HUD Handbook 4000.1 III.A.2.k — Loss Mitigation Incentives and Title Reimbursement

hud-4000-1-iii-a-2-k

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.k. See obligation entries for operative requirements and verbatim primary-source citations.

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source:
  type: regulation
  id: hud-4000-1-iii-a-2-k
  authority: HUD Handbook 4000.1 III.A.2.k — Loss Mitigation Incentives and Title Reimbursement
  description: |
    HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.k.
    See obligation entries for operative requirements and verbatim
    primary-source citations.
obligations:
  - id: hud-4000-1-iii-a-2-k-incentive-claim-60-day-filing
    canonical_id: hud-4000-1-iii-a-2-k-incentive-claim-60-day-filing
    section: HUD Handbook 4000.1 III.A.2.k.i — Loss Mitigation Incentives, 60-Day Claim Window
    description: |
      For [LENDER] to claim an incentive for completion of a permanent Loss
      Mitigation Option, the correct and complete claim must be submitted
      to HUD within 60 Days of the execution date of the Permanent Home
      Retention Option or Home Disposition Option.
    type: do
    audit_question: For every incentive claim filed for a permanent FHA Loss Mitigation Option, can [LENDER] evidence that the correct and complete claim was submitted to HUD within 60 Days of the execution date of the option?
    program_review: Do the P&Ps ensure a correct and complete incentive claim for a permanent Home Retention/Disposition Option is submitted to HUD within 60 Days of the option's execution date?
    file_review: Pull permanent-option incentive claims; confirm correct-and-complete submission within 60 Days of the execution date.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: claims_specialist
    cadence: per-loss-mit-completion
    consequence: Incentive denial — failure to submit within 60 Days disqualifies the claim for the incentive payment.
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - loss-mitigation
      - incentive-claim
      - 60-day-filing
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.k.i — Loss Mitigation Incentives
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
      snapshot_id: 8c03836f77f317e1
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
      paragraph_quote: '• the correct and complete claim is submitted to HUD within 60 Days of the '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.k.i) at 2026-05-23.
    promoted_at: '2026-05-23T00:47:03+00:00'
    promoted_from: hud-4000-1-iii-a-2-k-roundb-v1.yaml
  - id: hud-4000-1-iii-a-2-k-title-reimbursement-120-day-filing
    canonical_id: hud-4000-1-iii-a-2-k-title-reimbursement-120-day-filing
    section: HUD Handbook 4000.1 III.A.2.k.ii — Reimbursement for Loan Modification Title Search and Recordation
    description: |
      For [LENDER] to claim the up-to-$250 reimbursement for fees associated
      with title search, title policy, and/or recordation on an executed
      Loan Modification, the correct and complete claim for $250 must be
      submitted to HUD within 120 Days of the execution date of the Loan
      Modification (or Loan Modification as part of a Combination Loan
      Modification and Partial Claim).
    type: do
    audit_question: For every title-search / title-policy / recordation reimbursement claim filed on a Loan Modification, can [LENDER] evidence submission of a correct and complete claim to HUD within 120 Days of the Loan Modification execution date?
    program_review: Do the P&Ps ensure the up-to-$250 title-search/title-policy/recordation reimbursement claim on an executed Loan Modification is submitted to HUD within 120 Days of the Loan Modification execution date?
    file_review: Pull title-reimbursement claims; confirm correct-and-complete $250 submission within 120 Days of the Loan Modification execution date.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: claims_specialist
    cadence: per-loan-modification-execution
    consequence: Reimbursement denial — failure to submit within 120 Days disqualifies the claim for the $250 reimbursement.
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - loss-mitigation
      - title-reimbursement
      - 120-day-filing
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.k.ii — Reimbursement for Loan Modification Title Search and Recordation
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
      snapshot_id: 8c03836f77f317e1
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
      paragraph_quote: '• the correct and complete claim for $250 is submitted to HUD within 120 Days of '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.k.ii) at 2026-05-23.
    promoted_at: '2026-05-23T00:47:03+00:00'
    promoted_from: hud-4000-1-iii-a-2-k-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:47:03+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-2-k-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from HUD Handbook 4000.1 III.A.2.k — Loss Mitigation Incentives and Title Reimbursement — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

HUD Handbook 4000.1 III.A.2.k.i — Loss Mitigation Incentives, 60-Day Claim Window

• the correct and complete claim is submitted to HUD within 60 Days of the

Source: HUD Handbook 4000.1 III.A.2.k.i — Loss Mitigation Incentives · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.2.k.ii — Reimbursement for Loan Modification Title Search and Recordation

• the correct and complete claim for $250 is submitted to HUD within 120 Days of

Source: HUD Handbook 4000.1 III.A.2.k.ii — Reimbursement for Loan Modification Title Search and Recordation · source URL · snapshot 8c03836f77f317e1