The purpose of this handbook is to provide guidance to BIA staff for processing leasehold and trust land mortgages on trust or restricted land; specifically, how to review and analyze a mortgage loan request from a lender using a minimum, streamlined, and standardized process. The handbook contains checklists, templates, and other documents to assist staff throughout this process. All references to “days” within this handbook are calendar days, not business days. Additionally, all references to “Agency” and “Region” within this handbook are to the applicable BIA Agency and/or Region. The following items will be addressed in more detail in the following pages: