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Below is a module created by Idaho Legal Aid Services related to common legal issues surrounding seniors or the elderly and protecting their home in relation to issues like Medicaid, foreclosure, deed, reverse mortgages, and letting others reside with you.. The module is available in English and Spanish.
In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don’t give these everyday transactions a second thought. But an identity thief does.
Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.consumer.gov/idtheft or write to: FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. Washington, D.C., 20580.
Providing the information below will allow you to calculate how much you can afford to spend on a home. However, many additional factors play a part in the loan qualification process.
The mortgage settlement process--sometimes called mortgage closing--can be confusing. A settlement may involve several interested parties and a variety of documents and fees. This guide helps you understand the steps involved in the settlement process. Although the focus here is on settlements for home purchases, much of the guidance will also apply if you refinance a mortgage...
This website gives you an overview of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower...
Cuando usted obtiene un préstamo hipotecario, es posible que piense que la entidad de préstamo conservará y administrará su préstamo hasta que termine de pagarlo o hasta que venda su casa. Frecuentemente no es así. En el mercado actual, los préstamos y los derechos de administrarlos se compran y se venden con bastante frecuencia. En muchos casos, la compañía a la cual usted le envía sus pagos no es la compañía dueña del préstamo.
Si usted no paga su hipoteca en fecha o si paga un monto menor a su mensualidad, usted incurre en incumplimiento de pago de su préstamo. Las consecuencias del incumplimiento de pago pueden ser costosas. La Comisión Federal de Comercio (Federal Trade Commission, FTC), la agencia nacional de protección del consumidor, dice que es importante entender los costos que tiene el incumplimiento de pago.
You could lose your home and your money if you borrow from unscrupulous lenders who offer you a high-cost loan based on the equity you have in your home. Certain lenders target homeowners who are elderly or who have low incomes or credit problems — and then try to take advantage of them by using deceptive practices. The Federal Trade Commission, the nation’s consumer protection agency, cautions all homeowners to be on the lookout for.
Owning a home is part of the American dream. But high home prices may make the dream seem out of reach. To make monthly mortgage payments more affordable, many lenders offer home loans that allow you to (1) pay only the interest on the loan during the fi rst few years of the loan term or (2) make only a specifi ed minimum payment that could be less than the monthly interest on the loan...
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