source:
  type: guide
  id: hud-4000-1-ii-c-direct-endorsement-lender-review-and-approval-process
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Direct
    Endorsement Lender Review and Approval Process (10/15/2019)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Direct
    Endorsement Lender Review and Approval Process (10/15/2019).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-c-direct-endorsement-lender-review-and-approval-process-full
  canonical_id: hud-4000-1-ii-c-direct-endorsement-lender-review-and-approval-process-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Direct Endorsement
    Lender Review and Approval Process (10/15/2019)
  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 II — c. Direct
      Endorsement Lender Review and Approval Process (10/15/2019)
    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: 'c. Direct Endorsement Lender Review and Approval Process (10/15/2019)
      i. Definition Direct Endorsement Lender Review and Approval Process (DELRAP)
      refers to the review of a Condominium Project by a Mortgagee that has been granted
      DELRAP authority. ii. Standard DELRAP may be used for the Full Review, Recertification
      Review, or Phasing Review. The Recertification Review or Phasing Review must
      be completed by the same Mortgagee that previously approved the Condominium
      Project. DELRAP may not be used for MHCPs, newly converted Condominium Projects
      or any project that has completed a Resolution of Financial Distress Event within
      the past 36 months. If the DELRAP review indicates that the Condominium Project
      is ineligible, the Mortgagee must complete the review and enter the denial decision
      and data into FHAC. If the Mortgagee starts a review for a Condominium Project,
      the Mortgagee must complete review. A Mortgagee with DELRAP authority may submit
      a Condominium Project for approval under HRAP. iii. Submission Process FHAC
      is the system used to record, list and track all data for Condominium Projects
      that have been processed. FHAC is used for data entry, processing and reporting.
      Mortgagees must use FHAC to: • determine the existing approval status of a Condominium
      Project; • enter the Condominium Project information; • assign the approval
      status after the Condominium Project has been reviewed; and • upload required
      Condominium Project documents in a PDF. The Mortgagee must retain all documentation
      related to the Condominium Project’s DELRAP review for a period of seven years
      and must provide the Condominium Project information and documentation to HUD/FHA
      upon request. Mortgagees with Conditional DELRAP Authority must also follow
      the guidance in Conditional DELRAP Authority. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      C. Condominium Project Approval 3. Project Approval Submission Handbook 4000.1
      806 Last Revised: 11/26/2025'
  judgment: false
