source:
  type: guide
  id: hud-4000-1-iv-b-claim-documentation
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim
    Documentation (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim
    Documentation (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-b-claim-documentation-full
  canonical_id: hud-4000-1-iv-b-claim-documentation-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim Documentation
    (04/10/2025)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim
      Documentation (04/10/2025)
    source_class: hud-handbook
    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: 'b. Claim Documentation (04/10/2025) The Lender must submit the
      claim package for insurance benefits using form HUD-637, Title I Claim for Loss.
      The form must be signed by an authorized officer of the Lender under applicable
      criminal and civil penalties for fraud and misrepresentation. The claim package
      must include all applicable documents listed on form HUD-637. Claims must be
      submitted to HUD’s FOC. i. Standard The claim submission must contain the original
      signed documents for: • Loan Servicing Agreement, if applicable; • the Note;
      • the security instrument; • assignments; • assumption agreements; • releases
      of liability for repayment of the Loan; and • any related documents and forms.
      IV. CLAIMS AND DISPOSITION C. Title I Claims 1. Title I Claims for Property
      Improvement Handbook 4000.1 1664 Last Revised: 11/26/2025 Additional documents
      must be provided to enable HUD to (1) evaluate the Lender’s origination, underwriting,
      and servicing of the Loan; (2) calculate the claim amount; or (3) continue effectively
      servicing the Loan. Electronic signatures are permitted provided they are in
      compliance with all requirements of the Electronic Signatures in Global and
      National Commerce (ESIGN) Act, 15 U.S.C. § 7001 et seq. and in accordance with
      HUD’s policy on electronic signatures. ii. Missing Document Statement For missing
      required documents, the Lender must include in the claim file a Missing Document
      Statement. The statement must be signed by an authorized official of the Lender
      and include an explanation as to why the original document is not available.
      In addition, the statement must also attest to the following: • The copy is
      true and correct, if applicable. • The obligation is valid and enforceable.
      • The obligation has not been satisfied, paid or canceled. • The documentation
      provided is sufficient to enforce the obligation in the jurisdiction. • The
      Loan will be repurchased, at any time, if HUD is unable to enforce the obligation.
      iii. Bankruptcy and Probate If a Borrower has declared bankruptcy or is deceased,
      the claim file must contain all official notices, copies of any proof of claim
      or other documents filed by the Lender to protect its rights, and any other
      relevant documentation. iv. Assignment of Lenders’ Rights to the United States
      Upon filing the insurance claim, the Lender must assign its entire interest
      in the loan Note (or in a Judgment in lieu of the Note), in any security held,
      and in any claim filed in probate, bankruptcy or insolvency proceedings, to
      the United States. If the security interest has been assigned to the United
      States, the assignment must be recorded prior to filing the insurance claim,
      unless HUD determines that recordation by the Lender is impractical. (A) Form
      of Assignment The assignment of the loan Note must be completed in the following
      form: IV. CLAIMS AND DISPOSITION C. Title I Claims 1. Title I Claims for Property
      Improvement Handbook 4000.1 1665 Last Revised: 11/26/2025 All rights, title,
      and interest of the undersigned is hereby assigned (without warranty, except
      that the loan qualifies for insurance) to the United States of America (HUD).
      (Financial Institution) _____________________ By: ___________________________________
      Title: __________________________________ Date: __________________________________
      The assignment of other documents must be in a form that meets the requirements
      of the local jurisdiction or recording authority. (B) Valid and Enforceable
      When Assigned The loan obligation must be valid and enforceable against the
      Borrower when assigned to the United States. If HUD has reason to believe that
      an obligation is not valid or enforceable, the claim may be denied (or HUD may
      demand repurchase if a claim is already paid). The Lender may resubmit the claim
      after obtaining a valid and enforceable Judgment for the unpaid balance of the
      Loan. (C) Assignment Delay at a Recorder’s Office The Lender must wait until
      the recorded assignment is returned from the recorder’s office before sending
      the claim package to HUD. If there is a delay in receiving the original recorded
      lien assignment back from the recorder’s office, the Lender must not delay its
      claim submission to HUD past the Claim Filing Deadline. In this situation, the
      Lender must send the claim package to HUD with the following documentation in
      lieu of the original, recorded assignment: • a copy of the executed, unrecorded
      assignment; • reasonable evidence that the assignment was sent for recording
      before the expiration of the claim filing deadline. Examples of evidence include
      a check to pay the local recorder, a dated receipt from the recorder, or proof
      of mailing (i.e., stamped certified mail receipt); and • a statement signed
      by an authorized officer of the Lender stating: o The copy of the executed assignment
      is a true and exact copy of what was sent to the recorder. o The recorded copy
      of the lien assignment could not be obtained before the end of the claim filing
      period due to delays in the recorder’s office. o The Lender will promptly forward
      the lien assignment to HUD upon receipt of the recorded original. o The Lender
      will repurchase the Loan at any time if this delay results in harm to HUD or
      if the Lender fails to send the recorded lien assignment to HUD in a timely
      fashion. IV. CLAIMS AND DISPOSITION C. Title I Claims 1. Title I Claims for
      Property Improvement Handbook 4000.1 1666 Last Revised: 11/26/2025 When the
      original lien assignment is received from the recorder’s office, it should be
      identified by the FHA case number (and by the claim number if available) and
      sent to the FOC.'
  judgment: false
