24 CFR Part 203 — Single Family Mortgage Insurance
Subpart A — Eligibility Requirements and Underwriting Procedures
- § 203.1— Underwriting procedures.
- § 203.3— Approval of mortgagees for Direct Endorsement.
- § 203.4— Approval of mortgagees for Lender Insurance.
- § 203.5— Direct Endorsement process.
- § 203.6— Lender Insurance process.
- § 203.7— Commitment process.
- § 203.8— Approval of mortgagees for Direct Endorsement Lender Review and Approval Process (DELRAP).
- § 203.9— Disclosure regarding interest due upon mortgage prepayment.
- § 203.10— Informed consumer choice for prospective FHA mortgagors.
- § 203.12— Mortgage insurance on proposed or new construction.
- § 203.14— Builders' warranty.
- § 203.15— Certification of appraisal amount.
- § 203.16— Certificate and contract regarding use of dwelling for transient or hotel purposes.
- § 203.16a— Mortgagor and mortgagee requirement for maintaining flood insurance coverage.
- § 203.17— Mortgage provisions.
- § 203.18— Maximum mortgage amounts.
- § 203.18a— Solar energy system.
- § 203.18b— Increased mortgage amount.
- § 203.18c— One-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage amounts.
- § 203.18d— Minimum principal loan amount.
- § 203.19— Qualified mortgage.
- § 203.20— Agreed interest rate.
- § 203.21— Amortization provisions.
- § 203.22— Payment of insurance premiums or charges; prepayment privilege.
- § 203.23— Mortgagor's payments to include other charges.
- § 203.24— Application of payments.
- § 203.25— Late charge.
- § 203.26— Mortgagor's payments when mortgage is executed.
- § 203.27— Charges, fees or discounts.
- § 203.28— Economic soundness of projects.
- § 203.29— Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.
- § 203.30— Certificate of nondiscrimination by the mortgagor.
- § 203.31— Mortgagor of a principal residence in military service cases.
- § 203.32— Mortgage lien.
- § 203.33— Relationship of income to mortgage payments.
- § 203.34— Credit standing.
- § 203.35— Disclosure and verification of Social Security and Employer Identification Numbers.
- § 203.37— Nature of title to realty.
- § 203.37a— Sale of property.
- § 203.38— Location of dwelling.
- § 203.39— Standards for buildings.
- § 203.40— Location of property.
- § 203.41— Free assumability; exceptions.
- § 203.42— Rental properties.
- § 203.43— Eligibility of miscellaneous type mortgages.
- § 203.43a— Eligibility of mortgages covering housing in certain neighborhoods.
- § 203.43b— Eligibility of mortgages on single-family condominium units.
- § 203.43c— Eligibility of mortgages involving a dwelling unit in a cooperative housing development.
- § 203.43d— Eligibility of mortgages in certain communities.
- § 203.43f— Eligibility of mortgages covering manufactured homes.
- § 203.43g— Eligibility of mortgages in certain communities.
- § 203.43h— Eligibility of mortgages on Indian land insured pursuant to section 248 of the National Housing Act.
- § 203.43i— Eligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act.
- § 203.43j— Eligibility of mortgages on Allegany Reservation of Seneca Nation of Indians.
- § 203.44— Eligibility of advances.
- § 203.45— Eligibility of graduated payment mortgages.
- § 203.47— Eligibility of growing equity mortgages.
- § 203.49— Eligibility of adjustable rate mortgages.
- § 203.50— Eligibility of rehabilitation loans.
- § 203.51— Applicability.
- § 203.52— Acceptance of individual residential water purification equipment.
- § 203.249— Effect of amendments.
Subpart B — Contract Rights and Obligations
- § 203.251— Definitions.
- § 203.255— Insurance of mortgage.
- § 203.256— Insurance of open-end advance.
- § 203.257— Creation of the contract.
- § 203.258— Substitute mortgagors.
- § 203.259— Method of payment of MIP.
- § 203.259a— Scope.
- § 203.260— Amount of mortgage insurance premium (periodic MIP).
- § 203.261— Calculation of periodic MIP.
- § 203.262— Due date of periodic MIP.
- § 203.264— Payment of periodic MIP.
- § 203.265— Mortgagee's late charge and interest.
- § 203.266— Period covered by periodic MIP.
- § 203.267— Duration of periodic MIP.
- § 203.268— Pro rata payment of periodic MIP.
- § 203.269— Method of payment of periodic MIP.
- § 203.270— Open-end insurance charges.
- § 203.280— One-time or Up-front MIP.
- § 203.281— Calculation of one-time MIP.
- § 203.282— Mortgagee's late charge and interest.
- § 203.283— Refund of one-time MIP.
- § 203.284— Calculation of up-front and annual MIP on or after July 1, 1991.
- § 203.285— Fifteen-year mortgages: Calculation of up-front and annual MIP on or after December 26, 1992.
- § 203.288— Discontinuance of adjusted premium charge.
- § 203.295— Voluntary termination.
- § 203.315— Termination by conveyance to other than Commissioner.
- § 203.316— Termination by prepayment of mortgage.
- § 203.317— Termination by voluntary agreement.
- § 203.318— Notice of termination by mortgagee.
- § 203.319— Pro rata payment of premiums and charges.
- § 203.320— Notice and date of termination by Commissioner.
- § 203.321— Effect of termination.
- § 203.330— Definition of delinquency and requirement for notice of delinquency to HUD.
- § 203.331— Definition of default, date of default, and requirement of notice of default to HUD.
- § 203.333— Reinstatement of defaulted mortgage.
- § 203.340— Special forbearance.
- § 203.341— Partial claim.
- § 203.342— Mortgage modification.
- § 203.343— Partial release, addition or substitution of security.
- § 203.345— Postponement of principal payments—mortgagors in military service.
- § 203.346— Postponement of foreclosure—mortgagors in military service.
- § 203.350— Assignment of mortgage.
- § 203.351— Application for insurance benefits and fiscal data.
- § 203.353— Certification by mortgagee.
- § 203.355— Acquisition of property.
- § 203.356— Notice of foreclosure and pre-foreclosure sale; reasonable diligence requirements.
- § 203.357— Deed in lieu of foreclosure.
- § 203.358— Direct conveyance of property.
- § 203.359— Time of conveyance to the Secretary.
- § 203.360— Notice of property transfer or pre-foreclosure sale and application for insurance benefits.
- § 203.361— Acceptance of property by Commissioner.
- § 203.362— Conditions for withdrawal of application for insurance benefits.
- § 203.363— Effect of noncompliance with regulations.
- § 203.364— Mortgagee's liability for property expenditures.
- § 203.365— Documents and information to be furnished the Secretary; claims review.
- § 203.366— Conveyance of marketable title.
- § 203.367— Contents of deed and supporting documents.
- § 203.368— Claims without conveyance procedure.
- § 203.369— Deficiency judgments.
- § 203.370— Pre-foreclosure sales.
- § 203.371— Partial claim.
- § 203.377— Inspection and preservation of properties.
- § 203.378— Property condition.
- § 203.379— Adjustment for damage or neglect.
- § 203.380— Certificate of property condition.
- § 203.381— Occupancy of property.
- § 203.382— Cancellation of hazard insurance.
- § 203.385— Types of satisfactory title evidence.
- § 203.386— Coverage of title evidence.
- § 203.387— Acceptability of customary title evidence.
- § 203.389— Waived title objections.
- § 203.390— Waiver of title—mortgages or property formerly held by the Secretary.
- § 203.391— Title objection waiver with reduced insurance benefits.
- § 203.400— Method of payment.
- § 203.401— Amount of payment—conveyed and non-conveyed properties.
- § 203.402— Items included in payment—conveyed and non-conveyed properties.
- § 203.402a— Reimbursement for uncollected interest.
- § 203.403— Items deducted from payment—conveyed and non-conveyed properties.
- § 203.404— Amount of payment—assigned mortgages.
- § 203.405— Debenture interest rate.
- § 203.406— Maturity of debentures.
- § 203.407— Registration of debentures.
- § 203.408— Form and amounts of debentures.
- § 203.409— Redemption of debentures.
- § 203.410— Issue date of debentures.
- § 203.411— Cash adjustment.
- § 203.412— Payment for foreclosure alternative actions.
- § 203.413— Amount of payment—Single Family Sale assignments.
- § 203.414— Amount of payment—partial claims.
- § 203.415— Delivery of certificate of claim.
- § 203.416— Amount and items of certificate of claim.
- § 203.417— Rate of interest of certificate of claim.
- § 203.420— Nature of Mutual Mortgage Insurance Fund.
- § 203.421— Allocation of Mutual Mortgage Insurance Fund income or loss.
- § 203.422— Right and liability under Mutual Mortgage Insurance Fund.
- § 203.423— Distribution of distributive shares.
- § 203.424— Maximum amount of distributive shares.
- § 203.425— Finality of determination.
- § 203.426— Inapplicability to housing in older declining urban areas.
- § 203.427— Statute of limitations on payment of distributive shares.
- § 203.430— Sale of interests in insured mortgages.
- § 203.431— Sale of insured mortgage to approved mortgagee.
- § 203.432— Effect of sale of insured mortgage.
- § 203.433— Assignments, pledges and transfers by approved mortgagee.
- § 203.434— Declaration of trust.
- § 203.435— Transfers of partial interests.
- § 203.436— Claim procedure—graduated payment mortgages.
- § 203.437— Mortgages involving a dwelling unit in a cooperative housing development.
- § 203.438— Mortgages on Indian land insured pursuant to section 248 of the National Housing Act.
- § 203.439— Mortgages on Hawaiian home lands insured pursuant to section 247 of the National Housing Act.
- § 203.439a— Mortgages on property in Allegany Reservation of Seneca Nation of Indians authorized by section 203(q) of the National Housing Act.
- § 203.440— Definitions.
- § 203.441— Insurance of loan.
- § 203.442— Contract created by Insurance Certificate or by endorsement.
- § 203.443— Insurance premium.
- § 203.457— Voluntary termination of contract.
- § 203.458— Termination by prepayment of loan.
- § 203.459— Notice of termination by lender.
- § 203.462— Pro rata payment of premium before termination.
- § 203.463— Notice and date of termination by Commissioner.
- § 203.464— Effect of termination.
- § 203.466— Definition of delinquency and requirement for notice of delinquency to HUD.
- § 203.467— Definition of default, date of default, and requirement of notice of default to HUD.
- § 203.469— Reinstatement of defaulted loan.
- § 203.471— Special forbearance.
- § 203.472— Relief for borrower in military service.
- § 203.473— Claim procedure.
- § 203.474— Maximum claim period.
- § 203.476— Claim application and items to be filed.
- § 203.477— Certificate by lender when loan assigned.
- § 203.478— Payment of insurance benefits.
- § 203.479— Debenture interest rate.
- § 203.481— Maturity of debentures.
- § 203.482— Registration of debentures.
- § 203.483— Forms and amounts of debentures.
- § 203.484— Redemption of debentures.
- § 203.486— Issue date of debentures.
- § 203.487— Cash adjustment.
- § 203.488— Sale of interests in insured loans.
- § 203.489— Sale of insured loan to approved lender.
- § 203.491— Effect of sale of insured loan.
- § 203.492— Assignments, pledges and transfers by approved lender.
- § 203.493— Declaration of trust.
- § 203.495— Transfers of partial interests.
- § 203.496— Actions to be taken by mortgagee or lender.
- § 203.499— Effect of amendments.
Subpart C — Servicing Responsibilities
- § 203.500— Mortgage servicing generally.
- § 203.501— Loss mitigation.
- § 203.502— Responsibility for servicing.
- § 203.508— Providing information.
- § 203.510— Release of personal liability.
- § 203.512— Free assumability; exceptions.
- § 203.550— Escrow accounts.
- § 203.552— Fees and charges after endorsement.
- § 203.554— Enforcement of late charges.
- § 203.556— Return of partial payments.
- § 203.558— Handling prepayments.
- § 203.600— Mortgage collection action.
- § 203.602— Delinquency notice to mortgagor.
- § 203.604— Contact with the mortgagor.
- § 203.605— Loss mitigation performance.
- § 203.606— Pre-foreclosure review.
- § 203.608— Reinstatement.
- § 203.610— Relief for mortgagor in military service.
- § 203.614— Special forbearance.
- § 203.616— Mortgage modification.
- § 203.664— Processing defaulted mortgages on property located on Indian land.
- § 203.665— Processing defaulted mortgages on property located on Hawaiian home lands.
- § 203.666— Processing defaulted mortgages on property in Allegany Reservation of Seneca Nation of Indians.
- § 203.670— Conveyance of occupied property.
- § 203.671— Criteria for determining the Secretary's interest.
- § 203.672— Residential areas.
- § 203.673— Habitability.
- § 203.674— Eligibility for continued occupancy.
- § 203.675— Notice to occupants of pending acquisition.
- § 203.676— Request for continued occupancy.
- § 203.677— Decision to approve or deny a request.
- § 203.678— Conveyance of vacant property.
- § 203.679— Continued occupancy after conveyance.
- § 203.680— Approval of occupancy after conveyance.
- § 203.681— Authority of HUD Field Office Managers.