source:
  type: guide
  id: hud-4000-1-i-a-fha-lenders-and-mortgagees
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — A. FHA Lenders
    and Mortgagees (09/20/2021)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — A. FHA Lenders
    and Mortgagees (09/20/2021).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-a-fha-lenders-and-mortgagees-full
  canonical_id: hud-4000-1-i-a-fha-lenders-and-mortgagees-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — A. FHA Lenders
    and Mortgagees (09/20/2021)
  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. FHA Lenders
      and Mortgagees (09/20/2021)
    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. FHA Lenders and Mortgagees (09/20/2021) 1. Types of Program
      Approvals Handbook 4000.1 1 Last Revised: 11/26/2025 I. DOING BUSINESS WITH
      FHA A. FHA LENDERS AND MORTGAGEES (09/20/2021) The Doing Business with FHA section
      in this FHA Single Family Housing Policy Handbook (Handbook 4000.1) covers Federal
      Housing Administration (FHA) approval and eligibility requirements for both
      Title I Lenders and Title II Mortgagees, as well as other FHA program participants.
      The term “Mortgagee” is used throughout for all types of FHA approval (both
      Title II Mortgagees and Title I Lenders) and the term “Mortgage” is used for
      all products (both Title II Mortgages and Title I Loans), unless otherwise specified.
      A Mortgagee must fully comply with all of the following approval and eligibility
      requirements in order to be approved by FHA to participate in the origination,
      underwriting, closing, endorsement, servicing, purchasing, holding, or selling
      of FHA-insured Title I Loans or Title II Mortgages at the time of approval and
      at all times after approval. The requirements outlined below in subsections
      1 through 9 apply to both Single Family (one- to four-units) and Multifamily
      Mortgagees. If there are any exceptions or program-specific requirements that
      differ from those set forth below, the exceptions or alternative program requirements
      are explicitly stated or hyperlinked to the appropriate guidance. Terms and
      acronyms used in this Handbook 4000.1 have their meanings defined in the Glossary
      and Acronyms and in the specific section of Handbook 4000.1 in which the definitions
      are located. 1. Types of Program Approvals FHA approves Mortgagees separately
      for participation in the Title I and Title II programs. FHA approval is conveyed
      to a specific legal entity and cannot be shared with or extended to other entities,
      such as a parent or subsidiary, or any Affiliates of the Mortgagee.'
  judgment: false
