HECM Mortgagee Letters - IIS7

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					FHA Home Equity Conversion Mortgage (HECM)
Mortgagee Letters (2008-Present)

MORTGAGEE LETTER (WEBLINK)                   DESCRIPTION                                                                   Additional Information

2010-34                                      HECM Saver; MIP and PLFs
2010-22                                      Submission of Case Binder Documents
2010-007                                     All HECM Counseling Roster Agencies
2009-049                                     Home Equity Conversion Mortgage Program: Subordinate Liens
                                             Home Equity Conversion Mortgage (HECM) Counseling Standardization and Roster
2009-047                                     Final Rule
                                             Home Equity Conversion Mortgage (HECM) Program -- Clarification of Debenture
                                             Interest Calculation for HECM Claim Type 21; Claim Filing Instructions for HECM
2009-044                                     Claim Types 21 and 24
2009-034                                     Home Equity Conversion Mortgage (HECM) - Principal Limit Factors
2009-021                                     Home Equity Conversion Mortgage Refinancing of Existing Loans
2009-011                                     Final HECM for Purchase Program-SUPERCEDS 2008-033                              Attachment
2009-010                                     HECM: Clarification of Home Equity Conversion Mortgage Counseling Issues
2009-007                                     Loan Limit Increases for FHA
                                             HECM - Clarification regarding borrower's recourse for repayment of HECM loan
2008-038                                     debt and termination of a HECM mortgage
2008-035                                     HECM Mortgage Limits
2008-034                                     HECM Origination Fee-New Limits
2008-033                                     HECM for purchase program                                                       Superceded by 2009-011
2008-028                                     Prohibition on Mortgagee Funded Counseling
2008-24                                      HECM Program-Requirements on Mortgage Originators
2008-14                                      HECM-Non FHA Approved Mortgage Brokers-RESCINDED BY 2008-24
2008-12                                      HECM Counseling Fee
2008-08                                      HECM Fixed Interest Rate
FHA HOME EQUITY CONVERSION MORTGAGE (HECM) MORTGAGEE LETTERS (2006-2007)

MORTGAGEE LETTER (WEBLINK)                                                 DESCRIPTION

2007-08                                                                    HECM Face-to-Face Interviews
                                                                           Home Equity Conversion Mortgage Program-Existing Property
2007-06                                                                    Eligibility Requirements
                                                                           Guidance on Handbook 4060.1 Rev 2-FHA TITLE II Mortgagee
2006-30                                                                    Approval Handbook
                                                                           Home Equity Conversion Mortgage Program: Home Equity
2006-25                                                                    Conversion Mortgage Counseling Requirements
                                                                           Home Equity Conversion Mortgage (HECM) Program: Elimination
2006-23                                                                    of Photo Identification Evidence
                                                                           Home Equity Conversion Mortgage (HECM) Program: Extension of
2006-22                                                                    Principal Limit Rate Lock

                                                                           Home Equity Conversion Mortgage Program: Subordinate Liens &
2006-20                                                                    State & Local Court-Ordered Judgments & Judgment Liens

2006-07                                                                    Clarification of Mortgagee Letter 06-04 - Closing Costs for HECM
                                                                           HECM Program – Line of Credit Payment Option for Texas- Single
2006-06                                                                    Family
FHA HOME EQUITY CONVERSION MORTGAGE
(HECM) MORTGAGEE LETTERS (1988-2005)

 MORTGAGEE LETTER (WEBLINK)            DESCRIPTION

                                       Home Equity Conversion Mortgage (HECM) Program – Expanded National HECM Counseling
 2005-44                               Network
 2004 - 48                             Home Equity Conversion Mortgage (HECM) Counseling Requirements Simplified
                                       HECM; Signature Reduction, Clarification of Required FHA Documents and Revised Instruction to
 2004-39                               "Residential Loan Application for Reverse Mortgages"
 2004-27                               HECM Program - Delayed Effective Date for Mortgagee Letter 2004-25 Instructions
 2004-25                               Clarification of HECM counseling requirements
 2004-22                               Elimination of paper mortgage insurance certificates for HECM mortgages
                                       Refinancing Existing Home Equity Conversion Mortgages (HECM) and Revision to the HECM
 2004-18                               Calculation Software- Single Family
 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
                                       Home Equity Conversion Mortgages (HECMs) in Texas (Supplement to Mortgagee Letter 00-09
                                       dated March 8, 2000) and instructions on using HECM Mortgage Calculation Software (Supplement
 2000-34                               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
                                       Home Equity Conversion Mortgage (HECM) Insurance Program - Optional New Loan Application
 1998-25                               Form
                                       Home Equity Conversion Mortgage (HECM) Insurance Program - Servicing Fee Cap Monthly
 1998-03                               Adjustable Loans
                                       Home Equity Conversion mortgage (HECM) case Processing: System Issues, Coming
 1997-38                               Enhancements, and Solving Roadblocks
                                       Home Equity Conversion Mortgage (HECM) Insurance Program - Implementation of Final Rule and
 1997-15                               Other Information
          Home Equity Conversion Mortgage (HECM) Insurance Program - Changes in Program
1996-15   Requirements

          Home Equity Conversion Mortgage (HECM) Insurance Program - Implementation of Direct
1995-54   Endorsement Program and New Disclosure Requirements on Reverse Mortgages to Consumers
1995-45   Home Equity Conversion Mortgage (HECM) Insurance Program - Lapse of Insuring Authority
1994-44   Claims Instructions for FHA-Insured Home Equity Conversion Mortgage
          Home Equity Conversion Mortgage (HECM) Insurance Program Changes and Clarifications to HUD
1993-22   Handbook 4235.1
          Home Equity Conversion Mortgage (HECM) Insurance Program Changes and Amendments to HUD
1990-17   Handbook 4235.1
          Home Equity Conversion Mortgage Insurance Demonstration- Procedures for Applying for
1988-38   Reservations of Insurance Authority
FHA Home Equity Conversion Mortgage (HECM)
Mortgagee Letters (1988-Present)

MORTGAGEE LETTER                             DESCRIPTION

2010-34                                      HECM Saver; MIP and PLFs
2010-22                                      Submission of Case Binder Documents
2010-007                                     All HECM Counseling Roster Agencies
2009-049                                     Home Equity Conversion Mortgage Program: Subordinate Liens
                                             Home Equity Conversion Mortgage (HECM) Counseling Standardization and
2009-047                                     Roster Final Rule
                                             Home Equity Conversion Mortgage (HECM) Program -- Clarification of
                                             Debenture Interest Calculation for HECM Claim Type 21; Claim Filing
2009-044                                     Instructions for HECM Claim Types 21 and 24
2009-034                                     Home Equity Conversion Mortgage (HECM) - Principal Limit Factors
2009-021                                     Home Equity Conversion Mortgage Refinancing of Existing Loans
2009-11                                      Final HECM for Purchase Program-SUPERSEDS 2008-033

2009-10                                      HECM: Clarification of Home Equity Conversion Mortgage Counseling Issues

2009-07                                      Loan Limit Increases for FHA
                                             HECM - Clarification regarding borrower's recourse for repayment of HECM
2008-38                                      loan debt and termination of a HECM mortgage
2008-36                                      2009 Maximum Mortgage Limits
2008-35                                      HECM Mortgage Limits
2008-34                                      HECM Origination Fee-New Limits
2008-33                                      HECM for purchase program
2008-28                                      Prohibition on Mortgagee Funded Counseling
2008-24                                      HECM Program-Requirements on Mortgage Originators
2008-14                                      HECM-Non FHA Approved Mortgage Brokers-RESCINDED BY 2008-24
2008-12                                      HECM Counseling Fee
2008-08                                      HECM Fixed Interest Rate
2007-13                                      ARMs Addition of the Libor Index
2007-08                                      HECM Face-to-Face Interviews
                                             Home Equity Conversion Mortgage Program-Existing Property Eligibility
2007-06                                      Requirements
                                             Guidance on Handbook 4060.1 Rev 2-FHA TITLE II Mortgagee Approval
2006-30                                      Handbook
                                             Home Equity Conversion Mortgage Program: Home Equity Conversion
2006-25                                      Mortgage Counseling Requirements
          Home Equity Conversion Mortgage (HECM) Program: Elimination of Photo
2006-23   Identification Evidence
          Home Equity Conversion Mortgage (HECM) Program: Extension of Principal
2006-22   Limit Rate Lock
          Home Equity Conversion Mortgage Program: Subordinate Liens & State &
2006-20   Local Court-Ordered Judgments & Judgment Liens
2006-07   Clarification of Mortgagee Letter 06-04 - Closing Costs for HECM

2006-06   HECM Program – Line of Credit Payment Option for Texas- Single Family
          Home Equity Conversion Mortgage (HECM) Program – Expanded National
2005-44   HECM Counseling Network
          Home Equity Conversion Mortgage (HECM) Counseling Requirements
2004-48   Simplified

          HECM; Signature Reduction, Clarification of Required FHA Documents and
2004-39   Revised Instruction to "Residential Loan Application for Reverse Mortgages"
          HECM Program - Delayed Effective Date for Mortgagee Letter 2004-25
2004-27   Instructions
2004-25   Clarification of HECM counseling requirements

2004-22   Elimination of paper mortgage insurance certificates for HECM mortgages
          Refinancing Existing Home Equity Conversion Mortgages (HECM) and
2004-18   Revision to the HECM Calculation Software- Single Family
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
           Home Equity Conversion Mortgage Program (HECM) Servicing and Claim
2001-16   Issues
          Home Equity Conversion Mortgages (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-
2000-34   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
          Home Equity Conversion Mortgage (HECM) Insurance Program - Optional
1998-25   New Loan Application Form
          Home Equity Conversion Mortgage (HECM) Insurance Program - Servicing
1998-03   Fee Cap Monthly Adjustable Loans
          Home Equity Conversion mortgage (HECM) case Processing: System Issues,
1997-38   Coming Enhancements, and Solving Roadblocks
          Home Equity Conversion Mortgage (HECM) Insurance Program -
1997-15   Implementation of Final Rule and Other Information
          Home Equity Conversion Mortgage (HECM) Insurance Program - Changes in
1996-15   Program Requirements
          Home Equity Conversion Mortgage (HECM) Insurance Program -
          Implementation of Direct Endorsement Program and New Disclosure
1995-54   Requirements on Reverse Mortgages to Consumers
           Home Equity Conversion Mortgage (HECM) Insurance Program - Lapse of
1995-45   Insuring Authority
1994-44   Claims Instructions for FHA-Insured Home Equity Conversion Mortgage
          Home Equity Conversion Mortgage (HECM) Insurance Program Changes and
1993-22   Clarifications to HUD Handbook 4235.1
1991-01   Implementation of Certain Provisions of the 1990 Housing Legislation
          Home Equity Conversion Mortgage (HECM) Insurance Program Changes and
1990-17   Amendments to HUD Handbook 4235.1
          Home Equity Conversion Mortgage Insurance Demonstration- Procedures for
1988-38   Applying for Reservations of Insurance Authority
Additional Information




Attachment-Investment Examples


Attachment 1-Counties at the Ceiling; Attachment 2-Counties
between the Floor and Ceiling.




Superseded by 2009-011

				
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