HUD Logo
USA%20Flag  
Site Map         A-Z Index         Text   A   A   A
HUD   >   Program Offices   >   Housing   >   Single Family   >   HECM   >   HUD Reverse Mortgage HECM Mortgagee Letters
HECM Mortgagee Letters

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

 -   2014-12 New HECM Principal Limit Factors
 -   2014-11 HECM Limit on Insurability of Fixed Interest Rate Products
 -   2014-10 HECM Prohibits Misleading or Deceptive Program Descriptions or Advertising and Prohibits Restriction of Mortgagor Freedom of Choice
 -   2014-07 HECM Non-Borrowing Spouse
 -   2013-45 Delay HECMS Eff Date for Financial Assessment / Funding Reqmts
 -   2013-33 HECM Mand Oblig; Life Expect Set-Asides; Purch Trans;
 -   2013-28 Financial Assessment and Property Charge Guide
 -   2013-28 Attachment: Property Charge Guide
 -   2013-27 Changes to the HECM Program Requirements
 -   2013-02 Amended Late Request for Endorsement Procedures
 -   2013-01 Consolidation of Pricing Options and PLFs for Fixed Interest Rates
 -   2012-17 HERMIT System for HECM Loans
 -   2011-39 Maximum Mortgage Limits
 -   2011-31 Rev HUD 92902, Cert of HECM Counseling/Clarification of 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)
 -   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

Return to HUD's HECM or Housing Counseling web pages