HUD Handbook 4000.1 III.A.2.a — Mortgages in Delinquency or Default

hud-4000-1-iii-a-2-a

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.a. See obligation entries for operative requirements and verbatim primary-source citations.

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source:
  type: regulation
  id: hud-4000-1-iii-a-2-a
  authority: HUD Handbook 4000.1 III.A.2.a — Mortgages in Delinquency or Default
  description: |
    HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.a.
    See obligation entries for operative requirements and verbatim
    primary-source citations.
obligations:
  - id: hud-4000-1-iii-a-2-a-default-servicing-standard
    canonical_id: hud-4000-1-iii-a-2-a-default-servicing-standard
    section: HUD Handbook 4000.1 III.A.2.a.ii — Mortgages in Delinquency or Default Standard
    description: |
      [LENDER] must ensure FHA-insured Mortgages in Delinquency or Default
      are serviced in accordance with FHA requirements and applicable laws.
    type: do
    audit_question: For every FHA-insured Mortgage in Delinquency or Default, can [LENDER] evidence that the servicing was performed in accordance with FHA requirements and applicable laws?
    program_review: Do the servicing P&Ps ensure FHA loans in Delinquency or Default are serviced in accordance with FHA requirements and applicable laws?
    file_review: Pull delinquent/default files; confirm servicing was performed per FHA requirements and applicable law.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-defaulted-loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - default-servicing
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.a.ii — Standard
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
      snapshot_id: 8c03836f77f317e1
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
      paragraph_quote: 'The Mortgagee must ensure FHA-insured Mortgages in Delinquency or Default are '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.a.ii) at 2026-05-23.
    promoted_at: '2026-05-23T00:42:23+00:00'
    promoted_from: hud-4000-1-iii-a-2-a-roundb-v1.yaml
  - id: hud-4000-1-iii-a-2-a-30-day-month-convention
    canonical_id: hud-4000-1-iii-a-2-a-30-day-month-convention
    section: HUD Handbook 4000.1 III.A.2.a.ii — 30-Day Month Convention
    description: |
      For the purpose of determining the date of Default and timelines
      related to Default, [LENDER] must apply HUD's convention that all
      months are considered to have 30 Days.
    type: do
    audit_question: For every FHA Default-related timeline calculation (date of Default, claim-filing deadlines, reasonable-diligence windows), can [LENDER] evidence application of the HUD 30-Days-per-month convention?
    program_review: Do the P&Ps ensure all Default-related timeline calculations (Default date, claim-filing deadlines, reasonable-diligence windows) apply the 30-days-per-month convention?
    file_review: Spot-check Default-timeline calculations; confirm the 30-day-month convention was applied.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: claims_specialist
    cadence: per-defaulted-loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - default-timing
      - 30-day-convention
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.2.a.ii — Standard
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
      snapshot_id: 8c03836f77f317e1
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
      paragraph_quote: 'For the purpose of determining the date of Default and timelines related to Default, HUD '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.a.ii) at 2026-05-23.
    promoted_at: '2026-05-23T00:42:23+00:00'
    promoted_from: hud-4000-1-iii-a-2-a-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:42:23+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-2-a-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from HUD Handbook 4000.1 III.A.2.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.

HUD Handbook 4000.1 III.A.2.a.ii — Mortgages in Delinquency or Default Standard

The Mortgagee must ensure FHA-insured Mortgages in Delinquency or Default are

Source: HUD Handbook 4000.1 III.A.2.a.ii — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.2.a.ii — 30-Day Month Convention

For the purpose of determining the date of Default and timelines related to Default, HUD

Source: HUD Handbook 4000.1 III.A.2.a.ii — Standard · source URL · snapshot 8c03836f77f317e1