source:
  type: guide
  id: hud-4000-1-ii-b-mortgagee-pre-endorsement-review-requirements
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgagee
    Pre-endorsement Review Requirements (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgagee
    Pre-endorsement Review Requirements (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-b-mortgagee-pre-endorsement-review-requirements-full
  canonical_id: hud-4000-1-ii-b-mortgagee-pre-endorsement-review-requirements-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgagee
    Pre-endorsement Review Requirements (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 II — b. Mortgagee
      Pre-endorsement Review Requirements (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. Mortgagee Pre-endorsement Review Requirements (04/10/2025)
      When conducting the pre-endorsement review, the Mortgagee must review and verify
      the following items, as applicable. All documents must be legible. i. Late Submission
      Letter The Mortgagee must confirm that the Late Submission Letter is completed,
      if necessary. ii. Form HUD-92900-LT, FHA Loan Underwriting and Transmittal Summary
      The Mortgagee must confirm that the form is completed. The form must be signed
      and dated by the underwriter, as applicable. iii. Note (Including Any Secondary
      Mortgage) The Mortgagee must confirm that the Note is the Authoritative Copy,
      the Borrower name on the Note matches form HUD-92900-LT, and the required language
      from the Model Note is present. The Mortgagee must also confirm that: • the
      Note has been executed; • the mortgage amount is not higher than approved by
      the underwriter on form HUD-92900-LT; • the term of the Mortgage is the same
      as on the Fannie Mae Form 1003/Freddie Mac Form 65, Uniform Residential Loan
      Application (URLA); and • all applicable allonges, agreements, and riders are
      properly executed. iv. Security Instrument The Mortgagee must confirm that the
      security instrument: • is the Authoritative Copy; • has been executed (along
      with all riders indicated on the last page of the security instrument); • includes
      the principal balance that is not higher than, and maturity date that is not
      different than, that approved by the underwriter; and • lists the same property
      address as the URLA (Fannie Mae Form 1003/Freddie Mac Form 65). II. ORIGINATION
      THROUGH POST-CLOSING/ENDORSEMENT A. Title II Insured Housing Programs Forward
      Mortgages 7. Post-closing and Endorsement Handbook 4000.1 382 Last Revised:
      11/26/2025 v. Closing Disclosure and Settlement Certification The Mortgagee
      must confirm that the Closing Disclosure or similar legal document is complete
      and signed by all required parties, and the Settlement Certification is complete
      and signed by the Borrower, seller (as applicable, except in case of HUD Real
      Estate Owned (REO) Sales), and settlement agent. The Settlement Certification
      is not required for refinance transactions. If the seller’s Closing Disclosure
      or similar legal document is provided separately, the Mortgagee must obtain
      from the Closing Agent a copy of the final Closing Disclosure provided to the
      seller to keep in the case binder. vi. Final Uniform Residential Loan Application
      The Mortgagee must confirm the URLA (Fannie Mae Form 1003/Freddie Mac Form 65)
      is signed and dated by the Mortgagee and all Borrowers. If the final URLA is
      not signed by the Mortgagee, the initial application signed by the Mortgagee
      is acceptable. vii. Form HUD-92900-A, HUD Addendum to Uniform Residential Loan
      Application The Mortgagee must confirm that form HUD-92900-A, HUD Addendum to
      Uniform Residential Loan Application, is completed as instructed on the form.
      viii. Credit Report(s) The Mortgagee must confirm that the mortgage file contains
      a credit report for each Borrower. If the Borrower resides in a community property
      state, or if the Property is located in a community property state, confirm
      that the mortgage file contains a credit report for a non-borrowing spouse,
      unless excluded by state law. If there are multiple credit reports, all credit
      reports must be submitted in the case binder. ix. CAIVRS Report The Mortgagee
      must confirm that the mortgage file contains a clear Credit Alert Verification
      Reporting System (CAIVRS) report or documentation from the creditor agency to
      support the verification and resolution of the debt. x. Asset Verification The
      Mortgagee must confirm that the mortgage file contains the Verification of Deposit
      (VOD) and/or bank statements. xi. Gift Letter The Mortgagee must confirm that
      the mortgage file contains a gift letter if a Gift is shown on form HUD-92900-LT.
      II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT A. Title II Insured Housing
      Programs Forward Mortgages 7. Post-closing and Endorsement Handbook 4000.1 383
      Last Revised: 11/26/2025 xii. Secondary Financing Documentation The Mortgagee
      must confirm that the mortgage file contains a copy of the Mortgage and Note,
      if applicable. xiii. Income Verification The Mortgagee must confirm that the
      mortgage file contains verification of the Borrower’s income. xiv. Evidence
      of the Social Security Number The Mortgagee must confirm that the mortgage file
      contains evidence of the Borrower’s Social Security Number (SSN). xv. Form HUD-92300,
      Mortgagee’s Assurance of Completion The Mortgagee must confirm that form HUD-92300,
      Mortgagee’s Assurance of Completion, is completed and signed, if applicable.
      xvi. Form HUD-92051, Compliance Inspection Report, or Fannie Mae Form 1004D/Freddie
      Mac Form 442, Appraisal Update and/or Completion Report (A) Form HUD-92051,
      Compliance Inspection Report The Mortgagee must confirm that form HUD-92051,
      Compliance Inspection Report, is completed, signed, and dated by an approved
      inspector. Local government inspection with the underwriter certification may
      be accepted. (B) Fannie Mae Form 1004D/Freddie Mac Form 442, Appraisal Update
      and/or Completion Report The Mortgagee must confirm that Fannie Mae Form 1004D/Freddie
      Mac Form 442, Appraisal Update and/or Completion Report, Part B, is completed,
      signed, and dated by an FHA Appraiser in good standing on the FHA Appraiser
      Roster. xvii. Form NPMA-33, Wood Destroying Insect Inspection Report The Mortgagee
      must confirm that the file contains the National Pest Management Association
      (NPMA) form NPMA-33, Wood Destroying Insect Inspection Report, or the state
      mandated infestation report, as applicable. xviii. Local Health Authority’s
      Approval for Individual Water and Sewer Systems The Mortgagee must confirm that
      the file contains the Local Health Authority’s approval for Individual Water
      Supply Systems and sewer systems, if applicable. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      A. Title II Insured Housing Programs Forward Mortgages 7. Post-closing and Endorsement
      Handbook 4000.1 384 Last Revised: 11/26/2025 xix. New Construction Exhibits
      For New Construction, the Mortgagee must confirm that the documentation requirements
      found in the New Construction product sheet are in the mortgage file. xx. Form
      HUD-92800.5B, Conditional Commitment Direct Endorsement Statement of Appraised
      Value The Mortgagee must confirm that form HUD-92800.5B, Conditional Commitment
      Direct Endorsement Statement of Appraised Value, is completed. xxi. Appraisal
      Report The Mortgagee must confirm that the original Fannie Mae Form 1004/Freddie
      Mac Form 70, Uniform Residential Appraisal Report (URAR), or other appropriate
      appraisal form, is complete and contains the Appraiser’s signature and date.
      xxii. Specialized Eligibility Documents The Mortgagee must confirm that the
      mortgage file contains all required program- specific documents. xxiii. Sales
      Contract and Addenda The Mortgagee must confirm that the Sales Contract, addenda,
      and the Amendatory Clause are signed by all Borrowers and sellers. The Amendatory
      Clause is not required on REO Sales, or 203(k) Mortgages. The Mortgagee must
      confirm that Real Estate Certification is signed by Borrowers, sellers, and
      selling real estate agent or broker if their signature is not contained within
      the purchase agreement. c. Properties Located in Presidentially-Declared Major
      Disaster Areas Before Endorsement (06/27/2025) The Mortgagee must exercise reasonable
      due diligence to determine if additional inspections or repairs are necessary
      before endorsement for all Properties with pending Mortgages or endorsements
      in areas under a Presidentially-Declared Major Disaster Area (PDMDA) designation
      for individual assistance. The Mortgagee must determine if a PDMDA will have
      an adverse effect on the Property’s ability to serve as collateral for the Mortgage.
      If repairs are required, they must be completed prior to endorsement, unless
      the Property is habitable and a repair escrow has been established in accordance
      with Repair Completion Escrow Requirements. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      A. Title II Insured Housing Programs Forward Mortgages 7. Post-closing and Endorsement
      Handbook 4000.1 385 Last Revised: 11/26/2025 The Mortgagee must document any
      information relied upon to make their determination if additional inspections
      or repairs are necessary. If applicable, copies of any inspections and evidence
      of repairs or the repair escrow must be included in the Case Binder. Streamline
      Refinances are allowed to proceed to closing and/or endorsement without any
      additional requirements.'
  judgment: false
