The FHA Single Family Mortgage Insurance Program is listed in the certification rule as a “HUD Program where Housing Counseling is required by statute, regulation, Notice of Funding Availability, or otherwise required by HUD.” Must all housing counseling provided in connection with an FHA-insured loan be provided by a HUD certified housing counselor?
Date Published: December 2016
No. The inclusion of the FHA Single Family Mortgage Insurance Program on the list is intended to apply to situations where housing counseling is required in connection with a specific FHA product, such as the Back to Work Extenuating Circumstances Initiative or HECM (Note: The Back to Work Extenuating Circumstances Initiative expired on September 30, 2016). In the future there may be other FHA products that require housing counseling, and if so, they would be included on the HUD’s resource, Other HUD Programs Covered Under HUD's Final Rule for Housing Counseling Certification.