used an exact-name fallback, which remains unverified.

Platforms also disagreed on pricing characterization. Google reported high pricing confidence and cited Money's September 2026 recognition of Guild as "Best for Low Rates" among reverse mortgage companies ^[31]. Anthropic reported low pricing confidence and cited 2024 HMDA data showing Guild's average origination fee was $3,928 and average total loan costs $8,061, above a reviewed lender average of $6,861 ^[42]. These are not necessarily contradictory — one is a rate ranking, the other a cost average — but neither is Guild-specific HECM pricing for a non-borrowing spouse file.

Mortgage features for this borrowing need

Questions explored

• How does including an under-62 spouse change Guild Mortgage HECM proceeds?
• Can a surviving non-borrowing spouse draw funds from a Guild Mortgage HECM line of credit?

The core capability is the standard HECM structure, which recognizes an eligible non-borrowing spouse in principal limit calculations. Guild's materials acknowledge that HECM loan amounts are based on the youngest borrower's or eligible non-borrowing spouse's age ^[19]. Guild also states that a younger spouse or occupant may be able to participate in the program in some states ^[15].

Protection scope is narrower than many buyers assume. CFPB states an eligible non-borrowing spouse may remain in the home under HUD rules but does not receive reverse-mortgage proceeds, and an ineligible spouse may need to repay the loan to remain ^[11]. Kimi reported that an eligible non-borrowing spouse cannot access additional reverse mortgage funds after the borrowing spouse dies — monthly payments cease, line of credit access ends, and LESA accounts cannot be accessed ^[40]. Google reported the same restriction ^[31]. CNBC states that for Guild reverse mortgages, principal and interest are due when the last surviving borrower or eligible spouse sells, moves, or dies ^[33].

Ongoing obligations apply. HECM borrowers must maintain the home as a principal residence and remain current on property taxes, homeowners insurance, and other required property charges ^[10]. Guild states the borrower must keep the home as the principal residence, pay taxes and insurance, maintain the home, and comply with loan terms ^[16].

Geographic limits are material. Guild's reverse mortgages are not available in New York ^[32]. In Texas, state rules require both spouses to be at least 62 for a HECM, which precludes an under-62 non-borrowing spouse structure there ^[16]. Massachusetts lists Guild Mortgage Company LLC as an approved HECM and proprietary reverse lender ^[43].

Rates, fees, and ongoing costs

Questions explored

• How much does a Guild Mortgage HECM cost, and are Guild-specific fees published?
• What ongoing costs and contract terms apply to a Guild Mortgage HECM with a non-borrowing spouse?

Guild-specific HECM pricing was not verified in any reviewed public source. Guild does not publish interest rates online ^[44], and no retrieved source confirmed Guild's reverse-mortgage origination fee, margin, servicing fee, counseling fee pass-throughs, or closing costs for this use case.

Standard HECM cost components are documented by federal sources. The HECM origination fee is generally limited by HUD rules, and CFPB states it may not exceed $6,000 ^[10]. Costs include an initial FHA mortgage insurance premium, third-party closing costs such as appraisal, title, recording, inspection, and mortgage taxes where applicable, ongoing interest, and an annual mortgage insurance premium that CFPB states is 0.5% of the outstanding mortgage balance ^[10]. Property taxes, homeowners insurance, flood insurance where applicable, HOA or condominium charges, and other required property charges also apply ^[10].

Guild-specific cost data points are limited and not HECM-specific. LendingTree reported Guild's average origination fee was $3,928 and average total loan costs $8,061 in 2024 ^[42]. Anthropic reported Guild's 2024 average total loan costs exceeded a reviewed lender average of $6,861. Guild educational materials describe closing costs typically 2% to 5% of home value ^[42]. These figures cover Guild's mortgage products broadly and should not be treated as a HECM quote.

Contract terms reported by platforms, not verified by Guild. Anthropic reported a 120-day rate lock with a $1,500 fee and a 17-day closing guarantee with $500 toward closing costs if Guild fails to close on time. Kimi reported a three-business-day right of rescission after closing and that an eligible non-borrowing spouse may request foreclosure delay up to 180 days if actively selling the property or satisfying debt. These terms are platform-reported and require written confirmation from Guild.

Best Suited For

Questions explored

• Who is Guild Mortgage best suited for in a non-borrowing spouse reverse mortgage?
• Is Guild Mortgage a good fit for a couple that wants a national lender with local loan officer support?

Guild is best suited for married homeowners who want a mainstream FHA-insured HECM from a large national lender and are willing to verify the assigned loan officer's non-borrowing spouse experience themselves. Guild operates in 49 states and Washington D.C., excluding New York ^[32], and independent coverage reports approximately 740 branches nationwide ^[32].

It also fits buyers who value service reputation. Guild ranked above average on J.D. Power mortgage servicer surveys and came in second in servicer surveys ^[32], holds an A+ rating from the Better Business Bureau ^[32], and is noted for customer service experience ^[36]. Guild requires applicants to speak with a loan officer to begin prequalification ^[28] and does not offer online prequalification with a soft credit inquiry ^[42].

It fits couples who accept reduced proceeds. Because the principal limit uses the younger spouse's age ^[20], a couple with an under-62 spouse should expect lower available proceeds than an application based only on the older spouse's age.

Probably Not Best Suited For

Questions explored

• Who should not choose Guild Mortgage for non-borrowing spouse protection?
• Is Guild Mortgage unsuitable for buyers who need published non-borrowing spouse procedures before applying?

Buyers who require demonstrable specialist expertise in non-borrowing spouse deferral cases should look elsewhere or demand proof first. No reviewed source documents a dedicated Guild non-borrowing spouse program, specialist team, or published compliance checklist.

Buyers who need transparent published pricing before contacting a lender will find Guild a poor fit. Guild does not publish interest rates online ^[44], does not provide specific details about its prequalification process ^[42], and does not disclose a minimum equity threshold online ^[34]. Pricing requires a loan officer conversation.

Buyers in New York cannot use Guild for this product ^[32]. Couples in Texas with an under-62 spouse are also excluded, because Texas requires both borrowers to be over 62 for a HECM ^[16].

Buyers who need the surviving spouse to keep drawing funds should not choose any HECM for this purpose. An eligible non-borrowing spouse cannot access additional reverse mortgage funds after the borrowing spouse dies ^[40].

When Another Option May Be Better

Questions explored

• When is a different lender better than Guild Mortgage for a non-borrowing spouse HECM?
• Should a couple wait until both spouses are 62 instead of using a Guild Mortgage HECM now?

Another option may be better when the buyer's central criterion is documented non-borrowing spouse specialization. OpenAI recommended choosing a lender or specialist reverse-mortgage broker with documented recent HECM volume, named non-borrowing spouse procedures, and an experienced HECM loan officer when spouse protection is the central decision criterion. Grok recommended considering lenders with published non-borrowing spouse resources, training, or case studies. Kimi recommended comparing with lenders who can demonstrate proven specialization in mixed-age couple HECM originations.

Another option may be better when pricing comparison matters. OpenAI recommended comparing at least two written HECM offers when proceeds, rate margins, servicing fees, or closing costs differ materially. Perplexity recommended alternatives when the buyer needs firm upfront fee quotations and detailed scenario modeling before application.

Another option may be better when both spouses meet the age requirement. OpenAI noted a HECM with both spouses as co-borrowers may be preferable if both meet the age requirement and preserving the younger spouse's occupancy protection as a borrower matters more than maximizing initial proceeds, subject to confirmation with a HUD-approved counselor. Kimi noted couples who prioritize maximum proceeds can consider waiting until both spouses reach 62.

Non-reverse-mortgage alternatives may be better in some cases. OpenAI noted considering non-reverse-mortgage alternatives when the couple cannot reliably maintain property charges or when preserving home equity for heirs is a primary objective. Kimi noted home equity access needs can be met with lower-cost alternatives like HELOCs without age-based restrictions. The Federal Reserve guidance cited by Kimi states institutions should provide information about costs, terms, features, and risks, and that consumers may not receive sufficient information about alternatives such as HELOCs, sale-leaseback, or public benefits ^[37].

Questions to ask before choosing a lender

Questions explored

• What should a buyer confirm with Guild Mortgage before signing a non-borrowing spouse HECM contract?
• What documentation does Guild Mortgage require to establish eligible non-borrowing spouse status?

Confirm these items in writing before applying:

1. Is Guild currently originating FHA-insured HECMs in the property state, and is the assigned loan officer personally experienced with eligible non-borrowing spouse files?
2. Will Guild identify the younger spouse as an eligible non-borrowing spouse in all required HECM documents and underwriting records, consistent with HUD requirements ^[22]?
3. What exact documents will Guild require to establish marriage, principal residence, age, title or occupancy status, and eligibility?
4. How will Guild calculate proceeds using the younger spouse's age, and what would proceeds be with and without the spouse treated as eligible ^[20]?
5. Will Guild provide the disclosure of proceeds that would have been available if an ineligible non-borrowing spouse were eligible ^[41]?
6. What events could terminate or suspend deferral protection, including extended absence, remarriage, title changes, divorce, failure to occupy, or unpaid property charges ^[21]?
7. Who will service the loan after closing, and what is the written process and deadline for reporting the borrower's death, healthcare-facility move, or other triggering event?
8. What are the initial interest rate, expected rate, margin, payment option, origination fee, servicing fee, appraisal and closing costs, mortgage-insurance costs, and any lender credits?
9. Will Guild provide a written Good Faith Estimate or comparable disclosure showing all upfront and projected ongoing costs?
10. What happens if Guild sells or transfers servicing, and how will the eligible non-borrowing spouse's status be preserved in transferred records?
11. Has a HUD-approved counselor reviewed the proposed structure and confirmed the spouse's likely eligibility independently of Guild ^[21]?

The consensus assessment

Mixed fit, contingent on verification. Guild Mortgage is a plausible HECM source for a non-borrowing spouse protection reverse mortgage because it offers FHA-insured HECM products and absorbed a top-10 HECM originator's reverse-mortgage division. It is not a demonstrably specialist choice based on the public evidence reviewed.

Three of seven platforms named Guild during ranking, at an average listed rank of 6.67 and a best rank of 2. Fit ratings split: two platforms rated it good, two mixed, and three uncertain. No platform produced verified evidence of a dedicated Guild non-borrowing spouse program, published compliance workflow, loan-officer training standard, or HECM-specific pricing.

The buyer's decision should rest on written answers, not brand. Guild should be considered only after it supplies written confirmation of current HECM availability in the property state, the assigned officer's relevant experience, exact spouse-documentation procedures, projected proceeds using the younger spouse's age, servicing responsibilities, and complete costs. Buyers who need published specialization before applying should compare against lenders that document it.

How This Review Was Produced

This review evaluates Guild Mortgage only for the non-borrowing spouse protection reverse mortgage use case. It is not a broad company review. Seven AI platforms were asked which providers they would recommend for a married couple where only one spouse meets the HECM minimum age and the younger spouse would not be a co-borrower. Three platforms named Guild during the ranking stage. All seven platforms produced fit research on Guild, and their responses, citations, and stated uncertainties form the evidence base.

Platforms evaluated fit but only three named Guild during ranking discovery, so the mention count and the fit-research count differ. Fit ratings were recorded as: Claude good, Gemini good, ChatGPT mixed, Perplexity mixed, DeepSeek uncertain, Grok uncertain, Kimi uncertain. No platform reported personal testing, customer experience, or independent verification of Guild's internal processes.

Research limitations

Platform-reported research dates differ from the authoritative run date of 2026-09-29. DeepSeek's research date was 2026-05-20; all other platforms reported 2026-09-29. Platform-reported dates are provenance metadata and do not independently prove freshness.

DeepSeek ran with search disabled, so its findings are model-reported rather than retrieval-backed. Its official website retrieval also failed during ranking, leaving Guild's identity and product offering details unverified in that response.

The deterministic identity audit notes official-site retrieval failed for one or more mentions and that identity used an exact-name fallback, which remains unverified. The supplied URLs were collected from platform responses and were not independently validated by the writer stage. Citations are platform-reported evidence, not independently verified facts.

Guild-specific HECM pricing, contract terms, servicing fees, and non-borrowing spouse procedures were not publicly verified in any reviewed source. Standard HECM cost and eligibility information comes from CFPB, HUD, and the eCFR rather than from Guild. Where a claim rests only on a platform's assertion without a retrieved source, it is labeled platform-reported in the text.

Eligibility rules and documentation requirements can depend on the HECM case date and current HUD guidance. Buyers should obtain current written confirmation rather than relying on this review.

See the broader Protecting a Non-Borrowing Spouse consensus index for comparisons across qualified options.

Explore more reverse mortgage lenders guidance in the category directory.

Sources

Company-Owned Sources

1. Hilary Pruitt, Loan Officer, NMLS ID #284043: https://branches.guildmortgage.com/co/greenwoodvlg/hilary-pruitt-790-chhp.html
2. Guild Mortgage Official Website: https://guildmortgage.com/
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9. Press Release: Guild Mortgage Expands Its Reverse Mortgage Business: https://www.businesswire.com/news/home/20230317005279/en
10. How Much Does a Reverse Mortgage Loan Cost?: https://www.consumerfinance.gov/ask-cfpb/how-much-does-a-reverse-mortgage-loan-cost-en-237/
11. What Happens to My Reverse Mortgage When I Die?: https://www.consumerfinance.gov/ask-cfpb/what-happens-to-my-reverse-mortgage-when-i-die-en-2096/
12. Reverse Mortgage Key Terms: https://www.consumerfinance.gov/consumer-tools/reverse-mortgages/answers/key-terms/
13. The non-borrowing spouse's guide to a reverse mortgage | FOA: https://www.financeofamerica.com/education/non-borrowing-spouse-guide/
14. Guild Mortgage Introduces Flex Payment Mortgages: https://www.guildmortgage.com/about-us/news/press-release/guild-mortgage-introduces-flex-payment-mortgages/
15. Reverse Mortgage Answers: Unlocking Your Home's Value: https://www.guildmortgage.com/blog/unlocking-your-homes-value-the-basics-of-how-reverse-mortgages-work/
16. Pros and cons of a reverse mortgage | Guild Mortgage: https://www.guildmortgage.com/blog/what-are-the-pros-and-cons-of-a-reverse-mortgage/
17. Flex Payment Mortgage: https://www.guildmortgage.com/mortgage-loans/flex-payment-mortgage/
18. Switch to Guild - Central Region: https://www.guildmortgage.com/switchtoguild/central-region/
19. Reverse mortgages vs hecm loans - Guild Mortgage Reverse: https://www.guildmortgagereverse.com/education/reverse-mortgages-vs-hecm-loans/
20. FHA Reverse Mortgage for Seniors (HECM: https://www.hud.gov/hud-partners/single-family-hecmhome
21. HUD Housing Counseling Handbook 7610.1, March 2026: https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf
22. HECM Program Policy Guidance for Eligible and Ineligible Non-Borrowing Spouses: https://www.hud.gov/sites/documents/15-02ml.pdf
23. Mortgagee Letter 2015-15: Non-Borrowing Spouse Requirements: https://www.hud.gov/sites/documents/15-15ml.pdf

Independent Sources

24. HECM Non-Borrowing Spouse | 24 CFR 206.55 Explained: https://clearmoneyguide.com/hecm-non-borrowing-spouse/
25. Preparing HECM Non-Borrowing Spouses: https://hecmworld.com/2024/09/24/blog-preparing-hecm-non-borrowing-spouses/
26. MLO Mentor: The eligible non-borrowing spouse | firsttuesday Journal: https://journal.firsttuesday.us/mlo-mentor-the-eligible-non-borrowing-spouse/81916/
27. Clarifying Non-Borrowing Spouse Guidelines - REVERSE plus: https://reverseplus.com/2025/11/18/clarifying-non-borrowing-spouse-guidelines/
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29. What Is a Jumbo Reverse Mortgage? - Consumer Affairs: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE2GFDhqBwI9llzRiXqhpan_MStg6imdGMaBMHcCx80uvsXP46SfEEEnWIgEEI2OBcyyIpF5BPSDtZBp2qviDIoc11dFHX5fZcDQhvc8xP3LthQkPmj7diStNZ8mdiN2kKO1uzW7eU6WXW5eEefYZJAljTySvWAjUpX4jApW3pH51mV6g==
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35. Guild Mortgage review 2026: https://www.cnbc.com/select/guild-mortgage-review/
36. What is a HECM and how does it work?: https://www.cnbc.com/select/what-is-a-hecm-and-how-does-it-work/
37. Reverse Mortgage Products: Guidance for Managing Compliance and Reputation Risks: https://www.federalreserve.gov/frrs/guidance/reverse-mortgage-products-guidance-for-managing-compliance-and-reputation-risks.htm
38. Important Steps When One Spouse Is Too Young for a Reverse Mortgage | The HECM Coach: https://www.hecmcoach.com/when-a-spouse-is-too-young-for-a-reverse-mortgage/
39. Guild’s Jim Cory on the company’s ambitious reverse mortgage rebrand: https://www.housingwire.com/articles/guilds-jim-cory-on-the-companys-ambitious-reverse-mortgage-rebrand/
40. Reverse Mortgage: Could Your Surviving Spouse Lose the House?: https://www.investopedia.com/reverse-mortgage-could-widow-lose-the-house-5223466
41. 24 CFR § 206.59 - Obligations of mortgagee: https://www.law.cornell.edu/cfr/text/24/206.59
42. Guild Mortgage Review 2026 | LendingTree: https://www.lendingtree.com/home/mortgage/guild-mortgage-review/
43. Approved reverse mortgage lenders and loan programs - Mass.gov: https://www.mass.gov/info-details/approved-reverse-mortgage-lenders-and-loan-programs
44. Guild Mortgage Review 2026 - NerdWallet: https://www.nerdwallet.com/mortgages/reviews/guild-mortgage
45. What is a non-borrowing spouse on a reverse mortgage? | Ask Jay | Reverse Mortgage Coach: https://www.reversemortgage.coach/ask-jay/non-borrowing-spouse-reverse-mortgage
46. Reverse Mortgages and Non-Borrowing Spouses: A Case of Unintended Consequences?: https://www.summitllc.us/blog/reverse-mortgages-and-non-borrowing-spouses-a-case-of-unintended-consequences

Other Sources

47. eCFR :: 24 CFR Part 206 Subpart B - Deferral of Due and Payable Status: https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B/subject-group-ECFR4e14d7dc08e86a6