source:
  type: guide
  id: hud-4000-1-i-b-online-application
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Online
    Application (04/18/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Online
    Application (04/18/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-b-online-application-full
  canonical_id: hud-4000-1-i-b-online-application-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Online Application
    (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 — b. Online
      Application (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: 'b. Online Application (04/18/2023) An applicant seeking FHA
      approval must submit an online application containing all information and documentation
      required to demonstrate eligibility for approval as provided in this section.
      Applicants must ensure that all information contained in and documentation submitted
      with the application is true, complete, and up to date as of the date of submission
      of the application. i. Application Information (A) Standard The applicant must
      provide the following information as part of a completed application for FHA
      approval: • general information (such as the applicant name, date the applicant
      was established, Taxpayer Identification Number (TIN), Nationwide Mortgage Licensing
      System and Registry Unique Identifier (NMLS ID), etc.); • contact information
      (the primary contact information for all inquiries related to the application);
      • addresses (the geographic and mailing addresses for the applicant’s home office);
      • Mortgagee type (the type of FHA Mortgagee approval being sought: Supervised,
      Nonsupervised, Government, or Investing); I. DOING BUSINESS WITH FHA A. FHA
      Lenders and Mortgagees (09/20/2021) 3. Application and Eligibility Requirements
      for Approval Handbook 4000.1 6 Last Revised: 11/26/2025 • Mortgagee function
      (the functions being sought: originate/underwrite, service, and/or hold); •
      FHA program participation (the FHA program participation being sought: Title
      I, Title II Single Family, and/or Title II Multifamily); • Corporate Officers
      (the names, titles, and Social Security Numbers (SSN) for all Corporate Officers
      who will be directly involved in managing, overseeing, or conducting FHA business
      and the designated Officer in Charge); and • Principal Owners (the names, SSN
      or TIN, and percent ownership). (B) Required Documentation The applicant must
      submit all of the application information in the online application. ii. Application
      Documentation (A) Standard The applicant must provide supporting documentation
      to demonstrate that it is eligible for FHA approval. (B) Required Documentation
      The applicant must submit all eligibility documentation listed in the table
      below that is required for the type of approval being sought. This documentation
      must be submitted in the online application. Documents Required for Application
      Supervised Mortgagee Nonsupervised Mortgagee Government Mortgagee Investing
      Mortgagee Federally Regulated1 Not Federally Regulated Business Formation Documents
      ✓ ✓ Commercial Credit Report of Mortgagee ✓ ✓ Credit Reports of Principal Owners
      and Corporate Officers ✓ ✓ Resumes of Corporate Officers ✓ ✓ ✓ Resume of Officer
      in Charge ✓ ✓ ✓ ✓ ✓ State License or Registration ✓ ✓ ✓ ✓ I. DOING BUSINESS
      WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 3. Application and Eligibility
      Requirements for Approval Handbook 4000.1 7 Last Revised: 11/26/2025 Documents
      Required for Application Supervised Mortgagee Nonsupervised Mortgagee Government
      Mortgagee Investing Mortgagee Federally Regulated1 Not Federally Regulated Financial
      Reports ✓ ✓ ✓ ✓ Funding Program ✓ ✓ Fidelity Bond ✓ ✓ ✓ ✓ ✓ Errors and Omissions
      Insurance ✓ ✓ ✓ ✓ ✓ Quality Control Plan ✓ ✓ ✓ ✓² ✓² 1Federally regulated refers
      to an entity that is a member of the Federal Reserve System or whose accounts
      are insured by the FDIC or the NCUA. 2Only applicable to Investing Mortgagees
      applying for Servicing Authority. iii. Certification of Compliance (A) Standard
      As part of its application, the applicant, through a Corporate Officer, must
      complete a series of certification statements that address the applicant’s compliance
      with FHA requirements. (B) Required Documentation The certification statements
      must be completed in the online application by a Corporate Officer of the applicant
      who has been included in the list of Corporate Officers in the online application.
      (C) Unable to Certify If an applicant is unable to certify to any of the certification
      statements, the applicant must submit a detailed explanation in the online application
      for each certification that it is unable to complete. The document must: • explain
      in detail the reason(s) why the applicant is unable to certify; • be on the
      applicant’s letterhead; • be dated; • be signed by the Corporate Officer who
      signs the application; and • contain language certifying that, if approved,
      the applicant will comply with all FHA requirements. I. DOING BUSINESS WITH
      FHA A. FHA Lenders and Mortgagees (09/20/2021) 3. Application and Eligibility
      Requirements for Approval Handbook 4000.1 8 Last Revised: 11/26/2025 (D) FHA
      Review FHA will review the applicant’s explanation for being unable to certify
      and communicate to the applicant any additional information or documentation
      needed to render a final decision regarding the applicant’s ability to complete
      the application process. iv. Application Fee (A) Standard The applicant must
      pay a non-refundable application fee when submitting an application for approval.
      Applicants applying for both Title I and Title II approval, whether simultaneously
      or separately, will only be assessed a single application fee. (B) Exception
      Applicants applying for approval as Government Mortgagees or applicants organized
      as nonprofits are not required to pay an application fee. (C) Required Documentation
      The application fee must be submitted as part of the online application.'
  judgment: false
