High-Rate, High-Fee Loans (HOEPA/Section 32 Mortgages)

Home Equity Credit Lines

Home Sweet Home Improvement.

Mortgage Discrimination.

Mortgage Servicing: Making Sure Your Payments Count

Need a Loan? Think Twice About Using Your Home As Collateral

Putting Your Home on the Loan Line is Risky Business

Reverse Mortgages

Utility Credit

Shopping for Home Equity Loan?

Looking for the Best Mortgage

Understanding the Home Mortgage Process

Understanding your Rights to Fair Lending

The Mortgage Application Process

Where to Stop and What to Look for

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Home Mortgages

Understanding the Process
and Your Right to Fair Lending

Shop for the mortgage package that best meets your financial needs. If you apply for a mortgage and the lender says you don't qualify, keep in mind that some lenders have stricter credit standards than others. Try someone else. Don't stop shopping after one discouraging experience--or even several.

"Just Right!" You’ve been looking at houses for months and months, and you have finally found it--the house that’s just right. Now, you’re anxious to buy your new home, move in, and get settled. But you still have an important task ahead of you--getting a mortgage loan.

This brochure explains about dealing with mortgage lenders. It tells you where to look, what to look for, and what takes place when you apply for a mortgage. Knowing what to expect, especially if you are a first-time homebuyer, may make it easier for you to get through the process.

You’ll also learn about your legal rights to fair lending and what you have a right to expect in fair treatment. The Fair Housing Act and the Equal Credit Opportunity Act make it unlawful for a lender to decide whether you qualify for a loan, or to offer less favorable terms, for reasons such as your race, national origin or sex and other prohibited factors.

If you believe you have been unlawfully discriminated against by a lender, or have questions about the treatment you have received, this brochure also tells you where to file a complaint.

 

 

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