Lender Library
MassHousing Lender Forms and Resources
On this page, MassHousing partner lenders will find forms and documents needed to originate, register, and close MassHousing first and second mortgage loans. If you have questions or need assistance, please contact your MassHousing Relationship Manager at 888-843-6432 or homeownership@masshousing.com.
First Mortgage Lender Resources
- MassHousing Seller Guide
- HomeOwnership Announcements
- Product Matrix (effective 7/6/2026)
- Product Matrix (loans locked 4/27-7/2/2026)
- Lender Wire/ACH/Overnight Mail Notification
- Affordable Deed Rider (B-010)
- Condominium Projects: Exposure Limits
- MI Underwriting Matrix (Non-MassHousing Loans)
- Document Loan Delivery Requirements (L-102)
- MassHousing Staff Directory
- L-101HFA Advantage/HFA Preferred (loans locked prior to 6/15/2026)
- L-101 WFA & WFA/FHA (loans locked prior to 6/15/2026)
First Mortgage Closing Doc Sets
Product codes to generate closing packages. Form B-001 is required at application where noted.
Borrower Forms
Required at Application
B-001 Borrower’s Affidavit and Disclosure of Federal Subsidy Recapture
Required at Closing
B-003 Uniform Mortgage Rider
B-011 MassHousing Homeowner Questionnaire
B-012 Appraisal Report, Borrower’s Acknowledgement
Lender Forms
L-101HFA Advantage/HFA Preferred Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
L-105 Appraisal Independence Certification
Borrower Forms
Required at Application
B-001 Borrower’s Affidavit and Disclosure of Federal Subsidy Recapture
Required at Closing
B-003 Uniform Mortgage Rider
B-011 MassHousing Homeowner Questionnaire
B-012 Appraisal Report, Borrower’s Acknowledgement
Lender Forms
L-101 WFA & WFA/FHA Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
L-105 Appraisal Independence Certification
Income Certification
L-106Wfa Income Certification Worksheet
L-107Wfa Certification of Zero Income
Borrower Forms
Freddie Mac/Fannie Mae Form 3800.22: Standardized Subordinate Security Instrument
Freddie Mac/Fannie Mae Form 3297: Multistate Subordinate Standardized Deferred Payment Note (Simple Interest – Zero)
B-008Wfa DPA Mortgage Repayment Terms
B-009Wfa DPA Truth in Lending (an LE/CD can be used in lieu of)
Lender Forms
WFA/WFA FHA DPA Instructions
L-101 WFA & WFA/FHA Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
Eligible 1st Mortgage Product Pairing: 1006, 2006, 3005
Borrower Forms
Freddie Mac/Fannie Mae Form 3800.22: Standardized Subordinate Security Instrument
Freddie Mac/Fannie Mae Form 3297: Multistate Subordinate Standardized Deferred Note
B-008DPA0%DEF DPA Mortgage Repayment Terms
B-009DPA0%DEF DPA Truth in Lending (an LE/CD can be used in lieu of)
Lender Forms
Down Payment Assistance (DPA) Instructions
L-101HFA Advantage/HFA Preferred Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
Eligible 1st Mortgage Product Pairing:1001FTHB, 1002FTHB, 1004, 2004, 2001FTHB, 2002FTHB, 1001FTHBREHAB, 1002FTHBREHAB, 1004REHAB, 2001FTHBREHAB, 2002FTHBREHAB, 2004REHAB, 3004FTHB
Borrower Forms
Freddie Mac/Fannie Mae Form 3800.22: Standardized Subordinate Security Instrument
Freddie Mac/Fannie Mae Form 3295: Multistate Subordinate Standardized Amortizing Note
Lender Forms
Down Payment Assistance (DPA) Instructions
L-101HFA Advantage/HFA Preferred Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
Eligible 1st Mortgage Product Pairing:1001FTHB, 1002FTHB, 2001FTHB, 2002FTHB, 1001FTHBREHAB, 1002FTHBREHAB, 2001FTHBREHAB, 2002FTHBREHAB, 3004FTHB
Borrower Forms
Required at Application
B-001 Borrower’s Affidavit and Disclosure of Federal Subsidy Recapture
Required at Closing
B-003 Uniform Mortgage Rider
B-004 Rehabilitation Loan Rider
B-011 MassHousing Homeowner Questionnaire
B-012 Appraisal Report, Borrower’s Acknowledgement
Lender Forms
L-101HFA Advantage/HFA Preferred Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
L-105 Appraisal Independence Certification
Escrow Agreement
Maximum Mortgage Worksheet
Borrower Forms
B-004 Rehabilitation Loan Rider
B-011 MassHousing Homeowner Questionnaire
B-012 Appraisal Report, Borrower’s Acknowledgement
Lender Forms
L-101HFA Advantage/HFA Preferred Income Limits: Word | PDF
L-103 Notice of Servicing Transfer
L-105 Appraisal Independence Certification
Escrow Agreement
Maximum Mortgage Worksheet
Escrow Holdback Guidelines
Escrow Agreement for Postponed Septic Improvements
2025 Estimating Recapture Tax Table 2
2024 Estimating Recapture Tax Table 2
2023 Estimating Recapture Tax Table 2
2022 Estimating Recapture Tax Table 2
2021 Estimating Recapture Tax Table 2
2020 Estimating Recapture Tax Table 2
2019 Estimating Recapture Tax Table 2
2018 Estimating Recapture Tax Table 2
2017 Estimating Recapture Tax Table 2