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Refinancing is a process in which you pay off one or more existing debts with a new home loan. If you have perfect credit, refinancing is sometimes a good way to obtain a lower interest rate or to convert a variable rate loan to a fixed rate. However, if you are in the midst of financial difficulties, if you have too much debt, or if you have bad credit, refinancing is loaded with pitfalls. We recommend that you be very careful whenrefinancing debts. Many refinancing loans hurt consumer. Here are twelve things to consider before refinancing...
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.
Forms for Current Guardians/Conservators and for a Complaint Against a Current Guardian or Conservator
Rental and utility assistance is available for low income families who are unable to pay their current rent or utilities due to the COVID-19 pandemic or the related economic crisis.
If you live within Ada County or the City of Boise, contact the Boise City Ada County Housing Authority for rent/utility assistance: https://erap.bcacha.org/.
The document below was issued by the Idaho Department of Health and Welfare on May 1, 2020. It contains information on plans all agricultural employers should have in place to mitigate the risk of spreading COVID-19.
This brochure provides information on different ways to manage decision-making as we age.
This brochure was created by the Idaho Court Assistance Office and provides information on common questions and answers related to guardianships and conservatorships, and is designed to help you understand what a legal guardianship or conservatorship is, how it is obtained, and describes the responsibilities of a guardian and/or conservator.
This guide by the Self-Advocacy Speaker's Network details how supported decision making may be an alternative to a guardianship for a disabled adult.
This guide goes through the general process of a civil lawsuit in Idaho.
For more information regarding Idaho's coronavirus pandemic, please visit the State of Idaho's webpage devoted to coronavirus information, such as the numbers in Idaho, a transmission risk level map, and what stage of the Stay Healthy Order Idaho is currently in: Idaho Coronavirus.
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