FHA Single Family Housing Policy Handbook 4000.1, Part III

hud-4000-1-iii-d-modification-of-a-current-loan

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)

Effective 2022-05-09 · publisher's stamp for this provision

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.

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-d-modification-of-a-current-loan/ · register hud-4000-1-iii-d-modification-of-a-current-loan · 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.