Home Mortgages

Shopping for Home Mortgage Loans

5 Tips for Shopping for a Mortgage Helps consumers avoid potential pitfalls and make well-informed decisions when choosing a home loan. Español 5 consejos para obtener una hipoteca

Know Before You Go to Get a Mortgage: A Guide to Mortgage Products and a Glossary of Lending Terms What to know before shopping for a mortgage and questions you should ask a potential lender. Español Guía de productos hipotecarios y glosario de terminología sobre préstamos

Looking for the Best Mortgage: Shop, Compare, Negotiate Helpful advice on how to shop for a home loan or mortgage. Español Buscando la hipoteca más favorable: Compare, Verifique, Negocie

Nationwide Mortgage Licensing System Consumer Access Find out if the mortgage company with whom you wish to conduct business is licensed in your state.

What to Expect When You Apply for a Mortgage Loan (OTS) Understand how your credit score impacts your mortgage rate and learn about the various disclosures that protect you during the mortgage process.

Home Purchase/Refinancing Mortgage Loans

Buying and Financing a Home: Consumer Rights, Mortgage Options, Settlement Costs, and More (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.

Escrow Account Information (HUD) Answers frequently asked questions on escrow accounts. Español Preguntas frecuentes de los consumidores sobre las cuentas de depósito en garantía

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.

A Guide to Mortgage Settlement Costs Describes what is involved in mortgage settlement, including possible charges and cost tips.

Homeowners Beware of Questionable Solicitations Don't be a victim of the latest consumer scam. Beware if you get an advertisement for a Community Reinvestment Act program loan endorsed by the Federal Reserve.

Mortgage Servicing: Making Sure Your Payments Count (FTC) Know what a mortgage servicer does and what your rights are. Español Servicios hipotecarios: cómo estar seguro de que sus pagos se acrediten

Private Mortgage Insurance (PMI) Learn more about a law that establishes homeowners' rights and rules for lenders regarding PMI cancellation.

What You Need to Know: New Rules for Mortgage Transfers You have a right to know when your home loan is sold or transferred from your current lender to a new lender or servicer.

Adjustable Rate Mortgage Loans (ARMs)

Consumer Handbook on Adjustable-Rate Mortgages (ARM) Review the types and dangers of adjustable rate-mortgages. Español Guía para el consumidor sobre hipotecas a tasa ajustable (ARM)

Reverse Home Mortgage Loans

Reverse Mortgages: Are They For You? (OCC) Understand the costs and benefits of reverse mortgages and how to shop for one.

Top 10 Things to Know if You Are Interested in a Reverse Mortgage (HUD) What to know if you're interested in a reverse mortgage. Español Hipotecas Revertidas - Los diez datos más importantes que debe saber

Home Equity Lines of Credit

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. Español 5 consejos para hacer frente a la reducción o congelamiento de una línea de crédito con garantía hipotecaria

Putting Your Home on the Loan Line Is Risky Business What to know if you are a homeowner and thinking about getting a home equity loan. Español Utilizar su hogar como garantía para un préstamo es arriesgado

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. Español Lo que usted debería saber sobre las líneas de crédito con garantía hipotecaria