Check your FHA loan file against Handbook 4000.1: the FHA underwriting QC playbook
Attach an FHA loan file in Claude or ChatGPT and this playbook runs a pre-fund quality-control check against the verbatim FHA Handbook 4000.1 across three areas: the underwriting decision, borrower credit history, and property and valuation. Each item comes back No Exception / Exception / Needs-Doc with the rule cite. It’s a checker, not an approve/deny. Run it in your AI window.
🔒 Your loan file stays in your own AI session. The playbook runs through the Claude for Compliance MCP server, which has no upload. It’s a working draft for your underwriter or compliance review, not an underwriting decision and not legal advice.
What you upload
1003/URLA, AUS/TOTAL findings, credit report, income docs, asset statements, appraisal: whatever you have. Missing documents are flagged as Needs-Doc, not failures.
What comes back: each check marked No Exception / Exception / N/A / Needs-Doc with the verbatim 4000.1 cite, plus a summary of exceptions and the documents to pull.
What it checks
- Underwriting decision: TOTAL vs. manual path, qualifying ratios, reserves, final-decision documentation.
- Borrower credit history: minimum decision credit score, tradelines and payment history, disputes, collections and charge-offs, judgments, seasoning.
- Property and valuation: appraisal validity, property eligibility, Minimum Property Requirements and Standards, appraiser qualification, required property documentation.
Grounded in the verbatim 4000.1 text the server returns; anything it can’t ground is flagged rather than filled in. Companion playbooks: VA loan QC and USDA loan QC. Every 4000.1 section is also readable on this site: FHA Handbook 4000.1.
Run it in your AI window
- 1 Connect the Claude for Compliance MCP server to Claude or ChatGPT. One time, about a minute, no account with us. Install steps →
- 2 Open a new chat, attach an FHA loan file, and say:
Run the FHA underwriting QC playbook on my loan file. - 3 Review what comes back. The playbook works from the verbatim regulator text the server returns and cites each section with its effective date, so every finding can be checked.
Claude works on any plan (the free plan allows one custom connector); ChatGPT needs Plus, Pro, Business, Enterprise or Edu. The server has no upload: your documents stay in your own AI session.
Follow the rules this playbook uses
One email when the FHA rules behind the FHA underwriting QC playbook change: what changed, the new verbatim text, and the effective date.
Double opt-in: we send a confirmation link first. Privacy.
The playbook produces working drafts for underwriter and compliance review, not an underwriting decision and not legal advice. All playbooks.