COVID-19: On Title insurance: There are several large counties where recording offices are shut during the COVID-19 Emergency; will FHA accept title policies with gap insurance?

FHA does not mandate Title Insurance. However, the Mortgagee must ensure that all objections to title have been cleared and any discrepancies have been resolved, to ensure that the FHA-insured Mortgage is in first lien position.  FHA does not object to Mortgagees obtaining gap insurance to protect against the potential of not obtaining first lien position.

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-05455