source:
  type: guide
  id: hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication
    with Borrowers and Authorized Third Parties (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication
    with Borrowers and Authorized Third Parties (04/29/2024).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2-full
  canonical_id: hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication
    with Borrowers and Authorized Third Parties (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 — d. Communication
      with Borrowers and Authorized Third Parties (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: 'd. Communication with Borrowers and Authorized Third Parties
      (04/29/2024) i. Definition Authorized Third Parties refer to parties who are
      not Borrowers on the Mortgage but who are authorized to communicate with the
      Mortgagee regarding a Mortgage. ii. Standard The Mortgagee must provide mortgage
      information and arrange for individual consultation, upon request by the Borrowers.
      The Mortgagee must comply with all laws, rules, and requirements applicable
      to third- party access to mortgage information. iii. Required Documentation
      If communicating with an Authorized Third Party, the Mortgagee must include
      documentation of the authorization in the servicing binder: • a copy of a signed
      authorization from the Borrower; • a copy of a Power of Attorney (POA), order
      of guardianship, or other legal documentation authorizing that third party to
      act on behalf of the Borrower; or • other legal documentation showing authorization
      to access the Borrower’s records. III. SERVICING AND LOSS MITIGATION B. Title
      II Insured Housing Programs Reverse Mortgages 1. Servicing of FHA-Insured HECMs
      Handbook 4000.1 1446 Last Revised: 11/26/2025'
  judgment: false
