source:
  type: guide
  id: hud-4000-1-iii-f-imminent-default
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Imminent
    Default (10/01/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Imminent
    Default (10/01/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-f-imminent-default-full
  canonical_id: hud-4000-1-iii-f-imminent-default-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Imminent
    Default (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 — f. Imminent
      Default (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: 'f. Imminent Default (10/01/2025) i. Definition A Borrower facing
      Imminent Default is defined as a Borrower who is current or less than 30 Days
      past due on their Mortgage Payment and is experiencing a significant, documented
      reduction in income or some other hardship that will prevent them from making
      the next required Mortgage Payment during the month that it is due. ii. Standard
      The Mortgagee must obtain documentation necessary to verify that the Borrower
      is experiencing a significant reduction in income or some other hardship that
      will prevent them from making the next required Mortgage Payment during the
      month that it is due. The Mortgagee must obtain, electronically or in hard copy,
      the following certification from the Borrower: I am/We are experiencing a reduction
      in income or the following hardship(s) that will prevent me/us from making the
      next required Mortgage Payment due on ____________ during the month that it
      is due: _____________________________________________________________________
      ____________________________________________________________________. I/We,
      the undersigned, certify under penalty of perjury that the information provided
      above is true and correct. WARNING: Anyone who knowingly submits a false claim
      or makes a false statement is subject to criminal and/or civil penalties, including
      confinement for up to five years, fines, and civil and administrative penalties.
      (18 U.S.C. §§ 287, 1001, 1010, 1012, 1014; 31 U.S.C. §§ 3729, 3802). iii. Required
      Documentation The Mortgagee must document the basis for the determination that
      the Borrower’s financial condition will result in a Default and the Borrower’s
      certification in its Servicing File. III. SERVICING AND LOSS MITIGATION A. Title
      II Insured Housing Programs Forward Mortgages 2. Default Servicing Handbook
      4000.1 1190 Last Revised: 11/26/2025'
  judgment: false
