For each handbook document, you may download the PDF Version and/or the Word fillable form.

Handbook		WORD
Transmittal	PDF	WORD
Table of Contents	PDF	WORD
Chapter 1: General Information	PDF	WORD
Chapter 2: Borrower Counseling	PDF	WORD
Chapter 3: Property Analysis	PDF	WORD
Chapter 4: Mortgage Credit Analysis	PDF	WORD
Chapter 5: Calculation of Payments	PDF	WORD
Chapter 6: Closing and Endorsement	PDF	WORD
Chapter 7: Payment of Mortgage Insurance Premiums	PDF	WORD
Chapter 8: Assignments	PDF	WORD
Chapter 9: HUD Servicing	PDF	WORD
APPENDIX 1: Model Mortgage Form	PDF	WORD
APPENDIX 2: Model Fixed Rate Note Form	PDF	WORD
APPENDIX 3: Model Adjustable Rate Note Form	PDF	WORD
APPENDIX 4: Model Second Mortgage Form	PDF	WORD
APPENDIX 5: Model Fixed Rate Second Note Form	PDF	WORD
APPENDIX 6: Model Adjustable Rate Second Note Form	PDF	WORD
APPENDIX 7: Home Equity Conversion Loan Agreement	PDF	WORD
APPENDIX 8: Repair Rider to Loan Agreement	PDF	WORD
APPENDIX 9: Condominium Rider	PDF	WORD
APPENDIX 10: Planned Unit Development Rider	PDF	WORD
APPENDIX 11: Shared Appreciation Rider	PDF	WORD
APPENDIX 12: Shared Appreciation Allonge	PDF	WORD
APPENDIX 13: Home Equity Conversion Mortgage Payment Plan	PDF	WORD
APPENDIX 14: Notice to the Borrower	PDF	WORD
APPENDIX 15: Instructions for Completing the URLA and Addendum	PDF	WORD
APPENDIX 16: Certificate of Borrower Counseling	PDF	WORD
APPENDIX 17: Periodic Disclosure of Interest Rate Change for HECM	PDF	WORD
APPENDIX 18: CHUMS Input Worksheet	PDF	WORD
APPENDIX 19: Shared Appreciation Worksheet	PDF	WORD
APPENDIX 20: Factors for Determining Borrower's Principal Limit	PDF	WORD
APPENDIX 21: Home Equity Conversion Mortgage	PDF	WORD
APPENDIX 22: Payment Calculation Formulas	PDF	WORD
APPENDIX 23: Instructions For Estab. A PAD Account For HECM Loans	PDF	WORD