Lenders are responsible for screening all borrowers using HUD's Credit Alert Interactive Voice Response System (CAIVRS). A borrower is not eligible for an FHA-insured mortgage if CAIVRS indicates that the borrower

• is presently delinquent, or
• has had a claim paid within the previous three years on a loan made or insured by FHA.

Reference: For additional information on lender responsibility for using CAIVRS to screen borrowers, see HUD 4155.1 4.A.8.