--- title: How to generate a borrower adjustment notice? description: This article discusses how to generate a Borrower Adjustment Notice for ARM loans. --- [Skip to content](https://help.themortgageoffice.com/knowledge/how-to-create-borrower-adjustment-notices#main-content) [![TMO-LO~1](https://help.themortgageoffice.com/hs-fs/hubfs/TMO-LO~1.png?width=200&height=65&name=TMO-LO~1.png)](https://www.themortgageoffice.com/) - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) Open main navigation Close main navigation - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) - [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new) [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new?hsLang=en) How can we help you? - There are no suggestions because the search field is empty. 1. [Knowledge Base](https://help.themortgageoffice.com/knowledge?hsLang=en) 2. [Loan Servicing](https://help.themortgageoffice.com/knowledge/loan-servicing?hsLang=en) 3. [Adjustable Rate Mortgages (ARM)](https://help.themortgageoffice.com/knowledge/loan-servicing?hsLang=en#adjustable-rate-mortgages-arm) October 9, 2026 # How to generate a borrower adjustment notice? ## This article discusses how to generate a Borrower Adjustment Notice for ARM loans. CAUTION: You are **required** to provide borrowers with adjustment notices at least **once** each year in which an interest rate adjustment is implemented without an accompanying payment change, and **at least** 25 but **not more** than 120, calendar days prior to the due date of a payment at the new level. Adjustment notices must either be **delivered** or **placed** in the U.S. **mail** within the time limitation. NOTE: How does The Mortgage Office® determine **when** notices must be printed? In addition to the end-user options presented below, the borrowers selected as recipients of rate adjustment notices must have **pending** ARM **rate** or **payment** **modifications** for which a notice has **not** been sent. Once the notices are printed and you have marked them as printed, they **won't** be selected again. ### To print the Borrower Adjustment Notice: - Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=19&height=19&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®. - Click on **Tasks & Reports**. - Click ![file-word-regular](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/file-word-regular.png?width=15&height=15&name=file-word-regular.png) **Borrower Adjustment Notices** located underneath the **Adjustable Rate Mortgages** section of the page. - Select **All Loans** or **Selected Loans by Account** from the drop-down list. TIP: When you choose Select Loans by Account you must enter starting and ending account numbers in the **From** and **To** input fields. You can enter the same starting and ending account number to select a **single** loan, or you can enter a logical range to select **multiple** loans. For example, if you enter HBT as the starting and ending accounts, all loans with account numbers starting with HBT will be included. - Next, select the type of **Notice to Print.** You have the following three choices: - **Standard Rate & Payment Adjustment Notice.** This is the standard notice used primarily for non-RESPA loans. - **RESPA Initial Rate & Payment Adjustment Notice.** This notice is required only for the first time the interest rate adjusts. It must be provided to the consumer between 210 days and 240 days before the first payment at the new rate is due. - **RESPA Regular Rate & Payment Adjustment Notice.** This is the ongoing interest rate adjustment notice and it must be provided to the consumer between 60 and 120 days before the first payment at the new rate is due. TIPS: - All three notices are handled with a single Microsoft Word mail-merge template. To learn how to edit and make modifications to this template, please read to [How to edit notices](https://help.themortgageoffice.com/knowledge/how-to-edit-the-rate-payment-adjustment-notices?hsLang=en). - The **RESPA** ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) checkbox in the loan terms detail section must be selected to send a RESPA notice. For more information, see [How to add or edit details in the terms of a loan?](https://help.themortgageoffice.com/knowledge/how-to-add-or-edit-detailed-information-in-terms-of-a-loan?hsLang=en) - For additional information see section 1026.20(d) of the 2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules. - Check ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) **Exclude Borrowers on Hold** to exclude all borrowers that have been placed on hold; otherwise, uncheck this box. - Check ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) **Exclude notices without changes** to only print notices in which the rate or payment actually changed. - If necessary, use the **Select Categories to Include or Exclude** hyperlinks to filter borrowers based on their categories. NOTE: Categories are keywords or phrases that help you create logical loan groups. To learn more read [How to Use the Categories Window](https://help.themortgageoffice.com/knowledge/how-to-use-the-categories-window?hsLang=en)[.](https://app.themortgageoffice.com/help/HowtoUsetheCategoriesWindow.html) - Click ![NEXT blue button without border](https://help.themortgageoffice.com/hs-fs/hubfs/NEXT%20blue%20button%20without%20border.png?width=64&height=21&name=NEXT%20blue%20button%20without%20border.png) **Next.** TIP: You may, as many times as needed, use the ![NEXT blue button without border](https://help.themortgageoffice.com/hs-fs/hubfs/NEXT%20blue%20button%20without%20border.png?width=64&height=21&name=NEXT%20blue%20button%20without%20border.png) **Next** and ![BACK button](https://help.themortgageoffice.com/hs-fs/hubfs/BACK%20button.png?width=61&height=22&name=BACK%20button.png) **Back** navigation buttons to retrace your steps and make changes. - The next step, **Select Borrowers,** presents a list of borrowers based on the criteria and options you entered in the prior step. - At this point, you may accept the list as-is, or individually check or uncheck borrowers to be included or excluded from the notice. To **select** or **unselect** individual borrowers from the list, check the box ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) located at the left. NOTES:  - You won't be able to proceed to the next step unless **one** or **more** borrowers are selected. - You may use the **Select All** and **Clear All** hyperlinks near the bottom of the window to mass check or uncheck all borrowers on the list. - You may also select the **Export to Excel** hyperlink to automatically generate and download an excel report. - If you selected ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) **Exclude notices without changes** option in the prior step, then the selection box will be grayed out for all notices in which the rate or payment did not change. - Click ![NEXT blue button without border](https://help.themortgageoffice.com/hs-fs/hubfs/NEXT%20blue%20button%20without%20border.png?width=64&height=21&name=NEXT%20blue%20button%20without%20border.png) **Next.** - The notice's **Author Information** step allows you to customize the notices with the author's name, title, phone number, fax number and email address, as well as the notice's date and date-format to be used. NOTE: The author's information is **local** to your login and is **not shared** with other users of The Mortgage Office®. This enables you to **personalize** all letters sent by you, without having to reenter this information over-and-over again. - After updating the fields, click ![NEXT blue button without border](https://help.themortgageoffice.com/hs-fs/hubfs/NEXT%20blue%20button%20without%20border.png?width=64&height=21&name=NEXT%20blue%20button%20without%20border.png) **Next.** - On the **Print Notices** dialog screen, check ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) **Override delivery options and print statements for all selected loans** if you want to ignore the recipient's delivery preference and print a notice. TIP: Documents that are email-enabled will use each recipient's delivery preference to **determine** whether the document is emailed, printed and mailed or both. You can **override** this preference by selecting the option above. **For example:** even if many borrowers have elected to receive their monthly statements via email, you may want to print and send the year-end statements via regular U.S. mail. - ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) **Create Attachments.** Select this option to attach a copy of this notice to the borrower's file. Use the **Tab:** drop-down menu to specify which attachment tab to store the document under. To learn more, see [Attachments](https://help.themortgageoffice.com/knowledge/how-to-add-a-new-attachment?hsLang=en). - Select ![print](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/print.png?width=15&height=15&name=print.png) **Print Notices** to send the notice(s) to your printer. - Select ![PRINT REGISTER blue folded sheet, no border](https://help.themortgageoffice.com/hs-fs/hubfs/PRINT%20REGISTER%20blue%20folded%20sheet%2c%20no%20border.png?width=15&height=19&name=PRINT%20REGISTER%20blue%20folded%20sheet%2c%20no%20border.png) **Download PDF** to create and automatically download a PDF of the notice(s) to your computer's Downloads folder. - Select ![envelope-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/envelope-solid.png?width=15&height=15&name=envelope-solid.png) **Email Notices** to email the notice(s). - Click the ![BLUE mark as printed floppy disk button](https://help.themortgageoffice.com/hs-fs/hubfs/BLUE%20mark%20as%20printed%20floppy%20disk%20button.png?width=14&height=15&name=BLUE%20mark%20as%20printed%20floppy%20disk%20button.png) **Mark as Printed** button to update the notices once you have successfully printed the notice(s). 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