| Single Family Origination
and Single Family Servicing functions
are defined in order of appearance on the FHA Connection menu. Case
Processing Case
Processing allows online processing of an FHA case from initial application through
endorsement. - Case
Number Assignment allows users to:
- Establish
a New Case in
the Computerized Homes Underwriting Management System. The Validate Borrower/Address
for Case Number Assignment function in this process allows input of borrower and
address information for validation purposes.
- Update
an Existing Case
allows a lender, its agent, or sponsor to correct case information prior to endorsement
of the case.
- Use
Holds Tracking which
allows a lender to monitor cases that were held during Case Number Assignment
processing due to:
- duplicate
address
- HOC
review of lender
- inability
to access refinance authorization information
- inability
to
validate borrower(s) information.
Holds Tracking also enables a lender to determine if subsequent changes to borrower
information (e.g., using Borrower/Address Change) failed borrower validation.
- Appraisal
Logging allows a lender to record appraisal information if it is a prerequisite
to insurance. Appraisal information may be corrected prior to endorsement.
- Insurance
Application allows a lender to add, review, or change insurance application
information for a case prior to endorsement. For lenders participating in the
Lender Insurance (LI) program, Insurance Application is also used to endorse a
case (excluding HECM cases).
- HECM
Insurance Application allows a lender to review, add, or change Home Equity
Conversion Mortgage (HECM) information for a case prior to endorsement.
- 203k
Case Close-Out allows a lender to close out an endorsed 203(k) case by electronically
certifying that the required documents have been reviewed or verified for accuracy.
- Appraiser
Reassignment allows a lender to change the initial appraiser assignment prior
to the recording of the appraisal on the case.
- Binder
Selection (available only to lenders approved for the Lender Insurance (LI)
program) is used by LI lenders to get a list of case binders that were requested,
received (including binders for cases awaiting endorsement), or not accepted.
- Borrower/Address
Change allows a lender to review and update borrower details and property
information prior to endorsement.
- CAIVRS
Authorization lists available information on a potential borrower's default,
claim, judgment, or foreclosure on a past government loan or guarantee.
- Case
Query provides case details including mortgage appraisal, closing, upfront
MIP, insurance or general case information.
- Case
Transfer allows a lender who is currently assigned to the case to transfer
the case to a new lender, sponsor, or both.
- Conditional
Commitment allows the originator or sponsor/agent
to view and print the Conditional Commitment form issued by HUD for a HUD-processed
case (not used for DE cases).
- Firm
Commitment allows the originator or sponsor/agent to view and print the Firm
Commitment form issued by HUD for a DE test (preclosing) case or a HUD-processed
case.
- Inspector
Assignment allows assignment
or reassignment of inspectors, addition and update of compliance inspection information
(inspector ID and date), and deletion of the inspector and compliance inspection
information.
- MIC/NOR
List allows lenders to request a list of either MIC or NOR cases. These are
cases that were recently:
- endorsed
for mortgage insurance and issued a Mortgage Insurance Certificate (MIC)
- not
endorsed for mortgage insurance and issued a Notice of Non-Endorsement (also known
as a Notice of Return (NOR)).
- Mortgage
Credit Reject allows a lender to add, update, delete, or view borrower mortgage
credit rejection information for a nonendorsed DE case. This information is reported
when an FHA-approved underwriter determines that a borrower poses a credit risk
and is ineligible for a mortgage.
- Mortgage
Insurance Certificate is used (after a case is endorsed for FHA insurance)
to view and print a Mortgage Insurance Certificate (MIC). This serves as evidence
of FHA insurance on the mortgage loan.
- Notice
of Return allows authorized HUD personnel to specify the reasons(s) a mortgage
loan (case) cannot be endorsed for FHA insurance and to issue a Notice of Return
(NOR). To resolve the NOR, the originator and/or sponsor can use Notice of Return
to view and print the NOR.
- Post-endorsement
Borrower SSN Correction allows loan originators, sponsors, holders, or servicers
to use the FHA Connection to correct borrower SSNs after endorsement. The case
must be an active case in the Single Family Insurance System (SFIS).
- Refinance
Authorization allows lenders to access new refinance information (including
refinance credit), and update the project closing date, contact name, or phone
number. (Not applicable to HECM refinance cases.)
- Refinance
Credit Query is used to determine the refinance credit available for an active
FHA-insured loan (case) that is being refinanced. It provides 30-day and 60-day
calculations based on the projected closing date of the new loan. (Not applicable
to HECM refinance cases.)
Return
to Top FHA
Approval Lists The
functions on the FHA Approval Lists menu provide access to HUD lists and information
required in loan processing. - 203k
Consultants is used to search for 203k consultants by ID, SSN, name, city,
or state.
- ADP
Codes presents a table of ADP Codes used in FHA home mortgages. It offers
users a single source to consult to view a listing of many commonly used codes
according to: applicable section of the National Housing Act; description (name);
specific type of case, e.g., Veterans Affairs Certificate of Reasonable Value
(VA/CRV) or Direct Endorsement (DE); and FHA Insurance Fund, e.g., General Insurance.
For guidance in selecting an ADP Code, see ADP Code Selection by Lender.
- ADP
Code Selection provides assistance in selecting the correct ADP Code. Users
input descriptive information about the specific case, e.g., case type, amortization
type, or applicable Housing program.
- Appraiser
Selection by Lender allows retrieval of basic statistical information about
appraisers that lenders have selected to perform appraisals for FHA cases during
the most recent quarter. The report can be requested for a specified lender name
or for all lenders in a specified state or city. The results provide a breakdown
of the number and percentages of appraisals completed by minority, nonminority,
male, and female appraisers for the lender in the most recent quarterly reporting
period.
- Appraisers
allows search for FHA-approved appraisers included on HUD's Appraiser Roster by
a specific appraiser based upon the appraiser license number, or search by name,
geographic location, FHA examination results, race, gender, status, and/or Appraiser
Qualifications Board (AQB) certification status.
- Condominiums
allows search for condominium projects by location, name, or status.
- Distribution
of Appraisals retrieves appraiser and appraisal-related statistical information
by state, gender, race, lender ID, or lenders with 100-plus cases.
- GSA
Lists links you to the Excluded Parties Listing System (EPLS) maintained by
GSA. EPLS allows users to retrieve lists of people/organizations that are excluded
from doing business with the government.
- HECM
Servicers provides the lending institution, address, name, and contact information
of Home Equity Conversion Mortgage (HECM) Servicers.
- Housing
Counseling Agencies links to lists of approved HECM housing counseling agencies
by state.
- Inspectors
allows search for inspectors by location, ID, name, or status.
- Limited
Denial of Participation is a list of parties excluded for a specific time
period from participation in a HUD program area. This link goes to the HUD Enforcement
Center page which provides the Limited Denial of Participation and Voluntary Abstention
List.
- Mortgage
Limits displays the FHA maximum mortgage limits by state, county, Core Based
Statistical Area (CBSA) (referred to as MSA (Metropolitan Statistical Area)),
and last update for high-cost urban and non-urban areas. The results also include
a summary of the current basic standard FHA mortgage limits, high-cost area FHA
mortgage limits, and Section 214 National Housing Act FHA mortgage limits.
- Non-Profits
allows search for nonprofit agencies by TIN, name, participating state, or authorization.
- Planned
Unit Developments (PUDs) allows search for PUDs by location, PUD ID, name,
or status.
- Underwriter
Registry allows a lender to add, change, or terminate an underwriter.
- Underwriters
allows search for underwriters employed by the requesting mortgagee by ID, name,
location, employment date, and/or status.
- Zip
Codes allows search for zip codes by Field Office, state, city, county code,
or county name. It also provides search capability for jurisdictional and lender
option Field Offices that correspond to a known zip code.
Return
to Top Origination Reports The
Origination Reports menu provides lenders access to HUD-generated reports. Lenders
view only their own reports. The two categories of report are:
- Mortgagee Performance
Report which provides current and historical monthly statistics generated
by HUD on direct endorsement lenders' underwriting, appraisal, and closing performance.
The report provides summary information based on post-endorsement technical reviews.
- Origination
Reports provide status information. There is a two-stage request and retrieval
process. Reports are:
-
chosen via Origination Reports Request
which allows you to select a report type and enter criteria for the request
you wish to receive. A report can be requested for any period of time up to 90
days from beginning date to ending date. Only the most current 13 months of information
is available.
- retrieved
via Origination Reports Retrieval which allows you to retrieve the request
online on the next business day.
- Reports
cover MIP Not Paid, MIP Premium on Non-Endorsed Cases, Mortgagee
Endorsement Status, Mortgagee Pipeline, and Underwriter.
- Underwriter
Activity is used to review a summary of the last officially completed level
of review for a case (loan). If only the initial level of review is completed,
information is not displayed until the HOC specifies that all levels of review
are completed for the case. Lenders have access to reviews of cases (loans) underwritten
by their underwriters. Underwriters have access to their own reviews. Provided
are ratings for one or more underwriting categories and, if applicable, deficiency
codes (technical review reason codes).
Return
to Top Upfront
Premium Collection Upfront
Premium Collection provides detailed information about upfront mortgage insurance
premium (MIP) payments. Its menu options and their descriptions follow:
- Message Board
provides announcements about Upfront Premiums, including information on the status
of options available in Upfront Premium Collection functions.
- Case
Master Summary allows you to request current detailed summary information
on upfront MIP payments for a specific upfront case.
- Payment
Details allows you to display information about each Upfront MIP payment received
for a specific upfront case.
- Case
History allows you to display a detailed chronological list of every upfront
premium transaction and/or event that occurred on a specific upfront case.
- Refund
Details allows you to display information about each upfront premium refund
that was created for a specific upfront case.
- Refinance
Exception Report allows you to request a list of refinance cases that received
an upfront premium payment and either have incorrect refinance information or
have no refinance credit available to put toward the new case. Report results
can be generated for all branches of a lender or for one specific branch.
- Penalties
Due Report allows you to list upfront cases with outstanding late charges
and/or interest due on upfront premium payments. Report results can be generated
for all branches of a lender or for one specific branch.
- List
of Unendorsed Cases allows you to list cases that received an upfront premium
payment but are not yet endorsed. Report results can be generated for all branches
of a lender or for one specific branch.
- Disbursed
Refunds Report displays information about upfront premium refunds that were
disbursed within a specified date range. Report results can be generated for all
branches of a lender or for one specific branch.
Return
to Top Single
Family Servicing Functions Claims
Processing Claims
Processing allows lenders to submit particular claims to HUD for single
family mortgage insurance benefits and to review the status of claims previously
made to HUD. - Claims
Input may be used to enter claims and transmit them to HUD. Use Claims Input
for:
- Claim
Type 01 (Conveyance or Deed in Lieu), Parts A (General Information) and B (Fiscal
Data)
- Claim
Type 07 (Pre-foreclosure), Parts A (General Information) and B (Fiscal Data)
- Claim
Type 31-33 (Loss Mitigation):
- 31
Special forbearance incentive
- 32
Loan Modification incentive
- 33
Partial claim (subordinate mortgage)
- Claims
Input Summary displays claims and comments input on a given day by a user
until entered (at night) into HUD's Claim System. Then, two days following transmission,
lists status of claim.
- Claim
Status provides information about paid and suspended single family mortgage
insurance benefits claims.
- Title
Approval Status provides current information on completed title approvals
for requested cases.
Return
to Top Delinquent
Loans Delinquent
Loans allows lenders to register to use the system to report delinquent cases
and to review delinquent case status, via: - Delinquent
Loan Reporting Registration
- Delinquent
Loan Reporting
- Delinquent
Loan Status Request
HECM
Reports HECM
Reports provides a report for the specified servicer that includes the MIP, late,
interest, and initial fee amounts as they relate to the servicer's HECM cases. Return
to Top Monthly
Premiums Monthly
Premiums provides information on cases in your lender portfolio, monthly mortgage
insurance premiums due, and any discrepancies in the billing-payment process.
The functions provide the following capabilities or information:
- Portfolio
allows you to to process a detailed report on case(s) being serviced, including
case information such as monthly premium, bill type, and servicer transfer date.
- Lender
Notification
provides information
on errors occurring during monthly premium processing, e.g., a monthly premium
payment that was remitted for:
- another
lender's case by you or on your case by another lender
- a
case that was not billed, e.g., a nonendorsed case or one not requiring monthly
premium payments
- Case
Detail provides
current case information. If the case has not been insured, case information is
retrieved from the Computerized Homes Underwriting Management System (CHUMS/F17).
If the case has been insured, case information is retrieved from the Single Family
Insurance System (SFIS/A43). Information about the last three payments is displayed
if monthly mortgage insurance premiums have been paid to the Single Family Premium
Collection Subsystem - Periodic (SFPCS-P/A80B).
- Advance
Notices (available by the 10th day of each month) provides information about
monthly premium changes for cases in the servicing lender's portfolio having an
annual premium anniversary due date the following month. Advance Notices also
includes cases endorsed the month before the report file was created, transferred
to the servicing lender's portfolio the month before the report file was created,
and that will no longer be billed for monthly premium (in a one-time report of
0.00 premium).
- Billing
(available by the 17th day of each month) provides the monthly premium, late,
and interest charges for cases in the servicing lender's portfolio that require
monthly premium payments.
- Reconciliation
(available by the 17th day of each month) provides discrepancies between what
was billed in the prior billing period and what was paid (or is still owed) as
of the current billing period. It also includes current period billing information,
e.g., any premium, late, and interest charges assessed in the current billing
period, as well as charges assessed in the last billing period.
- Refund
Transactions provides information about case refunds that were created or
had a change in status during the current month. It is cumulative and is updated
weekly (available every Monday). The complete Refund Transactions report file
for the month is available on the second day of the following month.
- Reallocation
Transactions provides information about funds that were reallocated to and/or
from a servicing lender's cases. Funds from one case (source case) may be redistributed
to up to three cases (target cases) per reallocation transaction. The Reallocation
Transactions report file is cumulative and is updated weekly (available every
Monday). The complete Reallocation Transactions report file for the month is available
on the second day of the following month.
Return
to Top
Mortgage Record Changes
Mortgage
Record Changes allows change of case servicer or holder information, recording
an assumption, terminating insurance, and adjusting or resetting the month and
year that the last monthly MIP is assessed. Use: - Servicer/Holder
allows processing of a servicer and/or holder transfer for a selected case
- Mortgage
Assumption allows processing of a mortgagor assumption for a selected case.
- Insurance
Termination allows processing of mortgage insurance termination for a selected
case
- Monthly
MIP Cancellation allows change of the month and year that the last monthly
insurance premium (MIP) is assessed (premium due the first of the following month).
Refer to the Help on this page for details.
- Monthly
MIP Reset allows a user to reset the final bill date back to the computed
value if the final bill date was changed in error.
Mortgage
Calculator Mortgage
Calculator may be used to generate a billing schedule for new and existing FHA
insured cases. Mortgage Servicing Data Quality System Mortgage
Servicing Data Quality System can be used to find results of transfers, assumptions
and termination transactions sent electronically to the Single Family Insurance
System for a specific case, time period, or resulting error code. It can also
be used to obtain a detailed description of a particular error code and how to
resolve the error and to view the results of pre-endorsement transfer transactions
sent via EDI, FHA Connection (FHAC), or FHAC Business to Government (B2G) within
a specific time frame. Lender
Query by Case Number Lender
Query by Case Number is a tool to assist lenders in data reconciliation and validation.
It allows query by case number and original mortgage amount (both required fields).
The current servicer and holder for a case may view some 150 case information
fields; users who do not hold the case in their portfolio view only the public
fields. Return
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