FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. TITLE II INSURED HOUSING PROGRAMS FORWARD MORTGAGES > 1. Servicing of FHA-Insured Mortgages — i. Mortgage Insurance Premium Remittance
Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. TITLE II INSURED HOUSING PROGRAMS FORWARD MORTGAGES > 1. Servicing of FHA-Insured Mortgages — i. Mortgage Insurance Premium Remittance — each quote is a verified
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FHA Single Family Housing Policy Handbook 4000.1, Part III — i. Mortgage Insurance Premium Remittance (03/31/2022)
Effective 2022-03-31 · publisher's stamp for this provision
i. Mortgage Insurance Premium Remittance (03/31/2022) i. Definition Annual or Periodic MIPs are those MIPs that are remitted to HUD each month. ii. Standard The Mortgagee must remit one-twelfth of the annual MIPs each month to HUD, regardless of whether it was received from the Borrower. The Mortgagee can access the Advance Premium Notice and case-level billing information in FHAC to determine monthly collections of MIPs. The Mortgagee must remit MIPs in accordance with the original amortization schedule. MIPs accrue from the beginning of amortization, without regard to what time frame exists between endorsement and the beginning of amortization and without regard to any Partial Prepayments, Delinquent payments, agreements to postpone payments, or agreements to recast the Mortgage. For refinances, the Mortgagee must remit MIPs on the Mortgage being paid off through the month in which that Mortgage is paid in full. iii. Mortgage Insurance Premium Reports (A) Use of FHA Connection or Alternate Report Retrieval Process The Mortgagee can access the Advance Premium Notice and case-level billing information in FHAC or through the Alternate Report Retrieval process to determine monthly collections of MIPs after endorsement. (B) Reports after Transfer or Sale If, 90 Days after acquisition, a transferred or sold Mortgage has not appeared on HUD’s monthly MIP report to the Transferee Servicing Mortgagee or Purchasing Mortgage Holder, that Mortgagee must ensure that the Servicer/Holder Transfer is completed in FHAC or through EDI or B2G.
Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09
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