source:
  type: regulation
  id: hud-4000-1-ii-a-1-appraisal-ordering
  authority: "HUD Handbook 4000.1 Part II.A.1.b — Title Commitment + Appraisal Ordering"
  description: 'HUD Handbook 4000.1 Part II.A.1.b subsections (5) and (6) cover

    [LENDER]''s duties to order title commitments and appraisals for each

    FHA case number. The no-appraisal-reuse rule is operationally

    important: even appraisals less than 180 days old cannot be reused

    across case numbers.

    '
obligations:
- id: hud-4000-1-ii-a-1-order-title-commitment
  canonical_id: hud-4000-1-ii-a-1-order-title-commitment
  section: "HUD Handbook 4000.1 II.A.1.b(5) — Order title commitment"
  description: '[LENDER] (Mortgagee) shall order a title commitment for each FHA

    case to ensure the Property will be properly titled and the

    Mortgage secured in accordance with FHA requirements. The title

    commitment is a foundational origination control supporting FHA

    insurance eligibility.

    '
  type: do
  audit_question: For every FHA case originated by [LENDER], can [LENDER] evidence a title commitment was ordered before closing to confirm Property titling and Mortgage security per FHA requirements?
  workflow_phase: loan_origination
  owner_role: loan_processor
  secondary_owner_role: closing_specialist
  cadence: per-fha-case
  consequence: Missing title commitment is a foundational FHA QC defect; can void insurance eligibility.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - title-commitment
  - origination
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.1.b(5) — Ordering Title Commitments"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'The Mortgagee must order a title commitment to ensure the Property will be properly titled and the Mortgage secured in accordance with FHA requirements.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.1.b(5) order-

      title-commitment operative requirement.

      '
  promoted_at: '2026-05-25T18:34:06+00:00'
  promoted_from: hud-4000-1-ii-a-1-appraisal-ordering-roundd-v1.yaml
  program_review: Do the P&Ps ensure a title commitment is ordered on every FHA case before closing to confirm proper titling and first-lien security per FHA requirements?
  file_review: Pull FHA case files; confirm a title commitment was ordered prior to closing.
  judgment: false
  feeds:
  - hud-4000-1-ii-a-6-title-objections-cleared-first-lien
- id: hud-4000-1-ii-a-1-order-new-appraisal-no-reuse
  canonical_id: hud-4000-1-ii-a-1-order-new-appraisal-no-reuse
  section: "HUD Handbook 4000.1 II.A.1.b(6) — Order new appraisal per case number; no reuse"
  description: "[LENDER] (Mortgagee) shall order a NEW appraisal for each FHA case\nnumber assignment and may NOT reuse an appraisal that was performed\nunder another active or endorsed case number — even if the prior\nappraisal is not yet more than 180 days old. This bright-line rule\nis operationally critical: case-number-bound appraisals cannot be\ncross-applied between cases.\n"
  type: do
  audit_question: For every FHA case number [LENDER] assigned, can [LENDER] evidence that a fresh appraisal was ordered for that case number, with no reuse of a prior-case-number appraisal regardless of the prior appraisal's age?
  workflow_phase: loan_origination
  owner_role: loan_processor
  secondary_owner_role: underwriting_manager
  cadence: per-fha-case
  consequence: Appraisal reuse across case numbers is a known FHA QC defect; void appraisal can trigger indemnification.
  tags:
  - round-d
  - regulator-direct
  - fha
  - hud-4000-1
  - appraisal-ordering
  - case-number-binding
  - no-reuse
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 II.A.1.b(6) — Ordering Appraisals"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/40001HSGH.pdf
    snapshot_id: 3bf33edadcf6461d
    fetched_at: '2026-05-25T14:10:11Z'
    content_hash: sha256:e1c2dc1c75ddb0ee32fe5c2fb7c9bb19f1c93b48a3e26e6d63dc6e7f37c92ec0
    paragraph_quote: 'The Mortgagee must order a new appraisal for each case number assignment and may not reuse an appraisal that was performed under another active or endorsed case number, even if the prior appraisal is not yet more than 180 Days old.

      '
    drafter_attestation: 'Copied verbatim from snapshot 3bf33edadcf6461d. II.A.1.b(6) order-

      new-appraisal-per-case-no-reuse operative requirement.

      '
  promoted_at: '2026-05-25T18:34:06+00:00'
  promoted_from: hud-4000-1-ii-a-1-appraisal-ordering-roundd-v1.yaml
  program_review: Do the P&Ps enforce the bright-line rule that a new appraisal is ordered for each case-number assignment, with NO reuse of an appraisal performed under another active or endorsed case number regardless of the prior appraisal's age?
  file_review: Pull case files; confirm the appraisal is bound to that case number and no prior-case-number appraisal was cross-applied.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-25T18:34:06+00:00'
  candidate_path: obligations\_remediation\round-d-investor-guides\hud-4000-1-ii-a-1-appraisal-ordering-roundd-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
