| MIC or NOR Is Issued |
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| The HOC decides whether the insurance application is acceptable or not. |
| Insurance application is acceptable: |
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The case is endorsed for FHA insurance and a Mortgage Insurance Certificate (MIC) is issued electronically via the FHA Connection. This serves as confirmation of the endorsement status of the case. Use MIC/NOR List to view a list of cases that were recently endorsed. Use Mortgage Insurance Certificate to view and print MIC information. (The MIC is not mailed to the lender.) |
| Insurance application is not acceptable: |
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The case is not endorsed for mortgage insurance and is issued a Notice of Return (NOR). Use MIC/NOR List to view a list of cases that were recently issued a NOR. Use Notice of Return (or Case Query) to view case details and determine the reason for the NOR.
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