Global Mappings and Document Updates: Section 184/184A

The Section 184 Indian Housing Loan Guarantee Program and Section 184A Native Hawaiian Housing Loan Guarantee Program documents are available through ConformX. An FHA loan program should be used for Section 184/184A loans to ensure the proper documents print, including a 4% late charge. Several changes have been made in ConformX to streamline use of these programs.

New Global Mappings for “Is Section 184” (FI 32411)

A new global standard value field mapping has been added to set field 32411 Is Section 184 to “Yes” if FHA Section of The Act Under Which the Loan is Covered (FI 746) includes the text “184”.

A new global standard value field mapping has been added to set Is Section 184 to “No” if Is Section 184 is not already set, and FHA Section of The Act Under Which the Loan is Covered does not include the text “184”.

These mappings will allow clients to keep to using other logic to set the Is Section 184 field, while ensuring regular FHA documents continue to print for loans that are not Section 184.

New Global Mappings for “State Guaranteed Program Text” (FI 91789)

“Other. For federally-insured or guaranteed loans other than those described in paragraphs (a)(11)(ii) and (iii) of this section, and for loans insured or guaranteed by a State agency, the creditor shall disclose the loan type as “Other,” and provide a brief description of the loan type.” [12 CFR § 1026.37(a)(11)(iv)]

A new global standard value field mapping has been added to set State Guaranteed Program Text to “HUD Section 184” if State Guaranteed Program Text is not already set, Is Section 184 is “Yes”, and the property state is not Hawaii.

A new global standard value field mapping has been added to set State Guaranteed Program Text to “HUD Section 184A” if State Guaranteed Program Text is not already set, Is Section 184 is “Yes”, and the property state is Hawaii.

Setting the State Guaranteed Program Text for Section 184/184A loans means that the text “HUD Section 184” or “HUD Section 184A” will print instead of checking the “FHA” box for:

• Loan Type on the Loan Estimate (Cx18565 and Spanish Translation Aid Cx18990) and the Closing Disclosure (Cx18566 and Spanish Translation Aid Cx18991); and
• Mortgage Type on the 1003 Uniform Residential Loan Application (Cx20667 and Spanish Translation Aid Cx20668).

Removed Several FHA documents for Section 184 Loans

Section 184 loans require some HUD forms, but several FHA forms are not needed. Field 32411 Is Section 184 must now be set to “No” for the following documents to print:

• Cx24442 HUD Addendum to Uniform Residential Loan Application
• Cx13513 FHA Loan Underwriting and Transmittal Summary
• Cx15849 FHA Loan Underwriting and Transmittal Summary (popular client form)
• Cx19872 FHA Non-Purchasing Spouse (NPE) Authorization
• Cx2283 For Your Protection Get a Home Inspection
• Cx4566 Conditional Commitment Direct Endorsement – Lender’s Copy
• Cx4733 Conditional Commitment Direct Endorsement – Case Binder’s Copy
• Cx4734 Conditional Commitment Direct Endorsement – Homebuyer’s Copy
• Cx41 Informed Consumer Choice Disclosure Notice
• Cx1566 Notice to Homeowner – Assumption of FHA Mortgages
• Cx19830 FHA Construction-to-Permanent Disclosure
• Cx38 FHA Amendatory Clause/Real Estate Certification
• Cx19817 FHA Lock-In Agreement
• Cx24408 FHA Airport Runway Clear Zone Notice
• Cx19494 FHA Settlement Certification
• Cx19369 FHA HI Mortgage
• Cx26127 FHA HI Mortgage 2021
• Cx18488 Leasehold Rider – Cross Default Provision
• Cx3261 HUD Appraised Value Disclosure (assigned to clients upon request for FHA loans)
• Cx14285 FHA Identity of Interest Certification (assigned to clients upon request for FHA loans)
• Cx17678 FHA Lender Certification for Individual Unit Financing (assigned to clients upon request for FHA condos)
• Cx19587 FHA Lender Certification to Condominium Requirements (assigned to clients upon request for FHA condos)
• Cx14701 Approval of Purchaser and Release of Seller (assigned to clients upon request for FHA custom assumption)
• Cx14702 Credit Approval of Substitute Mortgagor (assigned to clients upon request for FHA custom assumption)
• Cx17677 Property Disposition Program – Individual Owner-Occupant Certification (not in use by any clients)

Replaced Certain FHA Documents with FNMA/FHLMC Uniform Instruments for Hawaii Section 184A

For most states the FHA note, security instrument, and PUD/Condo riders are utilized for Section 184 loans in ConformX, but for Hawaii Section 184A loans the FNMA/FHLMC versions of these documents are used instead, per the HUD Honolulu Field Office.

Field 32411 Is Section 184 must now be set to “No” for the following FHA documents to print for Hawaii. These documents will continue to print for Section 184 loans for states other than Hawaii:

• Cx36 FHA Note Fixed
• Cx26171 FHA Fixed Rate Note 2021
• Cx49 FHA Rider Condo
• Cx50 FHA Rider PUD
• Cx14312 FHA Rider PUD – Additional (popular client form)
• Cx14314 FHA Rider Condo – Additional (popular client form)

The following FNMA/FHLMC forms will now also print for Hawaii Section 184A. A set of print conditions has been added with Is Section 184 set to “Yes” for Hawaii:

• Cx25454 3200 Fixed Rate Note 2021
• Cx25290 3012 HI Mortgage 2021
• Cx25434 3140 Condo Rider 2021
• Cx25435 3140 Additional Condo Rider 2021
• Cx25439 3150 PUD Rider 2021
• Cx25440 3150 Additional PUD Rider 2021
• Cx26779 3200 Fixed Rate Note 2021 – Spanish Translation Aid (subscription required to add)
• Cx26705 3012 HI Mortgage 2021 – Spanish Translation Aid (subscription required to add)
• Cx26821 3140 Condo Rider 2021 – Spanish Translation Aid (subscription required to add)
• Cx26822 3150 PUD Rider 2021 – Spanish Translation Aid (subscription required to add)

Section 184/184A Riders and Addendum to URLA

The four most popular Section 184/184A documents will now print for all clients by default, and will no longer need to be assigned to clients upon request. The following documents will now print by default when Is Section 184 is set to “Yes”:

• Cx7924 Section 184 – Individual Allotted Trust Land Rider (No Lease) (HUD-50120, not applicable for Hawaii Section 184A)
  • Cx7924 prints when Land Trust Sec 184 (FI 32415) is set to “Individual AllottedTrust Land”.
• Cx7921 Section 184 – Fee Simple Land Rider (HUD-50121, not applicable for Hawaii Section 184A)
  • Cx7921 prints when Land Trust Sec 184 (FI 32415) is set to “Fee Simple Land”.
• Cx7923 Section 184 – Leasehold Rider (HUD-50149/HUD-50149-A)
  • Cx7923 prints for all states when Land Trust Sec 184 (FI 32415) is set to “Tribal Trust Land”.
• Cx18403 Section 184 – Addendum to URLA (HUD-50111/HUD-50111-A)
  • Cx18403 will now print by default when Is Section 184 is “Yes” for all states when the Document Package Type is set to Initial Disclosure, Processing, Underwriting, or Closing.
  • Cx18403 is now set to the Document Type “HUD/VA Addendum to URLA”.

Additional Section 184/184A Documents Assigned to Clients Upon Request

These Section 184/Section 184A documents will continue to be available upon request:

• Cx7910 Section 184 – Request For Case Number (HUD-50131/HUD-50131-A)
• Cx7916 Section 184 – Firm Commitment Checklist (HUD-50127/HUD-50127-A)
  • Cx7916 will now print by default only when the Loan Purpose is set to Purchase, Construction Only, or Construction to Permanent.
• Cx7931 Section 184 – Underwriting Submission Checklist – Refinance (HUD-50128/HUD-50128-A)
  • Cx7931 will now print by default when the Document Package Type is set to Closing. The Initial Disclosure package type has been removed.
• Cx7927 Section 184 – Post Endorsement Submission Checklist (HUD-50119/HUD-50119-A)
• Cx7926 Section 184 – Endorsement Submission Checklist (HUD-50123, not applicable for Hawaii Section 184A)
• Cx7908 Section 184 – Land Status and Jurisdiction Form (HUD-50114, not applicable for Hawaii Section 184A)
• Cx7922 Section 184 – Environmental Assessment (HUD-4128, not applicable for Hawaii Section 184A)

No change to Cx40 Important Notice to Homebuyers

Important Notice to Homebuyers (HUD 92900-B) will continue to print in Cx40 when Is Section 184 is not set to “Yes”.

Section 184 Homebuyer Notice Form (HUD-50124) will continue to print in Cx40 when Is Section 184 is set to “Yes” and the property state is not Hawaii.

Section 184A Homebuyer Notice Form (HUD-50124-A) will continue to print in Cx40 when Is Section 184 is set to “Yes” and the property state is Hawaii.

Effective Date

These changes are available for testing on Stage & Stage 2 servers and will take effect on November 28, 2024. If you have any questions or concerns, please contact Client Support at 1.800.497.3584.

LEG-2382
COM-5237
DR-157986
DR-164698
T3S-18756

The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third-party should consult with an attorney prior to embarking upon any specific course of action.