source:
  type: guide
  id: hud-4000-1-ii-e-endorsement-and-post-endorsement-2
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement
    and Post-endorsement (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement
    and Post-endorsement (04/29/2024).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-e-endorsement-and-post-endorsement-2-full
  canonical_id: hud-4000-1-ii-e-endorsement-and-post-endorsement-2-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement
    and Post-endorsement (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 — e. Endorsement
      and Post-endorsement (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: 'e. Endorsement and Post-endorsement (04/29/2024) i. Endorsement
      Upon successful completion of a pre-endorsement review by FHA, an electronic
      Mortgage Insurance Certificate (MIC) will be issued. The HECM becomes insured
      on the date the MIC is issued. ii. Post-endorsement (A) Confirming Status of
      the Mortgage Insurance Certificate The Mortgagee can confirm the endorsement
      status of a HECM using FHAC or the FHA Connection Business to Government (FHAC-B2G)
      application. (B) Obtaining the Mortgage Insurance Certificate When requesting
      the MIC, the Mortgagee must specify whether it is to be prepared in the name
      of the originator (principal) or authorized agent, as it appears in HUD systems.
      The MIC will be issued electronically. The Mortgagee can download and print
      copies of the MIC as needed from FHAC. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      B. Title II Insured Housing Programs Reverse Mortgages 7. Post-closing and Endorsement
      Handbook 4000.1 725 Last Revised: 11/26/2025 (C) Corrections to the Mortgage
      Insurance Certificate To obtain a correction to the MIC, the Mortgagee must
      submit the MIC Correction Request Template to the FHA Resource Center. This
      form may be used to correct the property address, Borrower name, ADP Code, interest
      rate, SSN, FHA case number, MCA, Principal Limit amount, or other information
      contained in the MIC. (D) Corrections to Original Instruments The Mortgagee
      must follow applicable local law when making corrections to the original instruments.
      If new instruments are executed as required by local law, the Mortgagee must
      submit the new instruments prior to insurance endorsement. (E) Partial Release
      of Security FHA approval for partial release of security is required except
      in limited circumstances. See the Servicing and Loss Mitigation section of Handbook
      4000.1 for more information. iii. HECM File Retention The Mortgagee must retain
      their HECM file, including the case binder, in either hard copy or electronic
      format for a period of two years from the date of endorsement. II. ORIGINATION
      THROUGH POST-CLOSING/ENDORSEMENT B. Title II Insured Housing Programs Reverse
      Mortgages'
  judgment: false
