source:
  type: regulation
  id: hud-4000-1-iii-a-2-k
  authority: HUD Handbook 4000.1 III.A.2.k — Loss Mitigation Incentives and Title Reimbursement
  description: 'HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.k.

    See obligation entries for operative requirements and verbatim

    primary-source citations.

    '
obligations:
- id: hud-4000-1-iii-a-2-k-full
  canonical_id: hud-4000-1-iii-a-2-k-full
  section: HUD Handbook 4000.1 III.A.2.k
  description: "Servicing And Loss Mitigation: • the correct and complete claim is submitted to HUD within\
    \ 60 Days of the \nexecution date of the Permanent Home Retention Option or Home Disposition \nThe\
    \ Mortgagee may submit a claim for an incentive for the successful completion of the \napproved Loss\
    \ Mitigation Options, including for Loss Mitigati…"
  type: do
  tags:
  - regulator-direct
  - section-complete
  - hud
  - 4000-1
  - curated
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 III.A.2.k.i — Loss Mitigation Incentives
    source_class: hud-handbook-4000-1
    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: "• the correct and complete claim is submitted to HUD within 60 Days of the \nexecution\
      \ date of the Permanent Home Retention Option or Home Disposition \nThe Mortgagee may submit a claim\
      \ for an incentive for the successful completion of the \napproved Loss Mitigation Options, including\
      \ for Loss Mitigation Options associated with a \nPDMDA (also referred to as Disaster options),\
      \ listed below. \nLoss Mitigation Option \nMortgagee Incentive \nPartial Claim \n$500 for a Partial\
      \ Claim \nLoan Modification (including \nOWL) \n$750 for a Loan Modification \n*Additionally, the\
      \ Mortgagee is eligible to be \nreimbursed up to $250 for fees associated with \ntitle search, title\
      \ policy, and/or recordation. \n$1,750 \nPFS \n$1,000 \nDIL \n$250 \n \nii. Reimbursement for Loan\
      \ Modification Title Search and Recordation \nThe Mortgagee may submit a claim to be reimbursed\
      \ up to $250 for fees associated with \ntitle search, title policy, and/or recordation associated\
      \ for an executed Loan Modification \nwhere: \n• three or more full monthly payments are Delinquent\
      \ (i.e., 61 Days or more \nDelinquent) when the Standalone Loan Modification, Combination Loan \n\
      Modification and Partial Claim, or OWL is approved; \n• the Loss Mitigation Option was completed\
      \ in accordance with FHA requirements; \n• the correct and complete claim for $250 is submitted\
      \ to HUD within 120 Days of \nthe execution date of the Loan Modification, or Loan Modification\
      \ as part of a \nCombination Loan Modification and Partial Claim. \nThe claim for reimbursement\
      \ up to $250 for fees associated with title search, title policy, \nand/or recordation may be included\
      \ with the claim for a Mortgagee incentive. \nMortgagees that do not qualify for an incentive may\
      \ still submit a claim for this \nl. Presidentially-Declared Major Disaster Areas (10/01/2025) \n\
      i. Disaster Declarations \nUnder the Robert T. Stafford Disaster Relief and Emergency Assistance\
      \ Act, the \nPresident has authority to declare a major disaster for any area which has been affected\
      \ \nby damage of sufficient severity and magnitude to warrant major disaster assistance. \nDisaster\
      \ declarations and information regarding available federal assistance for each"
    drafter_attestation: Verbatim section from snapshot 8c03836f77f317e1; boundary human-curated + substring-verified
      (2026-07-23).
  judgment: false
