| Field |
Description |
| General
Information
|
|
FHA Case Number | Unique 10-digit identifier assigned to the mortgage by the Federal Housing
Administration (FHA). |
| Case Type |
FHA classification of the case, including:
| Regular HUD:
Case is processed by HUD and, except for a
streamline refinance, requires an appraisal and issuance of a Conditional
Commitment or Rejection Notice. (Obsolete) |
| Irregular HUD: Primarily,
a case processed in part by lender or HUD's Real Estate Owned (REO) Branch.
The property has already been appraised (except for a 203k or REO case).
A Home Equity Conversion Mortgage (HECM) classified as an Irregular HUD
case type is processed entirely by HUD. Used for REO, military, and HECM
properties. (Obsolete) |
| HUD VA/CRV: Case
has a Certificate of Reasonable Value and an appraisal by an FHA-approved
appraiser. It has been underwritten by the Department of Veterans Affairs. (Obsolete) |
| DE VA/CRV: Direct
endorsement case processed by the lender and having a Certificate of Reasonable
Value. The Department of Veterans Affairs has done the appraisal review
and mortgage credit analysis is to be done by the lender. |
| Regular DE: Direct
endorsement case primarily processed by the lender. Lender performs all
or part of the property appraisal, if required, and the borrower evaluation. |
|
| Construction Code | Building status, including:
| Proposed Construction: Property where no concrete or permanent material has been placed. (Digging of footing is not considered permanent.) |
| Substantial Rehabilitation: Property is being repaired and mortgage is being insured under Section 203(k). (Not applicable to a HECM case.) |
| Under Construction: Construction period from the first placement of permanent material to 100 percent completion with no Certificate of Occupancy (or equivalent). |
Existing Construction: Property where construction is 100 percent complete and the building is habitable.
| Notes: |
| • |
The FHA treats an occupied property that has been completed less than one year from the issuance of the Certificate of Occupancy (or equivalent) as an existing property. |
| • |
For Manufactured Housing, Existing Construction refers to a manufactured home that has been permanently installed on a site for one year or more prior to the Case Number Assignment date. |
|
| New Construction (Less than 1 Year): Property that is 100 percent complete and was completed less than one year from the date of the issuance of the Certificate of Occupancy (or equivalent). The property was never occupied. |
| Note: For Manufactured Housing, New Construction refers to a manufactured home that has been permanently erected on a site for less than one year prior to the Case Number Assignment date. |
|
| ADP Code | Automated data processing code related to the section
of the National Housing Act under which mortgage insurance is being requested. |
| Program ID | FHA's two-character identifier
for the mortgage insurance program under which the application is being
made. |
| Living Units | Number of separate dwellings. For example, a two-family house has 2 living units. |
|
| ADP
Code Characteristics |
| Amortization
Type | Loan amortization classification, including:
| Fixed: Amount
of the payment and the interest rate remain fixed for the life of the loan. |
| Adjustable Rate Mortgage (ARM): Interest rate changes over the life of the loan
relative to changes in the index rate. Also called Adjustable Mortgage Loan
(AML) or Variable Rate Mortgage (VRM). |
| Graduated Payment Mortgage (GPM): Payments are low for the first few years, gradually
increase for a few years, and then remain fixed.* |
| Growing Equity Mortgage (GEM): Scheduled increases in payments, with the additional
amount being used to reduce the principal.* |
| *Note: GPM and GEM are now obsolete for a Home Equity Conversion Mortgage (HECM). |
|
| Housing
Program | Type of Federal Housing Administration (FHA) Single
Family Housing program, including:
| FHA
Standard Mortgage Program (203b): Basic FHA mortgage
insurance for one- to four-family housing. |
| Condominium
(203b): FHA mortgage insurance for a unit in a
condominium building (which must contain at least four dwelling units). |
| Improvements (203k): FHA
mortgage insurance for a loan that covers both the acquisition and rehabilitation
of a home. |
| Home Equity Mortgage (255): FHA insurance on a reverse
mortgage for a home (Home Equity Conversion Mortgage or HECM). Note: Applicable to cases assigned an FHA case number on or after September 30, 2013. |
| Home
Equity Mortgage (255) - Standard: FHA insurance on a reverse
mortgage for a home (Home Equity Conversion Mortgage or HECM). Note: Applicable to cases assigned an FHA case number on or before September 28, 2013 and with a closing date on or before December 31, 2013. (Obsolete) |
| Home
Equity Mortgage (255) - Saver: FHA insurance on a reverse
mortgage for a home (Home Equity Conversion Mortgage or HECM). The upfront mortgage insurance premium and the amount of funds (principal limit) available to the borrower are less than the standard HECM. Note: Applicable to cases assigned an FHA case number on or before September 28, 2013 and with a closing date on or before December 31, 2013. (Obsolete) |
Urban Renewal (220): FHA mortgage insurance for new or rehabilitated housing
located in a designated urban renewal area or area with concentrated programs
of code enforcement and neighborhood development. |
| HOPE
for Homeowners (257): FHA mortgage insurance for
a distressed loan being refinanced under the HOPE for Homeowners program (obsolete for endorsements after 09/30/2011). |
| Other: Less
common FHA Single Family Housing program (e.g., 235(r) Homeownership Assistance/Refinance
or 240 Fee Title Purchases). |
|
|
Property Type | Indicator specifying whether the property is a condominium unit. |
| Special
Program | Type of Federal Housing Administration (FHA) Single Family Housing special program,
including:
| No Special Program: A special housing program is not applicable. |
| Indian Lands: FHA
mortgage insurance for property located on Native American trust land or
otherwise restricted land (property eligible for insurance pursuant to Section
248 of the National Housing Act). |
| Hawaiian Homelands: FHA
mortgage insurance for property located within Hawaiian homelands (property
eligible for insurance pursuant to Section 247 of the National Housing Act). |
| Military Impact Area:
FHA mortgage insurance for property located in a
military impacted area designated by the Secretary of Defense (property
eligible for insurance pursuant to Section 238(c) of the National Housing
Act). (Obsolete) |
|
223(e) Location Waiver: FHA
mortgage insurance for property in an older, declining urban area where
there is a need for affordable housing (property eligible for insurance
pursuant to Section 223(e) of the National Housing Act). |
|
| Buydown | Indicator specifying whether there is an interest buydown sales incentive to reduce the amount of the borrower's payments during the early years of the loan. |
| Principal Write-down |
For a refinance case, this is an indicator specifying whether there was a reduction in the amount owed on the original first lien mortgage as a result of the refinance.
| Not a principal write-down: Amount owed on the original first lien mortgage was not reduced. |
| >=10% of first existing lien - Short Refi: Conventional refinance case (prior mortgage was not FHA insured) where the amount owed on the original first lien mortgage was reduced by 10 percent or more and the case is being processed under the guidelines of Mortgagee Letter 2010-23, FHA Refinance of Borrowers in Negative Equity Positions. |
| Principal write-down - not Short Refi: Any type of refinance case (forward mortgage) where the amount owed on the original first lien mortgage was reduced as a result of the refinance. |
Note: Not applicable to a HECM case. |
| Borrower Type | Classification of the borrower in relation to the property.
| Occupant:
Resides on the property. | | Landlord:
Rents or leases the property. | | Escrow
Commitment: Builder, rehabilitator, or investor that is purchasing or refinancing
the property as an investment but intends to sell the rehabilitated property to
a borrower acceptable to HUD (who will occupy the property as a principal residence). |
| Corporation/Partnership
(Refi): Business entity under which a mortgage was originally insured and
is now being processed as a refinance. | | Government
Agency/Nonprofit: State or local government entity involved in the provision
of housing. Nonprofit agency that will sell or lease the property to a low-
or moderate-income individual. | |
| Loan Purpose | Specifics on the purpose of the mortgage.
| Existing Occupied: Existing house previously occupied. |
| Finance Improvements: Improvements to existing house are being financed. |
| Refinance: Prior
loan by the same borrower for same property. |
| New Condominium: Purchase
of a condominium unit not previously occupied. |
| Existing Condominium: Purchase of a condominium unit previously occupied. |
| Existing Never Occupied: Purchase of a house that was never occupied. |
| Construct New Home: New housing being built with the proceeds to be paid out during construction. |
| Finance co-op: Financing
of the purchase of a cooperative unit (HUD only). |
|
| Return
to top |
|
Borrower Information
|
| [Borrower] Name | Name of the mortgagor.
| • |
Individual: Last name, first name, and middle initial. |
| • |
Nonprofit: Name of the HUD/FHA-approved nonprofit agency provided by the system. |
| • |
Government Entity: Name of the government entity in this format: Government, Entity. |
|
| [Coborrower] Name | Name of the co-mortagor.
| • |
Individual: Last name, first name, and middle initial. |
| • |
Nonprofit: Not applicable; a co-borrower is not permitted. |
| • |
Government Entity: Name of the government entity in this format: Government, Entity. |
|
| Married to NBS |
Indicator specifying whether the borrower is married to a non-borrowing spouse (NBS). This is a spouse, as defined by the state in which the spouse and borrower reside or state of celebration, who is not a borrower (mortgagor) at the time of loan closing.
| • |
No: Not married to a non-borrowing spouse. |
| • |
Eligible Spouse: Married to a non-borrowing spouse that meets the eligibility requirements for deferring the due and payable status of the HECM because of the death of the last surviving mortgagor or other event established by Mortgagee Letters 2014-07 and 2015-02. |
| • |
Ineligible Spouse: Married to a non-borrowing spouse that does not meet the eligibility requirements. |
|
| SSN/TIN: [Number] | Borrower/co-borrower's identification.
| Forward mortgage: |
| • |
SSN: Social Security Number of the individual. (SSN may be masked based on the user's authorizations.) |
| • |
NP TIN: Taxpayer Identification Number (TIN) or Employer Identification Number (EIN) of the HUD/FHA-approved nonprofit agency. |
| • |
GE TIN: Taxpayer Identification Number (TIN) or Employer Identification Number (EIN) of the government entity. |
Home Equity Conversion Mortgage (HECM):
| • |
SSN: Social Security Number of the individual. (SSN may be masked based on the user's authorizations.) |
|
|
| Birth
Date | Month, day, and year (mm/dd/yyyy) of the birth of the borrower/co-borrower. |
| NBS Name # 1, 2, 3, 4, 5 |
Last name, first name, and middle initial of a non-borrowing spouse (NBS) for a Home Equity Conversion Mortgage (HECM); spouse, as defined by the state in which the spouse and borrower reside or state of celebration, who is not a borrower (mortgagor) at the time of loan closing. |
| SSN [NBS # 1, 2, 3, 4, 5] |
Social Security Number of the non-borrowing spouse. (SSN may be masked based on the user's authorizations.) |
| Birth Date [NBS # 1, 2, 3, 4, 5] |
Non-borrowing spouse's date of birth. |
| The following Borrower Information fields are displayed after the information is entered via Insurance Application or HECM Insurance Application: |
| Age |
Age of the borrower/co-borrower. Note: This field may appear for older historical cases. |
| Preferred Language |
Specifies the language the borrower prefers to use. |
| Other |
Text box for entering the borrower's language preference if the Language Preference selected is Other. |
| Borrower
Information |
Indicator specifying whether the borrower/co-borrower disclosed race, ethnicity,
and gender information. Note: This field appears for a mortgage assigned an FHA case number before March 1, 2021. |
| Ethnicity | Indicator specifying whether the borrower/co-borrower is of Latino or Hispanic
descent. |
| Race | Racial background of the borrower/co-borrower. |
| Sex | Gender of the borrower/co-borrower. |
| Was the ethnicity of the Borrower collected on the basis of visual observation or name? |
Specifies whether the borrower's ethnicity was ascertained through visual observation or the borrower's name. Note: This field appears for a mortgage assigned an FHA case number on or after March 1, 2021. |
| Was the sex of the Borrower collected on the basis of visual observation or name? |
Specifies whether the borrower's gender was ascertained through visual observation or the borrower's name. Note: This field appears for a mortgage assigned an FHA case number on or after March 1, 2021. |
| Was the race of the Borrower collected on the basis of visual observation or name? |
Specifies whether the borrower's race was ascertained through visual observation or the borrower's name. Note: This field appears for a mortgage assigned an FHA case number on or after March 1, 2021. |
| The Demographic Information was provided through |
Method by which the borrower's demographic information was received. |
| Has Borrower completed homeownership education (group or web-based classes) within last 12 months? |
Specifies whether the borrower completed a homeownership education course within the last 12 months. If Yes is selected, the following fields are displayed for collecting details:
| • |
Education Format (most recent): Format in which the latest homeownership education course was delivered (Attended Workshop in Person or Completed Web-Based Workshop). |
| • |
HUD Approved Agency ID: Identifier of the HUD-approved housing counseling agency that provided the homeownership education (ID issued by HUD's Housing Counseling System (HCS)).
|
| |
-or- |
| |
Other: Name of the housing education program that provided the homeownership education. |
| • |
Education Completion Date: Date the borrower completed the homeownership education course. |
Note: This field does not appear for a DE HECM case. |
| Has Borrower completed housing counseling (customized counselor-to-client services) within last 12 months? |
Specifies whether the borrower completed housing counseling within the last 12 months. If Yes is selected, the following fields are displayed for collecting details:
| • |
Counseling Format (most recent): Format in which the latest housing counseling was delivered (Face-to-Face, Telephone, Internet, or Hybrid) |
| • |
HUD Approved Agency ID: Identifier of the HUD-approved housing counseling agency that provided the housing counseling (ID issued by HUD's Housing Counseling System (HCS)). |
| |
-or- |
| |
Other: Name of the housing counseling agency that provided the housing counseling. |
| • |
Counseling Completion Date: Date the borrower completed housing counseling. |
Note: This field does not appear for a DE HECM case. |
| First Time Home Buyer | Indicator establishing whether the borrower is purchasing a home for the first
time, has not owned a home in the last three years, or meets certain other conditions
to qualify as a first-time home buyer.
Note: This field does not appear for a DE HECM case. |
| Counsel
Type | Indicator establishing the counseling provided to the borrower.
| N/A: Not applicable to the case. (This option is not available for a case assigned a case number on or after September 14, 2015.) |
| Not Counseled:
Counseling was not provided or counseling was provided by an institution or organization not approved by HUD. |
| Lender: Counseling
was provided by the lender. (This option is not available for a case assigned an FHA case number on or after February 11, 2007.) |
| Third Party:
Counseling was provided by an institution or organization other than
the lender. (This option is not available for a case assigned an FHA case number on or after February 11, 2007.) | | HUD Approved:
Counseling was provided by an institution or organization approved by HUD. |
Note:
This field does not appear for a DE HECM case. |
| Counsel
TIN | Taxpayer Identification Number
(TIN) or Employer Identification Number (EIN) of the HUD-approved counseling agency.
Note: This field does not appear for a DE HECM case. Source: Counseling
certificate. |
| SSN Exempt | Indicator establishing whether the borrower or co-borrower is not required to obtain
a Social Security Number, such as employees of the World Bank or foreign employees
of embassies. (Not applicable to a government agency or nonprofit agency.)Note: This field does not appear for a DE HECM case. |
| Application
Received by | Method by which the Uniform Residential Loan Application (URLA) was received. Note: This field was superseded by The Demographic Information was provided through field and only appears for older cases. Note: This field appears for a mortgage assigned an FHA case number before March 1, 2021. |
| Number of Dependents | Number of persons claimed as dependents.
Note: This field does not appear for a DE HECM case. |
| Marital
Status | Borrower's marital status.
Note: This field does not appear for a DE HECM case. |
|
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|
Property Address
|
| Hse No | House number of the property. |
| Unit | Designation for a specific dwelling located at the property, such as a condominium
apartment number. |
| Pre | Street direction preceding the street name. Example: NW Greenlake Drive. |
| Street Name | Name or number of the street on which the property is located. Examples: Elm or
42. |
| Type | Street classification such as Blvd, Dr, or Pkwy. |
| Post | Street direction following the street name. Example: Greenlake Drive NW. |
| Lot | Identifier for the property's
lot. |
| Blk/Plat | Blk: Three-character identifier for the property's
block.
Plat: Two-character identifier for the property's
plat. |
| City | City in which the property is located. |
| St | State in which the property is
located. |
| Zip Code | U.S. Postal Service Zonal Improvement
Plan (ZIP) code for the geographic location of the property. |
| County | Number code for the county in which the property is located. |
| PUD/Condo Indicator | Planned unit development (PUD), condominium, or subdivision indicator.
| N/A: Not a planned unit development, condominium, or subdivision. |
| PUD: Planned unit development having a combination of diverse land uses in one
contained development or subdivision; development requiring homeowner's
association dues. |
| Condominium: Property is legally defined as a condominium; ownership of a unit in multifamily
building based on a legal description of the airspace the unit occupies,
plus an undivided interest in the ownership of the common elements that
are owned jointly with other condominium unit owners. |
| Subdivision: Tract of land divided into blocks, building lots, and streets according
to a recorded subdivision plat that complies with local ordinances and regulations.
Note: No longer required to be approved by the FHA. |
|
| PUD/Condo ID | FHA's identifier for the planned unit development (PUD) or condominium project. |
| Submission | Planned unit development (PUD) or condominium project submission number. Each
submission number identifies a distinct set of units HUD has on record for the
PUD or condominium project. Formerly referred to as a Phase of the project.
|
| Site Condo | Indicator specifying a special characteristic of the condominium unit:| N/A:
Not applicable. | Site
Condo: Condominium unit is a single family detached dwelling (without a
shared garage or other attached building).
-or-
Condominium unit is a single family detached or horizontally attached (townhouse) dwelling that includes the dwelling and land, is not Manufactured Housing, and is encumbered by a declaration of condominium covenants or a condominium form of ownership. | | Spot
Lot: "Spot loan" approval process used for obtaining FHA mortgage
insurance for a unit in a condominium project that was not previously approved
by the FHA (per Mortgagee Letter 96-41). This option cannot be selected for cases
assigned an FHA case number on or after February 1, 2010 (per Mortgagee Letter
2009-46A). |
| Single-Unit Approval: Condominium unit is not located in an FHA-approved condominium project at the time of case number assignment. |
|
| Name | Name of the PUD or condominium. Note: This field only appears if the case has
been processed as a PUD or condominium. |