source:
  type: guide
  id: hud-4000-1-iii-a-use-of-counseling-agencies
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of
    Counseling Agencies (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use
    of Counseling Agencies (04/29/2024).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-a-use-of-counseling-agencies-full
  canonical_id: hud-4000-1-iii-a-use-of-counseling-agencies-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of
    Counseling Agencies (04/29/2024)
  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. Use
      of Counseling Agencies (04/29/2024)
    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. Use of Counseling Agencies (04/29/2024) The Mortgagee must
      refer the Borrower to a HUD-approved housing counseling agency in the area where
      the Property is located when obligations under the HECM are not being met by
      the Borrower. The Mortgagee should refer the Borrower to a counseling agency
      before submitting a due and payable request. III. SERVICING AND LOSS MITIGATION
      B. Title II Insured Housing Programs Reverse Mortgages 2. Default Servicing
      Handbook 4000.1 1487 Last Revised: 11/26/2025'
  judgment: false
