19.4.2.2 Permitted Modifications for State Requirements and Practices

HUD Multifamily Accelerated Processing (MAP) Guide, HUD Handbook 4430.G (2020 ed., rev. Mar. 19, 2021) · 2026 edition · updated 2026-10-05 · United States

A. Lender’s Counsel must modify the Security Instrument to comply with local requirements relating to recording practices and enforceability. Preparers should attach a HUD-approved state addendum or rider, if applicable, and a recording cover sheet, if necessary. State-specific riders and modifications can be found on HUDClips at:

http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/forms/hud9/rid ers-addendums

B. In certain jurisdictions (e.g., Florida and New York), Borrowers refinancing under Sections 223(a)(7) and 223(f) frequently request to modify the Security Instrument and Note to facilitate a reduction in mortgage recording taxes. The HUD Closing Attorney may accept this modification without HQ OGC review when the practice is permitted under applicable state law, and the RC Director determines that the change is consistent with HUD Program Obligations.

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▸Contents — HUD Multifamily Accelerated Processing (MAP) Guide, HUD Handbook 4430.G (2020 ed., rev. Mar. 19, 2021)

HUD Multifamily Accelerated Processing (MAP) Guide, HUD Handbook 4430.G (2020 ed., rev. Mar. 19, 2021)

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