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Have interest rates fallen? Or do you expect them to go up? Has your credit score improved enough so that you might be eligible for a lower-rate mortgage? Would you like to switch into a different type of mortgage? The answers to these questions will influence your decision to refinance your mortgage. But before deciding, you need to understand all that refinancing involves. Your home may be your most valuable financial asset, so you want to be careful when choosing a lender or broker and specific mortgage terms.
Idaho Legal Aid Services Fair Lending Project:How to Escalate Your Case
File a Complaint against the Bank at:
https://appsec.helpwithmybank.gov/olcc_form/
When You File a Bank Complaint On-line:
Idaho Legal Aid Services Fair Lending: Predatory Lending Abuses Brochure.
ILAS Fair Lending Project poster, which identifies some common warning signs of predatory lending, is available for printing and posting at your business.
Emergency Help
If you or someone you know is being abused, get help as soon as possible. You can find the following kinds of help:
Legal Help
24-hour domestic violence hotlines
Shelters
Legal Help
Call the ILAS domestic violence hotline
208-746-7541
What is predatory lending?
Predatory lending is the practice of preying on, or taking advantage of, an individual or group of people that may have a difficult time buying or refinancing a home such as people who may be poor, uneducated, elderly, or in a protected class. Under the Fair Housing Act, a protected class is a group of people who share common characteristics and are protected from discrimination on the basis of race, religion, national origin, color, disability, familial status, and gender.
How do I know if I've been a victim?
For too many years, the criminal justice system ignored the rights of crime victims. In Idaho, that changed with the overwhelming voter ratification of the Victims Rights Amendment to the Idaho Constitution in November 1994.
Head Start is a success in Idaho! Thirteen programs across our state have been producing true success stories since the 1960s.
Authorized through the Head Start Act of 1964,the Federal Department of Health and Human Services, Head Start Bureau, funds local public agencies, private non-profit organizations, and school systems for the purpose of operating Head Start pre-school programs at the community level. Grantees also include Tribal Programs for Native American children and Community Council of Idaho. For more information, please contact our office at (208) 345-1182.
Every child deserves a safe and loving home. Foster care and adoption provide that to Idaho’s youngest and most vulnerable citizens. However, children are not the only ones to benefit from these programs. Serving as a foster parent or adopting a child can be an extremely rewarding experience, the kind of experience that enriches the lives of everyone involved.
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