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Are you considering a reverse mortgage? Better look before you leap. While a reverse mortgage could put money in your hands, the transaction is likely to be quite confusing. A reverse mortgage deal could also put a lot of your money in someone else’s pocket. Still, if you are a senior and a home owner and short of cash to make ends meet, a reverse mortgage can be a lifesaver. That’s because a reverse mortgage taps your home equity – that’s the market value of your house minus the outstanding balance on any existing mortgages – for cash.
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.
Idaho Legal Aid
Housing Advice Line: call us at (208) 746-7541 or apply online at our website.
www.idaholegalaid.org
Intermountain Fair Housing Council
208-383-0695 in Boise area or 1-800-717-0695 (toll free)
Idaho Human Rights Commission
208-334-2873 in Boise area or 1-888-249-7025 (toll free) or 208-334-4751 (TDD/TTY)
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/.
Below is a list of programs for homeless veterans in Idaho:
Ada County Programs
The Idaho Division of Veterans Services operates three Veterans Homes in Boise, Lewiston and Pocatello. All three homes share a common goal of providing responsive medical and supportive care to veterans who can no longer provide for themselves. The quality of life for veterans is their primary focus and we provide an environment that supports privacy, independence, comfort and security, while meeting social needs.
The Consumer Financial Protection Bureau (CFPB) created a new tool that allows renters and landlords to find rental assistance programs in their area.
To use this tool, please visit: www.consumerfinance.gov/renthelp
Do you know what a place of public accommodation is? Did you know that places of public accommodation must be accessible to persons with disabilities?
To learn more, please view our Public Accommodations Guide, which covers state and federal protections for persons with disabilities in places of public accommodation.
The Consumer Financial Protection Bureau created a "Shopping for Your Home Loan" guide for persons looking to buy home. This guide includes tips and advice before you purchase a home or settle on a home loan company.
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