FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (03/31/2022)
FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (03/31/2022).
Verbatim regulatory text
Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (03/31/2022) — 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.
FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (03/31/2022)
d. Communication with Borrowers and Authorized Third Parties (03/31/2022) i. Definition Authorized Third Parties are parties who are not Borrowers on the Mortgage but who are authorized to communicate with Mortgagees regarding a Mortgage. ii. Standard The Mortgagee must provide mortgage information and arrange for individual consultation with the Borrower and/or the Authorized Third Party, upon request by the Borrowers. The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information. iii. Required Documentation If communicating with an Authorized Third Party, the Mortgagee must include documentation of the authorization in the servicing binder: • a copy of a signed authorization from the Borrower; • a copy of a Power of Attorney (POA), order of guardianship, or other documentation authorizing that third party to act on behalf of the Borrower; or • other documentation showing legal authorization to access the Borrower’s records.