HUD Handbook 4000.1 Part II.A.1.b

Name: HUD Handbook 4000.1 Part II.A.1.b — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

hud-4000-1-ii-a-1-appraisal-ordering

HUD effective date: 06/27/2025 · section II.A.1 · Handbook 4000.1 · revision effective 11/10/2026

HUD Handbook 4000.1 Part II.A.1.b subsections (5) and (6) cover [LENDER]'s duties to order title commitments and appraisals for each FHA case number. The no-appraisal-reuse rule is operationally important: even appraisals less than 180 days old cannot be reused across case numbers.

This register: .xlsx .csv

source:
  type: regulation
  id: hud-4000-1-ii-a-1-appraisal-ordering
  authority: HUD Handbook 4000.1 Part II.A.1.b
  description: |
    HUD Handbook 4000.1 Part II.A.1.b subsections (5) and (6) cover
    [LENDER]'s duties to order title commitments and appraisals for each
    FHA case number. The no-appraisal-reuse rule is operationally
    important: even appraisals less than 180 days old cannot be reused
    across case numbers.
  source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
obligations:
  - id: hud-4000-1-ii-a-1-order-title-commitment
    canonical_id: hud-4000-1-ii-a-1-order-title-commitment
    section: HUD Handbook 4000.1 II.A.1.b(5) — Order title commitment
    description: The Mortgagee must order a title commitment to ensure the Property will be properly titled and the Mortgage secured in accordance with FHA requirements.
    type: do
    audit_question: For every FHA case originated by [LENDER], can [LENDER] evidence a title commitment was ordered before closing to confirm Property titling and Mortgage security per FHA requirements?
    program_review: Do the P&Ps ensure a title commitment is ordered on every FHA case before closing to confirm proper titling and first-lien security per FHA requirements?
    file_review: Pull FHA case files; confirm a title commitment was ordered prior to closing.
    judgment: false
    feeds:
      - hud-4000-1-ii-a-6-title-objections-cleared-first-lien
    workflow_phase: loan_origination
    owner_role: loan_processor
    secondary_owner_role: closing_specialist
    cadence: per-fha-case
    consequence: Missing title commitment is a foundational FHA QC defect; can void insurance eligibility.
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - title-commitment
      - origination
      - promoted
    primary_source:
      tier: 1
      authority: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12)
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
      snapshot_id: e1bca3432cf19e09
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1bca3432cf19e097b7f466dddb2837d8a3393d7fb1f6a711f0eaf818b313e02
      paragraph_quote: The Mortgagee must order a title commitment to ensure the Property will be properly titled and the Mortgage secured in accordance with FHA requirements.
      drafter_attestation: Verbatim from Handbook 4000.1 Update 18; the quote appears literally in a footer-stripped projection of snapshot e1bca3432cf19e09, verified 2026-08-23.
      verbatim_gate: defurnished-projection
      reverified_at: '2026-08-23'
    promoted_at: '2026-05-25T18:34:06+00:00'
    promoted_from: hud-4000-1-ii-a-1-appraisal-ordering-roundd-v1.yaml
  - id: hud-4000-1-ii-a-1-order-new-appraisal-no-reuse
    canonical_id: hud-4000-1-ii-a-1-order-new-appraisal-no-reuse
    section: HUD Handbook 4000.1 II.A.1.b(6) — Order new appraisal per case number; no reuse
    description: The Mortgagee must order a new appraisal for each case number assignment and may not reuse an appraisal that was performed under another active or endorsed case number, even if the prior appraisal is not yet more than 180 Days old.
    type: do
    audit_question: For every FHA case number [LENDER] assigned, can [LENDER] evidence that a fresh appraisal was ordered for that case number, with no reuse of a prior-case-number appraisal regardless of the prior appraisal's age?
    program_review: Do the P&Ps enforce the bright-line rule that a new appraisal is ordered for each case-number assignment, with NO reuse of an appraisal performed under another active or endorsed case number regardless of the prior appraisal's age?
    file_review: Pull case files; confirm the appraisal is bound to that case number and no prior-case-number appraisal was cross-applied.
    judgment: false
    feeds: []
    workflow_phase: loan_origination
    owner_role: loan_processor
    secondary_owner_role: underwriting_manager
    cadence: per-fha-case
    consequence: Appraisal reuse across case numbers is a known FHA QC defect; void appraisal can trigger indemnification.
    tags:
      - round-d
      - regulator-direct
      - fha
      - hud-4000-1
      - appraisal-ordering
      - case-number-binding
      - no-reuse
      - promoted
    primary_source:
      tier: 1
      authority: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12)
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
      snapshot_id: e1bca3432cf19e09
      fetched_at: '2026-05-25T14:10:11Z'
      content_hash: sha256:e1bca3432cf19e097b7f466dddb2837d8a3393d7fb1f6a711f0eaf818b313e02
      paragraph_quote: The Mortgagee must order a new appraisal for each case number assignment and may not reuse an appraisal that was performed under another active or endorsed case number, even if the prior appraisal is not yet more than 180 Days old.
      drafter_attestation: Verbatim from Handbook 4000.1 Update 18; the quote appears literally in a footer-stripped projection of snapshot e1bca3432cf19e09, verified 2026-08-23.
      verbatim_gate: defurnished-projection
      reverified_at: '2026-08-23'
    promoted_at: '2026-05-25T18:34:06+00:00'
    promoted_from: hud-4000-1-ii-a-1-appraisal-ordering-roundd-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-25T18:34:06+00:00'
    candidate_path: obligations\_remediation\round-d-investor-guides\hud-4000-1-ii-a-1-appraisal-ordering-roundd-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from HUD Handbook 4000.1 Part II.A.1.b — 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.b(5) — Order title commitment

The Mortgagee must order a title commitment to ensure the Property will be properly titled and the Mortgage secured in accordance with FHA requirements.

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.b(6) — Order new appraisal per case number; no reuse

The Mortgagee must order a new appraisal for each case number assignment and may not reuse an appraisal that was performed under another active or endorsed case number, even if the prior appraisal is not yet more than 180 Days old.

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

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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-ii-a-1-appraisal-ordering/ · register hud-4000-1-ii-a-1-appraisal-ordering · 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.