Invalid and incomplete borrower information can result in denial of FHA insurance endorsement (i.e., a NOR may be issued). Use Insurance Application to enter and/or correct information in Borrower Information (name, Social Security Number (SSN), birth date, ethnicity, race, sex, etc.; or, if borrower is a nonprofit agency, Taxpayer Identification Number (TIN) must identify an FHA-approved agency). Each time the borrower information is updated, it is validated against several government agency records.

If the borrower or a coborrower is found to be associated with other FHA-insured mortgages, or has a claim or default recorded for a federal or FHA-insured loan, a warning message and brief explanation are displayed. Case processing can continue, but the warning may warrant further investigation of the borrower/coborrower.

If an error occurs, an Error message is displayed with additional information at the bottom of the page. You must correct the error to continue processing.

Click Add Another Borrower to add a co-borrower if needed.

Additionally, borrower identification information (i.e., borrower name/birth date/SSN combination) is submitted for overnight validation. The results of the validation can be obtained the next business day using Holds Tracking on the Case Processing menu (see WINK, Holds Tracking).