FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (05/09/2022)
FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (05/09/2022).
Verbatim regulatory text
Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (05/09/2022) — 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. Title I (05/09/2022)
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. I. DOING BUSINESS WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 2. Types of Approved Mortgagees Handbook 4000.1 2 Last Revised: 11/26/2025 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.