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The work that provided the basis for this page was supported by funding under a grant with the U.S. Department of Housing and Urban Development. ILAS is solely responsible for the accuracy of the statements and interpretations contained in this presentation. Such interpretations do not necessarily reflect the views of the federal government.
Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too many families are suffering today because of a growing incidence of abusive practices in a segment of the mortgage lending market. Predatory mortgage lending practices strip borrowers of home equity and threaten families with foreclosure, destabilizing the very communities that are beginning to enjoy the fruits of our nation’s economic success.
Idaho Legal Aid Services puede ofrecerle servicios a propietarios de casa quienes están pasando por
problemas de ejecución de casa. Este programa no es disponible para inquilinos. No podemos aceptar
clientes donde se ha entablado procedimientos de ejecución judicial o si han entablado documentos en el
tribunal ( corte )...
El comprar una casa es parte del sueño americano. También es la decisión más costosa que una persona puede tomar. Por lo tanto, es importante que los compradores potenciales se informen acerca de cada aspecto que involucra su decisión...
Si usted es propietario de una vivienda y necesita dinero para pagar cuentas o para hacer reparaciones en su casa, es posible que crea que un préstamo sobre el valor neto de la vivienda (home equity loan en inglés) sea la solución. (Un préstamo sobre el valor neto de la vivienda se refi ere a un préstamo garantizado por la inversión neta en el hogar tras restarla del valor total de la hipoteca.) Pero no todos los
Predatory lending comes in a number of different forms. In each instance, however, a financial institution takes unfair advantage of a consumer’s financial needs by charging high interest rates and other unconscionable fees and charges...
If you’re looking for a mortgage to buy a home or refinance an existing loan, you may see or hear ads with offers of low rates or payments. Whether you see them on the Internet, on television or in the paper, or whether they come by fax or mail, some of these ads look like they’re from your mortgage company or a government agency. Regardless of where you see the ads, remember that while the offers are tempting, some are terribly flawed: they don’t disclose the true terms of the deal as the law requires.
If you’re refinancing your mortgage or applying for a home equity installment loan, you should know about the Home Ownership and Equity Protection Act of 1994 (HOEPA). The law addresses certain deceptive and unfair practices in home equity lending. It amends the Truth in Lending Act (TILA) and establishes requirements for certain loans with high rates and/or high fees.
Be suspicious of anyone who offers you a “bargain loan” or “consolidation” loan, whether they send you an offer, call you on the phone, or come to your door. Don’t rely on salespeople who promiseeasy credit. Be suspicious of anyone who contacts you first...
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