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Title 24--Housing and Urban Development
CHAPTER II--OFFICE OF ASSISTANT SECRETARY FOR HOUSING--FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
PART 203--SINGLE FAMILY MORTGAGE INSURANCE
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 | 203.1 | Underwriting procedures. |
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| 203.3 | Approval of mortgagees for Direct Endorsement. |
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| 203.4 | Approval of mortgagees for Lender Insurance. |
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| 203.5 | Direct Endorsement process. |
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| 203.6 | Lender Insurance process. |
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| 203.7 | Commitment process. |
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| 203.9 | Disclosure regarding interest due upon mortgage prepayment. |
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| 203.10 | Informed consumer choice for prospective FHA mortgagors. |
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| 203.12 | Mortgage insurance on proposed or new construction. |
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| 203.14 | Builders' warranty. |
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| 203.15 | Certification of appraisal amount. |
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| 203.16 | Certificate and contract regarding use of dwelling for transient or hotel purposes. |
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| 203.16a | Mortgagor and mortgagee requirement for maintaining flood insurance coverage. |
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| 203.17 | Mortgage provisions. |
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| 203.18 | Maximum mortgage amounts. |
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| 203.18a | Solar energy system. |
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| 203.18b | Increased mortgage amount. |
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| 203.18c | One-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. |
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| 203.18d | Minimum principal loan amount. |
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| 203.19 | Mortgagor's minimum investment. |
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| 203.20 | Agreed interest rate. |
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| 203.21 | Amortization provisions. |
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| 203.22 | Payment of insurance premiums or charges; prepayment privilege. |
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| 203.23 | Mortgagor's payments to include other charges. |
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| 203.24 | Application of payments. |
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| 203.25 | Late charge. |
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| 203.26 | Mortgagor's payments when mortgage is executed. |
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| 203.27 | Charges, fees or discounts. |
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| 203.28 | Economic soundness of projects. |
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| 203.29 | Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands. |
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| 203.30 | Certificate of nondiscrimination by the mortgagor. |
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| 203.31 | Mortgagor of a principal residence in military service cases. |
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| 203.32 | Mortgage lien. |
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| 203.33 | Relationship of income to mortgage payments. |
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| 203.34 | Credit standing. |
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| 203.35 | Disclosure and verification of Social Security and Employer Identification Numbers. |
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| 203.37 | Nature of title to realty. |
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| 203.38 | Location of dwelling. |
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| 203.39 | Standards for buildings. |
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| 203.40 | Location of property. |
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| 203.41 | Free assumability; exceptions. |
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| 203.42 | Rental properties. |
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| 203.43 | Eligibility of miscellaneous type mortgages. |
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| 203.43a | Eligibility of mortgages covering housing in certain neighborhoods. |
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| 203.43c | Eligibility of mortgages involving a dwelling unit in a cooperative housing development. |
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| 203.43d | Eligibility of mortgages in certain communities. |
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| 203.43e | Eligibility of mortgages covering houses in federally impacted areas. |
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| 203.43f | Eligibility of mortgages covering manufactured homes. |
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| 203.43g | Eligibility of mortgages in certain communities. |
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| 203.43h | Eligibility of mortgages on Indian land insured pursuant to section 248 of the National Housing Act. |
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| 203.43i | Eligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act. |
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| 203.43j | Eligibility of mortgages on Allegany Reservation of Seneca Nation of Indians. |
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| 203.44 | Eligibility of advances. |
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| 203.45 | Eligibility of graduated payment mortgages. |
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| 203.47 | Eligibility of growing equity mortgages. |
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| 203.49 | Eligibility of adjustable rate mortgages. |
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| 203.50 | Eligibility of rehabilitation loans. |
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| 203.51 | Applicability. |
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| 203.52 | Acceptance of individual residential water purification equipment. |
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| 203.200 | Definitions. |
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| 203.201 | Scope. |
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| 203.202 | Plan acceptability and acceptance renewal criteria--general. |
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| 203.203 | Issuance and nature of insured 10-year protection plans. |
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| 203.204 | Requirements and limitations of a plan. |
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| 203.205 | Plan coverage. |
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| 203.206 | Housing performance standards or criteria. |
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| 203.207 | Designated area. |
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| 203.208 | Insurance backing criteria. |
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| 203.209 | Payments under a plan. |
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| 203.249 | Effect of amendments. |
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| 203.251 | Definitions. |
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| 203.255 | Insurance of mortgage. |
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| 203.256 | Insurance of open-end advance. |
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| 203.257 | Creation of the contract. |
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| 203.258 | Substitute mortgagors. |
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| 203.259 | Method of payment of MIP. |
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| 203.259a | Scope. |
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| 203.260 | Amount of mortgage insurance premium (periodic MIP). |
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| 203.261 | Calculation of periodic MIP. |
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| 203.262 | Due date of periodic MIP. |
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| 203.264 | Payment of periodic MIP. |
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| 203.265 | Mortgagee's late charge and interest. |
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| 203.266 | Period covered by periodic MIP. |
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| 203.267 | Duration of periodic MIP. |
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| 203.268 | Pro rata payment of periodic MIP. |
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| 203.269 | Method of payment of periodic MIP. |
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| 203.270 | Open-end insurance charges. |
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| 203.280 | One-time MIP. |
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| 203.281 | Calculation of one-time MIP. |
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| 203.282 | Mortgagee's late charge and interest. |
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| 203.283 | Refund of one-time MIP. |
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| 203.284 | Calculation of up-front and annual MIP on or after July 1, 1991. |
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| 203.285 | Fifteen-year mortgages: Calculation of up-front and annual MIP on or after December 26, 1992. |
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| 203.288 | Discontinuance of adjusted premium charge. |
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| 203.295 | Voluntary termination. |
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| 203.315 | Termination by conveyance to other than Commissioner. |
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| 203.316 | Termination by prepayment of mortgage. |
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| 203.317 | Termination by voluntary agreement. |
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| 203.318 | Notice of termination by mortgagee. |
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| 203.319 | Pro rata payment of premiums and charges. |
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| 203.320 | Notice and date of termination by Commissioner. |
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| 203.321 | Effect of termination. |
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| 203.330 | Delinquency and default. |
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| 203.331 | Date of default. |
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| 203.332 | Notice of delinquency. |
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| 203.333 | Reinstatement of defaulted mortgage. |
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| 203.340 | Special forbearance. |
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| 203.341 | Partial claim. |
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| 203.342 | Mortgage modification. |
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| 203.343 | Partial release, addition or substitution of security. |
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| 203.345 | Postponement of principal payments--mortgagors in military service. |
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| 203.346 | Postponement of foreclosure--mortgagors in military service. |
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| 203.350 | Assignment of mortgage. |
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| 203.351 | Application for insurance benefits and fiscal data. |
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| 203.353 | Certification by mortgagee. |
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| 203.355 | Acquisition of property. |
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| 203.356 | Notice of foreclosure and pre-foreclosure sale; reasonable diligence requirements. |
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| 203.357 | Deed in lieu of foreclosure. |
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| 203.358 | Direct conveyance of property. |
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| 203.359 | Time of conveyance to the Secretary. |
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| 203.360 | Notice of property transfer or pre-foreclosure sale and application for insurance benefits. |
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| 203.361 | Acceptance of property by Commissioner. |
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| 203.362 | Conditions for withdrawal of application for insurance benefits. |
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| 203.363 | Effect of noncompliance with regulations. |
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| 203.364 | Mortgagee's liability for property expenditures. |
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| 203.365 | Documents and information to be furnished the Secretary; claims review. |
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| 203.366 | Conveyance of marketable title. |
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| 203.367 | Contents of deed and supporting documents. |
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| 203.368 | Claims without conveyance procedure. |
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| 203.369 | Deficiency judgments. |
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| 203.370 | Pre-foreclosure sales. |
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| 203.371 | Partial claim. |
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| 203.377 | Inspection and preservation of properties. |
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| 203.378 | Property condition. |
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| 203.379 | Adjustment for damage or neglect. |
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| 203.380 | Certificate of property condition. |
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| 203.381 | Occupancy of property. |
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| 203.382 | Cancellation of hazard insurance. |
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| 203.385 | Types of satisfactory title evidence. |
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| 203.386 | Coverage of title evidence. |
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| 203.387 | Acceptability of customary title evidence. |
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| 203.389 | Waived title objections. |
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| 203.390 | Waiver of title--mortgages or property formerly held by the Secretary. |
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| 203.391 | Title objection waiver with reduced insurance benefits. |
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| 203.400 | Method of payment. |
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| 203.401 | Amount of payment--conveyed and non-conveyed properties. |
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| 203.402 | Items included in payment--conveyed and non-conveyed properties. |
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| 203.402a | Reimbursement for uncollected interest. |
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| 203.403 | Items deducted from payment--conveyed and non-conveyed properties. |
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| 203.404 | Amount of payment--assigned mortgages. |
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| 203.405 | Debenture interest rate. |
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| 203.406 | Maturity of debentures. |
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| 203.407 | Registration of debentures. |
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| 203.408 | Form and amounts of debentures. |
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| 203.409 | Redemption of debentures. |
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| 203.410 | Issue date of debentures. |
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| 203.411 | Cash adjustment. |
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| 203.412 | Payment for foreclosure alternative actions. |
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| 203.414 | Amount of payment--partial claims. |
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| 203.415 | Delivery of certificate of claim. |
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| 203.416 | Amount and items of certificate of claim. |
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| 203.417 | Rate of interest of certificate of claim. |
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| 203.420 | Nature of Mutual Mortgage Insurance Fund. |
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| 203.421 | Allocation of Mutual Mortgage Insurance Fund income or loss. |
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| 203.422 | Right and liability under Mutual Mortgage Insurance Fund. |
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| 203.423 | Distribution of distributive shares. |
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| 203.424 | Maximum amount of distributive shares. |
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| 203.425 | Finality of determination. |
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| 203.426 | Inapplicability to housing in older declining urban areas. |
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| 203.427 | Statute of limitations on payment of distributive shares. |
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| 203.430 | Sale of interests in insured mortgages. |
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| 203.431 | Sale of insured mortgage to approved mortgagee. |
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| 203.432 | Effect of sale of insured mortgage. |
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| 203.433 | Assignments, pledges and transfers by approved mortgagee. |
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| 203.434 | Declaration of trust. |
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| 203.435 | Transfers of partial interests. |
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| 203.436 | Claim procedure--graduated payment mortgages. |
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| 203.437 | Mortgages involving a dwelling unit in a cooperative housing development. |
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| 203.438 | Mortgages on Indian land insured pursuant to section 248 of the National Housing Act. |
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| 203.439 | Mortgages on Hawaiian home lands insured pursuant to section 247 of the National Housing Act. |
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| 203.439a | Mortgages on property in Allegany Reservation of Seneca Nation of Indians authorized by section 203(q) of the National Housing Act. |
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| 203.440 | Definitions. |
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| 203.441 | Insurance of loan. |
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| 203.442 | Contract created by Insurance Certificate or by endorsement. |
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| 203.443 | Insurance premium. |
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| 203.457 | Voluntary termination of contract. |
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| 203.458 | Termination by prepayment of loan. |
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| 203.459 | Notice of termination by lender. |
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| 203.462 | Pro rata payment of premium before termination. |
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| 203.463 | Notice and date of termination by Commissioner. |
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| 203.464 | Effect of termination. |
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| 203.466 | Definition of default. |
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| 203.467 | Date of default. |
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| 203.468 | Notice of default. |
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| 203.469 | Reinstatement of defaulted loan. |
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| 203.471 | Special forbearance. |
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| 203.472 | Relief for borrower in military service. |
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| 203.473 | Claim procedure. |
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| 203.474 | Maximum claim period. |
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| 203.476 | Claim application and items to be filed. |
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| 203.477 | Certificate by lender when loan assigned. |
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| 203.478 | Payment of insurance benefits. |
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| 203.479 | Debenture interest rate. |
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| 203.481 | Maturity of debentures. |
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| 203.482 | Registration of debentures. |
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| 203.483 | Forms and amounts of debentures. |
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| 203.484 | Redemption of debentures. |
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| 203.486 | Issue date of debentures. |
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| 203.487 | Cash adjustment. |
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| 203.488 | Sale of interests in insured loans. |
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| 203.489 | Sale of insured loan to approved lender. |
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| 203.491 | Effect of sale of insured loan. |
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| 203.492 | Assignments, pledges and transfers by approved lender. |
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| 203.493 | Declaration of trust. |
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| 203.495 | Transfers of partial interests. |
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| 203.496 | Actions to be taken by mortgagee or lender. |
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| 203.499 | Effect of amendments. |
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| 203.500 | Mortgage servicing generally. |
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| 203.501 | Loss mitigation. |
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| 203.502 | Responsibility for servicing. |
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| 203.508 | Providing information. |
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| 203.510 | Release of personal liability. |
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| 203.512 | Free assumability; exceptions. |
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| 203.550 | Escrow accounts. |
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| 203.552 | Fees and charges after endorsement. |
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| 203.554 | Enforcement of late charges. |
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| 203.556 | Return of partial payments. |
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| 203.558 | Handling prepayments. |
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| 203.600 | Mortgage collection action. |
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| 203.602 | Delinquency notice to mortgagor. |
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| 203.604 | Contact with the mortgagor. |
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| 203.605 | Loss mitigation evaluation. |
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| 203.606 | Pre-foreclosure review. |
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| 203.608 | Reinstatement. |
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| 203.610 | Relief for mortgagor in military service. |
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| 203.614 | Special forbearance. |
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| 203.616 | Mortgage modification. |
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| 203.664 | Processing defaulted mortgages on property located on Indian land. |
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| 203.665 | Processing defaulted mortgages on property located on Hawaiian home lands. |
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| 203.666 | Processing defaulted mortgages on property in Allegany Reservation of Seneca Nation of Indians. |
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| 203.670 | Conveyance of occupied property. |
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| 203.671 | Criteria for determining the Secretary's interest. |
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| 203.672 | Residential areas. |
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| 203.673 | Habitability. |
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| 203.674 | Eligibility for continued occupancy. |
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| 203.675 | Notice to occupants of pending acquisition. |
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| 203.676 | Request for continued occupancy. |
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| 203.677 | Decision to approve or deny a request. |
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| 203.678 | Conveyance of vacant property. |
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| 203.679 | Continued occupancy after conveyance. |
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| 203.680 | Approval of occupancy after conveyance. |
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| 203.681 | Authority of HUD Field Office Managers. |
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