June 13, 2023

HUD: FHA Launches New Resources to Remove Language Barriers for Borrowers

Multi-language translations of single family mortgage documents offer new resources for lenders and servicers when working with borrowers with limited English proficiency.

Today, the Federal Housing Administration (FHA) is making available in Chinese, Korean, Spanish, Tagalog, and Vietnamese more than 30 single family mortgage documents and related resources used in the origination of FHA-insured mortgages. The educational resources are accessible from FHA’s new language access web page and are intended to 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 borrowers executing legal documents in English, as required by law. This first set of translations is part of ongoing efforts by FHA to remove language access barriers for consumers whose preferred language may not be English, and a part of HUD Secretary Marcia L. Fudge’s commitment to making equity a leading compass within the Biden-Harris Administration.

“Understanding the products, processes, and documents associated with a mortgage transaction is vital to a borrower’s ability to become a successful homeowner,” said Assistant Secretary for Housing and Federal Housing Commissioner Julia Gordon. “These new resources will help prospective homebuyers better understand their transaction and make more informed decisions before they are at the closing table.”

The translated documents include the HUD Addendum to the Uniform Residential Loan Application (HUD 92900-A) required for all FHA-insured single family mortgages; model documents, including mortgage notes and riders used in FHA forward and Home Equity Conversion Mortgage (HECM) transactions; and required borrower disclosures. In addition, FHA now has newly translated versions of some of its most widely used single family homebuyer education materials and information resources, including its Save Your Home, Tips to Avoid Foreclosure brochure, its disaster relief and recovery options information card, and FHA “myth busters” question and answer cards.

FHA intends to make additional resources available in the future.

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 new language access web page.

Forms and Model Documents
Document NameTypeForm Number
Mortgage Application
HUD Addendum to Uniform Residential Loan ApplicationFormHUD-92900-A
Borrower Acknowledgements, Notices, and Disclosures
Important Notice to HomebuyersFormHUD-92900-B
Informed Consumer Choice DisclosureModel DocumentN/A
Servicemembers Civil Relief Act Notice DisclosureFormHUD-92070
Borrower’s Contract with Respect to Hotel and Transient Use of PropertyFormHUD-92561
Borrower’s Certification of Water Purification SystemModel DocumentN/A
Home Equity Conversion Mortgage (HECM) Anti-Churning DisclosureFormHUD-92901-HECM
Mortgage-Related Documents and Riders
Mortgage Forward Model DocumentN/A
Note ForwardModel DocumentN/A
ARM NoteModel DocumentN/A
Condominium Rider Model DocumentN/A
Construction Rider Model DocumentN/A
Rehabilitation Loan AgreementModel DocumentN/A
Water Purification Equipment RiderModel DocumentN/A
Amendatory ClauseModel DocumentN/A
Builder’s Certification of Plans, Specifications, and SiteFormHUD-92541
Warranty of Completion of ConstructionFormHUD-92544
Loss Mitigation Documents
Request for Occupied ConveyanceFormHUD-9539
Approval to Participate Property Sales Information Property Occupancy & Maintenance Pre-foreclosure Sale ProcedureFormHUD-90045
Homebuyer Education and Informational Resources
Document NameTypeForm Number
FHA Homebuying Information Resources
Dispelling Homebuying Myths- Single Family HomesEducational MaterialsN/A
Dispelling Homebuying Myths – Stellar CreditEducational MaterialsN/A
Dispelling Homebuying Myths – 20% Down PaymentEducational MaterialsN/A
Dispelling Homebuying Myths – Gift FundsEducational MaterialsN/A
Dispelling Homebuying Myths – Income LimitsEducational MaterialsN/A
Dispelling Homebuying Myths – Changed JobsEducational MaterialsN/A
Dispelling Homebuying Myths – Side HustleEducational MaterialsN/A
Dispelling Homebuying Myths – Student Loan DebtEducational MaterialsN/A
Dispelling Homebuying Myths – 203(k) ProgramEducational MaterialsN/A
203(k) Consumer Fact SheetEducational Materials105
Disaster Relief CardEducational MaterialsN/A
Foreclosure Avoidance
Save Your Home, Tips to Avoid Foreclosure BrochureEducational MaterialsFHA-2008-5
FHA Program Participants
203(k) Consultant, Role of, Fact SheetEducational Materials103
203(k) Consultant, How to Become, Fact SheetEducational Materials104
Application for Fee or Roster DesignationFormHUD-92563-A
This post was originally published here.