FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 4. Single Family Default Monitoring System Default Reporting and Non-Incentivized Loan Modification > Report — b. Non-Incentivized Loan Modification Reporting

hud-4000-1-iii-b-non-incentivized-loan-modification-reporting

HUD effective date: 10/01/2025 · section III.A · Handbook 4000.1

What moves on this page

Recently changed. 1 section here was revised on 2025-10-01: b. Non-Incentivized Loan Modification Reporting . A model trained before then holds the old wording.

FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Non-Incentivized Loan Modification Reporting (10/01/2025).

This register: .xlsx .csv

Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 4. Single Family Default Monitoring System Default Reporting and Non-Incentivized Loan Modification > Report — b. Non-Incentivized Loan Modification Reporting — 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 — b. Non-Incentivized Loan Modification Reporting (10/01/2025)

Effective 2025-10-01 · publisher's stamp for this provision

b. Non-Incentivized Loan Modification Reporting (10/01/2025) The Mortgagee must report the characteristics of all Loan Modifications for which no claim is filed in FHA Connection (FHAC) within 90 Days of the executed Loan Modification. These characteristics are the following: • Mortgage Amount – The amount of the modified Mortgage. • Interest Rate – The new interest rate for the modified Mortgage. • Agreement Date – This must be before the new first payment date and at least 90 Days from the last agreement date. It is recommended that the execution date is entered in this field. For instances in which this is not possible, the approval date may be used. • First Payment Date – The new first payment due date after the Mortgage was modified. • Maturity Date – The new maturity date for the modified Mortgage. B. TITLE II INSURED HOUSING PROGRAMS REVERSE MORTGAGES This section provides the standards and procedures applicable to the servicing of Home Equity Conversion Mortgages (HECM) insured under Section 255 of the National Housing Act. The Mortgagee must fully comply with all of the following standards and procedures when servicing a HECM insured by the Federal Housing Administration (FHA). 1. Servicing of FHA-Insured HECMs Only FHA-approved Mortgagees may service FHA-insured HECMs. Mortgagees may service HECMs they hold or that are held by other FHA-approved Mortgagees.

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

Get this regulation in your AI window

Retired 4000.1 text reads exactly like current text. Ask an assistant an FHA question and it will often answer from an old edition, confidently, without telling you which one.Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Next step: the FHA underwriting QC playbook. Run it in your AI window →

Get notified if this rule changes

One email when FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 4. Single Family Default Monitoring System Default Reporting and Non-Incentivized Loan Modification > Report — b. Non-Incentivized Loan Modification Reporting changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-b-non-incentivized-loan-modification-reporting/ · register hud-4000-1-iii-b-non-incentivized-loan-modification-reporting · 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.