# late request for ENDORSEMENT {#late-request-for-endorsement .Style-Heading-1-+-12-pt}

## Late Endorsement {#late-endorsement .Style-Heading-2-+-Underline}

A request for insurance endorsement is considered "late" and triggers
additional documentation whenever the binder is received by the HOC more
than 60 days after loan settlement or funds disbursement, whichever is
later. The FHA believes that this is sufficient time for the lender to
assemble the binder, obtain any final documents or signatures, and ship
the binder to the appropriate HOC for endorsement processing.

FHA determines whether a mortgage is received late based on upon the
date the HOC actually *receives* the case binder. Mortgagees must
consider mailing and processing times when submitting case binders to
the HOC. Mortgagees may determine the date the case binder was received
and logged in by the HOC by reviewing the case status screen using the
FHA Connection.

Upon receipt of a case involving a late request for endorsement, the FHA
will review the lender's certification and make a determination to
accept or reject the request. If the FHA's review indicates that the
degree of risk to the Department is not greater than existed at the time
of closing, the mortgage may be endorsed. A mortgage that is in default
when submitted for endorsement will not be insured, except in those
instances where the FHA was demonstrably responsible for a delayed
request for endorsement. If, in the appropriate HOC's judgment, the
delay in submission was entirely the FHA's fault, the lender is not
required to submit the item identified in Paragraph 3-3.

## Cases Submitted for Reconsideration after NOR {#cases-submitted-for-reconsideration-after-nor .Style-Heading-2-+-Underline}

If the HOC returns a case binder to the lender by issuing a NOR (or
subsequent NOR), the HOC must receive the reconsideration request for
insurance endorsement within the original 60-day window, or 30 days from
the date of issuance of the original NOR, whichever is greater. Cases
resubmitted after the expiration of the applicable date must follow the
late request instructions in paragraph 3-3. Also, should the issuance of
a subsequent NOR result in the mortgage lender's resubmission being
received after the original 60 day period or the 30 day period set forth
for the original NOR, whichever is later, the late endorsement
instructions set forth in paragraph 3-3 must be complied with.

## LATE REQUEST FOR ENDORSEMENT CERTIFICATIONS BY THE LENDER

When submitting a late request for endorsement, under the circumstances
described below, the mortgagee is required to include a dated
certification, signed by a representative of that mortgagee on company
letterhead, which includes the mortgagee's complete address and
telephone number. This certification must be specific to the case being
submitted, i.e., identify the FHA case number and the name(s) of the
borrower(s) and state that:

1.  At the time of this certification, no mortgage payment is currently
    unpaid more than 30 days and;

2.  All escrow accounts for taxes, hazard insurance and mortgage
    insurance premiums are current and intact, except for disbursements
    that may have been made to cover payments for which the accounts
    were specifically established, and;

3.  The mortgagee or its agents did not provide the funds to bring
    and/or keep the loan current or to bring about the appearance of an
    acceptable payment history.

If the payment due for the month *before* the mortgagee submitted the
loan for endorsement has yet to have been received, that mortgage is not
eligible for endorsement. Individuals found making false certifications
may have administrative sanctions taken against them including, but not
limited to, debarment from participation in HUD's and other Federal
agency programs, civil money penalties and Program Fraud Civil Remedies
Act sanctions.

**Examples of Late Endorsement Processing and Requirements**

The following examples illustrate the procedures for late request for
mortgage insurance endorsement:

1.  Mortgage closed June 4^th^ with first payment due August 1^st^.

    a.  No certification is required if the mortgage insurance
        application is received for endorsement on or before August
        31^st^. Please note, however, if the mortgage case binder is
        sent back to the mortgagee due to a Notice of Return (NOR) and
        the mortgagee is not able to respond correctly before the later
        of 30 days or when the certification period begins (September
        1^st^ in this example), the certification will be required.

If the mortgage is received for endorsement in the HOC on or after
September 1^st^(or first business day after that date), then the
mortgagee must provide the endorsement certification.