Homes & Mortgages

Struggling to make your mortgage payments?

If you’re behind on your mortgage payments or worried about how you’ll make the next one, help may be available. But you have to act fast. December 30, 2016 is the last day to apply for assistance under many federal Making Home Affordable programs, which were created to help homeowners struggling with their mortgage payments.Picture of a mortgage statement, a small calculator, and a pen.

FTC: House wrap claims are hot air

Whether you live in Bangor, Maine, or Bakersfield, California, your home will be more comfortable and energy efficient with the right insulation. Insulation helps lower the cost of heating and cooling your home.

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Homes & Mortgages

What you need to know about rent-to-own home deals

You dream about buying a house, but you can’t — at least not yet. Maybe you don’t have the money for a down payment, or you’ve had problems with your credit. But what if someone offered you a chance to eventually own the house you’re renting?

You might be told it’s a chance to “stop throwing money away on rent.” But we’ve heard that many people who thought these deals were a path to owning a home watched their dreams disappear instead.

Military Consumer, your tool for financial readiness

If you’re in the military, your financial decisions can have long-term effects on your family life, security clearance, and mission readiness. In fact, the Department of Defense (DoD) has said that financial readiness is a critical part of the force’s mission readiness. It makes sense: when you know how to manage your money – and how to spot a rip-off – you’re more financially solid. And that helps keep you mission-ready.

Alert for Spanish-speaking victims of a mortgage relief scam

Over the summer, we told you about a mortgage relief scam that defrauded homeowners in financial distress. The case especially affected Spanish-speaking homeowners in Southern California. According to the FTC, Brookstone Law and Advantis Law firms convinced homeowners to make an upfront payment to join a mortgage lawsuit against banks and lenders, supposedly to help them avoid foreclosure, get rid of their mortgages, or get money from their lenders.

Empowering Latinos to know their rights and avoid scams

Hispanic Heritage Month is a time to celebrate the contributions so many Latinos have made throughout history. It’s also a time for us to celebrate you for the vital role you’ve played in helping Latino communities avoid scams.

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Surviving a flood — Dealing with the aftermath

Once the floodwaters have receded, it’s time to take stock and develop a recovery plan. It can seem overwhelming. Here are a few tips and links to resources to help make the task less burdensome.

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Homes & Mortgages

Exposing a mortgage relief scheme’s empty promises

If you’re struggling to pay your mortgage, you might look for financial relief to help keep the roof over your head. Do you turn to your bank or mortgage lender for help? Maybe you got a mailer promising mortgage relief – via a lawsuit against banks and lenders? If you’ve thought about the last option, watch out for empty promises.

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Homes & Mortgages

Combating Fraud in African-American and Latino Communities

When we say we’re fighting fraud in every community here at the FTC, we mean it. We’re bringing cases and reaching out to diverse segments of the population: servicemembers and veterans, older adults, Asian Americans, Native Americans, the disability community, LGBT individuals and groups – and African American and Latino communities.

Efficient bulbs light the way

When’s the last time you spent your commute in a horse-drawn carriage? Or calculated a bill on an abacus? This Earth Day, we can reflect on another old-tech consumer item that’s falling out of use: old-fashioned, low-efficiency, incandescent light bulbs. New LED and CFL bulbs last much longer and use less energy – which saves you money on your monthly bill.

Want a one-minute refresher about the Lighting Facts label? Here’s our video.

Video about lumens

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Homes & Mortgages

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