HUD: Tools Updated to Help Americans Buy Homes

New translations of single-family mortgage documents make mortgage information more accessible for non-English speaking borrowers

Today, the U.S. Department of Housing and Urban Development (HUD), through its Federal Housing Administration (FHA), is making available translated versions of 19 single family mortgage documents used in the servicing of FHA-insured mortgages. These documents will be available in Chinese, Korean, Spanish, Tagalog, and Vietnamese. The educational resources are accessible from FHA’s language access web page and will assist lenders, servicers, housing counselors, and other FHA program participants in explaining information related to FHA-insured mortgages to those with limited English proficiency prior to the execution of these documents in English, as required by law.

This set of translations augments the 40 previously published translated mortgage origination documents and homeownership education resources already available to consumers. Together, these translated documents will remove language access barriers for FHA consumers whose preferred language is not English.

“At HUD, we are working to ensure that homeownership is accessible to everyone who wants it – particularly for first-time homebuyers. To do that, we must make sure everyone has access to information about our programs. This common-sense action will help families achieve their dream of owning a home,” said HUD Acting Secretary Adrianne Todman.“Today, we are taking a crucial step towards a more inclusive, diverse, and equitable generation of homeowners.”

“We continue to work to remove language access barriers for borrowers with FHA-insured mortgages. We believe it’s critical for borrowers to understand the options for purchasing a home and for accessing assistance if an existing borrower has difficulty in making their mortgage payments,” said Federal Housing Commissioner Julia Gordon. “With almost 60 mortgage documents translated into multiple languages, we now have a comprehensive collection of translated tools and resources for our program partners to use to more effectively reach those whose first language is not English.”

Newly Available Translated Mortgage Documents and Education Resources

The mortgage documents and information resources listed below are now available in Chinese, Korean, Spanish, Tagalog, and Vietnamese from FHA’s language access web page.
 

Mortgage Servicing
Borrower’s Consent to Voluntary Termination of FHA Mortgage Insurance (7/20/2021)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
FHA-HAMP Partial Claim Promissory Note and Partial Claim Subordinate Mortgage(6/2015)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Notice to Homeowner: Release of Personal Liability for Assumptions (6/2015)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Notice to Occupant of Pending Acquisition (11/2015)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Payoff Procedure Disclosure (6/2015)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Pre-Foreclosure Sale Addendum (6/2015)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Prepayment Disclosure Statements (6/2015)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Annual Payment Supplement Disclosure (2/21/2024)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Final Payment Supplement Disclosure (2/2024)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Payment Supplement Agreement Rider (2/21/2024)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Payment Supplement Promissory Note & Payment Supplement Security Instrument(2/21/2024)	Model Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
Property Disposition Program LEAD-BASED PAINT DISCLOSURE ADDENDUM TO CONTRACT -Seller has pertinent records	Form	HUD-9545-Y	Chinese	Korean	Spanish	Tagalog	Vietnamese
Property Disposition Program LEAD-BASED PAINT DISCLOSURE ADDENDUM TO CONTRACT -Seller has NO pertinent records	Form	HUD-9545-Z	Chinese	Korean	Spanish	Tagalog	Vietnamese
Sales Contract Property Disposition Program	Form	HUD-9548	Chinese	Korean	Spanish	Tagalog	Vietnamese
Information Sheet Pre-foreclosure Sale Procedure	Form	HUD-90035	Chinese	Korean	Spanish	Tagalog	Vietnamese
Sales Contract Review Pre-Foreclosure Sale Program	Form	HUD-90051	Chinese	Korean	Spanish	Tagalog	Vietnamese
Claims and Disposition
Exclusive Listing Period Purchase Addendum for Individual Owner-Occupant Buyers(6/2018)	Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
HUD Earnest Money Forfeiture and Return Policy (9/30/2016)	Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese
FHA Good Neighbor Next Door Program Note (6/12/2013)	Document	N/A	Chinese	Korean	Spanish	Tagalog	Vietnamese