FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement and Post-endorsement (04/29/2024)
FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement and Post-endorsement (04/29/2024).
Verbatim regulatory text
Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement and Post-endorsement (04/29/2024) — 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 — e. Endorsement and Post-endorsement (04/29/2024)
e. Endorsement and Post-endorsement (04/29/2024) i. Endorsement Upon successful completion of a pre-endorsement review by FHA, an electronic Mortgage Insurance Certificate (MIC) will be issued. The HECM becomes insured on the date the MIC is issued. ii. Post-endorsement (A) Confirming Status of the Mortgage Insurance Certificate The Mortgagee can confirm the endorsement status of a HECM using FHAC or the FHA Connection Business to Government (FHAC-B2G) application. (B) Obtaining the Mortgage Insurance Certificate When requesting the MIC, the Mortgagee must specify whether it is to be prepared in the name of the originator (principal) or authorized agent, as it appears in HUD systems. The MIC will be issued electronically. The Mortgagee can download and print copies of the MIC as needed from FHAC. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT B. Title II Insured Housing Programs Reverse Mortgages 7. Post-closing and Endorsement Handbook 4000.1 725 Last Revised: 11/26/2025 (C) Corrections to the Mortgage Insurance Certificate To obtain a correction to the MIC, the Mortgagee must submit the MIC Correction Request Template to the FHA Resource Center. This form may be used to correct the property address, Borrower name, ADP Code, interest rate, SSN, FHA case number, MCA, Principal Limit amount, or other information contained in the MIC. (D) Corrections to Original Instruments The Mortgagee must follow applicable local law when making corrections to the original instruments. If new instruments are executed as required by local law, the Mortgagee must submit the new instruments prior to insurance endorsement. (E) Partial Release of Security FHA approval for partial release of security is required except in limited circumstances. See the Servicing and Loss Mitigation section of Handbook 4000.1 for more information. iii. HECM File Retention The Mortgagee must retain their HECM file, including the case binder, in either hard copy or electronic format for a period of two years from the date of endorsement. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT B. Title II Insured Housing Programs Reverse Mortgages