source:
  type: guide
  id: hud-4000-1-i-d-title-ii-multifamily-accelerated-processing-authority
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Title II
    Multifamily Accelerated Processing Authority (04/18/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Title
    II Multifamily Accelerated Processing Authority (04/18/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-d-title-ii-multifamily-accelerated-processing-authority-full
  canonical_id: hud-4000-1-i-d-title-ii-multifamily-accelerated-processing-authority-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Title II
    Multifamily Accelerated Processing Authority (04/18/2023)
  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 — d. Title
      II Multifamily Accelerated Processing Authority (04/18/2023)
    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: 'd. Title II Multifamily Accelerated Processing Authority (04/18/2023)
      Title II Multifamily Accelerated Processing (MAP) authority permits Mortgagees
      to underwrite and close multifamily Mortgages for FHA insurance with FHA’s review
      prior to closing. The Office of Multifamily Housing grants this authority. Details
      on this authority are in the Multifamily Accelerated Processing (MAP) Guide
      4430.G, which is available in HUD’s Client Information and Policy System (HUDCLIPS).
      e. Title II Direct Endorsement Lender Condominium Project Review and Approval
      Process Authority (10/15/2019) i. Scope of Authority Approval to participate
      in the Direct Endorsement Lender Review and Approval Process (DELRAP) permits
      a Mortgagee to review and approve Condominium Projects and submit the Condominium
      Project for listing on FHA’s Approved Condominium Project list. I. DOING BUSINESS
      WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 5. Supplemental Mortgagee
      Authorities Handbook 4000.1 45 Last Revised: 11/26/2025 (A) Definitions (1)
      Conditional DELRAP Authority Conditional DELRAP Authority refers to the authority
      of a Mortgagee that has provided notice to FHA of its intent to participate
      in DELRAP and requires the Mortgagee to submit all Condominium Project Approvals
      to FHA for review. (2) DELRAP Test Case Phase The DELRAP Test Case Phase refers
      to the time period in which a Mortgagee with Conditional DELRAP Authority is
      required to submit Condominium Project Approvals to FHA for review. (3) Unconditional
      DELRAP Authority Unconditional DELRAP Authority refers to the authority of a
      Mortgagee to approve Condominium Projects in accordance with HUD requirements
      and submit the Condominium Projects for listing on FHA’s Approved Condominium
      Project list without any prior Condominium Project review by FHA. (B) Standard
      To obtain Unconditional DELRAP Authority, the Mortgagee must successfully complete
      the DELRAP Test Case Phase, which permits FHA to evaluate the Mortgagee’s qualifications,
      experience, and expertise to review and approve Condominium Projects. ii. Eligibility
      Requirements (A) Standard The Mortgagee must meet the following requirements
      to apply for and participate in FHA’s DELRAP. (1) FHA Title II Direct Endorsement
      Approval A Mortgagee must have FHA approval as a Title II Unconditional Direct
      Endorsement Mortgagee. (2) Mortgagee Experience The Mortgagee must have originated
      not less than 10 FHA Mortgages in Condominium Projects approved by the Commissioner.
      I. DOING BUSINESS WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 5. Supplemental
      Mortgagee Authorities Handbook 4000.1 46 Last Revised: 11/26/2025 (3) Personnel
      Requirements The Mortgagee must have at least one staff member with a minimum
      of one year of experience underwriting Mortgages on Condominium Units and/or
      reviewing Condominium Projects for FHA approval and must ensure that staff members
      participating in the approval of Condominium Projects either: • meet the experience
      requirement; or • are supervised by staff that meet the one-year experience
      requirement. (4) Quality Control Plan The Mortgagee must have a QC Plan that
      includes specific provisions related to DELRAP. (B) Exception for Certain Mortgagees
      Created by Merger, Acquisition, or Reorganization Unconditional DELRAP Authority
      may be granted without the need for the DELRAP Test Case Phase following a merger,
      acquisition, or reorganization, provided that the following criteria are met:
      • The surviving FHA-approved Mortgagee or the FHA-approved Mortgagee resulting
      in a new FHA Lender ID was granted Unconditional DELRAP Authority prior to the
      merger, acquisition, or reorganization. • If both institutions have Unconditional
      DELRAP Authority, then the management and staff of at least one of the Mortgagees
      involved with the Mortgagee’s Unconditional DELRAP Authority prior to the merger,
      acquisition, or reorganization must continue to exercise those responsibilities
      for the new Mortgagee. • If only one institution has Unconditional DELRAP Authority,
      then the management and staff involved with that Mortgagee’s Unconditional DELRAP
      Authority prior to the merger, acquisition, or reorganization must continue
      to exercise those responsibilities for the new Mortgagee. iii. Application and
      Approval (A) First-Time Applicants (1) Application (a) Request to Enter DELRAP
      Test Case Phase The Mortgagee must apply for Unconditional DELRAP Authority
      by submitting a request to the FHA Resource Center at answers@hud.gov. I. DOING
      BUSINESS WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 5. Supplemental
      Mortgagee Authorities Handbook 4000.1 47 Last Revised: 11/26/2025 (b) Required
      Documentation The Mortgagee must submit a letter signed by a Corporate Officer
      requesting entry into the DELRAP Test Case Phase that: • specifies the Mortgagee’s
      home office 10-digit FHA Lender ID; and • certifies that the staff has met the
      Eligibility Requirements prior to Conditional or Unconditional DELRAP Authority
      being granted. (2) Notification If the Mortgagee meets the requirements for
      DELRAP authority and submits the required documentation, FHA will advise the
      Mortgagee in writing that they may proceed with submitting Condominium Project
      Test Cases for review. (3) Test Case Process Mortgagees with Conditional DELRAP
      Authority must review the Condominium Project in accordance with the Condominium
      Project Approval requirements to determine if the Condominium Project meets
      FHA approval requirements. (4) Test Case Submission Requirements The Mortgagee
      must submit all Test Cases to the FHA Resource Center at answers@hud.gov. FHA
      will review these Test Cases for compliance with FHA’s Condominium Project Approval
      requirements. (5) Approval Decision (a) Approval of Unconditional DELRAP Authority
      The Mortgagee must satisfactorily complete a minimum of five DELRAP reviews
      with no more than one review being rated unacceptable. FHA may require less
      than five DELRAP reviews and will consider previous experience. The Condominium
      Project Test Cases must be submitted within a period of 12 consecutive months
      following the date of application, or such other extended time as determined
      by FHA, in order to be granted Unconditional DELRAP Authority. After the Mortgagee
      successfully completes the required Condominium Project Test Cases, the Mortgagee
      will be notified that they have been granted Unconditional DELRAP Authority.
      (b) Denial of Unconditional DELRAP Authority The Mortgagee will be denied approval
      for Unconditional DELRAP Authority if, at any time during the DELRAP Test Case
      Phase, FHA determines that the Mortgagee’s submissions demonstrate a lack of
      knowledge of FHA requirements, or FHA identifies unacceptable practices. I.
      DOING BUSINESS WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 5. Supplemental
      Mortgagee Authorities Handbook 4000.1 48 Last Revised: 11/26/2025 (i) Denial
      Decision FHA will provide the Mortgagee with notice of a denial of Unconditional
      DELRAP Authority that specifies the reason for the denial. (ii) Denial Appeal
      The applicant may submit an appeal of the denial decision to the FHA Resource
      Center at answers@hud.gov with the following subject line: DELRAP Denial Appeal
      within 30 Days of the date of the denial. (iii) Informal Conference If the denial
      is sustained, the applicant may submit a second appeal to the Office of Single
      Family Program Development through the FHA Resource Center at answers@hud.gov.
      The Director or designee will conduct an informal conference with the Mortgagee
      and its counsel, if any, no later than 60 Days from the date of FHA’s initial
      denial of the appeal. (iv) Determination FHA will issue a determination following
      the informal conference stating whether Unconditional DELRAP Authority is approved
      or denied. (v) Reapplication following Denial If Unconditional DELRAP Authority
      is denied, the applicant is ineligible to apply for DELRAP Authority for a period
      of 12 months after the date of the original denial decision or the date of the
      informal conference sustaining the denial decision. (B) Applications from Mortgagees
      Created by Merger, Acquisition, or Reorganization (1) Standard The Mortgagee
      must apply for Unconditional DELRAP Authority by submitting a request to the
      FHA Resource Center at answers@hud.gov. (2) Required Documentation The Mortgagee
      must submit a letter signed by a Corporate Officer requesting Unconditional
      DELRAP Authority that specifies: • the FHA-approved and non-approved entities
      involved in the merger, acquisition, or reorganization; • which entity is the
      surviving entity; • the effective date of the merger, acquisition, or reorganization;
      and I. DOING BUSINESS WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 6.
      Post-approval Operations Handbook 4000.1 49 Last Revised: 11/26/2025 • supporting
      documentation evidencing that the Mortgagee meets the exception criteria. (C)
      Post-approval Requirement (1) FHA Connection Authorization A Mortgagee approved
      for Conditional DELRAP Authority or Unconditional DELRAP Authority must register
      and maintain all Mortgagee employees designated to review/approve Condominium
      Projects in the Condominium Reviewer Registry function in FHAC. 6. Post-approval
      Operations'
  judgment: false
