Insurance Application - Messages

Some of the messages that may appear when processing Insurance Application are explained below.

WARNING
Pending Borrower Validation

Borrower identification information that was previously added or corrected is being validated against government records. The next business day, use Holds Tracking on the Case Number Assignment menu to determine if borrower(s) passed or failed validation. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING
All Borrowers Passed SSN Validation - Name, SSN or DOB Changes Will Revalidate

The name, Social Security Number (SSN), and date of birth (DOB) combination of each borrower passed validation against government records. If a borrower's name, Social Security Number, and/or date of birth are changed via Insurance Application, the borrower is subject to revalidation. If further processing of the case is necessary, select Other Functions near the top of the page and make a selection from the drop-down list.

Return to top

WARNING

Borrower Validation Failed for Borrower(s): #n

The name, Social Security Number, and birth date combination of one or more borrowers failed validation against government records. The sequential number of the borrower that failed is provided (e.g., #2 for the second borrower listed). The case is placed on the Holds Tracking list for three to five business days. Use Holds Tracking on the Case Number Assignment menu to get further details on the validation failure. A case warning is issued and the case cannot be endorsed for FHA insurance without HOC acknowledgment of the warning. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

ERROR
Insurance Application Processed; Errors Exist

Information entered on the Insurance Application Update page was saved. However, there are errors that must be corrected before processing is successfully completed. On the Insurance Application Update page, click Review Error(s) to go to the Error(s) Detected field in the Details section near the bottom of the page. An explanation of the error is provided. The field that directly relates to the error is highlighted. Add or correct the information specified in the Error(s) Detected field. Additional details are provided for some of the errors by clicking Details. After the correction is made, submit again for processing.

Here are explanations of some of the errors encountered with respect to the upfront mortgage insurance premium (UFMIP):

Penalties Due on MIP: There are unpaid late/interest charges with respect to a late upfront mortgage insurance premium (MIP) payment. If you are authorized, use the FHA Connection's Upfront Premium Collection menu to view upfront mortgage insurance premium (MIP) payment information.
UFMIP Received of [amount] Is Less than UFMIP Due of [amount]: The upfront mortgage insurance premium (UFMIP) paid is less than the amount required for endorsement. Verify the mortgage amount, MIP financed indicator, loan term, closing date, ADP code, and 7/1/91 refinance indicator on the Insurance Application page. If you are authorized, use the FHA Connection's Upfront Premium Collection menu to view upfront mortgage insurance premium (MIP) payment information.

Return to top

ERROR
Insurance Application Not Processed Due to Error(s)

On the Insurance Application Update page, click Review Error(s) to go to the Error(s) Detected field in the Details section near the bottom of the page. An explanation of the error is provided. The field that directly relates to the error is highlighted. Add or correct the information specified in the Error(s) Detected field. Additional details are provided for some of the errors by clicking Details. After the correction is made, submit again for processing. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Update page and make a selection from the drop-down list.

Return to top

SUCCESS
Insurance Application Successfully Completed

The insurance information has been recorded in HUD's origination system. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING
Insurance Application Successfully Completed
Warning: Pending Borrower Validation;
Check Holds Tracking Next Business Day

Borrower identification information that was added or corrected via Insurance Application is being validated overnight against government records. The next business day, use Holds Tracking on the Case Number Assignment menu to determine if borrower(s) passed or failed validation. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING
Insurance Application Successfully Completed
Borrower [Coborrower] Found on Multiple Loan File

HUD's origination system has a record of other FHA-insured mortgages with which the borrower or coborrower is associated. Contact your HUD Homeownership Center (HOC). If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING
Insurance Application Successfully Completed
Borrower [Coborrower] Found as Claim Default on CAIVRS File

The Credit Alert Verification Reporting System (CAIVRS) has found a claim or default claim or default recorded for the borrower or coborrower. Use CAIVRS Authorization on the Case Processing menu to get further details. If the borrower or coborrower has a loan insured by HUD that is currently delinquent or has had a claim paid, contact your HUD Homeownership Center (HOC). If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING
Insurance Application Successfully Completed
Borrower [Coborrower] is Sanctioned

HUD Headquarters or the Homeownership Center (HOC) imposed a sanction on the borrower or coborrower, such as a suspension, debarment, or limited denial of participation. Contact your HUD Homeownership Center (HOC). If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING

Insurance Application Successfully Completed
Case Insured; Query Only

The case is endorsed for FHA mortgage insurance and information can only be viewed. To view additional information for the same case, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING

Insurance Application Successfully Completed
Property Zip Code Disagrees with Condo (Subdivision) Zip Code

The property zip code does not match the FHA's records for the zip code of the PUD or condominium. Use Planned Unit Development or Condominium on the FHA Approval Lists menu to verify the zip code. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING

Insurance Application Successfully Completed
Submission of Current Payment History Required

Insurance Application information was entered and processed more than three months after the closing date. Documentation supporting the fact that all mortgage payments are current must be included in the case binder. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Return to top

WARNING

Insurance Application Successfully Completed
UFMIP Paid of [amount] Exceeds due of [amount] by [amount]

There was an overpayment of the upfront mortgage insurance premium (UFMIP). A refund is automatically generated at the time of endorsement if the excess amount is over $25.00. If the excess amount is less than $25.00, a written request for a refund must be submitted. Review all entries affecting the MIP calculation (such as Mortgage Amount and UFMIP Financed, Closing Date, Term of Loan, and ADP Code) to be sure they are accurate. If further processing of the case is necessary, select Other Functions near the top of the Insurance Application Results page and make a selection from the drop-down list.

Insurance Application - Messages

See Also