Part 1005 — Loan Guarantees for Indian Housing
Subpart A — General Program Requirements
Subpart B — Lender Eligibility and Requirements
- § 1005.201— Lender Applicant approval and participation.
- § 1005.203— Lender Applicants deemed approved by statute.
- § 1005.205— Lender Applicants required to obtain Secretarial approval.
- § 1005.207— Lender Applicant participation options.
- § 1005.209— Direct Guarantee Lender application process.
- § 1005.211— Direct Guarantee Lender approval.
- § 1005.213— Non-Direct Guarantee Lender application, approval, and Direct Guarantee Lender sponsorship.
- § 1005.215— Direct Guarantee Lender annual reporting requirements.
- § 1005.217— Quality control plan.
- § 1005.219— Other requirements.
- § 1005.221— Business change reporting.
- § 1005.223— Direct Guarantee Lender Annual recertification requirements.
- § 1005.225— Program ineligibility.
Subpart C — Lending on Trust Land
- § 1005.301— Tribal legal and administrative framework.
- § 1005.303— Tribal application.
- § 1005.305— Approval of Tribal application.
- § 1005.307— Tribal annual recertification.
- § 1005.309— Tribal duty to report proposed changes and actual changes.
- § 1005.311— HUD notification of any lease default.
- § 1005.313— Tribal reporting requirements.
Subpart D — Underwriting
- § 1005.401— Eligible Borrowers.
- § 1005.403— Principal Residence.
- § 1005.405— Borrower residency status.
- § 1005.407— Relationship of income to loan payments.
- § 1005.409— Credit standing.
- § 1005.411— Disclosure and verification of Social Security and Employer Identification Numbers or Tax Identification Number.
- § 1005.413— Acceptable title.
- § 1005.415— Sale of property.
- § 1005.417— Location of property.
- § 1005.419— Requirements for standard housing.
- § 1005.421— Certification of appraisal amount.
- § 1005.423— Legal Restrictions on Conveyance.
- § 1005.425— Rental properties.
- § 1005.427— Refinancing.
- § 1005.429— Eligibility of Loans covering manufactured homes.
- § 1005.431— Acceptance of individual residential water purification.
- § 1005.433— Builder warranty.
- § 1005.435— Eligible collateral.
- § 1005.437— Loan provisions.
- § 1005.439— Loan lien.
- § 1005.441— Section 184 Guaranteed Loan limit.
- § 1005.443— Loan amount.
- § 1005.445— Case numbers.
- § 1005.447— Maximum age of Loan documents.
- § 1005.449— Qualified mortgage.
- § 1005.451— Agreed interest rate.
- § 1005.453— Amortization provisions.
- § 1005.455— Direct guarantee underwriting.
- § 1005.457— Appraisal.
- § 1005.459— Loan submission to HUD for endorsement.
- § 1005.461— HUD issuance of Firm Commitment.
Subpart -E — Closing and Endorsement
- § 1005.501— Direct Guarantee Lender closing requirements.
- § 1005.503— Contents of endorsement case binder.
- § 1005.505— Payment of Upfront Loan Guarantee Fee.
- § 1005.507— Borrower's payments to include other charges and escrow payments.
- § 1005.509— Application of payments.
- § 1005.511— Late fee.
- § 1005.513— Borrower's payments when Section 184 Guaranteed Loan is executed.
- § 1005.515— Charges, fees, or discounts.
- § 1005.517— Certificate of nondiscrimination by the Direct Guarantee Lender.
- § 1005.519— Creation of the contract.
- § 1005.521— Pre-endorsement review and requirements.
- § 1005.523— HUD pre-endorsement review.
- § 1005.525— Loan Guarantee Certificate.
- § 1005.527— Post-endorsement review.
- § 1005.529— Indemnification.
Subpart F — Section 184 Guaranteed Loan Fees
Subpart G — Servicing
- § 1005.701— Section 184 Guaranteed Loan servicing generally.
- § 1005.703— Servicer eligibility and application process.
- § 1005.705— Servicer approval.
- § 1005.707— Responsibility for servicing.
- § 1005.709— Providing information to Borrower and HUD.
- § 1005.711— Assumption and release of personal liability.
- § 1005.713— Due-on-sale provision.
- § 1005.715— Application of Borrower payments.
- § 1005.717— Administering escrow accounts.
- § 1005.719— Fees and costs after endorsement.
- § 1005.721— Enforcement of late fees.
- § 1005.723— Partial Payments.
- § 1005.725— Handling prepayments.
- § 1005.727— Substitute Borrowers.
- § 1005.729— Section 184 Guaranteed Loan collection action.
- § 1005.731— Default notice to Borrower.
- § 1005.733— Loss mitigation application, timelines, and appeals.
- § 1005.735— Occupancy inspection.
- § 1005.737— Vacant or abandoned property procedures.
- § 1005.739— Loss mitigation.
- § 1005.741— Notice to Tribe and BIA—Borrower default.
- § 1005.743— Relief for Borrower in military service.
- § 1005.745— Forbearance plans.
- § 1005.747— Assumption.
- § 1005.749— Loan modification.
- § 1005.751— Loss mitigation advance.
- § 1005.753— Pre-foreclosure sale.
- § 1005.755— Deed-in-lieu/lease-in-lieu of foreclosure.
- § 1005.757— Incentive payments.
- § 1005.759— Property on Trust Land—Tribal First Right of Refusal; foreclosure or assignment.
- § 1005.761— Fee simple properties—foreclosure or assignment with HUD approval.
- § 1005.763— First Legal Action deadline and automatic extensions.
- § 1005.765— Assignment of the Section 184 Guaranteed Loan.
- § 1005.767— Inspection and preservation of properties.
- § 1005.769— Property condition.
- § 1005.771— Conveyance of property to HUD at or after foreclosure; time of conveyance.
- § 1005.773— HUD acceptance of assignment or conveyance.
Subpart H — Claims
- § 1005.801— Purpose.
- § 1005.803— Claim case binder; HUD authority to review records.
- § 1005.805— Effect of noncompliance.
- § 1005.807— Claim submission categories.
- § 1005.809— Claim types.
- § 1005.811— Claims supporting documentation.
- § 1005.813— Up-front and Annual Loan Guarantee Fee reconciliation.
- § 1005.815— Conditions for withdrawal of claim.
- § 1005.817— Conveyance of Good and Marketable Title.
- § 1005.819— Types of satisfactory title evidence.
- § 1005.821— Coverage of title evidence.
- § 1005.823— Waived title objections for properties on fee simple land.
- § 1005.825— Waived title objections for properties on Trust Land.
- § 1005.827— Damage or neglect.
- § 1005.829— Certificate of property condition.
- § 1005.831— Cancellation of hazard insurance.
- § 1005.833— Method of payment.
- § 1005.835— Claim payment not conclusive evidence of claim meeting all HUD requirements.
- § 1005.837— Payment of claim: unpaid principal balance.
- § 1005.839— Payment of claim: interest on unpaid principal balance.
- § 1005.841— Payment of claim: reimbursement of eligible and reasonable costs.
- § 1005.843— Reductions to the claim submission amount.
- § 1005.845— Rights and liabilities under Indian Housing Loan Guarantee Fund.
- § 1005.847— Final payment.
- § 1005.849— Reconveyance and reassignment.
- § 1005.851— Reimbursement of expenses to HUD.