FHA Handbook 4000.1 — Full Verbatim Text
The FHA Single Family Housing Policy Handbook 4000.1 — free, verbatim, and searchable. HUD publishes it as one ~1,000-page PDF; here it is broken into 565 individual sections across Parts I–V, each the regulator’s exact text, always current, with clean section-scoped PDF and spreadsheet downloads.
Looking for a specific requirement — credit, assets, property condition, appraisal, servicing, loss mitigation, claims? Jump to the section below. Every page is the verbatim handbook text, not a summary.
Part I — Doing Business with FHA 88
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 5. Real Estate Brokers — a. Definitions
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 8. Annual Recertification — a. General Requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 2. Types of Approved Mortgagees — a. Supervised Mortgagee PDF
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 1. Types of Program Approvals — a. Title I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 5. Supplemental Mortgagee Authorities — a. Title II Direct Endorsement Authority
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 2. 203(k) Consultants — b. 203(k) Consultant Roster
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 4. Nonprofits and Governmental Entities — b. Application and Approval Process
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 6. Closing Agents — b. Application and Approval Process
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 3. Direct Endorsement Underwriters — b. Direct Endorsement Underwriter Eligibility
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 2. Types of Approved Mortgagees — b. Nonsupervised Mortgagee
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 3. Application and Eligibility Requirements for Approval — b. Online Application
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 8. Annual Recertification — b. Online Certification
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 6. Post-approval Operations — b. Providing Information to FHA
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 7. Title I Property Improvement Dealers (05/09/2022) — b. Standard
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 5. Supplemental Mortgagee Authorities — b. Title II Single Family Lender Insurance Authority
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 4. Branch Offices — c. Managers
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 9. Title I Chattel Appraisers — c. Post-appraisal Requirements
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 4. Nonprofits and Governmental Entities — c. Post-approval Requirements
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 9. Voluntary Withdrawal of FHA Mortgagee Approval (03/27/2019) — c. Reapplication
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 5. Supplemental Mortgagee Authorities — c. Title I Programs
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 5. Real Estate Brokers — d. Annual Recertification
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 2. Types of Approved Mortgagees — d. Investing Mortgagee
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > B. Other Participants > 4. Nonprofits and Governmental Entities — d. Post-approval Requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Renewal (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 5. Supplemental Mortgagee Authorities — d. Title II Multifamily Accelerated Processing Authority
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 8. Annual Recertification — e. Rejection of a Mortgagee’s Recertification Package
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 6. Post-approval Operations — f. Conflicts of Interest
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 7. Post-approval Changes — h. Operating Loss
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 6. Post-approval Operations — j. Use of Contractors
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 6. Post-approval Operations — n. Advertising
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 7. Post-approval Changes — r. Mergers, Acquisitions, and Reorganizations
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
Part II — Origination Through Post-Closing/Endorsement 191
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 2. General Appraiser Requirements (03/19/2025) — 3. Acceptable Reporting Forms and Protocols
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > F. Appraiser and Property Requirements for Title I Loans > 1. Appraiser Qualifications (05/09/2022) — 4. Analysis and Reporting Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > F. Appraiser and Property Requirements for Title I Loans > 7. Reporting Requirements — b. Certification
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - 203(k) Rehabilitation Mortgage Insurance Program (11/10/2026) — a. 203(k) Rehabilitation Mortgage Insurance Program
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands > (11/07/2023) — h. Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- HUD Handbook 4000.1 II.A.1.a
- HUD Handbook 4000.1 Part II.A.1.b
- HUD Handbook 4000.1 II.A.1.b
- HUD Handbook 4000.1 II.A.2
- HUD Handbook 4000.1 II.A.3
- HUD Handbook 4000.1 Part II.A.4
- HUD Handbook 4000.1 Part II.A.5
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 6. Closing — a. Mortgagee Closing Requirements
- HUD Handbook 4000.1 Part II.A.7
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - 203(k) Rehabilitation Mortgage Insurance Program (11/10/2026) — a. 203(k) Rehabilitation Mortgage Insurance Program
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Refinances (11/10/2026) — d. Refinances
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - 203(k) Rehabilitation Mortgage Insurance Program (11/10/2026) — a. 203(k) Rehabilitation Mortgage Insurance Program
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 1. Origination/Processing — a. Applications and Disclosures
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 2. Origination/Processing — a. Applications and Disclosures
- HUD Handbook 4000.1 II.A.1.b
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > C. Condominium Project Approval > 1. Definitions (10/15/2019) — a. Classifications and Ineligible Characteristics
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > C. Condominium Project Approval > 3. Project Approval Submission — a. Condominium Project Approval
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower — a. Credit Requirements (Manual)
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 7. Valuation of Leasehold Interest — a. Definition
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Definitions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 8. Programs and Products - HECM For Purchase (11/10/2026) — a. HECM For Purchase
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 1. Commencement of the Appraisal — a. Information Required before Commencement of Appraisal
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 6. Closing — a. Mortgagee Closing Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 6. Closing — a. Mortgagee Closing Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — a. Origination/Processing
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — a. Origination/Processing
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 4. Valuation and Reporting Protocols — a. Photograph, Exhibits, and Map Requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 3. Underwriting the Property — a. Property Acceptability Criteria
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 4. Underwriting the Property — a. Property Acceptability Criteria
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 1. Origination/Counseling Requirements — a. Required Referral for HECM Counseling
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 11. Programs and Products — a. Section 248 Indian Land Program
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 4. Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL) — a. Underwriting with an Automated Underwriting System
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — b. Allowable Loan Parameters
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — b. Allowable Loan Parameters
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 9. 203(k) Consultant Requirements — b. Consultant Duties
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — b. Credit History Review Requirements PDF
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 4. Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL) — b. Credit Requirements (TOTAL) PDF
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 1. Direct and Dealer Loan Process for Property Improvement Loan Program — b. Dealer Loan
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 3. Direct and Dealer Loan Process for Manufactured Home Loan Program — b. Dealer Loan
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Disasters and 203(h) Mortgage Insurance for Disaster Victims (09/14/2015) — b. Disasters and 203(h) Mortgage Insurance for Disaster Victims
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 2. Origination/Processing — b. General HECM Insurance Eligibility
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 1. Origination/Processing — b. General Mortgage Insurance Eligibility
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 8. Programs and Products - HECM Refinance (04/29/2024) — b. HECM Refinance
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower — b. Income Requirements (Manual)
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 2. Allowable Mortgage Parameters — b. Loan-to-Value Limits PDF
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 3. Allowable Mortgage Parameters — b. Maximum Claim Amount
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — b. Minimum Property Requirements and Minimum Property Standards PDF
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 6. Closing — b. Mortgage and Note
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 6. Closing — b. Mortgage and Note
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 7. Post-closing and Endorsement — b. Mortgagee Pre-endorsement Review Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 7. Post-closing and Endorsement — b. Mortgagee Pre-endorsement Review Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > C. Condominium Project Approval > 2. Project Eligibility — b. Phasing
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 12. Mixed Use One- to Four-Unit Single Family Properties — b. Required Analysis and Reporting
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 3. Underwriting the Property — b. Required Documentation for Underwriting the Property
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 1. Origination/Counseling Requirements — b. Restrictions on Processing of Applications Before Completion of HECM Counseling
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower — c. Asset Requirements (Manual) PDF
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 8. Programs and Products - Condominiums (11/10/2026) — c. Condominiums
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 9. 203(k) Consultant Requirements — c. Consultant Fee Schedule
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 4. Valuation and Reporting Protocols — c. Development of the Market Value
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Energy Efficient Mortgages (04/29/2019) — c. Energy Efficient Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > C. Condominium Project Approval > 2. Project Eligibility — c. General Condominium Project Approval Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — c. Gross Living Area
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 4. Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL) — c. Income Requirements (TOTAL)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 1. Origination/Counseling Requirements — c. Individuals Required to Receive HECM Counseling
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — c. Property Charge Payment History Review Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — c. Property Eligibility
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — c. Property Requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > F. Appraiser and Property Requirements for Title I Loans > 6. Valuation Development – Borrower-Owned Land — c. Required Analysis and Reporting
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 2. Allowable Mortgage Parameters — c. Required Investment
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 11. Programs and Products — c. Standard 203(k) and Limited 203(k) Rehabilitation Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Appliances (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 4. Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL) — d. Asset Requirements (TOTAL)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 1. Origination/Counseling Requirements — d. Certificate of HECM Counseling
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > C. Condominium Project Approval > 2. Project Eligibility — d. Construction Types
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower — d. Final Underwriting Decision (Manual)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 9. 203(k) Consultant Requirements — d. Improvements Standards
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 6. Condominium Projects — d. Manufactured Housing Condominium Projects
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — d. Monthly Expense Analysis
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 3. Allowable Mortgage Parameters — d. Principal Limit
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 7. Post-closing and Endorsement — d. Procedures for Endorsement
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 7. Post-closing and Endorsement — d. Procedures for Endorsement
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > C. Condominium Project Approval > 3. Project Approval Submission — d. Reconsideration of Rejected or Withdrawn Condominium Projects
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Refinances (11/10/2026) — d. Refinances PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 11. Programs and Products — d. Special Energy-Related Building Components
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — d. Underwriting the Borrower
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — d. Underwriting the Borrower
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — e. Closing and Disbursement
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 9. 203(k) Consultant Requirements — e. Consultant 35 Point Checklist
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — e. Effective Income Analysis
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 7. Post-closing and Endorsement — e. Endorsement and Post-endorsement
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 7. Post-closing and Endorsement — e. Endorsement and Post-endorsement
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 4. Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL) — d. Asset Requirements (TOTAL)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 11. Programs and Products — e. HUD Real Estate Owned Properties
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 2. Allowable Mortgage Parameters — e. Mortgage Insurance Premiums
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 3. Allowable Mortgage Parameters — e. Payment Plan
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — e. Pre-Closing Reviews by HUD
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — e. Swimming Pools
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — f. Closing
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — f. Post-closing and Insurance
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — f. Residual Income Analysis
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Section 251 Adjustable Rate Mortgages (05/02/2023) — f. Section 251 Adjustable Rate Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — f. Utilities – Mechanical Components PDF
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — g. Asset Requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 3. Allowable Mortgage Parameters — g. Disbursement Limits
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — g. Post-closing and Endorsement
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 2. Property Improvement Loan Program — g. Programs and Products – Refinance
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Section 248 Mortgages on Indian Land (09/14/2015) — g. Section 248 Mortgages on Indian Land
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. Title I Insured Programs > 4. Manufactured Home Loan Program — h. Programs and Products
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands > (11/07/2023) — h. Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower — i. Final HECM Decision
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 3. Allowable Mortgage Parameters — i. Mortgage Insurance Premiums
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - New Construction (11/10/2026) — i. New Construction
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — j. Attic Observation Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 9. 203(k) Consultant Requirements — j. Change Order
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Construction to Permanent (09/20/2021) — j. Construction to Permanent
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 9. 203(k) Consultant Requirements — k. Additional Required Documentation
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Building on Own Land (06/17/2019) — k. Building on Own Land
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 6. Condominium Projects — l. Estimate of Cost for New Construction for Manufactured Housing
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Weatherization (08/02/2018) — l. Weatherization
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — m. Environmental and Safety Hazards
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Solar and Wind Technologies (08/19/2024) — m. Solar and Wind Technologies
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Assumptions (08/19/2024) — n. Assumptions
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — n. Repair Requirements
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - HUD Real Estate Owned Purchasing (09/20/2021) — o. HUD Real Estate Owned Purchasing
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — o. Utility Services
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Condominiums (11/10/2026) — p. Condominiums
- FHA Single Family Housing Policy Handbook 4000.1, Part II
Part III — Servicing and Loss Mitigation 107
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Homeownership and Opportunity for People Everywhere for Homeowners > (09/26/2022) — g. Homeownership and Opportunity for People Everywhere for Homeowners
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > F. Appraiser and Property Requirements for Title I Loans > 10. Data Plate — c. Required Analysis and Reporting
- HUD Handbook 4000.1 III.A.1.b
- 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 — c. Providing Information to HUD and HUD-Approved Counseling Agencies
- HUD Handbook 4000.1 III.A.1.d
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — a. Mortgages in Delinquency or Default
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — a. Mortgages in Delinquency or Default
- HUD Handbook 4000.1 III.A.2.b
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — c. Late Charges
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — d. Partial Payments for Mortgages in Default
- HUD Handbook 4000.1 III.A.2.e
- HUD Handbook 4000.1 III.A.2.h
- HUD Handbook 4000.1 III.A.2.i
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — j. Home Disposition Options
- HUD Handbook 4000.1 III.A.2.k
- HUD Handbook 4000.1 III.A.2.l
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — h. Loss Mitigation Program
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Adjustable Rate Mortgages (06/30/2023) — a. Adjustable Rate Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — a. Mortgages in Delinquency or Default
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — a. Servicing in Compliance with Law
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 1. Title I Property Improvement Loan Program — a. Servicing in Compliance with Law
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — a. Servicing in Compliance with Law
- 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 — a. Servicing Roles and Responsibilities
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 4. Single Family Default Monitoring System Default Reporting and Non-Incentivized Loan Modification > Report — a. Single Family Default Monitoring System Default Reporting
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 2. Default Servicing — a. Use of Counseling Agencies
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Assumptions (12/30/2025) — b. Assumptions
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 2. Default Servicing — b. Due and Payable Servicing
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 1. Title I Property Improvement Loan Program — b. General Loan Servicing Requirements
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — b. Loan Servicing Requirements
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 3. Programs and Products - Mortgagee Optional Election Assignment (04/29/2024) — b. Mortgagee Optional Election Assignment
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 4. Single Family Default Monitoring System Default Reporting and Non-Incentivized Loan Modification > Report — b. Non-Incentivized Loan Modification Reporting
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- 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 — b. Responsibility for Servicing Actions
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — b. Responsibility for Servicing Actions
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 1. Title I Property Improvement Loan Program — c. Assumptions
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — c. Assumptions
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 3. Programs and Products - COVID-19 HECM Property Charge Repayment Plan (04/29/2024) — c. COVID-19 HECM Property Charge Repayment Plan
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 2. Default Servicing — c. Defaults for Unpaid Property Charges
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Hawaiian Home Lands Mortgages (Section 247 Mortgages) (11/10/2026) — c. Hawaiian Home Lands Mortgages (Section 247 Mortgages)
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — c. Late Charges
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- 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 — c. Providing Information to HUD and HUD-Approved Counseling Agencies
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 2. Default Servicing — d. Initiation of Foreclosure and Reasonable Diligence Time Frames
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) — d. Insured Mortgages on Indian Land (Section 248 Mortgages)
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — d. Partial Payments for Mortgages in Default
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — e. Borrower Disbursements
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 1. Title I Property Improvement Loan Program — e. Loan Default and Loss Mitigation
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — e. Loan Default and Loss Mitigation
- 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 — e. Payment Administration
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 2. Default Servicing — e. Sale of Property Acquired through Foreclosure or DIL
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Section 222 Mortgages (03/31/2022) — e. Section 222 Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 2. Default Servicing — f. Claims
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Good Neighbor Next Door (11/10/2026) — f. Good Neighbor Next Door
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 1. Title I Property Improvement Loan Program — f. Release or Substitution of Security
- 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 — f. Servicing Fees and Charges
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — f. Servicing of Manufactured Home Lot Loans and Combination Loans
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — g. Early Default Intervention
- 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 — g. Escrow
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — g. Servicing Fees and Charges
- 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 — h. Insurance Coverage Administration
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — h. Loss Mitigation Program
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — i. Loss Mitigation Home Retention Options
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Servicing FHA-Insured Mortgages for Servicemember-Borrowers (11/10/2026) — i. Servicing FHA-Insured Mortgages for Servicemember-Borrowers
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — i. Set-Asides
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — j. Allowable Fees and Charges
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — j. Home Disposition Options
- 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 — j. Post-endorsement Mortgage Amendments
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — k. Loss Mitigation Incentives and Title Reimbursement
- 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 — k. Mortgage Insurance Premium Cancellation
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — k. Prepayment
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — l. Completion of Required Repairs
- 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 — l. Mortgage Insurance Termination
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — l. Presidentially-Declared Major Disaster Areas
- 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 — m. Disclosures
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — m. Insurance Coverage Administration
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — m. Non-Monetary Default
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — n. Mortgage Insurance Premium Remittance
- 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 — n. Record Retention – Servicing File
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — o. Post-Endorsement HECM Amendments
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — o. Reinstatement
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — p. Foreclosure
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — p. Occupancy Certification
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — q. Acquiring Possession
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — r. Conveyance of Acquired Properties
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — r. Optional Assignment
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — s. Demand Assignment
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — t. Repurchase of Previously Assigned HECM
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — u. Mortgage Insurance Termination
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. Title II Insured Housing Programs Reverse Mortgages > 1. Servicing of FHA-Insured HECMs — v. Record Retention – Servicing File
Part IV — Claims and Disposition 103
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 1. Claim Submission Process — a. Preparation and Submission of Claims
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 1. Claim Submission Process — c. Claim File
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 3. Payment of Claims — a. Processing of Claim Forms
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 1. Claim Submission Process — a. Preparation and Submission of Claims
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 3. Payment of Claims — a. Processing of Claim Forms
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — a. Property and Sales Condition
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — b. Claim Documentation
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 2. Claim Types — b. Claim Type 02 - Assignment or Single Family Loan Sale Program
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > D. Title I Disposition > 1. Property Disposition for Property Improvement Loans — b. Foreclosure by Other Lien Holder
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 2. Title I Claims for Manufactured Homes — b. Maximum Claim Filing Deadline
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — c. Calculation of Insurance Claim Payment
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 4. Withdrawal or Cancellation of Conveyance Claims — c. Cancellation of Insurance Benefits due to Reconveyance
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 1. Claim Submission Process — c. Claim File
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 2. Claim Types — c. Claim Type 05 - Supplemental Claims/Remittances
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 6. Debt Collection and Administrative Offset — c. Initiation of Offset Action
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — c. Marketing Tools
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 1. Management and Marketing Program — c. P260 Portal
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 2. Title I Claims for Manufactured Homes — d. Claim Documentation
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — d. Prospective Buyers
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 2. Claim Types — e. Claim Type 07 - Pre-Foreclosure Sales
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — f. Sales Timeline
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — f. Supplemental Claim
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — g. Bid Submission
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — h. Abbreviated Claim
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — h. Bid Acceptance During Competitive Sales Periods
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — i. Denial of Insurance Claims
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 2. Title I Claims for Manufactured Homes — i. Sales Commission
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — i. Selection of Winning Bid
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — j. Resubmitted Claims
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > B. Title II Disposition > 2. REO Property Disposition — k. Closing
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > D. Title I Disposition > 2. Property Disposition of Manufactured Homes — k. Sale of the Repossessed Home
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 2. Title I Claims for Manufactured Homes — l. Claims Submission
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — l. Rescinding or Repurchasing a Claim
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 1. Title I Claims for Property Improvement — m. Lender Responsibilities Pending Insurance Claim Payment
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > A. Title II Claims > 2. Claim Types — p. Claim Type 33 – Payment Supplement
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 2. Title I Claims for Manufactured Homes — q. Abbreviated Claim
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, IV. CLAIMS AND DISPOSITION > C. Title I Claims > 2. Title I Claims for Manufactured Homes — r. Denial of Insurance Claims
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
- FHA Single Family Housing Policy Handbook 4000.1, Part IV
Part V — Quality Control, Oversight, and Compliance 49
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > D. Monitoring of Other Participants > 1. Appraisers (03/27/2019) — 1. Appraisers
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > B. Quality Control of Other Participants > 1. Direct Endorsement Underwriter (03/14/2016) — b. Quality Control Plan Findings and Corrective Action
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. Quality Control of Lenders and Mortgagees > 1. Quality Control Program Overview — c. Standard
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > E. Enforcement > 4. Mortgagee Review Board Actions and Sanctions — a. Actions and Sanctions
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > E. Enforcement > 1. Referrals for Noncompliance (03/27/2019) — a. Actions and Sanctions Against Mortgagees
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > E. Enforcement > 4. Mortgagee Review Board Actions and Sanctions — b. Procedures
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > C. Mortgagee Monitoring > 3. Loan Level Monitoring — b. Title II Loan Reviews
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > C. Mortgagee Monitoring > 1. Cooperation with HUD Investigations and Reviews (09/14/2015) — b. Title II Mortgagee Monitoring Reviews
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Identifying Patterns (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > C. Mortgagee Monitoring > 2. Institutional Mortgagee Monitoring — c. Servicer Tier Ranking System II
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. Quality Control of Lenders and Mortgagees > 1. Quality Control Program Overview — c. Standard
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > C. Mortgagee Monitoring > 2. Institutional Mortgagee Monitoring — d. DELRAP Mortgagee Monitoring Reviews
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. Quality Control of Lenders and Mortgagees > 2. Institutional Quality Control Program Requirements — c. Fraud, Misrepresentation, and Other Findings
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. Quality Control of Lenders and Mortgagees > 3. Loan Level Quality Control Program Requirements — e. Servicing Loan File Compliance Review
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. Quality Control of Lenders and Mortgagees > 3. Loan Level Quality Control Program Requirements — f. Ineligible Participants
Other 27
- HUD Handbook 4000.1
- HUD Handbook 4000.1
- HUD Handbook 4000.1
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Adjustable Rate Mortgages (06/30/2023) — a. Adjustable Rate Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Assumptions (08/19/2024) — n. Assumptions
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Building on Own Land (06/17/2019) — k. Building on Own Land
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Construction to Permanent (09/20/2021) — j. Construction to Permanent
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Disasters and 203(h) Mortgage Insurance for Disaster Victims (09/14/2015) — b. Disasters and 203(h) Mortgage Insurance for Disaster Victims
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Energy Efficient Mortgages (04/29/2019) — c. Energy Efficient Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Good Neighbor Next Door (11/10/2026) — f. Good Neighbor Next Door
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Hawaiian Home Lands Mortgages (Section 247 Mortgages) (11/10/2026) — c. Hawaiian Home Lands Mortgages (Section 247 Mortgages)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 8. Programs and Products - HECM For Purchase (11/10/2026) — a. HECM For Purchase
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 8. Programs and Products - HECM Refinance (04/29/2024) — b. HECM Refinance
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - HUD Real Estate Owned Purchasing (09/20/2021) — o. HUD Real Estate Owned Purchasing
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025) — d. Insured Mortgages on Indian Land (Section 248 Mortgages)
- HUD Handbook 4000.1
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - New Construction (11/10/2026) — i. New Construction
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Refinances (11/10/2026) — d. Refinances
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Section 222 Mortgages (03/31/2022) — e. Section 222 Mortgages
- HUD Handbook 4000.1 — Programs and Products - Section 235 Mortgages (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Section 248 Mortgages on Indian Land (09/14/2015) — g. Section 248 Mortgages on Indian Land
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Section 251 Adjustable Rate Mortgages (05/02/2023) — f. Section 251 Adjustable Rate Mortgages
- FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 3. Programs and Products - Servicing FHA-Insured Mortgages for Servicemember-Borrowers (11/10/2026) — i. Servicing FHA-Insured Mortgages for Servicemember-Borrowers
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Solar and Wind Technologies (08/19/2024) — m. Solar and Wind Technologies
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 8. Programs and Products - Weatherization (08/02/2018) — l. Weatherization
- HUD Handbook 4000.1
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > E. Enforcement > 5. Actions and Sanctions Against Individuals and Other Program Participants — e. Specific Program Participants
565 sections in total.
Operationalizing Handbook 4000.1
This is the regulator’s own words, source-verified — the grounding you need to check your policies and procedures against FHA requirements, operationalize a change, and produce audit-ready evidence, all without invented text. See how the corpus is built and verified and the regulatory update kits. Free to read and download · compiled by Claude for Compliance.