source:
  type: guide
  id: hud-4000-1-iv-d-claim-documentation
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Claim
    Documentation (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Claim
    Documentation (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-d-claim-documentation-full
  canonical_id: hud-4000-1-iv-d-claim-documentation-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. 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 — d. 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: 'd. Claim Documentation (04/10/2025) The Lender must fully document
      the insurance claim file and include originals of all signed documents in the
      submission package. These documents include, but are not limited to the: • Servicing
      Agreement, if applicable; • loan application; • Note; • Notice to Borrower of
      HUD’s Role; • security instrument; • Note assignment; • assumption agreement;
      and • form HUD-56002-MH, Placement Certificate for Manufactured Home. i. 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. • The obligation has not been satisfied, paid, or canceled. • The
      documentation provided is sufficient to enforce the obligation. • The Loan will
      be repurchased, at any time, if HUD is unable to enforce the obligation. ii.
      Repossession Legal Notices The claim file must contain copies of all necessary
      legal notices sent regarding the repossession and sale of the Manufactured Home.
      Any proof related to the delivery of such notices should also be included. IV.
      CLAIMS AND DISPOSITION C. Title I Claims 2. Title I Claims for Manufactured
      Homes Handbook 4000.1 1676 Last Revised: 11/26/2025 iii. Bankruptcy and Probate
      In the case of Bankruptcy or death of a Borrower, the claim file must contain
      all related official notices and documents. Required documentation includes
      a copy of any proof of claim or other documents filed by the Lender to protect
      its rights. iv. Recourse Agreement The Lender must exercise any right they have
      under a recourse agreement to have a Dealer repurchase the loan Note prior to
      filing a claim. If the Lender is unable to enforce the recourse agreement, the
      claim file must adequately document that enforcement was not possible. Any recourse
      must first be used to reimburse the Lender for any of its losses on its 10 percent
      not covered by federal insurance. Any amounts remaining would offset any claim
      amount the Lender would make to FHA. FHA would not receive any of the recourse
      funds. v. Assignment of Lenders’ Rights to the United States (A) Note Assignment
      The claim package must include an assignment of the Lender’s entire interest
      in the loan Note to the United States. The assignment of the loan Note must
      be completed in the following format: All rights, title, and interest of the
      undersigned are hereby assigned (without warranty, except that the loan qualifies
      for insurance) to the United States of America (HUD). (Financial Institution)
      _____________________ By: ___________________________________ Title: __________________________________
      Date: __________________________________ (B) Assignment of Security Instrument
      In most cases, Lenders will not assign the security instrument to HUD. Instead,
      Lenders must repossess and attempt to resell the Manufactured Home before submitting
      a claim to HUD. If the Lender obtained a Judgment against the Borrower(s), or
      obtained additional security for the Loan beyond the minimum security required
      by HUD, then the Judgment, or other security held by the Lender, must be assigned
      to the United States. The document for such assignment(s) must be in a format
      that meets the requirements IV. CLAIMS AND DISPOSITION C. Title I Claims 2.
      Title I Claims for Manufactured Homes Handbook 4000.1 1677 Last Revised: 11/26/2025
      of the local jurisdiction or recording authority. The assignment must identify
      HUD as the assignee and the FHA Title I case number. The security assignment
      must be recorded prior to filing the insurance claim and the original recorded
      assignment document must be included in the claim package. If the Lender submitted
      the security assignment for recording in a timely fashion, but cannot provide
      the recorded document with the claim package due to delay at the recorder’s
      office, or other circumstances beyond the Lender’s control, the Lender must
      still file its claim prior to the claim filing deadline. Instead of the recorded
      assignment, the claim package must include the following documents: • a copy
      of the executed, unrecorded assignment; • reasonable evidence that the assignment
      was sent for recording before the expiration of the claim filing period. Reasonable
      evidence includes a copy of the dated check used to pay the local recorder,
      a dated receipt from the local recorder for the recording fees, or proof of
      mailing (e.g., certified slip, green card) of assignment to local recorder;
      and • a statement signed by an authorized official of the Lender stating: o
      the copy of the executed assignment is a true and exact copy of what was sent
      to the recorder’s office; 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; and o the Lender will promptly forward the lien assignment to HUD upon
      receipt of the recorded copy. (C) 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.'
  judgment: false
