FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — a. Mortgages in Delinquency or Default

hud-4000-1-iii-a-mortgages-in-delinquency-or-default

HUD effective date: 03/31/2022 · section III.A.2 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Mortgages in Delinquency or Default (03/31/2022).

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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 2. Default Servicing — a. Mortgages in Delinquency or Default — 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 III — a. Mortgages in Delinquency or Default (03/31/2022)

Effective 2022-03-31 · publisher's stamp for this provision

a. Mortgages in Delinquency or Default (03/31/2022) i. Definitions A Mortgage is Delinquent any time a Mortgage Payment is due and not paid. A Mortgage is in Default when the Borrower fails to make any payment or perform any other obligation under the Mortgage, and such failure continues for a period of 30 Days. The date of Default is 30 Days after: • the first uncorrected failure to perform any obligation under the Mortgage; or • the first failure to make a monthly payment which subsequent payments by the Borrower are insufficient to cover when applied to the overdue monthly payments in the order in which they become due. ii. Standard The Mortgagee must ensure FHA-insured Mortgages in Delinquency or Default are serviced in accordance with FHA requirements and applicable laws. For the purpose of determining the date of Default and timelines related to Default, HUD considers all months to have 30 Days.

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-iii-a-mortgages-in-delinquency-or-default/ · register hud-4000-1-iii-a-mortgages-in-delinquency-or-default · 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.