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Lender Approval/Eligibility
Annual Recert Requirements
Can a Mortgagee employee other than a Corporate Officer complete the annual certification?
Can a Mortgagee obtain an extension for submission of its annual recertification package?
Can a Mortgagee pay its annual recertification fee directly in pay.gov?
How do I add a Corporate Officer to complete the online annual recertification to renew my company's FHA approval?
How does a Mortgagee respond to a Notice of Deficiency (NOD)?
How does a Mortgagee resubmit a rejected annual recertification payment?
How does a Mortgagee verify their annual renewal fee payment has been received and processed?
I terminated a branch office in the Lender Data Verification section of the annual recertification package; why is the fee for that branch office still included in the annual recertification fee?
My Mortgagee is considered a Small Supervised Mortgagee, what happens if our consolidated assets increase?
The Mortgagee attempted to pay its annual recertification fee via Pay.gov, but received an error message. What does the Mortgagee do?
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Branch Offices
Do I use the FHA Online Application if I want to apply for my branch office to be FHA approved?
Does a Mortgagee need to register a direct lending branch for the purpose of direct marketing to consumers?
Does FHA allow net branching?
Does the term "Corporate Officer" include branch managers?
How do I resolve an error message about a new or replacement branch manager?
How do I resubmit a rejected branch fee payment?
How does a Mortgagee get a replacement "FHA Approved Lending Institution" Seal?
How does a Mortgagee obtain FHA approval to originate FHA Mortgages nationwide?
How does a Mortgagee reinstate a terminated branch?
How does a Mortgagee terminate a branch it has registered with FHA?
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DE Mortgagee Approval
Can a Mortgagee appeal if they are denied unconditional DE authority?
How do I get a letter from FHA that confirms my approval for unconditional Title II Direct Endorsement (DE) authority?
How does a Mortgagee obtain unconditional Title II Direct Endorsement authority?
Is the Test Case phase required for unconditional DE Approval following a merger, acquisition, or reorganization?
What are the eligibility requirements for participation in FHA’s Direct Endorsement Program?
Employee Requirements
Are FHA-approved Mortgagees required to report all income of its employees on a W-2 to the Internal Revenue Service (IRS)?
Can a loan originator with a real estate license represent the buyer in a purchase transaction?
Can an FHA-approved Mortgagee pay a fee to a non-FHA-approved lender for the referral of a borrower?
Can an FHA-approved Mortgagee use non-employees as Loan Officers?
Can I work simultaneously for a Mortgagee as a loan officer, and as a real estate agent for another company?
Can managers that only supervise loan originators sell real estate?
Does FHA have any employment requirements that apply to staff of sponsored Third-Party Originators?
Does FHA treat holding a professional license in real estate as dual employment?
Does the FHA restriction on dual employment apply to all employees of an FHA Mortgagee?
What are the employee requirements of an FHA-approved Mortgagee?
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FHA Lender Lists
How do I get a specialized list of FHA-approved lenders?
How do the HECM (Reverse Mortgage) or 203(k) filters work on the hud.gov Lender List web page?
Who do I contact for questions about the HUD Lender List Search website?
LEAP
How do I access the LEAP User Manual?
How do I attach an auditor Independent Public Accountant (IPA) to a lender Mortgagee in LEAP?
How do I designate a Principal/ Authorized Agent relationship in LEAP?
How do I gain access and logon to LEAP?
How does a CPA firm obtain a Unique IPA Identifier (UII) for LEAP?
How does a Mortgagee establish and maintain a cash flow account to pay single family mortgage insurance premiums and remit single family claim payments to HUD/FHA?
How does an FHA-approved lender receive claim payments from HUD?
How does an FHA-approved Mortgagee establish an Electronic Funds Transfer (EFT) Account?
What is the Lender Electronic Assessment Portal (LEAP)?
Where do Mortgagees and Independent Public Accountants log on to access the Lender Electronic Assessment Portal (LEAP)?
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Lender Application Procedures
Can a Mortgagee that was once FHA-approved become FHA-approved again?
Do I need to complete two separate online applications to apply for Title I and Title II program approval?
How are Large and Small Supervised Mortgagees defined?
How do I apply to become an FHA-approved Mortgagee?
How do I provide another person with access to my online application for FHA approval?
I can't login to the online application for FHA Approval with my credentials – what do I do?
I forgot my password to the FHA online application– what do I do?
What are FHA's requirements for registering "Doing Business As" names?
What are the acceptable business forms to obtain FHA approval?
What are the creditworthiness requirements for Nonsupervised or Investing Mortgagees?
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Lender Application Status
How do I appeal the denial of my application for FHA Approval?
How does an applicant check the status of their application for FHA Approval?
How does an applicant confirm that its application for FHA approval was received?
Lender Approval Changes
Can a Supervised Mortgagee (bank or credit union) act as a sponsored Third-Party Originator (TPO)?
Can I become an FHA-approved Mortgagee without getting unconditional Title II Direct Endorsement (DE) authority?
Has FHA's requirements been changed so a loan can close in the name of a non-FHA approved entity?
How does a Mortgagee get its Fiscal Year revised/changed in FHA's computer systems?
How does a Mortgagee make changes to its address, phone, or contact information in LEAP?
How does a Mortgagee notify FHA that a branch office is relocating to another state?
How does a Mortgagee submit a request to add Title I or Title II program approval to its existing FHA program approval?
How does a Mortgagee who is approved for one, but not both, of the Title I or Title II programs obtain approval for the other program type?
How does an FHA approved Mortgagee obtain a letter from FHA verifying it is approved?
How does an FHA-approved Mortgagee get its legal name changed in FHA's records?
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Lender Sanctions
Can HUD impose Civil Money Penalties against Mortgagees, individuals or other program participants?
How can a Mortgagee reinstate its authority to originate or underwrite Mortgages after a Credit Watch Termination action?
How do I check to see if a lender is subject to a limited denial of participation (LDP)?
How do I check to see if a Mortgagee has been subject to an FHA Mortgagee Review Board action?
How do I check to see if a Mortgagee or any of its staff has been suspended or debarred?
How does an FHA Mortgagee respond to a Mortgagee Review Board Notice of Violation or Withdrawal?
How will a Mortgagee be notified of a proposed Credit Watch termination?
What geographic areas are affected by termination of Direct Endorsement underwriting authority?
What happens if the Mortgagee Review Board withdraws a Mortgagee’s FHA approval?
Operation Requirements
Are FHA-approved Mortgagees required to complete the administrative contact Information in LEAP?
Are there advertising and marketing requirements that apply to the HECM program?
Can an FHA Mortgagee acting as a sponsored TPO close the loan and have the HUD Mortgage Insurance Certificate (MIC ) issued in its name?
Can an FHA-approved Mortgagee act as a sponsored TPO and principal or authorized agent for another FHA-approved Mortgagee?
Can an FHA-approved Mortgagee share corporate officers with other Mortgagees?
Can any FHA-approved Mortgagee originate, underwrite, or service Title II FHA Loans, including HECM and 203k?
Can Home Equity Conversion Mortgage (HECM) originators provide other financial or insurance products to HECM borrowers?
Does an FHA-approved Mortgagee need to display a fair housing poster in its offices, and how do I obtain the poster?
Does FHA have specific information technology (IT) security and data privacy requirements for approved Mortgagees?
If a Mortgagee has multiple addresses, which address should be entered as the administrative address in the Lender Electronic Assessment Portal (LEAP)?
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Originating FHA Loans
Can two FHA-approved Mortgagees originate a Single Family Mortgage (including 203ks and Home Equity Conversion Mortgages/HECM) together?
How does a Mortgagee make changes to its Lender Insurance (LI) Contact information?
What is a Principal-Authorized Agent relationship and how is it set up?
Will FHA insure loans originated by Bank Loan Originators and Licensed Non-Bank Loan Originators operating under the Temporary Authority under the SAFE Act to originate loans while completing their education and testing requirements for licensing?
