COVID-19: Is FHA requiring servicers to conduct occupancy exterior inspections during the COVID-19 National Emergency?

Yes. The standard in FHA’s Single Family Housing Policy Handbook 4000.1 (SF Handbook) states that the mortgagee must perform a visual exterior inspection. No physical contact with the borrower and/or occupants is required, including during the COVID-19 pandemic. For more information, please see SF Handbook, Section III.A.2.h.xi — Occupancy Inspection available at: Single Family Housing Policy Handbook 4000.1.

HQ Policy Determination – COVID-19 guidance


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-05411