You are here

Home Loans

Information is critical when you are shopping for a mortgage. And it’s equally important to know the consequences of falling behind on your payments and the telltale signs of a foreclosure rescue scam. What about a reverse mortgage? When could it be a good deal — and when can it be a dud?

Reverse Mortgages

Reverse mortgages let you cash in on the equity in your home: these mortgages can have serious implications.

Home Equity Loans and Credit Lines

Is a home equity loan or line of credit right for you? Read about abusive lending practices, how to avoid them, and how to save your home.

When Paying the Mortgage is a Struggle

If you’re having trouble paying your mortgage, all is not lost. There is legitimate help to help you save your home.

Mortgage Relief Scams

Scammers often promise to get your mortgage terms changed, but don’t deliver. Learn how to recognize the signs of a mortgage relief scam.

Shopping for a Mortgage

Shopping and negotiating for a home loan or mortgage — as you do for other major purchases — may save you thousands of dollars.

Making Payments to Your Mortgage Servicer

Learn how mortgage servicers operate and what your rights are.

Mortgage Discrimination

When you apply for a mortgage, the law protects you from discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you get public assistance.

Using Your Home as Collateral

Tips to help you protect your home and the equity you’ve built up when you apply for a loan.

Trouble Paying Your Mortgage?

If you’re having trouble making your mortgage payments, get in touch with your mortgage company ASAP.

Forensic Loan Audits

Forensic loan audits are a new twist on foreclosure relief scams.

Deceptive Mortgage Ads

Some ads for mortgages promise more than they can deliver.

Facing Foreclosure?

Should you pay someone who promises to prevent foreclosure or guarantees you a new mortgage. No. Here’s why.

If Your Mortgage Lender or Servicer is Closing or in Bankruptcy

Here’s what you need to know to manage your mortgage payments if your lender or servicer goes out of business or files for bankruptcy.

Getting Mortgage Offers?

Your application for a mortgage may trigger competing offers. Here’s how to use them when you shop and compare terms.

Getting a Mortgage after a Short Sale

Tips to help short sellers avoid being kept out of the housing market because of difficulties interpreting short sale and foreclosure information on consumer reports.

Mass Joinder Lawsuits

Financially strapped homeowners often are targeted to participate in lawsuits against their lenders, but this can put them further behind.

Facing Foreclosure? Bookmark

Should you pay someone who promises to prevent foreclosure or guarantees you a new mortgage? No.