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Lender Insurance Program

FHA's Lender Insurance Program (LI) enables high-performing lenders to insure FHA forward mortgage loans without a pre-endorsement review by HUD.

This expedited procedure is part of HUD's overall effort to make the processing of FHA loans easier and more cost-efficient so that lenders will be better able to offer FHA insured loans and expand the availability of affordable financing for potential homebuyers.

With the LI program, lenders self insure FHA loans and submit only those case binders (paper or electronic) when requested for review by HUD. HUD requests approximately 6% of insured loans for review. This new, re-designed process has reduced processing time by one third and decreased direct insuring expense by as much as 25 percent. The need to submit case binders to satisfy Notices of Return (NORs) has been dramatically reduced under LI.

Lenders can find out more about the Lender Insurance Program by reading HUD Handbook 4000.1, Section I.A.5.b, Title II Single Family Lender Insurance Authority.  FHA Single Family has provided this guide to assist lenders, Homeownership Center (HOC) staff, and contractors who participate in the pre-insurance review, post endorsement technical review, and appraisal review processes.  LI lenders are strongly encouraged to submit electronic case binders. The Electronic Case Binder Developer's Guide provides information for lenders' software development and maintenance staff regarding the submission of electronic case binders. Lenders can also choose to submit electronic case binders using an e-document vendor.

We have compiled a list of vendors who have established the interface required to participate in the Electronic Case Binder Program. This list is not meant to endorse, recommend, or require use of any particular vendor on this inventory. If you know of other vendors that should be on this list or you discover content inaccuracies in this list, please email

Fiserv - or phone (407) 514-3272

Virpak - or phone (703) 734-1133 ext. 2

Xerox Mortgages Services/BlitzDocs -