FHA Single Family Housing Policy Handbook 4000.1, Part III
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HUD effective date: 05/09/2022 · section III.C.1 · Handbook 4000.1
FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Modification of a Current Loan (05/09/2022).
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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part III — 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 — d. Modification of a Current Loan (05/09/2022)
d. Modification of a Current Loan (05/09/2022) A Lender may enter into a modification agreement with a Borrower without prior permission from HUD on a Loan that is current. A modification agreement: • requires a written agreement signed by the Borrower; • need not be recorded; • may only decrease the interest rate; • must not advance new funds; and • does not require any further insurance reporting to HUD, but all documentation of the modification must be submitted if an insurance claim is filed.
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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-d-modification-of-a-current-loan-2/
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