source:
  type: guide
  id: hud-4000-1-iii-b-non-incentivized-loan-modification-reporting
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Non-Incentivized
    Loan Modification Reporting (10/01/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Non-Incentivized
    Loan Modification Reporting (10/01/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-b-non-incentivized-loan-modification-reporting-full
  canonical_id: hud-4000-1-iii-b-non-incentivized-loan-modification-reporting-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Non-Incentivized
    Loan Modification Reporting (10/01/2025)
  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 — b. Non-Incentivized
      Loan Modification Reporting (10/01/2025)
    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: 'b. Non-Incentivized Loan Modification Reporting (10/01/2025)
      The Mortgagee must report the characteristics of all Loan Modifications for
      which no claim is filed in FHA Connection (FHAC) within 90 Days of the executed
      Loan Modification. These characteristics are the following: • Mortgage Amount
      – The amount of the modified Mortgage. • Interest Rate – The new interest rate
      for the modified Mortgage. • Agreement Date – This must be before the new first
      payment date and at least 90 Days from the last agreement date. It is recommended
      that the execution date is entered in this field. For instances in which this
      is not possible, the approval date may be used. • First Payment Date – The new
      first payment due date after the Mortgage was modified. • Maturity Date – The
      new maturity date for the modified Mortgage. III. SERVICING AND LOSS MITIGATION
      B. Title II Insured Housing Programs Reverse Mortgages 1. Servicing of FHA-Insured
      HECMs Handbook 4000.1 1442 Last Revised: 11/26/2025 B. TITLE II INSURED HOUSING
      PROGRAMS REVERSE MORTGAGES This section provides the standards and procedures
      applicable to the servicing of Home Equity Conversion Mortgages (HECM) insured
      under Section 255 of the National Housing Act. The Mortgagee must fully comply
      with all of the following standards and procedures when servicing a HECM insured
      by the Federal Housing Administration (FHA). 1. Servicing of FHA-Insured HECMs
      Only FHA-approved Mortgagees may service FHA-insured HECMs. Mortgagees may service
      HECMs they hold or that are held by other FHA-approved Mortgagees.'
  judgment: false
