MassHousing Lender Forms and Resources - Second Mortgage Programs
Accessory Dwelling Unit Loan Program (ADULP) Update
ADULP Doc Sets have been released and are now available in Encompass and on Doc Magic.
On this page, you will find all of the forms and documents they need to originate, register and close MassHousing second mortgage loans. If you have questions or need assistance, please contact rehabmonitoring@masshousing.com.
For MassHousing First Mortgage Forms and Down Payment Assistance, view forms and resources here.
Lender Resources
2nd Mortgage Repair Program Updates
- March 27, 2026 | 2nd Mortgage Repair Loan Program Updates & Overview
- January 12, 2026 | Accessory Dwelling Unit (ADULP) 2nd Mortgage Loan Program
- September 26, 2025 | 2nd Mortgage Repair Loan Programs – eMasshousing.com Updates
- June 26, 2025 | 2nd Mortgage Repair Loan Programs – Rebranding, Program and System Updates
- April 30, 2025 | GTLO, SEPTIC & HILP Income Limit Changes for 2025
- December 30, 2024 | Energy Saver Home Loan Program Processing Fee Increase
- May 6, 2024 | GTLO Income Limit changes for 2024
- January 29, 2024 | NEW Income Certification Actions for 2nd Mortgage Repair Loans Effective on All Loans Registered on or after January 29, 2024
- December 7, 2023 | MassHousing Second Mortgage Repair Programs Update
- November 13, 2023 | Get the Lead Out Program Lender Fee Increase
- June 8, 2023 | Homeownership Update for Second Mortgage Programs: New Income Limits
- February 15, 2022 | New loan origination, purchasing and MI system
2nd Mortgage Repair Program Presentations
2nd Mortgage Lock Desk
Income Certification for 2nd Mortgage Repair Loan Programs
2nd Mortgage Closing/Post-Closing
ADULP Lender Product Overview
ADULP Underwriting Overview
ADULP Lock Overview
Closing Doc Sets
Home Improvement Loan Program
5% 15-Year Amortized - Product Code 5003
HILP-B-200 Uniform Mortgage Rider
HILP-B-201 Rate/Term/Income Limits/Loan Amount
HILP-B-202 Document Loan Delivery Requirements
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form
ADU Loan Program
20-Year Amortized with 0% Deferred Match – Product Code 5009
Amortized Loan
Required at Application
ADULP-B-601 Program Disclosure
Required at Closing
ADULP-L-603 Document Delivery Checklist
ADULP AMORTIZED (20 Year Term) Freddie Mac/Fannie Mae Form 3800.22: Standardized Subordinate Security Instrument/Document
B-011 MassHousing Homeowner Questionnaire
B-012 Appraisal Report, Borrower's Acknowledgement
L-103 Notice of Servicing Transfer
L-105 Appraisal Independence Certification
ADULP Income Limits
FNMA Renovation Contract (Form 3730)
Deferred Loan
Required at Application
ADULP 0% Deferred Instructions
ADULP-B-602 Truth in Lending
Required at Closing
ADULP DEFERRED (0% 20-Year Term) Freddie Mac/Fannie Mae Form 3800.22: Standardized Subordinate Security Instrument/Document
ADULP DEFERRED (0% 20-Year Term) Freddie Mac/Fannie Mae Form 3297: Multistate Subordinate Standardized Deferred Payment Note (Simple Interest – Zero)
NOTE: If you are using Doc Magic to generate documents, ADULP Documents will be set up as follows:
MAFHA_5009A 5009A- ADULP AMORTIZED 20YR TERM 2ND LIEN - MASSHOUSING
MAFHA_5009D 5009D- ADULP DEFERRED 0% 20YR TERM 2ND LIEN – MASSHOUSING
L-103 Notice of Servicing Transfer
Project Management Documents
Extension Request
Borrower Completion and Consent Form
Energy Saver Home Loan Program
0.5% Amortized – Product Code 5007
ESHLP-B-301 Initial Disclosure
ESHLP-B-302 0.5% Interest Note
ESHLP-B-304 Uniform Mortgage Rider
ESHLP-B-305 Escrow Agreement (to be provided by MassHousing)
ESHLP-L-306 Lender Document Delivery Requirements
L-103 L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
ESHLP Income Limits (2025)
ESHLP Eligible Improvements
ESHLP Eligibility Training (CSP/ESP)
ESHLP Program Training (Lender)
ESHLP FAQs (August 2024)
Conditional Waiver and Release of Lien (ESP)
Concierge Service Provider/Energy Service Provider Contact List
ESHLP Participating Lender List
Customer Forms
Step-by-Step Guide - Post Close
Borrower Completion and Consent Form
Change Order Request
Extension Request
Waiver of Construction Lien & Confirmation of No Outstanding Payments Due Form
Energy Saver Home Loan Program
2% Amortized – Product Code 5008
ESHLP-B-301 Initial Disclosure
ESHLP-B-303 2% Interest Note
ESHLP-B-304 Uniform Mortgage Rider
ESHLP-B-305 Escrow Agreement (to be provided by MassHousing)
ESHLP-L-306 Lender Document Delivery Requirements
L-103 L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
ESHLP Income Limits (2025)
ESHLP Eligible Improvements
ESHLP Eligibility Training (CSP/ESP)
ESHLP Program Training (Lender)
ESHLP FAQs (August 2024)
Conditional Waiver and Release of Lien (ESP)
Concierge Service Provider/Energy Service Provider Contact List
ESHLP Participating Lender List
Customer Forms
Step-by-Step Guide - Post Close
Borrower Completion and Consent Form
Change Order Request
Extension Request
Waiver of Construction Lien & Confirmation of No Outstanding Payments Due Form
Septic Repair Loan Program
0% Deferred 30-Year Fixed – Product Code 5001
SL-401 Uniform Mortgage Rider
SL-402 0% Interest Deferred Note
SL-403 Loan Processing Worksheet
SL-404 Document Loan Delivery Requirements
SL-406 Rate/Term/Income Limits/Loan Amount
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form
Septic Repair Loan Program
2.5% 15-Year Amortized – Product Code 5002
SL-401 Uniform Mortgage Rider
SL-403 Loan Processing Worksheet
SL-404 Document Loan Delivery Requirements
SL-406 Rate/Term/Income Limits/Loan Amount
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form
Septic Repair Loan (Condo Associations)
2.5% 15-Year Amortized – Product Code 5002
SCL-500 Loans Submission Checklist
SCL-501 Loan Submission Certificate
SCL-502 Security Agreement and Assignment of Income
SCL-503 Exhibit A to Financing Statement
SCL-504 Certificate
SCL-505 Note
SCL-506 Assignment of Security Instrument
SCL-507 Vote of Trustees (Managers)
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form
Get the Lead Out Loan Program
0% Deferred 30-Year Owner-Occupied - Product Code 5004
LP-001 Lender Document Loan Delivery Requirements
LP-002 LRA Document Checklist
LP-003 0% Interest Deferred Note
LP-005 0% Interest Deferred Uniform Mortgage Rider
LP-006 0% Deferred Truth in Lending
LP-007 0% Interest Deferred Mortgage Repayment Terms Disclosure
LP-008 Escrow Agreement
LP-009 Investor/Non-Profit Affidavit
LP-011 Income Limits
LP-012 Waiver Request
LP-013 0% Interest Deferred Reimbursement Invoice
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form
Get the Lead Out Loan Program
0% Amortized 15-Year Non-Profit - Product Code 5005
LP-001 Lender Document Loan Delivery Requirements
LP-002 LRA Document Checklist
LP-008 Escrow Agreement
LP-009 Investor/Non-Profit Affidavit
LP-011 Income Limits
LP-012 Waiver Request
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form
Get the Lead Out Loan Program
3% Amortized 15-Year Investor - Product Code 5006
LP-001 Lender Document Loan Delivery Requirements
LP-002 LRA Document Checklist
LP-008 Escrow Agreement
LP-009 Investor/Non-Profit Affidavit
LP-011 Income Limits
LP-012 Waiver Request
L-103 Notice of Servicing Transfer
B-011 MassHousing Homeowner Questionnaire
Project Management Documents
Extension Request
Borrower Completion and Consent Form