FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 1. Types of Program Approvals — a. Title I

hud-4000-1-i-a-title-i

HUD effective date: 05/09/2022 · section I.A · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (05/09/2022).

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FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (05/09/2022)

Effective 2022-05-09 · publisher's stamp for this provision

a. Title I (05/09/2022) i. Definition A Title I Lender is a Lender that (a) holds a valid Title I Contract of Insurance and is approved by FHA to participate in the Title I program under the National Housing Act (12 U.S.C. § 1703 et seq.), or (b) is under suspension or holds a Title I Contract of Insurance that has been terminated or suspended but remains responsible for servicing or selling the Title I Loans that it holds and is authorized to file insurance claims on such Title I Loans. Title I Contract of Insurance is the term applied to a Title I Lender’s authority to originate, underwrite, and insure Title I Loans. FHA’s approval as a Title I Lender constitutes the Title I Contract of Insurance between the Title I Lender and HUD. ii. Standard A Title I Lender may be approved to originate, underwrite, close, endorse, service, purchase, hold, or sell Loans under the Property Improvement program and/or the Manufactured Housing program. Unless otherwise specified, Title I Lenders must meet the same approval requirements and follow the same procedures as Title II Mortgagees. The FHA Lender ID assigned to the Title I Lender by HUD at approval is used to identify the Title I Contract of Insurance in all insurance transactions. The Title I Lender’s responsibility under the Title I Contract of Insurance will remain in force for all Title I Loans originated under the Title I Contract of Insurance for the entire term of the Title I Loans. A lender whose Contract is terminated may continue to be approved as a Title I Lender, and it continues to be insured with respect to the Title I Loans it holds at the time of termination, but it cannot otherwise exercise the rights of an approved lender. The Title I Lender may no longer originate new Title I Loans but will remain responsible to perform all duties for Title I Loans held in accordance with the Title I Lender’s Contract of Insurance with HUD. This includes servicing and paying premium charges when due. Claims may be filed for Title I Loans that were insured under the Contract of Insurance.

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

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