source:
  type: regulation
  id: hud-4000-1-iii-a-2-i
  authority: "HUD Handbook 4000.1 III.A.2.i — Loss Mitigation Home Retention Options"
  description: 'HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.i.

    See obligation entries for operative requirements and verbatim

    primary-source citations.

    '
obligations:
- id: hud-4000-1-iii-a-2-i-repayment-plan-affordability-review
  canonical_id: hud-4000-1-iii-a-2-i-repayment-plan-affordability-review
  section: "HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Repayment Plans Standard"
  description: '[LENDER] must review the Borrower for a Repayment Plan if the Borrower

    affirms the monthly installment amount required under the terms of

    the Repayment Plan Agreement is affordable.

    '
  type: do
  audit_question: For every Borrower who affirmed affordability under a proposed Repayment Plan Agreement, can [LENDER] evidence a documented Repayment Plan review?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-loss-mit-evaluation
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - loss-mitigation
  - repayment-plan
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Standard"
    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 Mortgagee must review the Borrower for a Repayment Plan if the Borrower '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.i.ii(A)(2)) at 2026-05-23.
  promoted_at: '2026-05-23T00:47:00+00:00'
  promoted_from: hud-4000-1-iii-a-2-i-roundb-v1.yaml
  program_review: Do the P&Ps ensure a Repayment Plan review is performed whenever the Borrower affirms the plan's monthly installment is affordable?
  file_review: Pull files where the Borrower affirmed affordability; confirm a documented Repayment Plan review.
  judgment: false
- id: hud-4000-1-iii-a-2-i-repayment-plan-24-month-cap
  canonical_id: hud-4000-1-iii-a-2-i-repayment-plan-24-month-cap
  section: "HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Repayment Plans Standard, Term Cap"
  description: '[LENDER] must ensure the term of the Repayment Plan does not exceed

    24 months, and must require the delinquency to be repaid in equal

    monthly installments, in addition to the Mortgage Payments, over the

    term of the Repayment Plan.

    '
  type: do
  audit_question: For every Repayment Plan Agreement, can [LENDER] evidence that the plan term does not exceed 24 months and that the delinquency is repaid in equal monthly installments in addition to the Mortgage Payments over the term?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: per-loss-mit-workout
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - loss-mitigation
  - repayment-plan
  - 24-month-term
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Standard"
    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: "• ensure the term of the Repayment Plan does not exceed 24 months; and "
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.i.ii(A)(2)) at 2026-05-23.
  promoted_at: '2026-05-23T00:47:00+00:00'
  promoted_from: hud-4000-1-iii-a-2-i-roundb-v1.yaml
  program_review: Do the P&Ps ensure Repayment Plan terms do not exceed 24 months and the delinquency is repaid in equal monthly installments in addition to the Mortgage Payments?
  file_review: Pull Repayment Plan Agreements; confirm term <= 24 months and equal-installment-plus-payment structure.
  judgment: false
- id: hud-4000-1-iii-a-2-i-repayment-plan-agreement-15-day-delivery
  canonical_id: hud-4000-1-iii-a-2-i-repayment-plan-agreement-15-day-delivery
  section: "HUD Handbook 4000.1 III.A.2.i.ii(A)(4) — Repayment Plan Agreement"
  description: '[LENDER] must provide the Borrower with the Repayment Plan Agreement

    at least 15 Days before the date the first installment is due. The

    Borrower is not required to sign and return the Repayment Plan

    Agreement.

    '
  type: do
  audit_question: For every Repayment Plan Agreement, can [LENDER] evidence delivery to the Borrower at least 15 Days before the first installment due date?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-loss-mit-workout
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - loss-mitigation
  - repayment-plan
  - 15-day-delivery
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.2.i.ii(A)(4) — Repayment Plan Agreement"
    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 Mortgagee must provide the Borrower with the Repayment Plan Agreement '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.i.ii(A)(4)) at 2026-05-23.
  promoted_at: '2026-05-23T00:47:00+00:00'
  promoted_from: hud-4000-1-iii-a-2-i-roundb-v1.yaml
  program_review: Do the P&Ps ensure the Repayment Plan Agreement is delivered to the Borrower at least 15 Days before the first installment due date (Borrower signature not required)?
  file_review: Pull Repayment Plan Agreements; confirm delivery at least 15 Days before the first installment due date.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:47:00+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-2-i-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
