The mortgagee letters listed on this page update the policies in HUD Handbook 4235.1. All Mortgagee Letters are available online
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2017-12 Home Equity Conversion Mortgage Program: Mortgage Insurance Premium Rate and Principal Limit Factors |
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2017-11 Implementation of HUD’s January 2017 Home Equity Conversion Mortgage Final Rule |
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2016-16 Home Equity Conversion Mortgage Program: Source for 10-Year LIBOR Swap Rate |
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2016-10 Home Equity Conversion Mortgage (HECM) Program - Servicing Fee Set-Aside Growth Rate, Third Party Property Tax Verification Fees, and Financial Assessment and Property Charge Requirements |
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2016-07 Expanded Permissive Loss Mitigation for Home Equity Conversion Mortgages (HECMs) and Mortgagee’s Optional Extension to Submitting a Due and Payable Request |
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2016-05 Additional Guidance related to Mortgagee Letter 2015-15, Mortgagee Optional Election (MOE) Assignment for Home Equity Conversion Mortgages (HECMs) with an FHA Case Number assigned prior to August 4, 2014 |
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2016-03 Single Family Foreclosure Policy and Procedural Changes for HUD Title II Forward Mortgages and Reverse Mortgages |
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2016-02 Update of Preservation and Protection (P&P) Requirements and Cost Reimbursement Procedures for Title II Forward Mortgages and Home Equity Conversion Mortgages (HECMs) |
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2016-01 Additional Extension of Certain Timeframes in connection with Mortgagee Letter 2015-11 (Loss Mitigation Guidance for Home Equity Conversion Mortgages in Default due to Unpaid Property Charges) and Mortgagee Letter 2015-26 |
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2015-29 2016 Nationwide Home Equity Conversion Mortgage (HECM) Limits |
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2015-26 Extension of Certain Timeframes in connection with Mortgagee Letter 2015-11, Loss Mitigation Guidance for Home Equity Conversion Mortgages (HECMs) in Default due to Unpaid Property Charges. |
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2015-24 Single Family Foreclosure Policy and Procedural Changes for HUD Title II Forward Mortgages and Reverse Mortgages |
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2015-15 Mortgagee Optional Election Assignment for Home Equity Conversion Mortgages (HECMs) with an FHA Case Number assigned prior to August 4, 2014 |
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2015-12 Mortgagee Optional Election Assignment for Home Equity Conversion Mortgages (HECMs) with FHA Case Numbers assigned prior to August 4, 2014 |
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2015-11 Loss Mitigation Guidance for Home Equity Conversion Mortgages (HECMs) in Default due to Unpaid Property Charges |
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2015-10 Home Equity Conversion Mortgage (HECM) Due and Payable Policies |
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2015-09 Home Equity Conversion Mortgage (HECM) Program - Life Expectancy Set-Aside Growth Rate and Clarification to Section 3.98 of the HECM Financial Assessment and Property Charge Guide |
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2015-06 Home Equity Conversion Mortgage (HECM) - Delay in Effective Date for Financial Assessment and Property Charge Funding Requirements for the Payment of Certain Property Charges |
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2015-02 Home Equity Conversion Mortgage (HECM) Program: Policy Guidance and Certifications for Eligible and Ineligible Non-Borrowing HECM Spouses and Seasoning Requirements Guidance |
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2014-22 HECM Financial Assessment and Property Charge Requirements |
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2014-21 Revised Changes to the HECM Program Requirements |
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2014-12 New HECM Principal Limit Factors |
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2014-11 HECM Limit on Insurability of Fixed Interest Rate Products |
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2014-10 HECM Prohibits Misleading or Deceptive Program Descriptions or Advertising and Prohibits Restriction of Mortgagor Freedom of Choice |
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2014-07 HECM Non-Borrowing Spouse |
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2013-45 Delay HECMS Eff Date for Financial Assessment / Funding Reqmts |
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2013-33 HECM Mand Oblig; Life Expect Set-Asides; Purch Trans; |
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2013-28 Financial Assessment and Property Charge Guide |
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2013-28 Attachment: Property Charge Guide |
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2013-27 Changes to the HECM Program Requirements |
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2013-02 Amended Late Request for Endorsement Procedures |
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2013-01 Consolidation of Pricing Options and PLFs for Fixed Interest Rates |
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2012-17 HERMIT System for HECM Loans |
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2011-39 Maximum Mortgage Limits |
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2011-31 Rev HUD 92902, Cert of HECM Counseling/Clarification of Guidance |
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2011-29 New Maximum Mortgage Limits: Effective October 1, 2011 |
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2011-26 Intermediaries Included on the HECM Counselor List |
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2011-16 Recission of Borrower's Recourse |
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2011-09 Waiver of fees/activites on Certificate |
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2011-01 HECM Property Charge Loss Mitigation |
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2010-39 HUD-1 Settlement Stmt Closing Certification |
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2010-39 Attachment |
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2010-37 Provide a List of Counseling Agencies |
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2010-34 HECM Saver; MIP and PLFs |
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2010-22 Submission of Case Binder Documents |
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2010-22 Attachment |
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2010-07 HECM Loan Forms & Guidance |
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2010-07 Attachments: (Below)
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2009-49 Subordinate Liens |
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2009-47 Counseling Standardization & Roster |
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2009-44 Debenture Interest and Claim Filing Instructions |
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2009-34 Principal Limit Factors |
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2009-21 HECM Refinances |
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2009-11 HECM for Purchase Prog |
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2009-11 Attachment 1 Investment Examples |
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2009-10 Counseling Requirement |
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2009-07 Loan Limit Increases for FHA |
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2009-07 Attachment 1 Counties at the Ceiling |
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2009-07 Attachment 2 Counties between the Floor and Ceiling |
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2008-38 Clarifies Repayment & Terminations |
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2008-36 2009 Maximum Mortgage Limits |
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2008-35 HECM Mortgage Limits Effective Immed |
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2008-34 HECM Origination Fee - New Limits |
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2008-33 HECM for Purchase Program |
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2008-28 Prohibits Mortgagee Funded Counseling |
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2008-24 Requirements on Mortgage Originators |
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2008-14 Non FHA-Approved Mortgage Brokers |
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2008-12 Counseling Fee |
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2008-08 Fixed Interest Rate |
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2007-13 ARMs Addition of LIBOR Index |
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2007-08 Face-to-face Interviews |
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2007-06 Property Eligibility Requirements |
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2006-30 Mortgagee Approval Guidance on 4060.2 r2 |
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2006-25 Counseling Requirements |
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2006-23 Elimination of Photo Identification Evidence |
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2006-22 Extension of Principal Limit Rate Lock |
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2006-20 Subordinate Liens & State & Local Court-Ordered Judgments & Judgment Liens |
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2006-07 Clarification of Mortgagee Letter 06-04 - Closing Costs |
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2006-06 Line of Credit Payment Option for Texas |
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2005-44 National HECM Counseling Network |
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2004-48 HECM Counseling Requirements Simplified |
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2004-39 Signature Reduction, Clarification of Required FHA Documents and Revised Instruction to "Residential Loan Application for Reverse Mortgages" |
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2004-27 Delayed Effective Date for Mortgagee Letter 2004-25 Instructions |
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2004-25 Clarification of counseling requirements |
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2004-22 Elimination of paper mortgage insurance certificates |
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2004-18 Refinancing Existing HECMs and Revision to the HECM Calculation Software |
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2003-22 Home Equity Conversion Mortgages (HECMs) -Procedural Guidance |
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2003-16 Home Equity Conversion Mortgage (HECM)-Interest Rate Lock-Ins |
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2002-12 Reinstatement of the Housing Counseling Notification Requirement |
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2001-18 CHUMS Programming Changes for HECM Processing |
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2001-16 Home Equity Conversion Mortgage Program (HECM) Servicing and Claim Issues |
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2000-34 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) |
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2000-10 Revisions to the Home Equity Conversion Mortgages (HECMs) Program |
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2000-09 Home Equity Conversion Mortgages (HECMs) in Texas |
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1999-36 Home Equity Conversion Mortgage Calculation Software |
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1999-02 Implementation of the Final Rule - HECM Consumer Protection Measures |
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1998-25 Optional New Loan Application Form |
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1998-03 Servicing Fee Cap Monthly Adjustable Loans |
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1997-38 Case Processing, System Issues, Coming Enhancements, Solving Roadblocks |
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1997-15 Implementation of Final Rule and Other Information |
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1996-15 Changes in Program Requirements |
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1995-54 Implementation of Direct Endorsement Program and New Disclosure Requirements on Reverse Mortgages to Consumers |
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1995-45 Lapse of Insuring Authority |
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1994-44 Claims Instructions for FHA-Insured Home Equity Conversion Mortgage |
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1993-22 Changes and Clarifications to HUD Handbook 4235.1 |
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1991-01 Implementation of Certain Provisions of the 1990 Housing Legislation |
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1990-17 Changes and Amendments to HUD Handbook 4235.1 |
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1988-38 Home Equity Conversion Mortgage Insurance Demonstration- Procedures for Applying for Reservations of Insurance Authority |
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