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Discrimination in mortgage lending is prohibited by the Fair Housing Act. The Act makes it unlawful to engage in discriminatory practices based on race, color, national origin, religion, sex, familial status or handicap (disability). Examples of discrimination in lending include:
What is a manufactured home?
A manufactured home is a structure formerly known as a mobile home. It is built to the Manufactured Home Construction and Safety standards set by HUD and displays a red certification label on the outside of each transportable section. The certification is available only to those homes manufactured after June 15, 1976, when the standards were implemented
and cannot be received for any constructed prior to this date.
This pamphlet is for you if you:
Reside in a home built before 1978.
Own or Operate a child care facility, including preschools and kindergarten classrooms, built before 1978, or
Have a child under six years of age who attends a child care facility built before 1978.
You will learn:
At times we find ourselves in a difficult situation involving our bank, a large business, etc. and don’t know what to do. Calling customer service hasn’t led to any real results so you may be asking yourself what to do next?
The Center for Responsible Lending has created a list of five "Signs of Predatory Auto Finance Loans" that you may view below or view on their webpage: https://www.responsiblelending.org/issues/signs-predatory-auto-finance.
Signs of Predatory Auto Finance Loans
Don't get into car trouble: Learn to spot predatory auto finance loans.
The Center for Responsible Lending has created the following "8 Signs of Predatory Mortgage Lending", which you may find below or on their website: https://www.responsiblelending.org/issues/8-signs-predatory-mortgage.
In Idaho, investor-owned utilities providing basic services such as electricity, gas, water and telecommunications services must follow rules that protect consumers. The rules are established and enforced by the Idaho Public Utilities Commission (IPUC). The IPUC is a state agency charged with regulating investor-owned utilities. (City-owned or cooperative utilities are not regulated by the IPUC). The rules say when a utility can and cannot disconnect service to a customer.
The attached guide details the process of determining interests in real property (real estate and land) between an unmarried couple, where each person's name is on the deed, and the couple is now separating or separated.
The National Consumer Law Center, Inc. has created a free chapter on Homeowner Rights During the Covid-19 Pandemic. This Chapter covers issues such as Fannie Mae, Freddie Mac, Federal Housing Agency (FHA), VA, and USDA mortgage loans, state-based pandemic-related relief, portfolio and private label securities, and foreclosures.
This Chapter is accessible for free here: https://library.nclc.org/free-access-new-chapter-homeowner-rights-during-covid-pandemic.
This brochure was created by Idaho Legal Aid Services, Inc. to advise seniors on how to protect their home in relation to issues like Medicaid, foreclosure, deed, reverse mortgages, and letting others reside with you.
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