source:
  type: guide
  id: hud-4000-1-iii-a-mortgages-in-delinquency-or-default
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Mortgages
    in Delinquency or Default (03/31/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Mortgages
    in Delinquency or Default (03/31/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-a-mortgages-in-delinquency-or-default-full
  canonical_id: hud-4000-1-iii-a-mortgages-in-delinquency-or-default-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Mortgages
    in Delinquency or Default (03/31/2022)
  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 III — a. Mortgages
      in Delinquency or Default (03/31/2022)
    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. Mortgages in Delinquency or Default (03/31/2022) i. Definitions
      A Mortgage is Delinquent any time a Mortgage Payment is due and not paid. A
      Mortgage is in Default when the Borrower fails to make any payment or perform
      any other obligation under the Mortgage, and such failure continues for a period
      of 30 Days. The date of Default is 30 Days after: • the first uncorrected failure
      to perform any obligation under the Mortgage; or • the first failure to make
      a monthly payment which subsequent payments by the Borrower are insufficient
      to cover when applied to the overdue monthly payment in the order in which they
      become due. III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs
      Forward Mortgages 2. Default Servicing Handbook 4000.1 1186 Last Revised: 11/26/2025
      ii. Standard The Mortgagee must ensure FHA-insured Mortgages in Delinquency
      or Default are serviced in accordance with FHA requirements and applicable laws.
      For the purpose of determining the date of Default and timelines related to
      Default, HUD considers all months to have 30 Days.'
  judgment: false
