source:
  type: guide
  id: hud-4000-1-i-d-servicing-of-fha-insured-title-ii-mortgages-and-title-i-loan
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Servicing
    of FHA-Insured Title II Mortgages and Title I Loans (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Servicing
    of FHA-Insured Title II Mortgages and Title I Loans (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-d-servicing-of-fha-insured-title-ii-mortgages-and-title-i-loan-full
  canonical_id: hud-4000-1-i-d-servicing-of-fha-insured-title-ii-mortgages-and-title-i-loan-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Servicing
    of FHA-Insured Title II Mortgages and Title I Loans (05/09/2022)
  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 I — d. Servicing
      of FHA-Insured Title II Mortgages and Title I Loans (05/09/2022)
    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. Servicing of FHA-Insured Title II Mortgages and Title I Loans
      (05/09/2022) i. Title II Mortgages The servicing of FHA-insured Title II Mortgages
      must be performed by an FHA- approved Mortgagee with Title II program approval
      and approval to service Title II Mortgages. FHA-approved Mortgagees that use
      a subservicer to service FHA-insured Title II Mortgages must ensure the subservicer
      is also approved by FHA to service FHA- insured Title II Mortgages. The servicing
      Title II Mortgagee is responsible for the actions of its subservicers. ii. Title
      I Loans Held by Supervised, Nonsupervised, and Government Title I Lenders An
      Agent is not required to be approved as a Title I Lender to service Title I
      Loans that are held by the Supervised, Nonsupervised, or Government Title I
      Lender. The Title I Lender holding the Title I Loans is responsible for ensuring
      the Loans are serviced by the agent in accordance with HUD/FHA requirements.
      iii. Title I Loans Held by Title I Investing Lenders A Title I Investing Lender
      may not directly service Title I Loans it holds except with the prior approval
      of the Department. All Title I Loans held by a Title I Investing Lender without
      servicing authority must be serviced or subserviced by a Title I Lender with
      a Title I Contract of Insurance and approval to service Title I Loans.
  judgment: false
