diff --git a/src/components/forms/letter-generator.tsx b/src/components/forms/letter-generator.tsx
index 88ffae8..3a9e027 100644
--- a/src/components/forms/letter-generator.tsx
+++ b/src/components/forms/letter-generator.tsx
@@ -16,19 +16,11 @@ import {
   type HomeownerLite,
   type FirmInfo,
 } from "@/lib/forms-shared";
+import { fillTokens, loadFormTemplate, type FormTemplateConfig } from "@/lib/form-templates";
 import { supabase } from "@/integrations/supabase/client";
 import { jsPDF } from "jspdf";
 import { toast } from "sonner";
 
-const DEFAULT_BODY = `Dear {{ownerName}},
-
-This letter is to inform you that…
-
-If you have any questions, please contact our office.
-
-Sincerely,
-{{firmName}}`;
-
 async function loadLogoDataUrl(path: string | null | undefined): Promise<string | null> {
   if (!path) return null;
   const { data: signed } = await supabase.storage.from("firm-logos").createSignedUrl(path, 60);
@@ -55,8 +47,9 @@ export function LetterGenerator() {
   const [logoDataUrl, setLogoDataUrl] = useState<string | null>(null);
   const [attorneyName, setAttorneyName] = useState("");
   const [subject, setSubject] = useState("");
-  const [body, setBody] = useState(DEFAULT_BODY);
+  const [body, setBody] = useState("");
   const [date, setDate] = useState(new Date().toISOString().slice(0, 10));
+  const [template, setTemplate] = useState<FormTemplateConfig | null>(null);
 
   useEffect(() => {
     fetchFirm().then(async (f) => {
@@ -64,6 +57,11 @@ export function LetterGenerator() {
       const url = await loadLogoDataUrl((f as any)?.logo_storage_path);
       setLogoDataUrl(url);
     });
+    loadFormTemplate("letter").then((t) => {
+      setTemplate(t);
+      // Seed the editable body with the template default on first load.
+      setBody((prev) => prev || t.body || "");
+    });
     supabase.auth.getUser().then(async ({ data }) => {
       const uid = data.user?.id;
       if (!uid) return;
@@ -80,12 +78,19 @@ export function LetterGenerator() {
   }, []);
 
   const handleExport = () => {
+    if (!template) return;
     const ctx = { client, homeowner, firmName: firm?.company_name ?? "" };
     const renderedBody = applyVariables(body, ctx);
     const renderedSubject = applyVariables(subject, ctx);
+
+    // Use the template's font / size / margin choices for the body.
+    const bodyFont = (template.font ?? "times") as "helvetica" | "times" | "courier";
+    const bodyFontSize = template.fontSizePt ?? 11;
+    const margin = template.marginPt ?? 60;
+    const lh = template.lineHeightPt ?? 14;
+
     const doc = new jsPDF({ unit: "pt", format: "letter" });
     const pageW = doc.internal.pageSize.getWidth();
-    const margin = 60;
     const maxW = pageW - margin * 2;
     const centerX = pageW / 2;
 
@@ -103,13 +108,13 @@ export function LetterGenerator() {
       }
     }
 
-    // Firm name (left) + Attorney name italic (right) on same line
+    // Firm name (left) + Attorney name italic (right)
     const firmName = (firm?.company_name ?? "").toUpperCase();
-    doc.setFont("times", "bold");
+    doc.setFont(bodyFont, "bold");
     doc.setFontSize(12);
     if (firmName) doc.text(firmName, margin, y);
     if (attorneyName) {
-      doc.setFont("times", "italic");
+      doc.setFont(bodyFont, "italic");
       doc.setFontSize(11);
       doc.text(attorneyName, pageW - margin, y, { align: "right" });
     }
@@ -126,47 +131,46 @@ export function LetterGenerator() {
     if (addr) contactParts.push(addr);
     if (firm?.contact_phone) contactParts.push(firm.contact_phone);
     if (firm?.contact_email) contactParts.push(firm.contact_email);
-    doc.setFont("times", "normal");
+    doc.setFont(bodyFont, "normal");
     doc.setFontSize(10);
     if (contactParts.length) {
       doc.text(contactParts.join("  \u00B7  "), centerX, y, { align: "center" });
       y += 8;
     }
 
-    // Horizontal rule
     doc.setLineWidth(0.75);
     doc.line(margin, y, pageW - margin, y);
     y += 28;
 
     // Centered bold date
-    doc.setFont("times", "bold");
+    doc.setFont(bodyFont, "bold");
     doc.setFontSize(11);
     doc.text(fmtDateLong(date), centerX, y, { align: "center" });
     y += 28;
 
     // Recipient block
-    doc.setFont("times", "normal");
-    doc.setFontSize(11);
+    doc.setFont(bodyFont, "normal");
+    doc.setFontSize(bodyFontSize);
     ownerMailingLines(homeowner).forEach((l) => {
       doc.text(l, margin, y);
-      y += 13;
+      y += lh - 1;
     });
     if (!homeowner && client) {
       doc.text(client.name, margin, y);
-      y += 13;
+      y += lh - 1;
       clientAddressLines(client).forEach((l) => {
         doc.text(l, margin, y);
-        y += 13;
+        y += lh - 1;
       });
     }
 
     y += 18;
     if (renderedSubject) {
-      doc.setFont("times", "bold");
+      doc.setFont(bodyFont, "bold");
       const subjLines = doc.splitTextToSize(`Re: ${renderedSubject}`, maxW);
       doc.text(subjLines, margin, y);
-      y += subjLines.length * 13 + 14;
-      doc.setFont("times", "normal");
+      y += subjLines.length * lh + 14;
+      doc.setFont(bodyFont, "normal");
     }
 
     const bodyLines = doc.splitTextToSize(renderedBody, maxW);
@@ -176,7 +180,25 @@ export function LetterGenerator() {
         y = 60;
       }
       doc.text(line, margin, y);
-      y += 14;
+      y += lh;
+    }
+
+    // Optional signature block from the template (admins can edit it).
+    if (template.signature) {
+      y += 18;
+      const sig = fillTokens(template.signature, {
+        "firm.name": firm?.company_name ?? "",
+        "owner.name": homeowner ? `${homeowner.first_name} ${homeowner.last_name}`.trim() : "",
+        "client.name": client?.name ?? "",
+      });
+      sig.split("\n").forEach((line) => {
+        if (y > 740) {
+          doc.addPage();
+          y = 60;
+        }
+        doc.text(line, margin, y);
+        y += lh;
+      });
     }
 
     doc.save(`Letter_${date}.pdf`);
@@ -228,11 +250,13 @@ export function LetterGenerator() {
             <p className="text-xs text-muted-foreground mt-1">
               Variables: <code>{"{{ownerName}}"}</code>, <code>{"{{clientName}}"}</code>,{" "}
               <code>{"{{propertyAddress}}"}</code>, <code>{"{{balance}}"}</code>,{" "}
-              <code>{"{{currentDate}}"}</code>, <code>{"{{firmName}}"}</code>
+              <code>{"{{currentDate}}"}</code>, <code>{"{{firmName}}"}</code>. The default body,
+              signature, fonts and margins are managed in{" "}
+              <strong>Settings → Form templates</strong>.
             </p>
           </div>
           <div className="flex justify-end">
-            <Button onClick={handleExport}>
+            <Button onClick={handleExport} disabled={!template}>
               <FileDown className="h-4 w-4 mr-2" />
               Export PDF
             </Button>