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What is an FHA Case Number on FHA Home Loans

FHA Case Number

This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers from one lender to a new lender. FHA loans are the most popular loan program in the U.S. Borrowers with lower prior bad credit scores can benefit from FHA loans compared to conventional loans. Not all lenders have the same lending guidelines. Mortgage lenders can have lender overlays. 

Lenders will consider your debt-to-income ratio on your ability to repay your mortgage loan. HUD guidelines generally allow for a higher debt-to-income ratio than other loan programs.

HUD, the parent of FHA, created and launched FHA loans so first-time homebuyers and buyers with less than-perfect credit can qualify for a home loan. HUD’s mission is to promote homeownership to hard-working American families by making homeownership affordable. In the following paragraphs, we will cover what the FHA case number is and how the FHA case number process works.

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What is the Definition of an FHA Case Number

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An FHA case number is a unique identifier assigned to a specific FHA-insured mortgage loan. The Federal Housing Administration (FHA) uses case numbers to track and manage the various loans it insures. When a borrower applies for an FHA-insured home loan, the lender initiates the loan process by obtaining an FHA case number. The FHA case number is crucial for tracking and managing the loan. It is used in various documents and systems related to the FHA-insured loan, including endorsements, claims, and other administrative processes. 

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How Does the FHA Case Number Process Work

Here’s how the FHA case number process generally works: The borrower applies for an FHA-insured mortgage loan through a HUD-approved lender. The lender submits the necessary information of the borrower and the loan to the FHA for approval. This includes details such as borrower information, property details, and terms.

Once HUD receives the loan information, it assigns a unique case number to that specific loan application. HUS reviews the loan application and, if everything meets its requirements, provides approval for the loan.

With FHA approval, the lender can proceed with processing and underwriting the loan. If the loan is approved and closes, it becomes an FHA-insured loan, and the FHA case number remains associated with that loan throughout its life. Borrowers and lenders use the FHA case number for reference when communicating with the FHA or accessing loan information. It helps ensure that all parties can easily identify and track the specific FHA-insured loan.

Importance of Case Numbers on FHA Loans

FHA Case Number

A mandatory requirement for all FHA loans is the inclusion of Case Numbers. The FHA Case Number, a distinctive 10-digit identifier, is allocated to each borrower’s loan file. The assignment of the Case Number is carried out through the case number assignment on FHA Connection . The term “case” refers to the specific FHA loan to which this number is assigned. Irrespective of whether it is a purchase or refinance, the Case Number is obligatory for every FHA loan and is assigned when a borrower applies for such loans.

How To Read FHA Case Number

The initial three digits of an FHA case number indicate the geographical area, including the county and state. The concluding three digits correspond to the ACT sections where FHA Insurance was issued for each property.

You can find the case number at the top of each page in a completed FHA home appraisal.

When a borrower utilizes an FHA loan to purchase a home, the assigned case number pertains to the purchased property. While case numbers can be transferred from one borrower to another, they cannot be transferred from one property to another.

How HUD Case Number Connections Work

Once a home buyer, pre-approved for an FHA loan, initiates the FHA loan process, the lender must acquire a Case Number for the property specified in the buyer’s contract. Nevertheless, the Case Number becomes null and void if the buyer opts not to proceed with the home purchase.

Getting a New FHA Case Number

If a borrower opts to acquire an additional property, obtaining a new Case Number for the second property becomes necessary. In the given scenario, should a different homebuyer wish to buy the initial property previously canceled by the initial borrower, the only requirement is for the new homebuyer to have the Case Number for the initially canceled property transferred to them. In cases where multiple lenders are involved, it can lead to delays in the mortgage process. Lenders holding the original case numbers must facilitate the release of the case Numbers to the new lender.

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How Long Is The FHA Case Number Valid

If an FHA loan with an assigned case number does not close within six months, the initial FHA case number will be voided. In the scenario where FHA modifies the HUD 4000.1 FHA Handbook, replacing it with a revised HUD Handbook that includes changes such as an increase in FHA MIP.

The changes on the updated revised HUD 4000.1 FHA Handbook, the alterations become effective for case numbers assigned on or after the date of the updated FHA programs and guidelines.

FHA case numbers assigned before this date will continue to be underwritten based on the guidelines before the changes as long as the FHA Loan closes within six months.

Benefits of FHA Loans

HUD established mortgage guidelines that are accommodating in terms of down payments and credit requirements. As the overseeing entity of the FHA, HUD aims to enable diligent Americans to achieve homeownership. FHA loans prove advantageous for those with limited funds for a down payment, lower credit scores, higher debt-to-income ratios, bankruptcy or a prior housing event.

Thanks to the government guarantee, lenders have the flexibility to provide FHA loans for home purchases with a minimal 3.5% down payment.

Homebuyers need a credit score as low as 580, all while offering attractive mortgage rates. FHA loans are popular among homebuyers, especially those with less-than-perfect credit and lower credit scores. Remember that guidelines may be subject to change, so it’s essential to verify the latest update on the HUD 4000.1 FHA Handbook with a mortgage professional.

HUD Down Payment Requirements on FHA Loans

The down payment requirement on FHA loans differs depending on the credit score. If you have at least a 580 credit score, the down payment required is 3.5% of the purchase price. If your credit scores fall under 580 and down to 500, a 10% down payment is required on FHA loans. The low down payment requirement makes it possible for renters with a small down payment to become homeowners.

HUD Mortgage Insurance Premium (MIP)

FHA loans require borrowers to pay an upfront mortgage insurance premium (UFMIP) at closing and an annual mortgage insurance premium (MIP) throughout the life of the loan. This is to protect the lender in case of default. FHA loan limits vary by county and are adjusted annually. There are limits on the maximum loan amount you can borrow based on the property’s location.

FHA 203(k) Rehabilitation Loans

HUD offers acquisition and renovation loans for one to four units of owner-occupant homers. HUD offers a 203(k) program that allows borrowers to finance a home’s purchase and rehabilitation costs in one loan. FHA loans do not have prepayment penalties, allowing borrowers to pay off the mortgage early without incurring additional fees.

We highly recommend you contact multiple lenders to compare their requirements and terms is recommended if you’re considering an FHA loan.

It’s crucial to note that individual lenders may have additional requirements or overlays beyond the basic HUD guidelines.  You should check the official HUD website or consult a mortgage professional familiar with FHA loan guidelines for the most current and accurate information. Remember that these guidelines may have been updated or changed without notice.

HUD Agency Guidelines on FHA Loans

Borrowers applying for an FHA loan will be assigned an FHA Case Number. Borrowers will need to meet the minimum agency mortgage guidelines on FHA loans. HUD allows homebuyers to purchase a home with a 3.5% down payment and a 580 credit score.

Borrowers with under 580 down to 500 credit scores can qualify for FHA loans. However, any borrower with under 580 credit scores will need a 10% versus 3.5% down payment.

Borrowers can qualify for an FHA loan with a prior bankruptcy or foreclosure if they meet the minimum waiting period requirements. Outstanding collections and charged-off accounts do not have to be paid to qualify for FHA loans. HUD’s role is to promote homeownership for homebuyers of all types. All FHA borrowers will need an FHA case number. You can only have one FHA case number.

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Qualifying For FHA Loans

FHA loans are the most popular loan program in the U.S.  FHA loans are popular with first-time home buyers, home buyers with outstanding collections and charge-offs, buyers with higher debt-to-income ratios, and homebuyers with little to no credit. Here are the basic HUD guidelines on FHA loans:

  • 580 FICO credit score
  • 3.5% down payment
  • 46.9% front end and 56.9% back end DTI
  • Non-Occupant Co-Borrowers allowed
  • 100% of the down payment can be gifted
  • No Closing Costs: Closing Costs can be covered with seller concessions or lender credit

HUD requires that the property meets HUD agency standards and will be habitable to be eligible for an FHA loan. The HUD appraiser will assess the property to ensure it meets HUD’s minimum property requirements. To qualify for an FHA loan, don’t hesitate to contact us at Gustan Cho Associates at 1-800-900-8569 or text us for a faster response. Or email us at [email protected] . The Gustan Cho Associates Mortgage Group team is available 7 days a week, evenings, weekends, and holidays.

FAQs: What is an FHA Case Number on FHA Home Loans

What is an FHA Case Number, and why is it important? An FHA Case Number is a unique identifier assigned to a specific FHA-insured mortgage loan. It is crucial for tracking and managing the loan throughout its life. The case number is used in various documents and systems related to FHA-insured loans, including endorsements, claims, and administrative processes.

How does the FHA Case Number process work? The borrower applies for an FHA-insured mortgage through a HUD-approved lender. The lender submits necessary information to the FHA for approval, and a unique case number is assigned upon approval. This number remains associated with the loan, helping parties easily identify and track the specific FHA-insured loan.

What are the benefits of FHA loans? FHA loans are advantageous for those with limited funds for a down payment, lower credit scores, and higher debt-to-income ratios. They offer a minimal 3.5% down payment requirement, lower credit score thresholds, and flexibility for borrowers with past financial challenges.

What are the down payment requirements for FHA loans? The down payment requirement on FHA loans varies based on credit score. A credit score of at least 580 requires a 3.5% down payment, while scores below 580 to 500 require a 10% down payment. The low down payment makes homeownership accessible for those with limited funds.

What is the HUD Mortgage Insurance Premium (MIP)? FHA loans require borrowers to pay an upfront mortgage insurance premium (UFMIP) at closing and an annual mortgage insurance premium (MIP) throughout the loan’s life. This insurance protects lenders in case of default.

How are FHA Case Numbers connected to property purchases? The assigned case number pertains to the property purchased using an FHA loan. While case numbers can be transferred from one borrower to another, they cannot be transferred from one property to another.

How long is an FHA Case Number valid? If an FHA loan with an assigned case number does not close within six months, the initial case number becomes void. Changes in FHA guidelines or programs after the case number assignment date will only apply to loans closing after six months.

What are the basic HUD guidelines for qualifying for FHA loans? Basic HUD guidelines for FHA loans include a minimum FICO credit score of 580, a 3.5% down payment, front-end DTI of 46.9%, back-end DTI of 56.9%, allowance for non-occupant co-borrowers, and the option for 100% gifted down payment.

Can FHA loans be used for property rehabilitation? Yes, FHA offers a 203(k) rehabilitation program that allows borrowers to finance a home’s purchase and renovation costs in one loan.

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This blog about What is an FHA Case Number on FHA Home Loans was updated on January 25th, 2024.

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Gustan Cho NMLS 873293 is the National Managing Director of NEXA Mortgage, LLC dba as Gustan Cho Associates NMLS 1657322. Gustan Cho and his team of loan officers are licensed in multiple states. Over 75% of the borrowers of Gustan Cho Associates (Gustan Cho Associates) are folks who could not qualify at other lenders due their lender overlays on government and conventional loans. Many mortgage borrowers and real estate professionals do not realize a mortgage company like Gustan Cho Associates exists. We have a national reputation of being a one-stop mortgage company due to not just being a mortgage company with no lender overlays but also offering dozens of non-QM and alternative financing loan programs. Any non-QM mortgage loan program available in the market will be offered by the team at Gustan Cho Associates. Our team of support and licensed personnel is available 7 days a week, evenings, weekends, and holidays.

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Case number 091 4211637 what the status my mom passed away 03 03 2021 i submit all information to novad 04 2020 i have heras from them. I m her son contact aulkien mcgriff

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My mother passed away in SEP 15-2021, my brother is the trustee to the trust of MARY L. GAY estate, he has kept me out of the loop such as reverse mortgage monthly statement. this is the case #044-4319571-952-34526, 37371807 second deed of trust. my Email is [email protected]

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What Is an FHA Appraisal?

The FHA appraisal determines a home's value and checks for safety issues.

Appraiser standing in front of home with tablet taking notes.

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Even if your having the house appraised, you should still get a home inspection for a full picture of the home's condition.

Key Takeaways

  • Before issuing an FHA loan, a lender orders an appraisal from a professional who's approved by the Federal Housing Administration.
  • The appraisal may flag risks to health or safety, or note problems with the home's functioning or durability.
  • If the appraisal shows that repairs are needed, these may be funded through an FHA 203(k) loan.

FHA loans offer flexibility to borrowers with low credit scores and limited funds for a home down payment. But there's one area where FHA lenders can't be flexible: the appraisal. Any property that's purchased with an FHA loan has to pass a detailed checklist and have its value assessed according to rules set by the Federal Housing Administration.

Why Do You Need an FHA Appraisal?

Before you sign on any type of mortgage, an appraisal is required. The appraisal gives the lender insight into the state of the home you're buying and helps confirm that the home has sufficient value to serve as collateral for your mortgage.

Because FHA loans are backed by the Federal Housing Administration, lenders have to follow certain rules for appraisals set by this agency. Lenders must use FHA-approved appraisers, and the appraisal must confirm that the home meets the FHA's minimum property requirements and determine its value and marketability. Many of the FHA's standards relate to the safety of the home and are designed to protect consumers.

While an FHA appraisal can identify a variety of issues, you should still get a home inspection for a complete picture of the home's condition. "Your home inspector is going to find a whole lot more things wrong with that house than the FHA appraiser will," says Kevin Watson, middle Tennessee regional manager at Churchill Mortgage.

What Does an FHA Appraiser Look For?

An FHA appraiser checks for deviations from the FHA's minimum property requirements, such as:

  • Zoning violations
  • Natural hazards
  • Broken appliances
  • Faulty plumbing, heating or electrical systems
  • A leaky roof, or a roof that's likely to wear out within two years
  • Problems with the home's foundation or structure
  • Peeling or lead paint
  • Inaccessible attics or crawl spaces

An FHA appraisal may identify structural defects, but more often it points out minor repairs that are needed. "It's good to know that, 'Oh well, we do need a safety rail here,' or, 'Oh well, we do need to have an updated wiring system in our home,'" Watson says. "It could be that expansive, or it could be as small as, 'We just need a new window.'"

An FHA appraisal also checks that the home's systems function as intended. "So an air conditioner is not required, but if an air conditioner is there, it needs to work," says Anna Smith, senior loan officer at Movement Mortgage.

And an FHA appraisal estimates what the home is worth on the open market. The appraiser is required to look at recent sales of similar properties nearby to arrive at a number. Thus, getting an appraisal done is more challenging for unique properties that don't have much in common with other homes in the area. "If you have a round, half-in-the-ground barn and you can't find a round, half-in-the-ground barn to compare it to, you're going to have a hard time with that kind of appraisal for FHA," Smith says.

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Erika Giovanetti May 22, 2024

Young Asian woman holding a pen and signing paperwork in the living room at home.

The FHA Appraisal Process

The lender orders the appraisal using a system that's set up to maintain the appraiser's independence. "The good news is, as a loan officer, we can't really have any influence on the appraised value, which is wonderful for you because you get a true value," says Watson.

The lender might work with a panel of several appraisers. With this approach, the lender sends the order to the panel, and one of the appraisers accepts it.

Larger lenders tend to work with an appraisal management company. This company allows a lender to approve appraisers, then gives each appraisal order to one of them at random. "So it's not an assignment by the bank. It's simply picking out of a lottery," Smith says.

The appraiser goes to the property, examines it and takes photos. They then complete their research and analysis over the next five to 10 business days, then send the report to the lender.

Once an appraisal is submitted to the lender, it typically goes through an underwriting process . It's reviewed by in-house appraisers to make sure it follows the FHA guidelines and meets the lender's standards. "If the appraiser does a really terrible job, the appraisal underwriter from the lending institution can actually just kick that appraisal out, refuse to accept it, and require another one or an update to be done," Smith says.

Depending on the lender, you might be charged for the appraisal immediately or at closing . Sometimes, lenders offer promotions and may give you a credit to cover the cost.

An appraisal for a single-family home can cost between $500 and $750, although appraisals for homes that are large, unique or in remote areas may cost more. And appraising a luxury property is usually more expensive.

Timing can also affect the cost. "Sometimes if a customer wants to close in two weeks, we can do that, but we're probably going to have to rush the appraisal, and that's going to cost a little extra money to do just because of the rush," Watson says.

An FHA appraisal is good for 180 days. If the appraisal expires, you can ask the appraiser to update it. The update is then valid for one year.

What Happens After an FHA Appraisal

In the best-case scenario, an FHA appraisal doesn't uncover any problems. That leaves you free to proceed with closing on the loan. But there are a few other possible outcomes of the appraisal.

Low Valuation

If the appraisal arrives at a value below the purchase price, the lender won't issue a loan to cover the full price of the home. In that case, you may need to renegotiate the purchase price or bring more money to closing to cover the difference.

Repairs Needed

The appraisal may present a list of repairs that must be completed before closing. Because the seller still owns the home, it's up to them to order the work, but the seller and buyer may negotiate who covers the cost. After the repairs are made, the appraiser has to reinspect the property, which typically entails a fee of $75 to $100.

Large-Scale Work Needed

If the appraisal finds serious flaws in the home's condition – like unsafe wiring or a septic system that needs to be replaced – the cost could amount to tens of thousands of dollars.

One option is to remedy the issues. But the buyer and seller might not have the money to make the needed repairs, or they might be unable to reach an agreement on who will pay for them. They may choose to call off the transaction, or the buyer might apply for a conventional loan instead.

Alternatively, the buyer could get an FHA 203(k) loan to cover the purchase plus the additional cost of rehabbing the home, as long as the total amount needed isn't above the loan limit for the location.

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COMMENTS

  1. PDF Case Number Assignment

    On the Case Number Assignment menu (Figure 1), click Update an Existing Case, and the Case Number Assignment - Update Existing Case page (Figure 8a) appears. Enter the case number assigned to the mortgage loan in the. Click to submit for processing. FHA Case Number field.

  2. PDF 4-2 Transfers of Case Numbers Between Lenders

    4-2 TRANSFERS OF CASE NUMBERS BETWEEN LENDERS. A. New Lender. Lenders are expected to cooperate in the transfer of case numbers. At the request of a borrower, the case number is to be assigned to the new lender using the Case Transfer function in FHA Connection. The transferring lender is not entitled to a fee for the transfer of a streamline ...

  3. FHA Connection Quick Start

    Allows a lender to determine the upfront and annual MIP for loans assigned an FHA case number on or after July 14, 2008 (see Mortgagee Letter 2008-22). The MIP Calculator is not used for HECM cases or cases under the following Sections of the National Housing Act: Section 223(e) - Declining Neighborhoods, Section 238(c) - Military Impact Areas ...

  4. Introduction to the FHA Connection

    The first step in establishing a new case using the FHA Connection is to click the Establish a New Case link on the Case Number Assignment menu. This takes you to the Validate Borrower/Address for Case Number Assignment page where you enter: property address, that is validated against the U.S. Postal Service database.

  5. PDF Quick FHA Case Number Assignments Reference Guide

    Loan Coordinator will follow the standard protocol for requesting a case number for a condominium loan and complete the following fields in the Case Number Assignment screen: A. Select the associated Condo ID, if one exists, in the 'PUD/Condo ID' field and B. Select 'Single-Unit Approval' from the drop-down menu within the 'Site Condo ...

  6. What is an FHA Case Number on FHA Home Loans

    An FHA case number is a unique identifier assigned to a specific FHA-insured mortgage loan. The Federal Housing Administration (FHA) uses case numbers to track and manage the various loans it insures. When a borrower applies for an FHA-insured home loan, the lender initiates the loan process by obtaining an FHA case number.

  7. FHA Case Processing

    The password format for the file should be FHA + the first five digits of the requestor lender ID (i.e., FHA12345). Encrypted documents that cannot be opened using the lender ID on file will be returned. If you have any questions regarding these procedures, email the FHA Resource Center at [email protected] or call 1-800-CALLFHA (225-5342).

  8. Gaps in Employment and Temporary Reductions of Income

    the Borrower has been employed in the current job for at least six months at the time of case number assignment; and; ... Frequent job changes also may not be a barrier to loan approval if FHA/HUD guidelines are met: "If the Borrower has changed jobs more than three times in the previous 12-month period, or has changed lines of work, the ...

  9. FHA: Case Number Basics

    The Housing Finance Agency (FHFA) increased the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac will acquire in 2024. In most of the United States, the 2024 CLL value for one-unit properties will be $766,550, an increase of $40,350 from 2023. Read More →. Nov 21, 2023.

  10. How Long Is an FHA Appraisal Good for / Valid?

    Here's the short answer: FHA appraisals typically remain valid for 120 days. But they can be extended in certain cases. If the initial home appraisal is updated, it could be valid for a total period of up to 240 days. Let's go to the official handbook and see what it says on this subject. The first mention of a 120-day rule occurs in Part ...

  11. FHA Loan Employment Guidelines

    FHA Loan Employment Guidelines. May 15, 2023. Are you worried about being denied an FHA loan because of a gap in employment? ... the Borrower has been employed in the current job for at least six months at the time of case number assignment; and…a two year work history prior to the absence from employment using standard or alternative ...

  12. PDF Date: July 12, 2022 To

    of this ML apply to case numbers assigned on or after June 1, 2022. For Servicing and Loss Mitigation policy, the provisions of this ML apply to appraisals with effective dates on or after July 12, 2022. All policy updates will be incorporated into a forthcoming update of the HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook

  13. USDA conversion to FHA : r/appraisal

    This was a change from about 2 years ago: "The effective date of the appraisal cannot be before the FHA case number assignment date unless the Mortgagee certifies, ... HUD guidelines state that you can have a HUD case file number post effective date of the appraisal. However, there were some caviats to that such as the appraisal has to meet HUD ...

  14. PDF FHA Issues Guidance for Obtaining Case Numbers for Condominium Single

    E-mail the FHA Resource Center at: [email protected]. Emails and phone messages will be responded to during normal hours of operation, 8:00 AM to 8:00 PM (Eastern), Monday through Friday on all non-Federal holidays. Call 1-800-CALLFHA (1-800-225-5342). Persons with hearing or speech impairments may reach this number by calling the Federal Relay ...

  15. Help

    Here is the basic procedure for requesting an FHA case number assignment: Enter the information required for the type of case. Submit for processing. Review results. After receiving an FHA case number, Borrower/Address Change on the Case Processing menu can be used to add or revise borrower information.

  16. What Is an FHA Appraisal?

    In the best-case scenario, an FHA appraisal doesn't uncover any problems. That leaves you free to proceed with closing on the loan. But there are a few other possible outcomes of the appraisal.

  17. PDF FHA Single Family Housing Claim Filing Technical Guide TABLE OF CONTENTS

    Enter the complete 10-digit FHA Mortgagee ID number of the holding Mortgagee for the case number. The current holding Mortgagee name can be verified by viewing the case in Lender Query by Case Number in FHAC. The full 10-digit ID can be determined using Lender Details in Neighborhood Watch. Enter the lender name (as found in Lender Query).

  18. PDF FHA INFO 2024

    FHA INFO 2024-29 May 16, 2024 FHA Updates its Unique Entity Identifier (UEI) Requirements ... impairments may reach this number by calling the Federal Relay Service at 1-800-877-8339. About FHA INFO FHA INFO is a publication of the Federal Housing Administration's (FHA), Office of Single ...