source:
  type: guide
  id: hud-4000-1-ii-a-direct-loan
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Direct
    Loan (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Direct
    Loan (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-a-direct-loan-full
  canonical_id: hud-4000-1-ii-a-direct-loan-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Direct Loan
    (05/09/2022)
  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 II — a. Direct
      Loan (05/09/2022)
    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. Direct Loan (05/09/2022) i. Definition A Direct Loan process
      refers to where the Borrower applies directly to the Lender or its sponsored
      TPO for the Loan without assistance from a Dealer, contractor, or third party
      that has a financial interest in the loan transaction. A Dealer’s recommendation
      of a Lender to a Borrower is not considered a Dealer Loan. ii. Standard The
      credit application, signed by the Borrower, must be filled out by the Borrower
      or by a person acting at the direction of the Borrower who is not a Dealer,
      contractor, or third party that has a financial interest in the loan transaction.
  judgment: false
