source:
  type: guide
  id: hud-4000-1-i-a-general-requirements
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — a. General
    Requirements (03/14/2016)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — a. General
    Requirements (03/14/2016).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-a-general-requirements-full
  canonical_id: hud-4000-1-i-a-general-requirements-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — a. General Requirements
    (03/14/2016)
  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. General
      Requirements (03/14/2016)
    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. General Requirements (03/14/2016) i. Standard (A) Recertification
      Process To retain its FHA approval, a Mortgagee must, unless otherwise noted,
      complete FHA’s recertification process on an annual basis. (B) Filing Deadline
      Each Mortgagee must submit its recertification package within 90 Days after
      the Mortgagee’s fiscal year end. ii. Required Documentation The Mortgagee must
      submit its annual recertification package through LEAP. The Mortgagee must submit
      the following to recertify its FHA approval: • online certification • recertification
      fee • financial data A Mortgagee that does not wish to retain its FHA approval
      must submit a Change Request for voluntary withdrawal of FHA approval. iii.
      Exception for Recently Approved Mortgagees (A) Standard The Mortgagee is not
      required to submit audited financial statements or pay the recertification fee
      if the initial approval date of the Mortgagee is less than six months prior
      to the end of its fiscal year and the audited financial statements submitted
      for approval are for the period ending not more than six months prior to the
      end of its fiscal year. However, the audited financial statements for the next
      recertification reporting period must cover the period from the date after the
      ending date of its audited financial statements submitted for approval to the
      end of its current fiscal year. The period covered by the renewal audit cannot
      exceed 18 months. (B) Required Documentation At the close of the first, full
      fiscal year following receipt of FHA approval, the Mortgagee must submit audited
      financial statements covering the period from the ending date of the financial
      statements used to obtain initial approval, and ending at I. DOING BUSINESS
      WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 8. Annual Recertification
      Handbook 4000.1 71 Last Revised: 11/26/2025 the close of the Mortgagee’s most
      recent fiscal year. Mortgagees may not submit financial statements that cover
      a period of more than 18 months.'
  judgment: false
