source:
  type: guide
  id: hud-4000-1-ii-c-adaptation-of-loan-documents
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Adaptation
    of Loan Documents (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Adaptation
    of Loan Documents (04/29/2024).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-c-adaptation-of-loan-documents-full
  canonical_id: hud-4000-1-ii-c-adaptation-of-loan-documents-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Adaptation
    of Loan Documents (04/29/2024)
  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 II — c. Adaptation
      of Loan Documents (04/29/2024)
    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: 'c. Adaptation of Loan Documents (04/29/2024) Mortgagees must
      make the necessary and appropriate modifications to the Mortgage, Note, and
      the loan agreement to ensure compliance with FHA requirements as well as other
      federal, state, and local laws. Mortgagees may make adaptations without HUD
      approval. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT B. Title II Insured
      Housing Programs Reverse Mortgages 7. Post-closing and Endorsement Handbook
      4000.1 709 Last Revised: 11/26/2025'
  judgment: false
