FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. TITLE I INSURED PROGRAMS > 3. Direct and Dealer Loan Process for Manufactured Home Loan Program — a. Direct Loans

hud-4000-1-ii-a-direct-loans

HUD effective date: 09/26/2022 · section II.E.3 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Direct Loans (09/26/2022).

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Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > E. TITLE I INSURED PROGRAMS > 3. Direct and Dealer Loan Process for Manufactured Home Loan Program — a. Direct Loans — 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 II — a. Direct Loans (09/26/2022)

Effective 2022-09-26 · publisher's stamp for this provision

a. Direct Loans (09/26/2022) i. Definition A Direct Loan process refers to where the Borrower applies directly to the Lender or its sponsored TPO for the Loan without assistance from a Dealer, contractor, or third party that has a financial interest in the loan transaction. ii. Standard The credit application, signed by the Borrower, may be filled out by the Borrower or by a person acting at the direction of the Borrower who does not have a financial interest in the loan transaction. For a Direct Loan purchase transaction, loan proceeds are disbursed to the Borrower and seller jointly. However, the Borrower may provide the Lender with an executed assignment of Borrower’s interest in the loan proceeds to the seller on or before the date of disbursement to properly complete payment. For a Direct Loan refinance transaction, proceeds are disbursed to the Note holder of the Loan being paid off.

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-direct-loans/ · register hud-4000-1-ii-a-direct-loans · 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.