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HUD No. 23-115
HUD Public Affairs
(202) 708-0685
[NHM 2023]
June 13, 2023

Federal Housing Administration Launches New Resources to Remove Language Barriers for Borrowers

Multi-language translations of single family mortgage documents offer new resources for lenders and servicers when working with borrowers with limited English proficiency.

WASHINGTON - Today, the Federal Housing Administration (FHA) is making available in Chinese, Korean, Spanish, Tagalog, and Vietnamese more than 30 single family mortgage documents and related resources used in the origination of FHA-insured mortgages. The educational resources are accessible from FHA’s new language access web page and are intended to assist lenders, servicers, housing counselors, and other FHA program participants in explaining information related to FHA-insured mortgages to those with limited English proficiency prior to borrowers executing legal documents in English, as required by law. This first set of translations is part of ongoing efforts by FHA to remove language access barriers for consumers whose preferred language may not be English, and a part of HUD Secretary Marcia L. Fudge’s commitment to making equity a leading compass within the Biden-Harris Administration.

“Understanding the products, processes, and documents associated with a mortgage transaction is vital to a borrower’s ability to become a successful homeowner,” said Assistant Secretary for Housing and Federal Housing Commissioner Julia Gordon. “These new resources will help prospective homebuyers better understand their transaction and make more informed decisions before they are at the closing table.”

The translated documents include the HUD Addendum to the Uniform Residential Loan Application (HUD 92900-A) required for all FHA-insured single family mortgages; model documents, including mortgage notes and riders used in FHA forward and Home Equity Conversion Mortgage (HECM) transactions; and required borrower disclosures. In addition, FHA now has newly translated versions of some of its most widely used single family homebuyer education materials and information resources, including its Save Your Home, Tips to Avoid Foreclosure brochure, its disaster relief and recovery options information card, and FHA “myth busters” question and answer cards.

FHA intends to make additional resources available in the future.

Newly Available Translated Mortgage Documents and Education Resources

The mortgage documents and information resources listed below are now available in Chinese, Korean, Spanish, Tagalog, and Vietnamese from FHA’s new language access web page.


Forms and Model Documents
Document Name Type Form Number
Mortgage Application
HUD Addendum to Uniform Residential Loan Application Form HUD-92900-A
Borrower Acknowledgements, Notices, and Disclosures
Important Notice to Homebuyers Form HUD-92900-B
Informed Consumer Choice Disclosure Model Document N/A
Servicemembers Civil Relief Act Notice Disclosure Form HUD-92070
Borrower’s Contract with Respect to Hotel and Transient Use of Property Form HUD-92561
Borrower’s Certification of Water Purification System Model Document N/A
Home Equity Conversion Mortgage (HECM) Anti-Churning Disclosure Form HUD-92901-HECM
Mortgage-Related Documents and Riders
Mortgage Forward Model Document N/A
Note Forward Model Document N/A
ARM Note Model Document N/A
Condominium Rider Model Document N/A
Construction Rider Model Document N/A
Rehabilitation Loan Agreement Model Document N/A
Water Purification Equipment Rider Model Document N/A
Amendatory Clause Model Document N/A
Builder’s Certification of Plans, Specifications, and Site Form HUD-92541
Warranty of Completion of Construction Form HUD-92544
Loss Mitigation Documents
Request for Occupied Conveyance Form HUD-9539
Approval to Participate Property Sales Information Property Occupancy & Maintenance Pre-foreclosure Sale Procedure Form HUD-90045


Homebuyer Education and Informational Resources
Document Name Type Form Number
FHA Homebuying Information Resources
Dispelling Homebuying Myths- Single Family Homes Educational Materials N/A
Dispelling Homebuying Myths - Stellar Credit Educational Materials N/A
Dispelling Homebuying Myths - 20% Down Payment Educational Materials N/A
Dispelling Homebuying Myths - Gift Funds Educational Materials N/A
Dispelling Homebuying Myths - Income Limits Educational Materials N/A
Dispelling Homebuying Myths - Changed Jobs Educational Materials N/A
Dispelling Homebuying Myths - Side Hustle Educational Materials N/A
Dispelling Homebuying Myths - Student Loan Debt Educational Materials N/A
Dispelling Homebuying Myths - 203(k) Program Educational Materials N/A
203(k) Consumer Fact Sheet Educational Materials 105
Disaster Relief Card Educational Materials N/A
Foreclosure Avoidance
Save Your Home, Tips to Avoid Foreclosure Brochure Educational Materials FHA-2008-5


FHA Program Participants
203(k) Consultant, Role of, Fact Sheet Educational Materials 103
203(k) Consultant, How to Become, Fact Sheet Educational Materials 104
Application for Fee or Roster Designation Form HUD-92563-A


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