Annual Recertification

In order to maintain FHA approval, each lender must complete an annual recertification package within 90 days of its fiscal year end. The LEAP User Manual is available for  step-by-step instructions on how to submit the recertification package and other lender functions.  For additional information on LEAP, please visit out LEAP Information web page.

The following items must be submitted as part of the lender's recertification package:

  • Annual Certification (Government lenders are only required to submit the annual certification)
  • Recertification fee
  • Financial data
Steps to Recertify:
  1. Complete the lender data verification;
  2. Complete the annual certification;
  3. Remit the annual recertification fee in LEAP;
  4. Submit financial statements in LEAP, along with the Audit Related Questions if applicable, and
  5. Return to LEAP on subsequent days to confirm the fee has been settled and the financial statements have been accepted.

On August 1, 2016, FHA implemented revised certification statements.  The following documents provide a comparison of the previous versions to the current versions by mortgagee type.

A lender that does not wish to maintain its FHA approval must submit a request for voluntary withdrawal of FHA approval via LEAP, including a written request with the effective date of the withdrawal and FHA ID number.

Note:  Voluntary Withdrawal requests will not be honored while there are any unpaid mortgage insurance premiums, a pending administrative action, or a Mortgagee Review Board (MRB) action against the lender.  The MRB may not honor a voluntary withdrawal request once a Notice of Violation has been issued.  Failure to comply with annual recertification requirements does not constitute a voluntary withdrawal.

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