HUD Handbook 4000.1 II.B.1: Origination/Counseling Requirements

Document: HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook
Version in Zeitro Strata: August 12, 2026
Where: page 558 of 1872
Official text: HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook on the FHA website

Ask Zeitro Strata about this section Create a free Zeitro account

Page 558

1. Origination/Counseling Requirements

A HECM refers to a non-recourse, reverse mortgage that allows a HECM Borrower (Borrower) access to equity secured by the Principal Residence with no corresponding monthly mortgage payment.

Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.