HUD Handbook 4000.1 III.A.2.i — Loss Mitigation Home Retention Options

hud-4000-1-iii-a-2-i

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.i. See obligation entries for operative requirements and verbatim primary-source citations.

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source:
  type: regulation
  id: hud-4000-1-iii-a-2-i
  authority: HUD Handbook 4000.1 III.A.2.i — Loss Mitigation Home Retention Options
  description: |
    HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.i.
    See obligation entries for operative requirements and verbatim
    primary-source citations.
obligations:
  - id: hud-4000-1-iii-a-2-i-repayment-plan-affordability-review
    canonical_id: hud-4000-1-iii-a-2-i-repayment-plan-affordability-review
    section: HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Repayment Plans Standard
    description: |
      [LENDER] must review the Borrower for a Repayment Plan if the Borrower
      affirms the monthly installment amount required under the terms of
      the Repayment Plan Agreement is affordable.
    type: do
    audit_question: For every Borrower who affirmed affordability under a proposed Repayment Plan Agreement, can [LENDER] evidence a documented Repayment Plan review?
    program_review: Do the P&Ps ensure a Repayment Plan review is performed whenever the Borrower affirms the plan's monthly installment is affordable?
    file_review: Pull files where the Borrower affirmed affordability; confirm a documented Repayment Plan review.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: default_servicing_analyst
    cadence: per-loss-mit-evaluation
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - loss-mitigation
      - repayment-plan
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Standard
      source_class: hud-handbook-4000-1
      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: 'The Mortgagee must review the Borrower for a Repayment Plan if the Borrower '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.i.ii(A)(2)) at 2026-05-23.
    promoted_at: '2026-05-23T00:47:00+00:00'
    promoted_from: hud-4000-1-iii-a-2-i-roundb-v1.yaml
  - id: hud-4000-1-iii-a-2-i-repayment-plan-24-month-cap
    canonical_id: hud-4000-1-iii-a-2-i-repayment-plan-24-month-cap
    section: HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Repayment Plans Standard, Term Cap
    description: |
      [LENDER] must ensure the term of the Repayment Plan does not exceed
      24 months, and must require the delinquency to be repaid in equal
      monthly installments, in addition to the Mortgage Payments, over the
      term of the Repayment Plan.
    type: do
    audit_question: For every Repayment Plan Agreement, can [LENDER] evidence that the plan term does not exceed 24 months and that the delinquency is repaid in equal monthly installments in addition to the Mortgage Payments over the term?
    program_review: Do the P&Ps ensure Repayment Plan terms do not exceed 24 months and the delinquency is repaid in equal monthly installments in addition to the Mortgage Payments?
    file_review: Pull Repayment Plan Agreements; confirm term <= 24 months and equal-installment-plus-payment structure.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: per-loss-mit-workout
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - loss-mitigation
      - repayment-plan
      - 24-month-term
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Standard
      source_class: hud-handbook-4000-1
      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: '• ensure the term of the Repayment Plan does not exceed 24 months; and '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.i.ii(A)(2)) at 2026-05-23.
    promoted_at: '2026-05-23T00:47:00+00:00'
    promoted_from: hud-4000-1-iii-a-2-i-roundb-v1.yaml
  - id: hud-4000-1-iii-a-2-i-repayment-plan-agreement-15-day-delivery
    canonical_id: hud-4000-1-iii-a-2-i-repayment-plan-agreement-15-day-delivery
    section: HUD Handbook 4000.1 III.A.2.i.ii(A)(4) — Repayment Plan Agreement
    description: |
      [LENDER] must provide the Borrower with the Repayment Plan Agreement
      at least 15 Days before the date the first installment is due. The
      Borrower is not required to sign and return the Repayment Plan
      Agreement.
    type: do
    audit_question: For every Repayment Plan Agreement, can [LENDER] evidence delivery to the Borrower at least 15 Days before the first installment due date?
    program_review: Do the P&Ps ensure the Repayment Plan Agreement is delivered to the Borrower at least 15 Days before the first installment due date (Borrower signature not required)?
    file_review: Pull Repayment Plan Agreements; confirm delivery at least 15 Days before the first installment due date.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: default_servicing_analyst
    cadence: per-loss-mit-workout
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - loss-mitigation
      - repayment-plan
      - 15-day-delivery
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.i.ii(A)(4) — Repayment Plan Agreement
      source_class: hud-handbook-4000-1
      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: 'The Mortgagee must provide the Borrower with the Repayment Plan Agreement '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.i.ii(A)(4)) at 2026-05-23.
    promoted_at: '2026-05-23T00:47:00+00:00'
    promoted_from: hud-4000-1-iii-a-2-i-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:47:00+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-2-i-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from HUD Handbook 4000.1 III.A.2.i — Loss Mitigation Home Retention Options — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Repayment Plans Standard

The Mortgagee must review the Borrower for a Repayment Plan if the Borrower

Source: HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Repayment Plans Standard, Term Cap

• ensure the term of the Repayment Plan does not exceed 24 months; and

Source: HUD Handbook 4000.1 III.A.2.i.ii(A)(2) — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.2.i.ii(A)(4) — Repayment Plan Agreement

The Mortgagee must provide the Borrower with the Repayment Plan Agreement

Source: HUD Handbook 4000.1 III.A.2.i.ii(A)(4) — Repayment Plan Agreement · source URL · snapshot 8c03836f77f317e1

Operationalizing HUD Handbook 4000.1 III.A.2.i — Loss Mitigation Home Retention Options

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-a-2-i/ · register hud-4000-1-iii-a-2-i · Claude for Compliance. Free to read and download; see regulatory updates and methodology.