ok, you asked for it <cringe>!
i'm not giving you the whole code past opening the 1st file, cuz it's
ridiculously long & repetitive.  & yes, it looks like it might be the
"private" sub issue.
(of course, so is this, but you asked for it).

xxxxxxxxxxxxxxxxxxxxxxxxx
Option Explicit

Private Sub cmdClose_Click()
 Unload Me
End Sub

Private Sub cmdNext_Click()

   If txtYear.Value = "" Then
   MsgBox "You haven't entered the year!" _
       , vbOKOnly + vbCritical
       txtYear.SetFocus
       Exit Sub
   End If

   If txtCounty.Value = "" Then
   MsgBox "You haven't entered the county!" _
       , vbOKOnly + vbCritical
       txtCounty.SetFocus
       Exit Sub
   End If

   If txt1stName.Value = "" Then
   MsgBox "You haven't entered the client's first name!" _
       , vbOKOnly + vbCritical
       txt1stName.SetFocus
       Exit Sub
   End If

   If txt2ndName.Value = "" Then
   MsgBox "You haven't entered the client's last name!" _
       , vbOKOnly + vbCritical
       txt2ndName.SetFocus
       Exit Sub
   End If

   If txtAddress.Value = "" Then
   MsgBox "You haven't entered the address!" _
       , vbOKOnly + vbCritical
       txtAddress.SetFocus
       Exit Sub
   End If

   If txtTown.Value = "" Then
   MsgBox "You haven't entered the town!" _
       , vbOKOnly + vbCritical
       txtTown.SetFocus
       Exit Sub
   End If

   If txtRecord.Value = "" Then
   MsgBox "You haven't entered the deed recording date!" _
       , vbOKOnly + vbCritical
       txtRecord.SetFocus
       Exit Sub
   End If

   If txtBook.Value = "" Then
   MsgBox "You haven't entered the deed book number!" _
       , vbOKOnly + vbCritical
       txtBook.SetFocus
       Exit Sub
   End If

   If txtPage.Value = "" Then
   MsgBox "You haven't entered the deed page/instrument number!" _
       , vbOKOnly + vbCritical
       txtPage.SetFocus
       Exit Sub
   Else
   Me.MultiPage1("pgChoose").Enabled = True
   Me.MultiPage1.Value = 1
   Me.MultiPage1("pgChoose").chkLCHOME.SetFocus
   End If

End Sub

Private Sub frmGenerateMortgages_Initialize()

Dim chkAHC As Control
Dim chkNCHC As Control
Dim chkLCHOME As Control
Dim chkHPG As Control
Dim iNCHCAmt As Integer
Dim iLCHOMEAmt As Integer
Dim iHPGAmt As Integer
Dim iYear As Integer
Dim sCounty As String
Dim sName1 As String
Dim sName2 As String
Dim sAddress As String
Dim sTown As String
Dim sVillage As String
Dim dRecord As Date
Dim iBook As Integer
Dim iPage As Integer
Dim sMtg1 As String
Dim sMtg2 As String
Dim blnFirst As Boolean

txtYear.Value = ""
txtCounty.Value = ""
txt1stName.Value = ""
txt2ndName.Value = ""
txtAddress.Value = ""
txtTown.Value = ""
txtVillage.Value = ""
txtRecord.Value = ""
txtBook.Value = ""
txtPage.Value = ""
txtMtg1.Value = ""
txtMtg2.Value = ""
txtSection.Value = ""
txtBlock.Value = ""
txtLot.Value = ""

   With cboYears
       .AddItem "Two"
       .AddItem "Five"
       .AddItem "Ten"
   End With

cboYears.Value = ""

   With Me
   MultiPage1.Value = 0
   txtYear.SetFocus
   End With

End Sub

Private Sub cmdGenerate_Click()

Dim chkAHC As Control
Dim chkNCHC As Control
Dim chkLCHOME As Control
Dim chkHPG As Control
Dim iNCHCAmt As Integer
Dim iLCHOMEAmt As Integer
Dim iHPGAmt As Integer
Dim iYear As Integer
Dim sCounty As String
Dim sName1 As String
Dim sName2 As String
Dim sAddress As String
Dim sTown As String
Dim sVillage As String
Dim dRecord As Date
Dim iBook As Integer
Dim iPage As Integer
Dim sMtg1 As String
Dim sMtg2 As String
Dim blnFirst As Boolean

With Me
   If .chkAHC.Value = True And blnFirst = True Then
      blnFirst = False
      .MultiPage1("pgAdditional").Enabled = True
      .MultiPage1.Value = 2
      .MultiPage1("pgAdditional").txtSection.SetFocus
            With cboYears
               .AddItem "Two"
               .AddItem "Five"
               .AddItem "Ten"
           End With

           cboYears.Value = ""
      MsgBox "Please fill in additional AHC information", _
           vbOKOnly + vbInformation
      Exit Sub
   End If

       If blnFirst = False Then

           If .chkNCHC.Value = True Then
               ChangeFileOpenDirectory _
                   "\\Server\susan\My Documents\Note & Mortgages\"
               Documents.Open FileName:="""DANC Snowbelt Gt &
Mortgage.doc""", _
                   ConfirmConversions:=True, ReadOnly:=False,
AddToRecentFiles:=False, _
                   PasswordDocument:="", PasswordTemplate:="",
Revert:=False, _
                   WritePasswordDocument:="",
WritePasswordTemplate:="", Format:= _
                   wdOpenFormatAuto

blah blah blah more code

           End if
       End If
End With
   
End Sub