FHA Single Family Housing Policy Handbook 4000.1, I. DOING BUSINESS WITH FHA > B. OTHER PARTICIPANTS > 3. Direct Endorsement Underwriters — a. Program Overview

hud-4000-1-i-a-program-overview

HUD effective date: 03/14/2016 · section I.B.3 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Program Overview (03/14/2016).

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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, I. DOING BUSINESS WITH FHA > B. OTHER PARTICIPANTS > 3. Direct Endorsement Underwriters — a. Program Overview — 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 I — a. Program Overview (03/14/2016)

Effective 2016-03-14 · publisher's stamp for this provision

a. Program Overview (03/14/2016) The Direct Endorsement (DE) underwriter serves as the Mortgagee’s subject matter expert for underwriting and must ensure compliance with all underwriting requirements in Origination through Post-closing/Endorsement for all manually underwritten Title II Forward Mortgages. Underwriting responsibilities include, but are not limited to, the following: • calculation of maximum mortgage amounts; • underwriting the Property; and • underwriting of the Borrower. The DE underwriter must also ensure compliance with all requirements for Underwriting the Property for all Title II Forward Mortgages underwritten using the Technology Open To Approved Lenders (TOTAL) Mortgage Scorecard. The DE underwriter also serves as the Mortgagee’s subject matter expert on the financial assessment requirements in Origination through Post-closing/Endorsement for all Home Equity Conversion Mortgages (HECM). Financial assessment requirements include, but are not limited to, the following: • underwriting of the Property; • analysis of the Borrower’s credit history; • analysis of the Borrower’s property charge payment history; • calculation of residual income; and • determination of the need for and the amount of a Life Expectancy (LE) Set-Aside.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

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