diff --git a/src/components/forms/estoppel-form.tsx b/src/components/forms/estoppel-form.tsx
index 7061c6b..a2c7d62 100644
--- a/src/components/forms/estoppel-form.tsx
+++ b/src/components/forms/estoppel-form.tsx
@@ -135,11 +135,11 @@ export function EstoppelForm() {
       doc.text(`c/o ${firm.company_name}`, margin, y);
       y += 12;
     }
-    doc.setFont("helvetica", "bold");
+    doc.setFont(font, "bold");
     doc.text(fmtDateLong(date), pageW - margin - doc.getTextWidth(fmtDateLong(date)), 60);
 
     y += 16;
-    doc.setFont("helvetica", "normal");
+    doc.setFont(font, "normal");
     const recipientLines = [
       `TO: ${recipientName}`,
       ...recipientAddress.split("\n").filter(Boolean),
@@ -158,24 +158,24 @@ export function EstoppelForm() {
     ];
     meta.forEach(([k, v]) => {
       if (!v) return;
-      doc.setFont("helvetica", "bold");
+      doc.setFont(font, "bold");
       doc.text(k, margin, y);
-      doc.setFont("helvetica", "normal");
+      doc.setFont(font, "normal");
       doc.text(v, margin + 110, y);
       y += 13;
     });
     if (legalDescription) {
-      doc.setFont("helvetica", "bold");
+      doc.setFont(font, "bold");
       doc.text("Legal Description:", margin, y);
       y += 13;
-      doc.setFont("helvetica", "normal");
+      doc.setFont(font, "normal");
       const ll = doc.splitTextToSize(legalDescription, pageW - margin * 2);
       doc.text(ll, margin, y);
       y += ll.length * 13;
     }
 
     y += 10;
-    doc.setFont("helvetica", "bold");
+    doc.setFont(font, "bold");
     doc.setFontSize(11);
     doc.text("FINANCIAL SUMMARY", margin, y);
     y += 16;
@@ -187,7 +187,7 @@ export function EstoppelForm() {
       ["Delinquency Fee", parseFloat(delinquencyFee) || 0],
       ["Estoppel Certificate Fee", parseFloat(estoppelFee) || 0],
     ];
-    doc.setFont("helvetica", "normal");
+    doc.setFont(font, "normal");
     finRows.forEach(([d, a]) => {
       doc.text(d, margin, y);
       const t = `$${fmtCurrency(a)}`;
@@ -197,17 +197,17 @@ export function EstoppelForm() {
     y += 4;
     doc.line(margin, y, pageW - margin, y);
     y += 16;
-    doc.setFont("helvetica", "bold");
+    doc.setFont(font, "bold");
     doc.text("GRAND TOTAL DUE AT CLOSING", margin, y);
     const gt = `$${fmtCurrency(grandTotal)}`;
     doc.text(gt, pageW - margin - doc.getTextWidth(gt), y);
     y += 26;
 
     // Q10 payoff
-    doc.setFont("helvetica", "bold");
+    doc.setFont(font, "bold");
     doc.text("CURRENT PAYOFF (delinquency)", margin, y);
     y += 16;
-    doc.setFont("helvetica", "normal");
+    doc.setFont(font, "normal");
     const payoffRows: [string, number][] = [
       ["Unpaid Assessments", parseFloat(q10Unpaid) || 0],
       ["Interest", parseFloat(q10Interest) || 0],
@@ -224,17 +224,17 @@ export function EstoppelForm() {
     y += 4;
     doc.line(margin, y, pageW - margin, y);
     y += 16;
-    doc.setFont("helvetica", "bold");
+    doc.setFont(font, "bold");
     doc.text("PAYOFF SUBTOTAL", margin, y);
     const ps = `$${fmtCurrency(q10Sub)}`;
     doc.text(ps, pageW - margin - doc.getTextWidth(ps), y);
     y += 26;
 
     // Questionnaire
-    doc.setFont("helvetica", "bold");
+    doc.setFont(font, "bold");
     doc.text("QUESTIONNAIRE", margin, y);
     y += 16;
-    doc.setFont("helvetica", "normal");
+    doc.setFont(font, "normal");
     const qa: [string, string][] = [
       ["Account in collections?", q1],
       ["Capital contribution due?", q4],
@@ -250,18 +250,18 @@ export function EstoppelForm() {
         y = 60;
       }
       doc.text(q, margin, y);
-      doc.setFont("helvetica", "bold");
+      doc.setFont(font, "bold");
       doc.text(a.toUpperCase(), pageW - margin - 30, y);
-      doc.setFont("helvetica", "normal");
+      doc.setFont(font, "normal");
       y += 14;
     });
 
     if (additionalInfo) {
       y += 10;
-      doc.setFont("helvetica", "bold");
+      doc.setFont(font, "bold");
       doc.text("Additional Information:", margin, y);
       y += 14;
-      doc.setFont("helvetica", "normal");
+      doc.setFont(font, "normal");
       const al = doc.splitTextToSize(additionalInfo, pageW - margin * 2);
       doc.text(al, margin, y);
     }
diff --git a/src/routes/settings.form-templates.tsx b/src/routes/settings.form-templates.tsx
new file mode 100644
index 0000000..c80a139
--- /dev/null
+++ b/src/routes/settings.form-templates.tsx
@@ -0,0 +1,297 @@
+import { createFileRoute, redirect } from "@tanstack/react-router";
+import { useEffect, useState } from "react";
+import { useAuth } from "@/lib/auth";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import { Textarea } from "@/components/ui/textarea";
+import { Select, SelectContent, SelectItem, SelectTrigger, SelectValue } from "@/components/ui/select";
+import { Tabs, TabsList, TabsTrigger, TabsContent } from "@/components/ui/tabs";
+import { Loader2, RotateCcw, Save } from "lucide-react";
+import { toast } from "sonner";
+import {
+  DEFAULT_TEMPLATES,
+  FORM_LABELS,
+  loadFormTemplate,
+  saveFormTemplate,
+  type FormKey,
+  type FormTemplateConfig,
+} from "@/lib/form-templates";
+
+export const Route = createFileRoute("/settings/form-templates")({
+  component: FormTemplatesPage,
+});
+
+const KEYS: FormKey[] = ["nola", "itl", "itf", "estoppel", "letter"];
+
+function FormTemplatesPage() {
+  const { isAdmin, user, loading: authLoading } = useAuth();
+  const [tab, setTab] = useState<FormKey>("nola");
+
+  if (!authLoading && !isAdmin) {
+    throw redirect({ to: "/settings" });
+  }
+
+  return (
+    <div className="space-y-4">
+      <div>
+        <h2 className="text-lg font-semibold">Form templates</h2>
+        <p className="text-sm text-muted-foreground">
+          Edit the title, body text, fonts, margins, item labels and signature block used by each
+          built-in form. Changes apply the next time anyone generates a PDF for that form.
+        </p>
+      </div>
+      <Tabs value={tab} onValueChange={(v) => setTab(v as FormKey)}>
+        <TabsList className="flex-wrap h-auto">
+          {KEYS.map((k) => (
+            <TabsTrigger key={k} value={k}>
+              {FORM_LABELS[k]}
+            </TabsTrigger>
+          ))}
+        </TabsList>
+        {KEYS.map((k) => (
+          <TabsContent key={k} value={k} className="mt-4">
+            <TemplateEditor formKey={k} userId={user?.id ?? null} />
+          </TabsContent>
+        ))}
+      </Tabs>
+    </div>
+  );
+}
+
+function TemplateEditor({ formKey, userId }: { formKey: FormKey; userId: string | null }) {
+  const [config, setConfig] = useState<FormTemplateConfig | null>(null);
+  const [saving, setSaving] = useState(false);
+
+  useEffect(() => {
+    setConfig(null);
+    loadFormTemplate(formKey).then(setConfig);
+  }, [formKey]);
+
+  if (!config) {
+    return (
+      <div className="flex items-center gap-2 text-sm text-muted-foreground py-8">
+        <Loader2 className="h-4 w-4 animate-spin" /> Loading template…
+      </div>
+    );
+  }
+
+  const update = <K extends keyof FormTemplateConfig>(key: K, value: FormTemplateConfig[K]) =>
+    setConfig({ ...config, [key]: value });
+
+  const updateLabel = (
+    key: keyof NonNullable<FormTemplateConfig["itemLabels"]>,
+    value: string,
+  ) => setConfig({ ...config, itemLabels: { ...(config.itemLabels ?? {}), [key]: value } });
+
+  const handleSave = async () => {
+    setSaving(true);
+    try {
+      await saveFormTemplate(formKey, config, userId);
+      toast.success("Template saved");
+    } catch (e: any) {
+      toast.error(e.message ?? "Save failed");
+    } finally {
+      setSaving(false);
+    }
+  };
+
+  const handleReset = () => {
+    if (!confirm("Reset this template to the built-in defaults? Unsaved changes will be lost.")) return;
+    setConfig({ ...DEFAULT_TEMPLATES[formKey] });
+  };
+
+  const showItemLabels = ["itl", "itf", "estoppel"].includes(formKey);
+  const showDefaultLineItems = formKey === "nola";
+
+  return (
+    <Card>
+      <CardContent className="p-5 space-y-5">
+        <div className="grid grid-cols-1 md:grid-cols-2 gap-4">
+          <div className="space-y-1.5">
+            <Label>Title (centered, top of document)</Label>
+            <Input
+              value={config.title ?? ""}
+              onChange={(e) => update("title", e.target.value)}
+              placeholder="e.g. NOTICE OF LATE ASSESSMENT"
+            />
+          </div>
+          <div className="space-y-1.5">
+            <Label>Certified mail label</Label>
+            <Input
+              value={config.certifiedMailLabel ?? ""}
+              onChange={(e) => update("certifiedMailLabel", e.target.value)}
+              placeholder="U.S. Certified Mail #"
+            />
+          </div>
+        </div>
+
+        <div className="space-y-1.5">
+          <Label>Body</Label>
+          <Textarea
+            rows={8}
+            value={config.body ?? ""}
+            onChange={(e) => update("body", e.target.value)}
+            className="font-mono text-sm"
+          />
+          <p className="text-[11px] text-muted-foreground">
+            Tokens: <code>{`{{client.name}}`}</code>, <code>{`{{owner.name}}`}</code>,{" "}
+            <code>{`{{firm.name}}`}</code>, <code>{`{{date}}`}</code>,{" "}
+            <code>{`{{dueDate}}`}</code>, <code>{`{{total}}`}</code>
+            {formKey === "itf" && <> , <code>{`{{lienRef}}`}</code></>}. Use a blank line to start a
+            new paragraph.
+          </p>
+        </div>
+
+        <div className="space-y-1.5">
+          <Label>Closing paragraph</Label>
+          <Textarea
+            rows={4}
+            value={config.closing ?? ""}
+            onChange={(e) => update("closing", e.target.value)}
+            className="font-mono text-sm"
+          />
+        </div>
+
+        <div className="space-y-1.5">
+          <Label>Signature block</Label>
+          <Textarea
+            rows={4}
+            value={config.signature ?? ""}
+            onChange={(e) => update("signature", e.target.value)}
+            className="font-mono text-sm"
+            placeholder="Sincerely,&#10;&#10;{{firm.name}}"
+          />
+        </div>
+
+        <div className="grid grid-cols-2 md:grid-cols-5 gap-3">
+          <div className="space-y-1.5">
+            <Label className="text-xs">Font</Label>
+            <Select value={config.font ?? "helvetica"} onValueChange={(v) => update("font", v as any)}>
+              <SelectTrigger><SelectValue /></SelectTrigger>
+              <SelectContent>
+                <SelectItem value="helvetica">Helvetica</SelectItem>
+                <SelectItem value="times">Times</SelectItem>
+                <SelectItem value="courier">Courier</SelectItem>
+              </SelectContent>
+            </Select>
+          </div>
+          <div className="space-y-1.5">
+            <Label className="text-xs">Body size (pt)</Label>
+            <Input
+              type="number"
+              value={config.fontSizePt ?? 10}
+              onChange={(e) => update("fontSizePt", Number(e.target.value) || 10)}
+            />
+          </div>
+          <div className="space-y-1.5">
+            <Label className="text-xs">Title size (pt)</Label>
+            <Input
+              type="number"
+              value={config.titleFontSizePt ?? 13}
+              onChange={(e) => update("titleFontSizePt", Number(e.target.value) || 13)}
+            />
+          </div>
+          <div className="space-y-1.5">
+            <Label className="text-xs">Margin (pt)</Label>
+            <Input
+              type="number"
+              value={config.marginPt ?? 54}
+              onChange={(e) => update("marginPt", Number(e.target.value) || 54)}
+            />
+          </div>
+          <div className="space-y-1.5">
+            <Label className="text-xs">Line height (pt)</Label>
+            <Input
+              type="number"
+              value={config.lineHeightPt ?? 13}
+              onChange={(e) => update("lineHeightPt", Number(e.target.value) || 13)}
+            />
+          </div>
+        </div>
+
+        {showItemLabels && (
+          <div className="space-y-2">
+            <Label className="text-xs uppercase tracking-wider text-muted-foreground">
+              Itemized row labels
+            </Label>
+            <div className="grid grid-cols-2 md:grid-cols-3 gap-3">
+              {(["assessments", "interest", "lateFees", "adminFees", "lessPayments", "totalDue"] as const).map(
+                (k) => (
+                  <div key={k} className="space-y-1.5">
+                    <Label className="text-xs capitalize">{k.replace(/([A-Z])/g, " $1")}</Label>
+                    <Input
+                      value={config.itemLabels?.[k] ?? ""}
+                      onChange={(e) => updateLabel(k, e.target.value)}
+                    />
+                  </div>
+                ),
+              )}
+            </div>
+          </div>
+        )}
+
+        {showDefaultLineItems && (
+          <div className="space-y-2">
+            <Label className="text-xs uppercase tracking-wider text-muted-foreground">
+              Default line items (pre-filled when opening this form)
+            </Label>
+            {(config.defaultLineItems ?? []).map((it, i) => (
+              <div key={i} className="grid grid-cols-[1fr_140px_auto] gap-2 items-center">
+                <Input
+                  value={it.description}
+                  onChange={(e) => {
+                    const next = [...(config.defaultLineItems ?? [])];
+                    next[i] = { ...next[i], description: e.target.value };
+                    update("defaultLineItems", next);
+                  }}
+                />
+                <Input
+                  value={it.amount}
+                  onChange={(e) => {
+                    const next = [...(config.defaultLineItems ?? [])];
+                    next[i] = { ...next[i], amount: e.target.value };
+                    update("defaultLineItems", next);
+                  }}
+                />
+                <Button
+                  size="sm"
+                  variant="ghost"
+                  onClick={() => {
+                    const next = (config.defaultLineItems ?? []).filter((_, idx) => idx !== i);
+                    update("defaultLineItems", next);
+                  }}
+                >
+                  Remove
+                </Button>
+              </div>
+            ))}
+            <Button
+              size="sm"
+              variant="outline"
+              onClick={() =>
+                update("defaultLineItems", [
+                  ...(config.defaultLineItems ?? []),
+                  { description: "", amount: "0.00" },
+                ])
+              }
+            >
+              Add line item
+            </Button>
+          </div>
+        )}
+
+        <div className="flex items-center justify-between pt-2 border-t">
+          <Button variant="outline" onClick={handleReset}>
+            <RotateCcw className="h-4 w-4 mr-2" /> Reset to defaults
+          </Button>
+          <Button onClick={handleSave} disabled={saving}>
+            {saving ? <Loader2 className="h-4 w-4 mr-2 animate-spin" /> : <Save className="h-4 w-4 mr-2" />}
+            Save template
+          </Button>
+        </div>
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/src/routes/settings.tsx b/src/routes/settings.tsx
index d272b66..e476165 100644
--- a/src/routes/settings.tsx
+++ b/src/routes/settings.tsx
@@ -14,6 +14,7 @@ const TABS = [
   { to: "/settings", label: "Company", exact: true },
   { to: "/settings/fees", label: "Fee schedule" },
   { to: "/settings/custom-fields", label: "Custom case fields" },
+  { to: "/settings/form-templates", label: "Form templates" },
   { to: "/settings/workflow", label: "Collections workflow" },
   { to: "/settings/workflows", label: "Task workflows" },
   { to: "/settings/smtp", label: "Email (SMTP)" },