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FHA Delegation Mortgage Policy Manual

To strengthen the Federal Housing Administration (FHA) by improving the Agency's management of risk, HUD issued a final rule which became effective on May 20, 2010, adopting changes regarding the approval of mortgage lenders. The rule increased the net worth requirements for FHA-approved mortgagees, eliminated FHA approval of loan correspondents, codified requirements of the Helping Families Save Their Homes Act (HFSH) , and made minor modifications to other aspects of FHA's regulations governing lender activities.


FHA Single Family Housing Policy (HUD Handbook 4000.1, effective September 14, 2015) Doing Business With FHA – FHA Lenders and Mortgagees covers approval and eligibility requirements for Title I and Title II mortgagees.

Establish your delegation policies and procedures for all FHA lending activities, with an overriding goal of improved risk management and integrity, with the AllRegs FHA Delegation Policy Manual. This policy manual aligns with the FHA Single Family Housing Policy Handbook and features sections on the following:

  • FHA's Eligibility and Approval Standards
  • Ownership and Staffing
  • Licensure
  • Capitalization
  • Eligibility Requirements for Lender Insurance Authority


The manual features the following benefits:

  • Complete AllRegs' FHA Delegation Policy Manual, saving you development time and resources
  • Your plan is delivered via email within one business day after purchase
  • Meet your regulatory or internal compliance requirements
  • Affordable one-time purchase fees

Optional Services

Maintenance: Receive regular and ongoing industry updates to keep your policy within regulatory requirements.

Publishing: Publish your manual, including your company procedures, in AllRegs Online to complete your policy manual solution.

Contact your account manager for information regarding these optional services!

Policy Manual
FHA Delegation Mortgage
Section Title Priority Action
1.2 Required Review Mandatory Review Be sure this accurately reflects your company’s annual policy review process.
2.1 Internal Controls Mandatory Review Include or reference related procedures in this section.
3 Staff and Training Mandatory Review Include the means by which your organization provides and tracks required training.
4 Lender General Eligibility and Approval Standards Mandatory Review This section describes four types of FHA lender. You should indicate here your organization’s type.
4.3 Business Form Recommended Best Practice You should add to the introduction of this topic to describe the type of business form that describes your organization. You may note other types as N/A.
4.6.2 Branch Offices Recommended Best Practice It is recommended that you list your branch offices in this section.
4.8 Creditworthiness Optional Enhancement This section applies to Nonsupervised and Investing lenders. You should indicate if this does not apply to your organization, or remove this section.
4.12 Lender Experience Optional Enhancement Depending on your organization’s lender type, this may not apply and you should indicate that or remove the section.
4.13 Funding Program Optional Enhancement If your organization is a lender type other than nonsupervised, you should indicate that or remove the section.
4.17 Quality Control Recommended Best Practice You should reference the name and location of your QC plan, and indicate here if it is contracted to an outside firm.
4.19 Annual Recertification Recommended Best Practice Recertification must occur within 30 days of your organization’s fiscal year end. Include the date of FYE so this 30 day window is clear..