Final Annual Cert

CONSOLIDATED FHA SINGLE FAMILY PRA COMMENTS—
ANNUAL LENDER CERTIFICATIONS
No.
1

Organization
MBA/HPC/ABA/BPI
DHI Mortgage

2

MBA/HPC/ABA/BPI
DHI Mortgage

Comments

Lender Activities Comments

Final Single Family Comments

Capitalize “sanctioned” and “Sanctions” to
ensure alignment with the definition in the
Glossary to HUD Handbook 4000.1.

Agree.

None.

Clarify reporting guidance in HUD
Handbook 4000.1 and/or Lender Electronic
Assessment Portal (LEAP) User Manual,
regarding the re-disclosure of events and/or
activities reported to HUD during the
Certification Period—for which the
Mortgagee received clearance from HUD
to continue the certification process.

FHA’s eligibility and reporting
requirements regarding the activities to
be reported during the Certification
Period are clearly defined in the HUD
Handbook 4000.1. However, as a part of
HUD’s ongoing IT initiatives—future
enhancements made to LEAP will better
operationalize the outcome of Mortgagee
disclosures.

None.

September 23, 2019 Page 1

CONSOLIDATED FHA SINGLE FAMILY PRA COMMENTS—
ANNUAL LENDER CERTIFICATIONS
No.
3

Organization
MBA/HPC/ABA/BPI

Comments

Lender Activities Comments

Revise the Annual Certification statements
2 and 3.

No objection.

DHI Mortgage
Revision to statement 2:
I certify that, during the Certification
Period, the Mortgagee, or any Corporate
Officer as defined at HUD Handbook
4000.1 I.A.3.c.iv.(B) was not: (a) Subject
to a suspension, debarment, or under a
Limited Denial of Participation (LDP); or
(b) Refused or had revoked, any license
necessary to conduct normal operations in
the mortgage loan industry by any State(s)
as defined at 12 U.S.C. 1707(d) in which
the Mortgagee will originate insured
mortgages or Title I loans; except for
those occurrences, if any, that the
Mortgagee reported to HUD and for
which the Mortgagee received
explicit clearance from HUD to continue
with the certification process.
Revision to statement 3: I certify that
during the Certification Period the
Mortgagee was not Sanctioned by any
State(s) as defined at 12 U.S.C. 1707(d) in
which the Mortgagee will originate insured
mortgages or Title I loans, except for
those Sanctions, if any, that the
Mortgagee reported to HUD and for
which the Mortgagee received explicit
clearance from HUD to continue with
the certification process.

September 23, 2019 Page 2

Final Single Family Comments
Implement in final.