The FHA mortgage lenders must:
• Validate and document an SSN for each FHA mortgage applicant, co-FHA mortgage applicant, or cosigner on the FHA mortgage by:
– examining the FHA mortgage applicant’s original pay stubs, W-2 forms, valid tax returns obtained directly from the IRS, or other document relied upon to underwrite the mortgage; and
• Resolve any inconsistencies or multiple SSNs for individual FHA mortgage applicants that are revealed during mortgage processing and underwriting using a service provider to verify the SSN with the Social Security Administration (SSA).
Only State and local government agencies, instrumentalities of government and HUD-approved Nonprofit organizations are not required to provide an SSN.