source:
  type: guide
  id: hud-4000-1-i-b-direct-endorsement-underwriter-eligibility
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Direct
    Endorsement Underwriter Eligibility (06/27/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Direct
    Endorsement Underwriter Eligibility (06/27/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-b-direct-endorsement-underwriter-eligibility-full
  canonical_id: hud-4000-1-i-b-direct-endorsement-underwriter-eligibility-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Direct Endorsement
    Underwriter Eligibility (06/27/2025)
  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 I — b. Direct
      Endorsement Underwriter Eligibility (06/27/2025)
    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: 'b. Direct Endorsement Underwriter Eligibility (06/27/2025) i.
      Eligibility Requirements The DE underwriter must meet the following requirements:
      • have either a minimum of: o three years experience reviewing credit applications
      and one- to four-unit property appraisals, within the past five years; or o
      two years experience reviewing credit applications and one- to four-unit property
      appraisals, within the past three years, combined with an additional three years
      of such experience within the past ten years; and • be an employee of a single
      Mortgagee; and • be authorized to bind the Mortgagee in matters involving origination
      of mortgages. ii. Ineligible Participants The DE underwriter must not be: •
      listed on the General Services Administration’s (GSA) System for Award Management
      (SAM) or currently subject to a suspension, debarment, Limited Denial of Participation
      (LDP), or other restriction imposed under Part 24 of Title 24 of the Code of
      Federal Regulations, Part 180 of Title 2 of the Code of Federal Regulations
      as implemented by Part 2424 of Title 2, or any successor regulations to such
      parts, or under similar provisions of any other federal or state agency; • under
      indictment for, or have been convicted of, an offense that reflects adversely
      upon the underwriter’s integrity, competence or fitness to meet the responsibilities
      of a DE underwriter; • subject to any Unresolved Findings made specifically
      against the underwriter as the result of any HUD or other governmental investigation
      or audit; • engaged in business practices that do not conform to generally accepted
      practices of prudent underwriters or that demonstrate irresponsibility; • convicted
      of, or have pled guilty or nolo contendere to, a felony related to participation
      in the real estate or mortgage industry: o during the seven-year period preceding
      the date of registration in FHA Connection (FHAC); or o at any time preceding
      the date of registration in FHAC, if such felony involved an act of fraud, dishonesty,
      or a breach of trust, or money laundering; or • in violation of provisions of
      the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)
      (12 U.S.C. § 5101 et seq.) or its equivalent under state law, including all
      Nationwide Mortgage Licensing System and Registry (NMLS) requirements. I. DOING
      BUSINESS WITH FHA B. Other Participants 4. Nonprofits and Governmental Entities
      Handbook 4000.1 86 Last Revised: 11/26/2025 Additionally, the DE underwriter
      must not have Conflicts of Interest.'
  judgment: false
