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HUD   >   Program Offices   >   Housing   >   Single Family   >   Lenders   >   How to become an FHA Approved Lender
How to Become an FHA-approved Lender

New lender applicants must complete an online application and attach the required documents in accordance with the Single Family Housing Policy Handbook (Handbook 4000.1).  In addition to submitting the required documentation, all lenders must confirm compliance through the Initial Certification Statements.  Applicants must provide an explanation and supporting documentation for all negative responses.

On August 1, 2016, FHA implemented new Initial Certification Statements.  This side-by-side document compares the current certification to the previous version and describes all changes. 

Please do not create credentials until all documents are available to apply for FHA-approval.  Once the account is created, the credentials will automatically expire after 120 days. 

There are four types of FHA lender approval:

Nonsupervised Mortgagee: Lending institutions may apply for this type of approval if they want to: originate, underwrite, close, endorse, service, purchase, hold, or sell FHA-insured Mortgages.

Supervised Mortgagee: Banks, savings banks and credit unions may apply for this type of approval if they want to: originate, underwrite, close, endorse, service, purchase, hold, or sell FHA-insured Mortgages.

Government Mortgagee: Federal, state, or municipal government agencies, Federal Home Loan Banks, Freddie Mac or Fannie Mae may apply for this type of approval if they want to: originate, underwrite, close, endorse, service, purchase, hold, or sell FHA-insured Mortgages.

Investing Mortgagee: Organizations that want to invest funds under its own control may apply for this approval if they want to: purchase, hold, or sell FHA-insured Mortgages.  An Investing Mortgagee may not originate, underwrite, or close FHA-insured Mortgages in its own name or submit applications for FHA mortgage insurance.

Lenders with questions who are currently preparing or planning to apply for FHA approval in the near future may contact the FHA Resource Center at answers@hud.gov or (800) 225-5342.
 

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