source:
  type: guide
  id: hud-4000-1-i-h-prohibited-payments
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — h. Prohibited
    Payments (09/14/2015)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — h. Prohibited
    Payments (09/14/2015).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-h-prohibited-payments-full
  canonical_id: hud-4000-1-i-h-prohibited-payments-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — h. Prohibited
    Payments (09/14/2015)
  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 I — h. Prohibited
      Payments (09/14/2015)
    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: 'h. Prohibited Payments (09/14/2015) The Mortgagee, or any of
      the Mortgagee’s employees, must not pay or receive, or permit any other party
      involved in an FHA-insured mortgage transaction to pay or receive, any fee,
      kickback, compensation or thing of value to any person or entity in connection
      with an FHA- insured mortgage transaction, except for services actually performed
      and permitted by HUD. The Mortgagee must not pay a referral fee to any person
      or entity. The Mortgagee is not permitted to: I. DOING BUSINESS WITH FHA A.
      FHA Lenders and Mortgagees (09/20/2021) 6. Post-approval Operations Handbook
      4000.1 53 Last Revised: 11/26/2025 • advance funds to a real estate agent, real
      estate broker, mortgage broker, or packager as an advance of anticipated commissions
      on sales to be financed with an FHA- insured Mortgage to be provided by the
      Mortgagee; • make low interest or no interest Mortgages to a real estate broker,
      real estate agent, mortgage broker, packager, builder or any other party from
      whom the Mortgagee accepts proposals involving FHA-insured Mortgages; or • pay
      a gratuity or make a Gift valued above items that are customarily distributed
      in the normal course of advertising, public relations, or as a general promotion
      device, to any person or entity involved in the Mortgagee’s FHA-insured mortgage
      transactions.'
  judgment: false
