A lender that has the approval from FHA to approve without requesting first is called?

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Direct Endorsement authority lets an FHA-approved lender underwrite and endorse mortgage loans for FHA mortgage insurance without needing prior FHA approval on each loan. This enables the lender to approve and fund loans that meet FHA guidelines, speeding the process. After endorsement by the lender, the loan is insured by FHA, with post-endorsement review as needed. The other terms don’t fit: a moratorium is just a pause, a Streamline Refinance is a specific FHA refinancing product, and an underwriter is the individual evaluating risk, not the authority that allows approval without prior FHA input.