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Closing and Insuring
Allowable Closing Costs/Fees
Can a borrower be charged an Administrative Fee by the real estate broker on an FHA loan?
Can a borrower pay his own real estate agent a buyer/broker fee?
Can a lender charge a Commitment or Rate Lock Fee?
Can discount points be financed on a 203(k) transaction?
Can fees paid by a borrower outside of closing be included as part of the Minimum Required Investment?
Can I include costs for taxes and insurance in the new loan?
Does FHA allow a non-FHA approved mortgage broker to be paid a broker fee on an FHA mortgage?
How do I determine the start date for interest collection?
If a borrower pays fees outside of closing can they be included as part of the required investment?
Is the Mortgagee required to verify an earnest money deposit?
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Case Binder Submission
How long do I have to submit my case binder for endorsement?
Where can a Mortgagee find the instructions to submit case binders for FHA Mortgage Insurance?
Who supplies case binders?
Case Cancellation
How do I process a case number cancellation?
Case Processing Status
How does a lender check the status of their Case Processing request?
Case Reinstatement
How does a lender reinstate a case number canceled in error on an FHA loan?
Case Transfer
How do lenders transfer a case number to a new lender or sponsored originator?
Who do I contact if another FHA-approved Lender is unresponsive to a request to transfer an FHA Case Number?
Documentation Requirements
Are there special documentation requirements for Construction to Permanent Mortgages?
Can a DE lender originate FHA loans as a sponsored TPO?
Can a non-purchasing spouse or non-borrowing party with ownership sign the security instruments?
Can an FHA lender acting as a sponsored TPO close a loan in its name if it does not have its DE yet?
Can I make corrections to the security instruments prior to endorsement?
Can I use a Power of Attorney when originating an FHA insured loan?
Does FHA accept electronic signatures on documents?
Does the redesigned Uniform Residential Loan Application (URLA) impact the FHA endorsement process or Insurance Application screen in FHA Connection?
Does the Standard Flood Determination Certificate (FEMA Form 086-0-33) also satisfy the flood data entry requirement in FHA Connection or are lenders required to obtain a Letter of Map Amendment or Elevation Certificate with every file?
Has FHA revised the Settlement Certification (former Addendum to HUD-1 Settlement Statement)?
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Lender Insurance
Can a new Mortgagee created through merger, acquisition or reorganization qualify for Lender Insurance (LI) authority?
Can an FHA-approved lender acting as a TPO or as an Authorized Agent insure loans for its Sponsor/Principal under the Lender Insurance Program?
Can an LI lender upload a PDF file to FHA Connection?
Can FHA approved lenders submit electronic case binders?
Does LI approval give FHA lenders immediate access to submit e-CB’s through FHA Connection?
How do I get approved to submit electronic case binders?
How do I verify my default/claim rate for eligibility under the Lender Insurance (LI) program?
How does a Mortgagee that voluntarily withdrew its Lender Insurance (LI) Authority apply for reinstatement?
How does suspension or termination of Lender Insuring authority affect a Mortgagee’s Direct Endorsement status?
Is e-CB through FHA Connection approval immediate for LI lenders?
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MIC Correction Submission
How can I correct the property address in Neighborhood Watch for an insured mortgage?
How do I correct a mortgage insurance certificate?
How do I correct the borrower or co-borrower’s name in Neighborhood Watch for an insured mortgage?
How does a lender confirm that its request for correction to an MIC has been made?
Mortgage Insurance
Are there late fees associated with late payment of the Upfront Mortgage Insurance Premium (UFMIP)?
Can a borrower have an option to receive an UFMIP refund in cash if refinancing to a new FHA loan?
Can a lender collect from a borrower amounts the lender advanced to HUD for a principal reduction?
Can the Upfront MIP be paid in cash or must it be financed into the loan?
How do I check status of my endorsement request?
How do I obtain a copy of a mortgage insurance certificate?
How do I reinstate loans that were terminated in error?
How does FHA calculate the monthly Mortgage Insurance Premium (MIP)?
How long is MIP collected for a loan closed on or after January 1, 2001, with a case number assigned prior to June 3, 2013?
How long is MIP collected for case numbers assigned on or after June 3, 2013?
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Notice of Return (NOR)
What happens if a lender receives a file back with a Notice of Return?
Title Issues
Are properties encumbered with PACE obligations eligible for FHA-insured financing?
