source:
  type: guide
  id: hud-4000-1-i-a-title-i
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I
    (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title
    I (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-a-title-i-full
  canonical_id: hud-4000-1-i-a-title-i-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (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 — a. Title
      I (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: 'a. Title I (05/09/2022) i. Definition A Title I Lender is a
      Lender that (a) holds a valid Title I Contract of Insurance and is approved
      by FHA to participate in the Title I program under the National Housing Act
      (12 U.S.C. § 1703 et seq.), or (b) is under suspension or holds a Title I Contract
      of Insurance that has been terminated or suspended but remains responsible for
      servicing or selling the Title I Loans that it holds and is authorized to file
      insurance claims on such Title I Loans. Title I Contract of Insurance is the
      term applied to a Title I Lender’s authority to originate, underwrite, and insure
      Title I Loans. FHA’s approval as a Title I Lender constitutes the Title I Contract
      of Insurance between the Title I Lender and HUD. I. DOING BUSINESS WITH FHA
      A. FHA Lenders and Mortgagees (09/20/2021) 2. Types of Approved Mortgagees Handbook
      4000.1 2 Last Revised: 11/26/2025 ii. Standard A Title I Lender may be approved
      to originate, underwrite, close, endorse, service, purchase, hold, or sell Loans
      under the Property Improvement program and/or the Manufactured Housing program.
      Unless otherwise specified, Title I Lenders must meet the same approval requirements
      and follow the same procedures as Title II Mortgagees. The FHA Lender ID assigned
      to the Title I Lender by HUD at approval is used to identify the Title I Contract
      of Insurance in all insurance transactions. The Title I Lender’s responsibility
      under the Title I Contract of Insurance will remain in force for all Title I
      Loans originated under the Title I Contract of Insurance for the entire term
      of the Title I Loans. A lender whose Contract is terminated may continue to
      be approved as a Title I Lender, and it continues to be insured with respect
      to the Title I Loans it holds at the time of termination, but it cannot otherwise
      exercise the rights of an approved lender. The Title I Lender may no longer
      originate new Title I Loans but will remain responsible to perform all duties
      for Title I Loans held in accordance with the Title I Lender’s Contract of Insurance
      with HUD. This includes servicing and paying premium charges when due. Claims
      may be filed for Title I Loans that were insured under the Contract of Insurance.'
  judgment: false
