HECM Documents
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You can view online and print out all of the official
documents related to the federally-insured Home
Equity Conversion Mortgage (HECM) program. You
can also order hard copies of program handbooks
and mortgagee letters online or by telephone.

 ONLINE VIEWING

  • HECM Statute (as of 1/6/99)
  1. Go to www.access.gpo.gov/uscode/
    uscmain.html
  2. Scroll down to TITLE 12 - BANKS AND
    BANKING; click on it
  3. Scroll down to CHAPTER 13 - NATIONAL
    HOUSING ACT; click on it
  4. Scroll down to SUBCHAPTER II -
    MORTGAGE INSURANCE; click on it
  5. Scroll down to Sec. 1715z-20 Insurance
    of home equity conversion mortgages
    for elderly homeowners; click on it
  6. Wait for the file to download
  • HECM Statute: for amendments of
                                12/27/2000, click here
  • HECM Regulations
  1. Go to www.hudclips.org - click on "library"
    in the righthand column
  2. Scroll down to "Codes and Acts" and
    click the button to the left of "Section 24 -
    Code of Federal Regulations."
  3. Click on the word "SEARCH" to the right
    of this section
  4. In the "Document Number" box, type:  206.$
  5. Click the "submit" button
  6. Click on each individual section of the
    regulations
  • HECM Program Handbook
  1. Go to www.hudclips.org and click on "library"
    in the righthand column
  2. Scroll down to "Select Handbooks and Notices"
    and click the button to the left of
    these words
  3. Click on the word "SEARCH" directly to the
    right of these words
  4. In the "Document number" box, type: 4235.1
  5. Click the "submit" button
  6. Click on each individual section of the handbook
  • HECM Mortgagee Letters
  1. Go to www.hudclips.org and click on "library"
    in the righthand column
  2. Scroll down to "Letters" and click the button to
    the left of "Mortgagee Letters."
  3. Click on the word "SEARCH" to the right of
    these words
  4. In the "Enter Word of Phrase" box, type: HECM
  5. Click the "submit" button
  6. Click on each individual mortgagee letter
  • Housing Counseling Program Handbook
  1. Go to www.hudclips.org and click on "library"
    in the righthand column
  2. Scroll down to "Select Handbooks and Notices"
    and click the button to the left of these words
  3. Click on the word "SEARCH" directly to the
    right of these words
  4. In the "Document number" box, type: 7610.1
  5. Click the "submit" button
  6. Click on each individual section of the handbook

ORDERING HARD COPIES
  of program handbooks and mortgagee letters

  • Go to www.hudclips.org, scroll all the way down to
    "Order hard copies of handbooks and guidebooks,"
    and click on it.
  • Call 1-800-767-7468 or
    send a fax order to 202-708-2313.

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Copyright © NCHEC. All rights reserved.
Revised: August 31, 2001.