Introduction

Information by State  Print version

     This Reference Guide is intended as a supplement to handbooks, mortgagee letters and other official policy issued by Headquarters in Washington D.C. This Guide should not be relied upon as a sole source of information, but should be used in conjunction with policy issued from Washington D. C.

    Underwriters and appraisers are responsible for adherence to all policies contained in this Guide and should refer to it on a regular basis to verify the latest policies in effect. This Guide will be updated and published on the Internet on an ongoing basis in order to provide lenders and appraisers with changes in a timely manner.

     FHA functions primarily through the Direct Endorsement loan program. This means that all final underwriting decisions at the lenders office are rendered by the Direct Endorsement Underwriter. Although this Guide may be utilized as a reference source for all lending professionals, questions and additional guidance should go to the Direct Endorsement Underwriter at the lenders office.     

     While using this Guide you will see some underlined words. Most of these are active links to additional information on either the immediate or a related subject. You can get to these sites by clicking on the underlined word.

For further information please contact the FHA Resource Center.