source:
  type: guide
  id: hud-4000-1-v-e-servicing-loan-file-compliance-review
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part V — e. Servicing
    Loan File Compliance Review (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part V — e. Servicing
    Loan File Compliance Review (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-v-e-servicing-loan-file-compliance-review-full
  canonical_id: hud-4000-1-v-e-servicing-loan-file-compliance-review-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part V — e. Servicing
    Loan File Compliance Review (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 V — e. Servicing
      Loan File Compliance Review (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: 'e. Servicing Loan File Compliance Review (05/09/2022) i. Minimum
      Requirements Mortgagees must review all aspects of their servicing operations,
      including a review of subserviced Mortgages and activities as they relate to
      FHA-insured Mortgages, to guarantee that all FHA servicing and loss mitigation
      requirements are being met. At a minimum, Mortgagees must include the following
      elements in their QC review to ensure they meet the requirements outlined in
      the Servicing and Loss Mitigation and Claims and Disposition: Requirement Title
      II Review Title I Review Servicing Records ✓ ✓ Document Retention and Legibility
      ✓ ✓ Nondiscrimination Policies ✓ ✓ Borrower Requests, Compliance and Escalated
      Cases ✓ ✓ Fees ✓ ✓ Transfer of Servicing Notification and Records ✓ ✓ Documentation
      of Purchased or Acquired Mortgages ✓ ✓ Mortgage Record Changes ✓ ✓ Escrow Account
      Functions ✓ ✓ Force-placed Insurance ✓ ✓ V. QUALITY CONTROL, OVERSIGHT, AND
      COMPLIANCE A. Quality Control of Lenders and Mortgagees 3. Loan Level Quality
      Control Program Requirements Handbook 4000.1 1714 Last Revised: 11/26/2025 Requirement
      Title II Review Title I Review Prepayments ✓ ✓ MIP ✓ ✓ Early Default Intervention
      ✓ ✓ Loss Mitigation ✓ ✓ Collection Activities ✓ ✓ Reporting to Credit Repositories
      ✓ ✓ Home Retention Option Priority Order (Waterfall) ✓ Home Disposition Options
      ✓ Claims for Insurance Benefits ✓ ✓ Claims Without Conveyance of Title (CWCOT)
      ✓ Foreclosure Proceedings ✓ ✓ Property Preservation and Conveyance ✓ ✓ Deficiency
      Judgments ✓ ✓ Single Family Default Monitoring System (SFDMS) Reporting ✓ Adjustable
      Rate Mortgages (ARM) ✓ Assumptions ✓ ✓ Presidentially-Declared Major Disaster
      Areas (PDMDA) ✓ Hawaiian Home Land Mortgages (Section 247 Mortgages) ✓ Section
      184 Indian Housing Loans ✓ Section 222 Mortgages ✓ Good Neighbor Next Door ✓
      Servicemembers Civil Relief Act (SCRA) ✓ Section 235 Mortgages ✓ Section 203(k)
      Mortgages ✓ Servicing of HECM ✓'
  judgment: false
