FHA Connection Integration

ReversePilot integrates with FHA Connection (FHAC) to interface with the Federal Housing Administration (FHA) for HECM (Home Equity Conversion Mortgage) loan processing.

Overview

The FHA Connection integration provides:

• Address validation for HECM properties
• Case number assignment for HECM loans
• Certificate search and retrieval
• Financial assessment submission
• Insurance application processing
• Case transfer and management
• Appraisal logging

Prerequisites

FHA Connection Credentials

Before using the FHA Connection integration, your company must have:

• FHA Connection Username: FHA Connection user account
• FHA Connection Password: FHA Connection password

These credentials are configured in Company Settings by the Company Administrator under FHA Connection credentials.

FHA Connection Features

Address Validation

Validates property addresses for HECM eligibility:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Validate Address"
4. System sends address to FHA Connection
5. Receives validation response
6. Updates property information

Endpoint: POST /fha-integration/address-validation/

Request:

{
  "loan": 123
}

Case Number Assignment

Assigns FHA case number to HECM loan:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Assign Case Number"
4. System sends case number request
5. Receives assigned case number
6. Stores case number in loan record

Endpoint: POST /fha-integration/case-number-assignment/

Request:

{
  "loan": 123
}

Certificate Search

Searches for HECM certificates:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Search Certificates"
4. Enter search criteria
5. System searches FHA Connection
6. Displays matching certificates

Endpoint: POST /fha-integration/certificate-search/

Request:

{
  "loan": 123,
  "search_criteria": {}
}

Financial Assessment Submission

Submits financial assessment data to FHA:

1. Complete financial assessment in loan application
2. Navigate to FHA Integration section
3. Click "Submit Financial Assessment"
4. System sends financial assessment data
5. Receives confirmation
6. Updates loan status

Endpoint: POST /fha-integration/hecm-financial-assessment/

Request:

{
  "loan": 123
}

Insurance Application

Submits HECM insurance application:

1. Complete loan application
2. Navigate to FHA Integration section
3. Click "Submit Insurance Application"
4. System sends insurance application
5. Receives application confirmation
6. Tracks application status

Endpoint: POST /fha-integration/hecm-insurance-application/

Request:

{
  "loan": 123
}

Case Transfer

Transfers HECM case to another lender:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Transfer Case"
4. Enter transfer information
5. System processes transfer
6. Updates case status

Endpoint: POST /fha-integration/case-transfer/

Request:

{
  "loan": 123,
  "transfer_data": {}
}

Case Restore

Restores a previously cancelled HECM case:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Restore Case"
4. System sends restore request
5. Receives restoration confirmation
6. Updates case status

Endpoint: POST /fha-integration/case-restore/

Request:

{
  "loan": 123
}

CAIRVS Authorization

Requests CAIRVS (Credit Alert Interactive Voice Response System) authorization:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Request CAIRVS Authorization"
4. System sends authorization request
5. Receives authorization
6. Stores authorization information

Endpoint: POST /fha-integration/cairvs-authorization/

Request:

{
  "loan": 123
}

Duplicate MIC Check

Checks for duplicate Mortgage Insurance Certificate (MIC):

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Check Duplicate MIC"
4. System checks for duplicates
5. Displays results
6. Updates loan if duplicate found

Endpoint: POST /fha-integration/duplicate-mic/

Request:

{
  "loan": 123
}

Escrow Closeout

Processes escrow closeout for HECM loan:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Process Escrow Closeout"
4. System sends closeout request
5. Receives closeout confirmation
6. Updates loan status

Endpoint: POST /fha-integration/escrow-closeout/

Request:

{
  "loan": 123
}

HECM Certificate

Retrieves HECM certificate information:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Get HECM Certificate"
4. System retrieves certificate
5. Displays certificate information
6. Stores certificate data

Endpoint: POST /fha-integration/hecm-certificate/

Request:

{
  "loan": 123
}

HECM Referral

Submits HECM referral information:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Submit HECM Referral"
4. System sends referral data
5. Receives confirmation
6. Updates referral status

Endpoint: POST /fha-integration/hecm-referral/

Request:

{
  "loan": 123
}

Address Change

Updates property address in FHA Connection:

1. Navigate to loan application
2. Go to FHA Integration section
3. Click "Update Address"
4. System sends address change
5. Receives confirmation
6. Updates property address

Endpoint: POST /fha-integration/address-change/

Request:

{
  "loan": 123
}

Appraisal Logging

Logs appraisal information with FHA:

1. Complete appraisal in loan application
2. Navigate to FHA Integration section
3. Click "Log Appraisal"
4. System sends appraisal data
5. Receives confirmation
6. Updates appraisal status

Endpoint: POST /fha-integration/appraisal-logging/

Request:

{
  "loan": 123
}

Integration Workflow

Typical HECM Workflow

1. Address Validation: Validate property address
2. Case Number Assignment: Assign FHA case number
3. Financial Assessment: Submit financial assessment
4. Appraisal Logging: Log appraisal information
5. Insurance Application: Submit insurance application
6. Certificate Retrieval: Retrieve HECM certificate

Troubleshooting

Credentials Not Found

Issue: FHA Connection credentials not configured

Solution: 1. Verify credentials in Company Settings 2. Ensure username and password are correct 3. Contact administrator to configure credentials

Connection Errors

Issue: Unable to connect to FHA Connection

Solution: 1. Check network connectivity 2. Verify FHA Connection service status 3. Retry the request 4. Contact FHA Connection support if issues persist

Invalid Responses

Issue: Unexpected responses from FHA Connection

Solution: 1. Review loan data for completeness 2. Verify all required fields are entered 3. Check FHA Connection requirements 4. Contact support if issues persist

Best Practices

1. Validate Early: Validate address early in the process
2. Assign Case Number: Assign case number promptly
3. Complete Data: Ensure all required data is complete before submitting
4. Monitor Status: Track FHA Connection responses
5. Document Issues: Document any integration issues

Security

Credential Management

• Credentials stored securely
• Encrypted in database
• Access restricted to administrators
• Regular credential updates recommended

Data Transmission

• Secure communication with FHA Connection
• Encrypted data transmission
• Compliant with FHA security requirements

Next Steps

• HECM Processing - HECM loan processing
• System Overview - System documentation
• Support - Integration troubleshooting

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For questions about FHA Connection integration, contact your administrator or FHA Connection support.