source:
  type: regulation
  id: hud-4000-1-programs-and-products-section-222-mortgages
  authority: HUD Handbook 4000.1 — Programs and Products - Section 222 Mortgages (03/31/2022)
  description: "HUD Handbook 4000.1 section \"Programs and Products - Section 222 Mortgages\". Gap-fill\
    \ (verbatim, title-diff). \n"
obligations:
- id: hud-4000-1-programs-and-products-section-222-mortgages-full
  canonical_id: hud-4000-1-programs-and-products-section-222-mortgages-full
  section: HUD Handbook 4000.1
  description: "Programs and Products - Section 222 Mortgages: 3. Programs and Products - Section 222\
    \ Mortgages (03/31/2022) \n \ne. Section 222 Mortgages (03/31/2022) \nAuthority for Mortgages insured\
    \ under Section 222 of the National Housing Act was \nrepealed on July 30, 2008. The following policies\
    \ apply for existing Section 222 Mortgages, \nfor which Mortgage I…"
  type: do
  tags:
  - regulator-direct
  - section-complete
  - hud
  - 4000-1
  - curated
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Programs and Products - Section 222 Mortgages (03/31/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: "3. Programs and Products - Section 222 Mortgages (03/31/2022) \n \ne. Section 222\
      \ Mortgages (03/31/2022) \nAuthority for Mortgages insured under Section 222 of the National Housing\
      \ Act was \nrepealed on July 30, 2008. The following policies apply for existing Section 222 Mortgages,\
      \ \nfor which Mortgage Insurance Premiums (MIP) are paid by the servicemember-Borrower’s \nbranch\
      \ of the military service until the servicemember’s eligibility is terminated. \ni. Requirements\
      \ for Section 222 Mortgages \n(A) Military Branch Responsibility \nThe military branch is responsible\
      \ for payment of MIP on a Section 222 Mortgage \nwhen the Borrower is: \n• a certified servicemember\
      \ at the time of application; and \n• the owner of the Property at the time of FHA endorsement.\
      \ \n(B) Establishing Eligibility \nThe servicemember-Borrower must submit the original and two copies\
      \ of a written \ncertification of a servicemember’s eligibility, issued by the servicemember’s \n\
      commanding or personnel officer, with their application for mortgage insurance under \nSection 222.\
      \ The respective service branch determines benefits eligibility. \nii. Sale of a Property Covered\
      \ by a Section 222 Mortgage \nWhen a servicemember-Borrower sells the mortgaged Property, the Mortgagee\
      \ must \ncomplete a Mortgage Record Change in FHAC. \n(A) Sale of Mortgaged Property to Another\
      \ Eligible Servicemember \nIf a mortgaged Property is sold to another eligible servicemember who\
      \ assumes the \nSection 222 Mortgage, the Mortgagee must request from the assumptor written \ncertification\
      \ from their service branch of their eligibility for a Section 222 Mortgage. \nIf the Mortgagee\
      \ fails to provide this certification to HUD when requesting insurance, \nHUD will hold the Mortgagee,\
      \ and not the service branch, responsible for payment of \nMIP. The Mortgagee should continue to\
      \ collect premiums from the servicememberBorrower and pay the premiums to FHA. \n(B) Collection\
      \ of MIP from Servicemember Assumptor \nWhen a mortgaged Property is sold to another eligible servicemember\
      \ who will \nassume the Section 222 Mortgage, the Mortgagee must continue to collect premiums \n\
      from the assumptor until advised by FHA that the service branch will be responsible \nfor future\
      \ premiums. \n\n3. Programs and Products - Section 222 Mortgages (03/31/2022) \n \nIf the Mortgagee\
      \ has been paying the MIP as a result of prior termination of the \nservice branch’s responsibility\
      \ for payment of premiums, the Mortgagee must \ncontinue to collect premiums from the servicemember-Borrower\
      \ and pay the \npremiums to FHA. \niii. Mortgage Insurance Premium Payments upon Notice of Termination\
      \ \nUnder Section 222, HUD does not require the Mortgagee to collect MIP from the \nBorrower or\
      \ to remit premiums to FHA until advised by FHA that the service branch will \nno longer pay the\
      \ premiums. \nWhen FHA is notified that the mortgaged Property has been sold or that the \nservicemember\
      \ has been discharged, retired, or has died, FHA will: \n• request confirmation from the service\
      \ branch of the termination of MIP; and \n• notify the Mortgagee to begin collecting MIP from the\
      \ servicemember-Borrower. \niv. Continued Payment of Mortgage Insurance Premium by Service Branch\
      \ When \nServicemember Dies on Active Duty \nThe service branch is responsible for determining continued\
      \ eligibility of servicememberBorrowers. If a servicemember-Borrower dies while on Active Duty and\
      \ is survived by a \nspouse, the service branch will be responsible for the following: \n• continuing\
      \ to pay MIP on the Mortgage until two years after the servicemember’s \ndeath or until the spouse\
      \ disposes of the Property, whichever occurs first; \n• notifying FHA when eligibility terminates;\
      \ and \n• paying MIP until confirmation of the termination is received by the FHA \nComptroller.\
      \ FHA will notify the Mortgagee of its responsibility for payment of \nthe MIP. \nv. Loss Mitigation\
      \ for Section 222 Mortgages \nThe Mortgagee must evaluate all applicable Loss Mitigation Options\
      \ for Section 222"
    drafter_attestation: Verbatim section from snapshot 8c03836f77f317e1; boundary human-curated + substring-verified
      (2026-07-23).
  judgment: false
