source:
  type: guide
  id: hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication
    with Borrowers and Authorized Third Parties (03/31/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication
    with Borrowers and Authorized Third Parties (03/31/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-full
  canonical_id: hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication
    with Borrowers and Authorized Third Parties (03/31/2022)
  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 III — d. Communication
      with Borrowers and Authorized Third Parties (03/31/2022)
    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. Communication with Borrowers and Authorized Third Parties
      (03/31/2022) i. Definition Authorized Third Parties are parties who are not
      Borrowers on the Mortgage but who are authorized to communicate with Mortgagees
      regarding a Mortgage. ii. Standard The Mortgagee must provide mortgage information
      and arrange for individual consultation with the Borrower and/or the Authorized
      Third Party, upon request by the Borrowers. The Mortgagee must comply with all
      laws, rules, and requirements applicable to third- party access to mortgage
      information. iii. Required Documentation If communicating with an Authorized
      Third Party, the Mortgagee must include documentation of the authorization in
      the servicing binder: • a copy of a signed authorization from the Borrower;
      • a copy of a Power of Attorney (POA), order of guardianship, or other documentation
      authorizing that third party to act on behalf of the Borrower; or • other documentation
      showing legal authorization to access the Borrower’s records.'
  judgment: false
