diff --git a/src/lib/form-templates.ts b/src/lib/form-templates.ts
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+++ b/src/lib/form-templates.ts
@@ -0,0 +1,390 @@
+// Shared template definitions for the built-in legal forms (NOLA, ITL, ITF, Estoppel, Letter).
+// Each template is stored in the `form_settings` table (one row per form_key) so admins
+// can edit titles, body text, fonts, margins, line-item labels, signature blocks, etc.,
+// without code changes.
+
+import { supabase } from "@/integrations/supabase/client";
+import { jsPDF } from "jspdf";
+import { fmtCurrency, fmtDateLong } from "./forms-shared";
+
+export type FormKey = "nola" | "itl" | "itf" | "estoppel" | "letter";
+
+/** Visual + content config for a single form template. All fields are optional with sensible defaults. */
+export interface FormTemplateConfig {
+  /** Centered title printed near the top of the document (after the recipient block). */
+  title?: string;
+  /** Main body paragraph(s). Supports `\n\n` for paragraph breaks and merge tokens like {{client.name}}. */
+  body?: string;
+  /** Closing/signature paragraph printed after the totals or body. */
+  closing?: string;
+  /** Multi-line signature block (e.g. "Sincerely,\n\n{{firm.name}}"). */
+  signature?: string;
+  /** Font family used for the whole document. jsPDF builtins: helvetica | times | courier. */
+  font?: "helvetica" | "times" | "courier";
+  /** Body font size in points. */
+  fontSizePt?: number;
+  /** Title font size in points. */
+  titleFontSizePt?: number;
+  /** Page margin in points (1 inch = 72 pt). Default 54 (0.75"). */
+  marginPt?: number;
+  /** Line height in points for body text. */
+  lineHeightPt?: number;
+  /** Default line items shown on the form (NOLA only by default but reusable). */
+  defaultLineItems?: { description: string; amount: string }[];
+  /** Labels for the fixed itemized rows used by ITL/ITF/Estoppel. */
+  itemLabels?: {
+    assessments?: string;
+    interest?: string;
+    lateFees?: string;
+    adminFees?: string;
+    lessPayments?: string;
+    totalDue?: string;
+  };
+  /** Show the "U.S. Certified Mail #" line when a number is provided. */
+  showCertifiedMail?: boolean;
+  /** Header label for the certified-mail line. */
+  certifiedMailLabel?: string;
+}
+
+export const FORM_LABELS: Record<FormKey, string> = {
+  nola: "Notice of Late Assessment (NOLA)",
+  itl: "Notice of Intent to Lien (ITL)",
+  itf: "Notice of Intent to Foreclose (ITF)",
+  estoppel: "Estoppel Certificate",
+  letter: "Letter",
+};
+
+export const DEFAULT_TEMPLATES: Record<FormKey, FormTemplateConfig> = {
+  nola: {
+    title: "NOTICE OF LATE ASSESSMENT",
+    body:
+      "This letter serves as formal notice that your account with {{client.name}} is delinquent. " +
+      "The amounts owed as of {{date}} are itemized below. Payment in full must be received on or " +
+      "before {{dueDate}} to avoid further collection action, including the filing of a Notice of " +
+      "Intent to Lien.",
+    closing: "",
+    signature: "Sincerely,\n\n{{firm.name}}",
+    font: "helvetica",
+    fontSizePt: 10,
+    titleFontSizePt: 13,
+    marginPt: 54,
+    lineHeightPt: 13,
+    defaultLineItems: [
+      { description: "Assessments", amount: "0.00" },
+      { description: "Late Fees", amount: "0.00" },
+      { description: "Interest", amount: "0.00" },
+    ],
+    showCertifiedMail: true,
+    certifiedMailLabel: "U.S. Certified Mail #",
+  },
+  itl: {
+    title: "NOTICE OF INTENT TO RECORD A CLAIM OF LIEN",
+    body:
+      "Pursuant to the governing documents of {{client.name}} and applicable Florida law, you are " +
+      "hereby notified that the following amounts are past due in connection with the property " +
+      "identified above.\n\nUnless payment in full of the total amount stated below is received on " +
+      "or before {{dueDate}} (forty-five (45) days from the date of this letter), a Claim of Lien " +
+      "will be recorded against the subject property and additional collection costs and " +
+      "attorneys' fees will be incurred for which you may be responsible.",
+    closing:
+      "Payment must be made payable to {{client.name}} and remitted to the address shown above. " +
+      "If you have any questions regarding this notice, please contact our office.",
+    signature: "Sincerely,\n\n{{firm.name}}",
+    font: "helvetica",
+    fontSizePt: 10,
+    titleFontSizePt: 12,
+    marginPt: 54,
+    lineHeightPt: 13,
+    itemLabels: {
+      assessments: "Assessments",
+      interest: "Interest",
+      lateFees: "Late Fees",
+      adminFees: "Admin / Legal Fees",
+      lessPayments: "Less Payments",
+      totalDue: "TOTAL DUE",
+    },
+    showCertifiedMail: true,
+    certifiedMailLabel: "U.S. Certified Mail #",
+  },
+  itf: {
+    title: "NOTICE OF INTENT TO FORECLOSE CLAIM OF LIEN",
+    body:
+      "Pursuant to the governing documents of {{client.name}} and applicable Florida law, you are " +
+      "hereby notified that the assessments and other amounts secured by the previously recorded " +
+      "Claim of Lien against the property identified above remain past due and unpaid.{{lienRef}}" +
+      "\n\nUnless payment in full of the total amount stated below is received on or before " +
+      "{{dueDate}} (forty-five (45) days from the date of this letter), the Association will " +
+      "proceed with the filing of a foreclosure action on its Claim of Lien. Additional " +
+      "collection costs and attorneys' fees will be incurred for which you may be responsible, " +
+      "and your interest in the property may be sold at public sale.",
+    closing:
+      "Payment must be made payable to {{client.name}} and remitted to the address shown above. " +
+      "If you have any questions regarding this notice, please contact our office immediately to " +
+      "avoid the filing of a foreclosure action.",
+    signature: "Sincerely,\n\n{{firm.name}}",
+    font: "helvetica",
+    fontSizePt: 10,
+    titleFontSizePt: 12,
+    marginPt: 54,
+    lineHeightPt: 13,
+    itemLabels: {
+      assessments: "Assessments",
+      interest: "Interest",
+      lateFees: "Late Fees",
+      adminFees: "Admin / Legal Fees",
+      lessPayments: "Less Payments",
+      totalDue: "TOTAL DUE",
+    },
+    showCertifiedMail: true,
+    certifiedMailLabel: "U.S. Certified Mail #",
+  },
+  estoppel: {
+    title: "ESTOPPEL CERTIFICATE",
+    body: "",
+    closing: "",
+    signature: "Sincerely,\n\n{{firm.name}}",
+    font: "helvetica",
+    fontSizePt: 10,
+    titleFontSizePt: 16,
+    marginPt: 54,
+    lineHeightPt: 13,
+    itemLabels: {
+      totalDue: "GRAND TOTAL DUE AT CLOSING",
+    },
+  },
+  letter: {
+    title: "",
+    body: "Dear {{owner.name}},\n\nThis letter is to inform you that…\n\nIf you have any questions, please contact our office.",
+    closing: "",
+    signature: "Sincerely,\n\n{{firm.name}}",
+    font: "times",
+    fontSizePt: 11,
+    titleFontSizePt: 11,
+    marginPt: 60,
+    lineHeightPt: 14,
+  },
+};
+
+/** Replace {{token}} placeholders. Unknown tokens become empty strings. */
+export function fillTokens(text: string, tokens: Record<string, string | number | undefined>): string {
+  if (!text) return "";
+  return text.replace(/\{\{\s*([a-zA-Z0-9_.]+)\s*\}\}/g, (_, k: string) => {
+    const v = tokens[k];
+    if (v === undefined || v === null) return "";
+    return String(v);
+  });
+}
+
+/** Load the saved template for a form, merged with defaults so missing fields fall back gracefully. */
+export async function loadFormTemplate(key: FormKey): Promise<FormTemplateConfig> {
+  const { data } = await supabase
+    .from("form_settings")
+    .select("config")
+    .eq("form_key", key)
+    .maybeSingle();
+  const stored = (data?.config ?? {}) as FormTemplateConfig;
+  return { ...DEFAULT_TEMPLATES[key], ...stored, itemLabels: { ...DEFAULT_TEMPLATES[key].itemLabels, ...stored.itemLabels } };
+}
+
+export async function saveFormTemplate(key: FormKey, config: FormTemplateConfig, userId?: string | null) {
+  const { data: existing } = await supabase
+    .from("form_settings")
+    .select("id")
+    .eq("form_key", key)
+    .maybeSingle();
+  if (existing?.id) {
+    const { error } = await supabase
+      .from("form_settings")
+      .update({ config: config as any, updated_by: userId ?? null })
+      .eq("id", existing.id);
+    if (error) throw error;
+  } else {
+    const { error } = await supabase
+      .from("form_settings")
+      .insert({ form_key: key, config: config as any, updated_by: userId ?? null });
+    if (error) throw error;
+  }
+}
+
+// ---------- Generic letter-style PDF renderer ----------
+// Used by NOLA / ITL / ITF / Letter so admins can change titles, body, fonts, margins
+// from one place. The Estoppel form has a unique multi-section layout and stays separate.
+
+export interface LetterRenderInput {
+  template: FormTemplateConfig;
+  // Top-left return-address block lines (e.g. firm/client header).
+  returnAddress: string[];
+  // Top-right line — typically the long-form date.
+  topRightLine?: string;
+  // Recipient block on the left.
+  recipient: string[];
+  // Optional certified mail / tracking number printed right-aligned beneath the recipient.
+  certifiedMailNumber?: string;
+  // Token map for {{...}} substitution in body / closing / signature.
+  tokens: Record<string, string | number | undefined>;
+  // Optional itemized rows printed before the closing paragraph.
+  items?: { description: string; amount: number | string }[];
+  // Optional total row printed under the items.
+  total?: { label: string; amount: number };
+  // Filename to save (without .pdf).
+  filename: string;
+}
+
+export function renderLetterPdf(input: LetterRenderInput): jsPDF {
+  const t = input.template;
+  const font = t.font ?? "helvetica";
+  const fontSize = t.fontSizePt ?? 10;
+  const titleSize = t.titleFontSizePt ?? 13;
+  const margin = t.marginPt ?? 54;
+  const lh = t.lineHeightPt ?? 13;
+
+  const doc = new jsPDF({ unit: "pt", format: "letter" });
+  const pageW = doc.internal.pageSize.getWidth();
+  const pageH = doc.internal.pageSize.getHeight();
+  const maxW = pageW - margin * 2;
+
+  const ensureSpace = (needed: number, y: number) => {
+    if (y + needed > pageH - margin) {
+      doc.addPage();
+      return margin;
+    }
+    return y;
+  };
+
+  let y = margin + 6;
+
+  // Return address (top-left)
+  doc.setFont(font, "normal");
+  doc.setFontSize(fontSize);
+  input.returnAddress.forEach((line) => {
+    doc.text(line, margin, y);
+    y += lh - 1;
+  });
+
+  // Top-right date
+  if (input.topRightLine) {
+    doc.setFont(font, "bold");
+    doc.text(input.topRightLine, pageW - margin - doc.getTextWidth(input.topRightLine), margin + 6);
+    doc.setFont(font, "normal");
+  }
+
+  // Recipient
+  y = Math.max(y + 24, margin + 110);
+  input.recipient.forEach((line) => {
+    doc.text(line, margin, y);
+    y += lh - 1;
+  });
+
+  // Certified mail line
+  if (t.showCertifiedMail !== false && input.certifiedMailNumber) {
+    doc.setFont(font, "bolditalic");
+    const txt = `${t.certifiedMailLabel ?? "U.S. Certified Mail #"} ${input.certifiedMailNumber}`;
+    doc.text(txt, pageW - margin - doc.getTextWidth(txt), y);
+    doc.setFont(font, "normal");
+    y += lh + 2;
+  }
+
+  // Title
+  if (t.title) {
+    y += 24;
+    doc.setFont(font, "bold");
+    doc.setFontSize(titleSize);
+    const title = fillTokens(t.title, input.tokens);
+    doc.text(title, (pageW - doc.getTextWidth(title)) / 2, y);
+    y += titleSize + 12;
+    doc.setFont(font, "normal");
+    doc.setFontSize(fontSize);
+  }
+
+  // Body
+  if (t.body) {
+    const body = fillTokens(t.body, input.tokens);
+    body.split("\n\n").forEach((para) => {
+      const lines = doc.splitTextToSize(para, maxW);
+      y = ensureSpace(lines.length * lh, y);
+      doc.text(lines, margin, y);
+      y += lines.length * lh + 6;
+    });
+    y += 6;
+  }
+
+  // Items table
+  if (input.items && input.items.length > 0) {
+    y = ensureSpace(60, y);
+    doc.setFont(font, "bold");
+    doc.text("Description", margin, y);
+    doc.text("Amount", pageW - margin - 60, y);
+    y += 6;
+    doc.line(margin, y, pageW - margin, y);
+    y += lh;
+    doc.setFont(font, "normal");
+    input.items.forEach((it) => {
+      y = ensureSpace(lh, y);
+      doc.text(it.description || "—", margin, y);
+      const amtStr = `$${fmtCurrency(it.amount)}`;
+      doc.text(amtStr, pageW - margin - doc.getTextWidth(amtStr), y);
+      y += lh;
+    });
+    y += 4;
+    doc.line(margin, y, pageW - margin, y);
+    y += lh + 2;
+    if (input.total) {
+      doc.setFont(font, "bold");
+      doc.text(input.total.label, margin, y);
+      const totalTxt = `$${fmtCurrency(input.total.amount)}`;
+      doc.text(totalTxt, pageW - margin - doc.getTextWidth(totalTxt), y);
+      doc.setFont(font, "normal");
+      y += lh + 14;
+    }
+  }
+
+  // Closing paragraph
+  if (t.closing) {
+    const closing = fillTokens(t.closing, input.tokens);
+    closing.split("\n\n").forEach((para) => {
+      const lines = doc.splitTextToSize(para, maxW);
+      y = ensureSpace(lines.length * lh, y);
+      doc.text(lines, margin, y);
+      y += lines.length * lh + 6;
+    });
+  }
+
+  // Signature
+  if (t.signature) {
+    y += 12;
+    const sig = fillTokens(t.signature, input.tokens);
+    sig.split("\n").forEach((line) => {
+      y = ensureSpace(lh, y);
+      doc.text(line, margin, y);
+      y += lh;
+    });
+  }
+
+  return doc;
+}
+
+/** Common token map builder used by the form components. */
+export function buildLetterTokens(opts: {
+  clientName?: string;
+  ownerName?: string;
+  firmName?: string;
+  date?: string; // ISO yyyy-mm-dd
+  dueDate?: string; // ISO yyyy-mm-dd
+  total?: number;
+  extra?: Record<string, string | number | undefined>;
+}): Record<string, string | number> {
+  const base: Record<string, string | number> = {
+    "client.name": opts.clientName ?? "",
+    "owner.name": opts.ownerName ?? "",
+    "firm.name": opts.firmName ?? "",
+    date: opts.date ? fmtDateLong(opts.date) : "",
+    dueDate: opts.dueDate ? fmtDateLong(opts.dueDate) : "",
+    total: opts.total !== undefined ? `$${fmtCurrency(opts.total)}` : "",
+  };
+  if (opts.extra) {
+    for (const [k, v] of Object.entries(opts.extra)) {
+      if (v !== undefined && v !== null) base[k] = v as string | number;
+    }
+  }
+  return base;
+}