FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)

hud-4000-1-iii-a-use-of-counseling-agencies

FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024).

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source:
  type: guide
  id: hud-4000-1-iii-a-use-of-counseling-agencies
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024).
  coverage_tier: operative
obligations:
  - id: hud-4000-1-iii-a-use-of-counseling-agencies-full
    canonical_id: hud-4000-1-iii-a-use-of-counseling-agencies-full
    section: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)
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      - tier-operative
    primary_source:
      tier: 1
      authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)
      source_class: hud-handbook
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
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      paragraph_quote: 'a. Use of Counseling Agencies (04/29/2024) The Mortgagee must refer the Borrower to a HUD-approved housing counseling agency in the area where the Property is located when obligations under the HECM are not being met by the Borrower. The Mortgagee should refer the Borrower to a counseling agency before submitting a due and payable request. III. SERVICING AND LOSS MITIGATION B. Title II Insured Housing Programs Reverse Mortgages 2. Default Servicing Handbook 4000.1 1487 Last Revised: 11/26/2025'

Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024) — 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.

FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)

a. Use of Counseling Agencies (04/29/2024) The Mortgagee must refer the Borrower to a HUD-approved housing counseling agency in the area where the Property is located when obligations under the HECM are not being met by the Borrower. The Mortgagee should refer the Borrower to a counseling agency before submitting a due and payable request. III. SERVICING AND LOSS MITIGATION B. Title II Insured Housing Programs Reverse Mortgages 2. Default Servicing Handbook 4000.1 1487 Last Revised: 11/26/2025

Source: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024) · source URL · snapshot 8c03836f77f317e1

Operationalizing FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)

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-use-of-counseling-agencies/ · register hud-4000-1-iii-a-use-of-counseling-agencies · Claude for Compliance. Free to read and download; see regulatory updates and methodology.