HUD Handbook 4000.1 II.A.1.a

hud-4000-1-ii-a-1-a

HUD Handbook 4000.1 Part II.A.1.a (Applications and Disclosures) for Title II Insured Housing Programs Forward Mortgages. Covers URLA intake, federal/state disclosure obligation, mortgage application package contents, maximum document age, appraisal validity, and handling of third-party documents.

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Verbatim regulatory text (5)

Verbatim provisions from HUD Handbook 4000.1 II.A.1.a — 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.

HUD Handbook 4000.1 II.A.1.a — Applications and Disclosures

The Mortgagee must obtain a completed Fannie Mae Form 1003/Freddie Mac Form 65, Uniform Residential Loan Application (URLA), from the Borrower and provide all required federal and state disclosures in order to begin the origination process.

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

HUD Handbook 4000.1 II.A.1.a.i(A) — Contents of the Mortgage Application Package

The Mortgagee must maintain all information and documentation that is relevant to its approval decision in the mortgage file.

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

HUD Handbook 4000.1 II.A.1.a.i(A)(1)(a) — Maximum Age of Mortgage Documents

Documents used in the origination and underwriting of a Mortgage may not be more than 120 Days old at the Disbursement Date, except for appraisals, II.

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

HUD Handbook 4000.1 II.A.1.a.i(A)(1)(b)(i) — Initial Appraisal Validity

The initial appraisal validity period is 180 Days from the effective date of the appraisal report.

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

HUD Handbook 4000.1 II.A.1.a.i(A)(2) — Handling of Documents

Mortgagees must not accept or use documents relating to the employment, income, assets, or credit of Borrowers that have been handled by or transmitted from or through unknown parties or Interested Parties. Mortgagees may not accept or use any Third Party Verifications (TPV) that have been handled by or transmitted from or through unknown parties, Interested Parties, or the Borrower.

Source: HUD Handbook 4000.1 II.A.1.a.i(A)(2) — Handling of Documents · source URL · snapshot 3bf33edadcf6461d

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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-ii-a-1-a/ · register hud-4000-1-ii-a-1-a · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.