Home Equity
Conversion Mortgages
Mortgagee Letters

Information by State  Print version   HUD Resources Subscribe to the FHA Single Family Housing email listserv. You will get frequent updates to the HOC Reference Guide, training & event announcements, mortgagee letters, FHA Mortgage limits, & notices about your Single Family HECM business. Want More Information? The FHA Handbook for the HECM program is 4235.1 Contact FHA for assistance: Phone the Resource Ctr or email at: hud@custhelp.com or visit the FHA Resource Center to research your answers online.

The mortgagee letters listed on this page update the policies in HUD Handbook 4235.1. All Mortgagee Letters have been moved from HUDclips to our website.

• 2008-28 Prohibition on Mortgagee Funded Counseling
• 2008-24 Requirements on Mortgage Originators
• 2008-14 Non FHA-Approved Mortgage Brokers
• 2008-12 Counseling Fee
• 2008-08 Fixed Interest Rate
• 2007-08 Face-to-face Interviews
• 2007-06 Property Eligibility Requirements
• 2006-25 Counseling Requirements
• 2006-23 Elimination of Photo Identification Evidence
• 2006-22 Extension of Principal Limit Rate Lock
• 2006-20 Subordinate Liens & State & Local Court-Ordered Judgments & Judgment Liens
• 2006-07 Clarification of Mortgagee Letter 06-04 - Closing Costs
• 2006-06 Line of Credit Payment Option for Texas
• 2005-44 National HECM Counseling Network
• 2004-48 HECM Counseling Requirements Simplified
• 2004-39 Signature Reduction, Clarification of Required FHA Documents and Revised Instruction to "Residential Loan Application for Reverse Mortgages"
• 2004-27 Delayed Effective Date for Mortgagee Letter 2004-25 Instructions
• 2004-25 Clarification of counseling requirements
• 2004-22 Elimination of paper mortgage insurance certificates
• 2004-18 Refinancing Existing HECMs and Revision to the HECM Calculation Software
• 2003-22 Home Equity Conversion Mortgages (HECMs) -Procedural Guidance
• 2003-16 Home Equity Conversion Mortgage (HECM)-Interest Rate Lock-Ins
• 2002-12 Reinstatement of the Housing Counseling Notification Requirement
• 2001-18 CHUMS Programming Changes for HECM Processing
• 2001-16 Home Equity Conversion Mortgage Program (HECM) Servicing and Claim Issues
• 2000-34 Home Equity Conversion Mortgages (HECMs) in Texas (Supplement to Mortgagee Letter 00-09 dated March 8, 2000) and instructions on using HECM Mortgage Calculation Software (Supplement to Mortgagee Letter 99-36, dated December 10, 1999)
• 2000-10 Revisions to the Home Equity Conversion Mortgages (HECMs) Program
• 2000-09 Home Equity Conversion Mortgages(HECMs) in Texas
• 1999-36 Home Equity Conversion Mortgage Calculation Software
• 1999-02 Implementation of the Final Rule - HECM Consumer Protection Measures
• 1998-25 Home Equity Conversion Mortgage (HECM) Insurance Program - Optional New Loan Application Form
• 1998-03 Home Equity Conversion Mortgage (HECM) Insurance Program - Servicing Fee Cap Monthly Adjustable Loans
• 1997-38 Home Equity Conversion mortgage (HECM) case Processing: System Issues, Coming Enhancements, and Solving Roadblocks
• 1997-15 Home Equity Conversion Mortgage (HECM) Insurance Program - Implementation of Final Rule and Other Information
• 1996-15 Home Equity Conversion Mortgage (HECM) Insurance Program - Changes in Program Requirements
• 1995-54 Home Equity Conversion Mortgage (HECM) Insurance Program - Implementation of Direct Endorsement Program and New Disclosure Requirements on Reverse Mortgages to Consumers
• 1995-45 Home Equity Conversion Mortgage (HECM) Insurance Program - Lapse of Insuring Authority
• 1994-44 Claims Instructions for FHA-Insured Home Equity Conversion Mortgage
• 1993-22 Home Equity Conversion Mortgage (HECM) Insurance Program Changes and Clarifications to HUD Handbook 4235.1
• 1990-17 Home Equity Conversion Mortgage (HECM) Insurance Program Changes and Amendments to HUD Handbook 4235.1
• 1988-38 Home Equity Conversion Mortgage Insurance Demonstration- Procedures for Applying for Reservations of Insurance Authority