source:
  type: regulation
  id: hud-4000-1-ii-a-7
  authority: "HUD Handbook 4000.1 Part II.A.7 — Post-closing and Endorsement (Forward Mortgages)"
  description: 'HUD Handbook 4000.1 Part II.A.7 governs Pre-endorsement Review and

    Mortgagee Pre-endorsement Review Requirements for FHA Title II

    forward mortgages. Operative controls include independent-reviewer

    separation (review staff not involved in origination/processing/

    underwriting), Uniform Case Binder Stacking Order completeness,

    case-binder documentation retention, legibility of all documents,

    and per-document verification (Note Authoritative Copy, borrower

    name match with HUD-92900-LT, security instrument execution, CD

    signature verification). Fills HUD 4000.1 Part II.A.7 chapter gap.

    '
obligations:
- id: hud-4000-1-ii-a-7-pre-endorsement-review-of-file
  canonical_id: hud-4000-1-ii-a-7-pre-endorsement-review-of-file
  section: "HUD Handbook 4000.1 II.A.7.a — Pre-endorsement review per Uniform Case Binder Stacking Order"
  description: '[LENDER] (Mortgagee) shall complete a pre-endorsement review of

    the mortgage file to ensure all applicable documents as described

    in the Uniform Case Binder Stacking Order are included in the

    endorsement submission. The Stacking Order is the operational

    checklist that drives the review.

    '
  type: do
  audit_question: For every FHA case submitted for endorsement, can [LENDER] evidence (via signed pre-endorsement review checklist) that all applicable documents per the Uniform Case Binder Stacking Order were verified present prior to submission?
  workflow_phase: loan_origination
  owner_role: quality_control_manager
  secondary_owner_role: closing_specialist
  cadence: per-fha-case
  consequence: Missing Stacking Order documents are a known FHA QC defect; can void insurance and trigger indemnification.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - pre-endorsement-review
  - stacking-order
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.7.a — Pre-endorsement Review"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'The Mortgagee must complete a pre-endorsement review of the mortgage file to ensure all applicable documents as described in the Uniform Case Binder Stacking Order are included in the endorsement submission.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.7.a pre-

      endorsement-review-by-Stacking-Order operative requirement.

      '
  promoted_at: '2026-05-25T19:04:54+00:00'
  promoted_from: hud-4000-1-ii-a-7-roundd-v1.yaml
  program_review: Do the P&Ps ensure a pre-endorsement review verifies all applicable documents per the Uniform Case Binder Stacking Order are in the endorsement submission?
  file_review: Pull endorsement submissions; confirm the signed pre-endorsement checklist verified all applicable Stacking-Order documents were present.
  judgment: false
- id: hud-4000-1-ii-a-7-independent-reviewer-separation
  canonical_id: hud-4000-1-ii-a-7-independent-reviewer-separation
  section: "HUD Handbook 4000.1 II.A.7.a — Pre-endorsement review by independent (non-origination) staff"
  description: '[LENDER] (Mortgagee) shall ensure the pre-endorsement review is

    conducted by staff not involved in the originating, processing,

    or underwriting of the Mortgage. This separation-of-duties

    control is operational: the reviewer cannot have decision

    authority over the file being reviewed.

    '
  type: do
  audit_question: For every FHA case, can [LENDER] evidence (via reviewer-identity logs, role-assignment audit trail) that the pre-endorsement reviewer was NOT involved in originating, processing, or underwriting that specific Mortgage?
  workflow_phase: loan_origination
  owner_role: quality_control_manager
  secondary_owner_role: compliance_officer
  cadence: per-fha-case
  consequence: Origination-staff-conducted pre-endorsement reviews invalidate the independence control and are a FHA QC defect.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - separation-of-duties
  - pre-endorsement-review
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.7.a — Pre-endorsement Review"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'This review must be conducted by staff not involved in the originating, processing, or underwriting of the Mortgage.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.7.a independent-

      reviewer-separation operative requirement.

      '
  promoted_at: '2026-05-25T19:04:54+00:00'
  promoted_from: hud-4000-1-ii-a-7-roundd-v1.yaml
  program_review: Do the P&Ps enforce separation of duties so the pre-endorsement reviewer was not involved in originating, processing, or underwriting that specific Mortgage?
  file_review: Pull cases; confirm via reviewer-identity/role logs that the pre-endorsement reviewer was independent of that loan's origination/processing/underwriting.
  judgment: false
- id: hud-4000-1-ii-a-7-case-binder-contains-all-documentation
  canonical_id: hud-4000-1-ii-a-7-case-binder-contains-all-documentation
  section: "HUD Handbook 4000.1 II.A.7.a — Case binder contains all documentation supporting approval"
  description: "The case binder shall contain all documentation relied upon by\n[LENDER] (Mortgagee) to justify its decision to approve the\nMortgage. The case binder is the post-closing evidentiary record\nFHA will inspect — every supporting document must be in it.\n"
  type: do
  audit_question: For every FHA case binder, can [LENDER] reconcile the binder contents against the underwriting decision documentation and confirm every supporting document relied upon is present?
  workflow_phase: loan_origination
  owner_role: quality_control_manager
  secondary_owner_role: underwriting_manager
  cadence: per-fha-case
  consequence: Missing approval-justification documents in the case binder is a foundational FHA QC defect.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - case-binder
  - approval-documentation
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.7.a — Pre-endorsement Review"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'The case binder must contain all documentation relied upon by the Mortgagee to justify its decision to approve the Mortgage.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.7.a case-

      binder-all-documentation operative requirement.

      '
  promoted_at: '2026-05-25T19:04:54+00:00'
  promoted_from: hud-4000-1-ii-a-7-roundd-v1.yaml
  program_review: Do the P&Ps ensure the case binder contains all documentation relied upon to justify the approval decision?
  file_review: Reconcile case-binder contents against the underwriting decision documentation; confirm every relied-upon supporting document is present.
  judgment: false
- id: hud-4000-1-ii-a-7-all-documents-legible
  canonical_id: hud-4000-1-ii-a-7-all-documents-legible
  section: "HUD Handbook 4000.1 II.A.7.b — All pre-endorsement-review documents must be legible"
  description: 'When [LENDER] (Mortgagee) conducts the pre-endorsement review,

    all documents reviewed must be legible. Illegible scans or

    faxed-from-faxed documents that obscure key terms (signatures,

    dates, dollar amounts, addresses) cannot satisfy the review

    requirement and can trigger case-binder deficiency findings.

    '
  type: do
  audit_question: "Can [LENDER] evidence (via QC sampling or systematic legibility check) that documents in the FHA case binder are legible — and that any illegibility was remediated before endorsement submission?"
  workflow_phase: loan_origination
  owner_role: quality_control_manager
  secondary_owner_role: closing_specialist
  cadence: per-fha-case
  consequence: Illegible case-binder documents are a FHA QC defect; can trigger insurance-eligibility re-review.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - document-legibility
  - pre-endorsement-review
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.7.b — Mortgagee Pre-endorsement Review Requirements"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'All documents must be legible.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.7.b document-

      legibility operative requirement.

      '
  promoted_at: '2026-05-25T19:04:55+00:00'
  promoted_from: hud-4000-1-ii-a-7-roundd-v1.yaml
  program_review: Do the P&Ps facilitate a legibility check so illegible documents are caught and remediated before endorsement submission?
  file_review: Review a QC sample for legibility of key terms (signatures, dates, amounts, addresses); the compliance person judges whether any document is illegible and whether it was remediated.
  judgment: true
- id: hud-4000-1-ii-a-7-note-authoritative-copy-name-match
  canonical_id: hud-4000-1-ii-a-7-note-authoritative-copy-name-match
  section: "HUD Handbook 4000.1 II.A.7.b.iii — Note is Authoritative Copy + borrower name matches HUD-92900-LT + Model Note language"
  description: '[LENDER] (Mortgagee) shall confirm that the Note is the

    Authoritative Copy, the Borrower name on the Note matches form

    HUD-92900-LT, and the required language from the Model Note is

    present. These three verifications protect lien enforceability,

    identity-of-borrower correctness, and FHA conformance of the

    promissory instrument.

    '
  type: do
  audit_question: For every FHA case, can [LENDER] evidence (a) the Note's Authoritative Copy status, (b) name match between Note and HUD-92900-LT, and (c) presence of required Model Note language?
  workflow_phase: loan_origination
  owner_role: closing_specialist
  secondary_owner_role: quality_control_manager
  cadence: per-fha-case
  consequence: Non-Authoritative-Copy Note, name mismatches, or missing Model Note language are FHA QC defects with insurance-eligibility consequences.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - note-verification
  - authoritative-copy
  - model-note
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.7.b.iii — Note (Including Any Secondary Mortgage)"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'The Mortgagee must confirm that the Note is the Authoritative Copy, the Borrower name on the Note matches form HUD-92900-LT, and the required language from the Model Note is present.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.7.b.iii

      Note-Authoritative-Copy + name-match + Model Note language

      operative requirement.

      '
  promoted_at: '2026-05-25T19:04:55+00:00'
  promoted_from: hud-4000-1-ii-a-7-roundd-v1.yaml
  program_review: Do the P&Ps ensure pre-endorsement verification that the Note is the Authoritative Copy, the Borrower name matches HUD-92900-LT, and required Model Note language is present?
  file_review: Pull cases; confirm the Note's Authoritative Copy status, the name match to HUD-92900-LT, and presence of required Model Note language.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-25T19:04:55+00:00'
  candidate_path: obligations\_remediation\round-d-investor-guides\hud-4000-1-ii-a-7-roundd-v1.yaml
  candidates_promoted: 5
  candidates_skipped_existing: 0
