The mortgagee letters listed on this page update the policies in HUD Handbook 4235.1. All Mortgagee Letters are available online.

	2012-17 HERMIT System for HECM Loans
	2011-39 Maximum Mortgage Limits
	2011-31 Revised Form HUD 92902, Certificate of HECM Counseling and Clarification of Counseling Guidance
	2011-29 New Maximum Mortgage Limits: Effective October 1, 2011
	2011-26 Intermediaries Included on the HECM Counselor List
	2011-16 Recission of Borrower's Recourse
	2011-09 Waiver of fees/activites on Certificate
	2011-01 HECM Property Charge Loss Mitigation
	2010-39 HUD-1 Settlement Stmt Closing Certification
	2010-39 Attachment
	2010-37 Provide a List of Counseling Agencies
	2010-34 HECM Saver; MIP and PLFs
	2010-22 Submission of Case Binder Documents
	2010-22 Attachment
	2010-07 HECM Loan Forms & Guidance
	2010-07 Attachments: (Below) FannieMae Form 1009 Home Equity Conversion Mortgage Loan Agreement Exhibit 1 - Payment Plan Exhibit 2 - Schedule of Closing Costs Exhibit 3 - Repair Rider
	2009-49 Subordinate Liens
	2009-47 Counseling Standardization & Roster
	2009-44 Debenture Interest and Claim Filing Instructions
	2009-34 Principal Limit Factors
	2009-21 HECM Refinances
	2009-11 HECM for Purchase Prog
	2009-11 Attachment 1 Investment Examples
	2009-10 Counseling Requirement
	2009-07 Loan Limit Increases for FHA
	2009-07 Attachment 1 Counties at the Ceiling
	2009-07 Attachment 2 Counties between the Floor and Ceiling
	2008-38 Clarifies Repayment & Terminations
	2008-36 2009 Maximum Mortgage Limits
	2008-35 HECM Mortgage Limits Effective Immed
	2008-34 HECM Origination Fee - New Limits
	2008-33 HECM for Purchase Program
	2008-28 Prohibits 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
	2007-13 ARMs Addition of LIBOR Index
	2007-08 Face-to-face Interviews
	2007-06 Property Eligibility Requirements
	2006-30 Mortgagee Approval Guidance on 4060.2 r2
	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 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 Optional New Loan Application Form
	1998-03 Servicing Fee Cap Monthly Adjustable Loans
	1997-38 Case Processing, System Issues, Coming Enhancements, Solving Roadblocks
	1997-15 Implementation of Final Rule and Other Information
	1996-15 Changes in Program Requirements
	1995-54 Implementation of Direct Endorsement Program and New Disclosure Requirements on Reverse Mortgages to Consumers
	1995-45 Lapse of Insuring Authority
	1994-44 Claims Instructions for FHA-Insured Home Equity Conversion Mortgage
	1993-22 Changes and Clarifications to HUD Handbook 4235.1
	1991-01 Implementation of Certain Provisions of the 1990 Housing Legislation
	1990-17 Changes and Amendments to HUD Handbook 4235.1
	1988-38 Home Equity Conversion Mortgage Insurance Demonstration- Procedures for Applying for Reservations of Insurance Authority

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