5 Tips for Dealing with a Home Equity Line Freeze or Reduction
Explains consumers' rights and lenders' responsibilities when credit lines are reduced and provides information for those seeking to have a credit line reinstated.
5 Tips for Shopping for a Mortgage
Helps consumers avoid potential pitfalls and make well-informed decisions when choosing a home loan.
Ability to Repay Mortgage Rules (CFPB)
New mortgage rules will require lenders, before making a mortgage loan, to look at a consumer's financial information and be sure that the consumer can afford to repay the loan.
Appraisals for Higher-Priced Mortgage Loans (CFPB)
Under the Truth in Lending Act, mortgages that exceed a certain interest rate require creditors to 1) obtain an appraisal meeting certain standards, 2) provide applicants notification regarding appraisal use, and 3) give applicants a copy of the written appraisal.
Buying a Home (HUD)
The home buying process can seem complicated, but taking things step-by-step will assist you in holding the keys to your own home.
Consumer Handbook on Adjustable-Rate Mortgages (CFPB)
Review the types and dangers of adjustable rate-mortgages.
Escrow Account Requirements (CFPB)
Find out about requirements that take effect June 1, 2013 that will require lenders to collect monthly escrow payments for certain mortgages for an extended period of time.
A Guide to Mortgage Lock-Ins
Explains lock-in mortgages and their advantages to consumers.
A Guide to Mortgage Refinancings
Information about when to consider refinancing, refinancing options, and how to shop for a new loan.
High-Cost Mortgage Protections (CFPB)
Starting in January 2014, new rules will protect consumers if a lender offers them a high-cost mortgage.
Home Calculators (Freddie Mac)
Get data on the pros and cons of home ownership, including the financial differences between renting and buying and whether refinancing will save you money.
If Your Mortgage Lender Servicer is Closing or in Bankruptcy (FTC)
What to do if your mortgage company closes or files for bankruptcy.
Español Si su prestador hipotecario cierra o se declara en bancarrota
Making Home Affordable: Mortgage Assistance Options
Information about the President's plan to help some homeowners refinance or modify their mortgages so that they can avoid foreclosure.
Español Programa de Modificación Home Affordable
Making Payments to Your Mortgage Servicer (FTC)
You have a right to know when your home loan is sold or transferred from your current lender to a new lender or servicer.
Español Pagandole al administrador de su hipoteca
Mortgage Discrimination (FTC)
Learn about the Fair Housing Act and Equal Credit Opportunity Act which protects you from mortgage loan discrimination.
Español Discriminación hipotecaria
Nationwide Mortgage Licensing System Consumer Access
Find out if the mortgage company with whom you wish to conduct business is licensed in your state.
Owning a Home (CFPB)
Resources to help you with the entire mortgage process.
Private Mortgage Insurance (CFPB)
Learn more about a law that establishes homeowners' rights and rules for lenders regarding private mortgage insurance cancellation.
Shopping for a Mortgage (FTC)
Learn about how to shop, compare and negotiate the terms of your mortgage.
Español Buscando una hipoteca
Shopping for Your Home Loan: Settlement Cost Booklet (CFPB)
Describes what is involved in mortgage settlement, including possible charges and cost tips.
What You Should Know About Home Equity Lines of Credit
Learn how to shop for home equity plans, and advantages and disadvantages of home equity lines of credit.
When Paying the Mortgage is a Struggle (FTC)
Provides information to tell you what to do to save your home and how to recognize and avoid foreclosure scams.
Español Cuando pagar la hipoteca es una lucha
- 5 Tips for Dealing with a Home Equity Line Freeze or Reduction
Considering a Reverse Mortgage? (CFPB)
Important questions to ask when you talk to a housing counselor about your reverse mortgage options and alternatives.
Español ¿Está pensando en una hipoteca revertida?
Frequently Asked Questions About Reverse Mortgages (HUD)
Ten things you should know if you are interested in a home equity conversion mortgage.
Reverse Mortgages: Are They For You? (OCC)
Understand the costs and benefits of reverse mortgages and how to shop for one.
Español Las hipotecas inversas: ¿se adecuan a sus necesidades?
- Considering a Reverse Mortgage? (CFPB)
- Student Loans
Access to Credit: A Guide for Lenders and Women Owners of Small Businesses
Describes issues and recommendations in successful lending practices and credit financing for women owners of small businesses.
Banking Tips for Small Businesses: A Checklist for Entrepreneurs (FDIC)
Simple strategies designed to help you get the most from banking relationships and avoid frauds or scams.
Minding Your Own Business: Banking Tips for Small Companies (FDIC)
Tips on ways to handle your business' finances, including getting loans, paying for everyday expenses, understanding your rights and responsibilities, and guarding against fraud.
Small Business Administration Initiatives (FDIC)
Learn about the programs the Small Business Administration offers to large and small entrepreneurs.
- Access to Credit: A Guide for Lenders and Women Owners of Small Businesses
Auto Loans and Vehicle Leasing
Buying and Owning a Car (FTC)
Read tips on buying vs. leasing, negotiating the best deal, financing, getting the most out of warranties and service contracts, using gas efficiently, and avoiding repossession.
Español Comprar y mantener un carro
Keys to Vehicle Leasing: A Consumer Guide
Guidance for consumers on leasing a vehicle, including information on consumer rights, a sample leasing form explaining costs, and definitions of terms used in vehicle leasing.
Know Before You Owe: Auto Loans (CFPB)
Learn how to prepare for getting an auto loan so you can avoid common pitfalls and understand the total cost of an auto loan.
Understanding Vehicle Financing (FTC)
Get the facts about dealership financing - what it is, how you apply, special financing offers, cash back and rebates you may be eligible for, and more.
Español Comprenda cómo funciona la financiación de vehículos
- Buying and Owning a Car (FTC)
Co-Signing a Loan (FTC)
Carefully consider your rights and obligations before co-signing a loan.
Español Información para los cosignatarios de préstamos
Disclosure and Delivery Requirements for Appraisals and Other Valuations (CFPB)
Learn about revisions to the Equal Credit Opportunity Act, effective January 2014, that will make it easier for borrowers to review a valuation - an estimate of the home's value - before getting a mortgage loan.
Privacy Choices for Your Personal Financial Information
Explains how to read the federal privacy and opt-out notices you get from financial institutions and when you can and cannot prevent institutions from sharing your information.
Your Equal Credit Opportunity Rights (FTC)
Summarizes the basic provisions of the Equal Credit Opportunity Act.
Español Sus derechos de igualdad de oportunidad de crédito
Your Rights to Financial Privacy (FDIC)
Understand your rights to financial privacy and what you need to do to exercise those rights.
- Co-Signing a Loan (FTC)