source:
  type: guide
  id: hud-4000-1-iii-a-servicing-roles-and-responsibilities
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing
    Roles and Responsibilities (10/01/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing
    Roles and Responsibilities (10/01/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-a-servicing-roles-and-responsibilities-full
  canonical_id: hud-4000-1-iii-a-servicing-roles-and-responsibilities-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing
    Roles and Responsibilities (10/01/2025)
  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 III — a. Servicing
      Roles and Responsibilities (10/01/2025)
    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. Servicing Roles and Responsibilities (10/01/2025) i. Definitions
      The Mortgage Holder is the entity who holds title to the FHA-insured Mortgage
      and has the right to enforce the mortgage agreement. The Mortgage Servicer (Servicer)
      is the entity responsible for performing servicing actions on FHA-insured Mortgages
      on its behalf or on behalf of or at the direction of another FHA-approved Mortgagee.
      ii. Standard Mortgage Holders must ensure all FHA-insured Mortgages are serviced
      by a Servicer in accordance with FHA requirements and all applicable laws. Servicers
      must service all FHA-insured Mortgages in accordance with FHA requirements and
      all applicable laws. (A) Laws and Requirements Applicable to Mortgage Servicing
      [Text was deleted in this section.] Mortgagees must comply with all laws, rules,
      and requirements applicable to mortgage servicing, including full compliance
      with the applicable requirements under the purview of the Consumer Financial
      Protection Bureau (CFPB), including the Real Estate Settlement Procedures Act
      (RESPA) and the Truth in Lending Act (TILA), and, if applicable, Ginnie Mae’s
      mortgage-backed securities requirements. (B) Contract Terms Where mortgage contract
      terms are more stringent or restrictive than those provided for in applicable
      law, the Mortgagee must comply with the mortgage contract terms. III. SERVICING
      AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 1.
      Servicing of FHA-Insured Mortgages Handbook 4000.1 1155 Last Revised: 11/26/2025
      (C) Nondiscrimination Policy Mortgagees must comply with all antidiscrimination
      laws, rules, and requirements applicable to servicing performing FHA-insured
      Mortgages and FHA-insured Mortgages in Default, including full compliance with
      the applicable requirements of: • the Fair Housing Act, 42 U.S.C. §§ 3601–3619;
      • the Fair Credit Reporting Act (FCRA), 15 U.S.C. §§ 1681a‒1681x; and • the
      Equal Credit Opportunity Act (ECOA), 15 U.S.C. §§ 1691a‒1691f. The Mortgagee
      must make all determinations with respect to the adequacy of the Borrower’s
      income in a uniform manner that does not discriminate because of the race, color,
      religion, sex, age, national origin, familial status, disability, marital status,
      receipt of public assistance, because an applicant has in good faith exercised
      any right under the Consumer Credit Protection Act, or location of the Property.'
  judgment: false
