The purpose of this Mortgagee Letter 2009-14 is to announce the new online HUD Handbooks 4155.1, Mortgage Credit Analysis for Mortgage Insurance, and 4155.2, Lender's Guide to Single Family Mortgage Insurance Processing. The online Handbook 4155.1 replaces Handbook 4155.1 REV-5, Mortgage Credit Analysis for Mortgage Insurance, One to Four Family Properties. The online Handbook 4155.2 replaces three handbooks: (1) 4000.2 REV-3, Mortgagees' Handbook, Application through Insurance; (2) 4000.4 REV-1, Single Family Direct Endorsement Program; and (3) 4165.1 REV-2, Endorsement for Insurance for Home Mortgage Programs (Single Family).