Home/CFR/Title 24/Part 203
FEDERAL · 24 CFR

Part 203 — Single Family Mortgage Insurance

248 sections · Title 24: Housing and Urban Development

§ 203.1Underwriting procedures.
§ 203.3Approval of mortgagees for Direct Endorsement.
§ 203.4Approval of mortgagees for Lender Insurance.
§ 203.5Direct Endorsement process.
§ 203.6Lender Insurance process.
§ 203.7Commitment process.
§ 203.8Approval of mortgagees for Direct Endorsement Lender Review and Approval Process (DELRAP).
§ 203.9Disclosure regarding interest due upon mortgage prepayment.
§ 203.10Informed consumer choice for prospective FHA mortgagors.
§ 203.12Mortgage insurance on proposed or new construction.
§ 203.14Builders' warranty.
§ 203.15Certification of appraisal amount.
§ 203.16Certificate and contract regarding use of dwelling for transient or hotel purposes.
§ 203.16aMortgagor and mortgagee requirement for maintaining flood insurance coverage.
§ 203.17Mortgage provisions.
§ 203.18Maximum mortgage amounts.
§ 203.18aSolar energy system.
§ 203.18bIncreased mortgage amount.
§ 203.18cOne-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage amounts.
§ 203.18dMinimum principal loan amount.
§ 203.19Qualified mortgage.
§ 203.20Agreed interest rate.
§ 203.21Amortization provisions.
§ 203.22Payment of insurance premiums or charges; prepayment privilege.
§ 203.23Mortgagor's payments to include other charges.
§ 203.24Application of payments.
§ 203.25Late charge.
§ 203.26Mortgagor's payments when mortgage is executed.
§ 203.27Charges, fees or discounts.
§ 203.28Economic soundness of projects.
§ 203.29Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.
§ 203.30Certificate of nondiscrimination by the mortgagor.
§ 203.31Mortgagor of a principal residence in military service cases.
§ 203.32Mortgage lien.
§ 203.33Relationship of income to mortgage payments.
§ 203.34Credit standing.
§ 203.35Disclosure and verification of Social Security and Employer Identification Numbers.
§ 203.36§ 203.36 [Reserved]
§ 203.37Nature of title to realty.
§ 203.37aSale of property.
§ 203.38Location of dwelling.
§ 203.39Standards for buildings.
§ 203.40Location of property.
§ 203.41Free assumability; exceptions.
§ 203.42Rental properties.
§ 203.43Eligibility of miscellaneous type mortgages.
§ 203.43aEligibility of mortgages covering housing in certain neighborhoods.
§ 203.43bEligibility of mortgages on single-family condominium units.
§ 203.43cEligibility of mortgages involving a dwelling unit in a cooperative housing development.
§ 203.43dEligibility of mortgages in certain communities.
§ 203.43e§ 203.43e [Reserved]
§ 203.43fEligibility of mortgages covering manufactured homes.
§ 203.43gEligibility of mortgages in certain communities.
§ 203.43hEligibility of mortgages on Indian land insured pursuant to section 248 of the National Housing Act.
§ 203.43iEligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act.
§ 203.43jEligibility of mortgages on Allegany Reservation of Seneca Nation of Indians.
§ 203.44Eligibility of advances.
§ 203.45Eligibility of graduated payment mortgages.
§ 203.47Eligibility of growing equity mortgages.
§ 203.49Eligibility of adjustable rate mortgages.
§ 203.50Eligibility of rehabilitation loans.
§ 203.51Applicability.
§ 203.52Acceptance of individual residential water purification equipment.
§ 203.249Effect of amendments.
§ 203.251Definitions.
§ 203.255Insurance of mortgage.
§ 203.256Insurance of open-end advance.
§ 203.257Creation of the contract.
§ 203.258Substitute mortgagors.
§ 203.259Method of payment of MIP.
§ 203.259aScope.
§ 203.260Amount of mortgage insurance premium (periodic MIP).
§ 203.261Calculation of periodic MIP.
§ 203.262Due date of periodic MIP.
§ 203.264Payment of periodic MIP.
§ 203.265Mortgagee's late charge and interest.
§ 203.266Period covered by periodic MIP.
§ 203.267Duration of periodic MIP.
§ 203.268Pro rata payment of periodic MIP.
§ 203.269Method of payment of periodic MIP.
§ 203.270Open-end insurance charges.
§ 203.280One-time or Up-front MIP.
§ 203.281Calculation of one-time MIP.
§ 203.282Mortgagee's late charge and interest.
§ 203.283Refund of one-time MIP.
§ 203.284Calculation of up-front and annual MIP on or after July 1, 1991.
§ 203.285Fifteen-year mortgages: Calculation of up-front and annual MIP on or after December 26, 1992.
§ 203.288Discontinuance of adjusted premium charge.
§ 203.295Voluntary termination.
§ 203.315Termination by conveyance to other than Commissioner.
§ 203.316Termination by prepayment of mortgage.
§ 203.317Termination by voluntary agreement.
§ 203.318Notice of termination by mortgagee.
§ 203.319Pro rata payment of premiums and charges.
§ 203.320Notice and date of termination by Commissioner.
§ 203.321Effect of termination.
§ 203.330Definition of delinquency and requirement for notice of delinquency to HUD.
§ 203.331Definition of default, date of default, and requirement of notice of default to HUD.
§ 203.332§ 203.332 [Reserved]
§ 203.333Reinstatement of defaulted mortgage.
§ 203.340Special forbearance.
§ 203.341Partial claim.
§ 203.342Mortgage modification.
§ 203.343Partial release, addition or substitution of security.
§ 203.345Postponement of principal payments—mortgagors in military service.
§ 203.346Postponement of foreclosure—mortgagors in military service.
§ 203.350Assignment of mortgage.
§ 203.351Application for insurance benefits and fiscal data.
§ 203.353Certification by mortgagee.
§ 203.355Acquisition of property.
§ 203.356Notice of foreclosure and pre-foreclosure sale; reasonable diligence requirements.
§ 203.357Deed in lieu of foreclosure.
§ 203.358Direct conveyance of property.
§ 203.359Time of conveyance to the Secretary.
§ 203.360Notice of property transfer or pre-foreclosure sale and application for insurance benefits.
§ 203.361Acceptance of property by Commissioner.
§ 203.362Conditions for withdrawal of application for insurance benefits.
§ 203.363Effect of noncompliance with regulations.
§ 203.364Mortgagee's liability for property expenditures.
§ 203.365Documents and information to be furnished the Secretary; claims review.
§ 203.366Conveyance of marketable title.
§ 203.367Contents of deed and supporting documents.
§ 203.368Claims without conveyance procedure.
§ 203.369Deficiency judgments.
§ 203.370Pre-foreclosure sales.
§ 203.371Partial claim.
§ 203.375-203.376§§ 203.375-203.376 [Reserved]
§ 203.377Inspection and preservation of properties.
§ 203.378Property condition.
§ 203.379Adjustment for damage or neglect.
§ 203.380Certificate of property condition.
§ 203.381Occupancy of property.
§ 203.382Cancellation of hazard insurance.
§ 203.385Types of satisfactory title evidence.
§ 203.386Coverage of title evidence.
§ 203.387Acceptability of customary title evidence.
§ 203.389Waived title objections.
§ 203.390Waiver of title—mortgages or property formerly held by the Secretary.
§ 203.391Title objection waiver with reduced insurance benefits.
§ 203.400Method of payment.
§ 203.401Amount of payment—conveyed and non-conveyed properties.
§ 203.402Items included in payment—conveyed and non-conveyed properties.
§ 203.402aReimbursement for uncollected interest.
§ 203.403Items deducted from payment—conveyed and non-conveyed properties.
§ 203.404Amount of payment—assigned mortgages.
§ 203.405Debenture interest rate.
§ 203.406Maturity of debentures.
§ 203.407Registration of debentures.
§ 203.408Form and amounts of debentures.
§ 203.409Redemption of debentures.
§ 203.410Issue date of debentures.
§ 203.411Cash adjustment.
§ 203.412Payment for foreclosure alternative actions.
§ 203.413Amount of payment—Single Family Sale assignments.
§ 203.414Amount of payment—partial claims.
§ 203.415Delivery of certificate of claim.
§ 203.416Amount and items of certificate of claim.
§ 203.417Rate of interest of certificate of claim.
§ 203.420Nature of Mutual Mortgage Insurance Fund.
§ 203.421Allocation of Mutual Mortgage Insurance Fund income or loss.
§ 203.422Right and liability under Mutual Mortgage Insurance Fund.
§ 203.423Distribution of distributive shares.
§ 203.424Maximum amount of distributive shares.
§ 203.425Finality of determination.
§ 203.426Inapplicability to housing in older declining urban areas.
§ 203.427Statute of limitations on payment of distributive shares.
§ 203.430Sale of interests in insured mortgages.
§ 203.431Sale of insured mortgage to approved mortgagee.
§ 203.432Effect of sale of insured mortgage.
§ 203.433Assignments, pledges and transfers by approved mortgagee.
§ 203.434Declaration of trust.
§ 203.435Transfers of partial interests.
§ 203.436Claim procedure—graduated payment mortgages.
§ 203.437Mortgages involving a dwelling unit in a cooperative housing development.
§ 203.438Mortgages on Indian land insured pursuant to section 248 of the National Housing Act.
§ 203.439Mortgages on Hawaiian home lands insured pursuant to section 247 of the National Housing Act.
§ 203.439aMortgages on property in Allegany Reservation of Seneca Nation of Indians authorized by section 203(q) of the National Housing Act.
§ 203.440Definitions.
§ 203.441Insurance of loan.
§ 203.442Contract created by Insurance Certificate or by endorsement.
§ 203.443Insurance premium.
§ 203.457Voluntary termination of contract.
§ 203.458Termination by prepayment of loan.
§ 203.459Notice of termination by lender.
§ 203.462Pro rata payment of premium before termination.
§ 203.463Notice and date of termination by Commissioner.
§ 203.464Effect of termination.
§ 203.466Definition of delinquency and requirement for notice of delinquency to HUD.
§ 203.467Definition of default, date of default, and requirement of notice of default to HUD.
§ 203.468§ 203.468 [Reserved]
§ 203.469Reinstatement of defaulted loan.
§ 203.471Special forbearance.
§ 203.472Relief for borrower in military service.
§ 203.473Claim procedure.
§ 203.474Maximum claim period.
§ 203.476Claim application and items to be filed.
§ 203.477Certificate by lender when loan assigned.
§ 203.478Payment of insurance benefits.
§ 203.479Debenture interest rate.
§ 203.481Maturity of debentures.
§ 203.482Registration of debentures.
§ 203.483Forms and amounts of debentures.
§ 203.484Redemption of debentures.
§ 203.486Issue date of debentures.
§ 203.487Cash adjustment.
§ 203.488Sale of interests in insured loans.
§ 203.489Sale of insured loan to approved lender.
§ 203.491Effect of sale of insured loan.
§ 203.492Assignments, pledges and transfers by approved lender.
§ 203.493Declaration of trust.
§ 203.495Transfers of partial interests.
§ 203.496Actions to be taken by mortgagee or lender.
§ 203.499Effect of amendments.
§ 203.500Mortgage servicing generally.
§ 203.501Loss mitigation.
§ 203.502Responsibility for servicing.
§ 203.508Providing information.
§ 203.510Release of personal liability.
§ 203.512Free assumability; exceptions.
§ 203.550Escrow accounts.
§ 203.552Fees and charges after endorsement.
§ 203.554Enforcement of late charges.
§ 203.556Return of partial payments.
§ 203.558Handling prepayments.
§ 203.600Mortgage collection action.
§ 203.602Delinquency notice to mortgagor.
§ 203.604Contact with the mortgagor.
§ 203.605Loss mitigation performance.
§ 203.606Pre-foreclosure review.
§ 203.608Reinstatement.
§ 203.610Relief for mortgagor in military service.
§ 203.614Special forbearance.
§ 203.616Mortgage modification.
§ 203.664Processing defaulted mortgages on property located on Indian land.
§ 203.665Processing defaulted mortgages on property located on Hawaiian home lands.
§ 203.666Processing defaulted mortgages on property in Allegany Reservation of Seneca Nation of Indians.
§ 203.670Conveyance of occupied property.
§ 203.671Criteria for determining the Secretary's interest.
§ 203.672Residential areas.
§ 203.673Habitability.
§ 203.674Eligibility for continued occupancy.
§ 203.675Notice to occupants of pending acquisition.
§ 203.676Request for continued occupancy.
§ 203.677Decision to approve or deny a request.
§ 203.678Conveyance of vacant property.
§ 203.679Continued occupancy after conveyance.
§ 203.680Approval of occupancy after conveyance.
§ 203.681Authority of HUD Field Office Managers.