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A Consumer's Guide to Mortgage Settlement Costs
The mortgage settlement process--sometimes called mortgage closing--can be confusing. A settlement may involve several interested parties and a variety of documents and fees. This guide helps you...
A Consumer’s Guide to Mortgage Refinancings
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...
Avoiding Home Equity Scams
Washington, DC — You could lose your home and your money if you borrow from unscrupulous lenders who offer you a high-cost loan based on the equity you have in your home. Certain lenders...
Consumer Finance FAQ
Idaho Department of Finance Frequesntly Asked Questions (FAQ) about Consumer Finance.
Consumer Handbook on Adjustable-Rate Mortgages (ARM)
This website gives you an overview of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower...
Extension of Mortgage Protections
Fair Housing Administration Extension until February 28, 2021 Servicers are banned from starting or continuing with a foreclosure or a foreclosure-related eviction action for Fair Housing...
Fair and Predatory Lending Brochure
Idaho Legal Aid Services Fair Lending: Predatory Lending Abuses Brochure.
Fair Housing - Predatory Lending
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...
Fair Housing: Predatory Lending Abuses
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...
Fair Lending Poster with Warning Signs of Predatory Lending
ILAS Fair Lending Project poster, which identifies some common warning signs of predatory lending, is available for printing and posting at your business.
Fair Lending Project: How to Escalate Your Case
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...
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...
How Much Home Can You Afford?
Providing the information below will allow you to calculate how much you can afford to spend on a home. However, many additional factors play a part in the loan qualification process...
HUD Resources for Renters Related to Coronavirus
The U.S. Department of Housing and Urban Development (HUD) has created a webpage for resources for renters during the Coronavirus pandemic. It includes information on rental assistance, tips on...
Incumplir el Pago de su Hipoteca Tiene Consecuencias Costosas
Si usted no paga su hipoteca en fecha o si paga un monto menor a su mensualidad, usted incurre en incumplimiento de pago de su préstamo. Las consecuencias del incumplimiento de pago pueden ser...
Información de la FTC para Consumidores
Cuando usted obtiene un préstamo hipotecario, es posible que piense que la entidad de préstamo conservará y administrará su préstamo hasta que termine de pagarlo o hasta que venda su casa....
Interest Only Mortgage Payments and Payment-Option ARMs – Are They For You
Owning a home is part of the American dream. But high home prices may make the dream seem out of reach. To make monthly mortgage payments more affordable, many lenders offer home loans that allow...
Mortgage Fraud and Foreclosure
Your home is likely your most valuable asset, and you have an interest in maintaining ownership, protecting your equity and preserving your credit rating. This manual describes how you can better...
Mortgage Rescue Scams Guide
The Federal Deposit Insurance Corporation has created a guide on how to recognize and protect yourself from mortgage rescue scams. Please see the attached for more information.
NCLC's Homeowner Rights During Covid-19 Pandemic
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...
Protecting Your Home Module (English and Spanish (Espanol))
Below is a module created by Idaho Legal Aid Services related to common legal issues surrounding seniors or the elderly and protecting their home in relation to issues...
Request for Information on Escrow Accounts Template
Please find attached a template letter that you can use to request information from your mortgage servicer for information regarding escrow accounts if your mortgage loan is currently in...
Shopping for Your Home Loan Guide
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...
Signs of Predatory Mortgage Lending
The Center for Responsible Lending has created the following "8 Signs of Predatory Mortgage Lending", which you may find below or on their website:
Summary of Foreclosure Alternatives for Borrowers with Covid-19 Hardships
This chart by the National Consumer Law Center (NCLC) provides a summary of relief options available for borrowers facing a COVID-19 related hardship. The options that a borrower has depends on...
Ten Things to Know about Reverse Mortgages from HUD
Reverse mortgages are becoming popular in America. HUD's Federal Housing Administration (FHA) created one of the first. The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program...
What You Should Know About Refinancing
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...
Resources and information related to the COVID-19 pandemic, including protections under the CARES Act, evictions, unemployment benefits, garnishment of wages, etc.
Money, Debt, and Bankruptcy
Small Claims Action
Unfair and Deceptive Trade Practices
Credit Practices/Credit Reports
Pay Day Loans
Debt Management Counseling
How to Avoid Identity Theft
Family Law and Domestic Violence
Civil Protection Order (CPO)
Custody and Visitation or Parenting Time
Third-Party Custody or Visitation
Adult or Minor Name Change
Family Law Community Resources
Employment and Unemployment
Workplace Safety and Health
Health and Medical Benefits
State or Locally Funded Medical Programs
Health and Medical Benefits Community Resources
Guardianship & Conservatorship
Complaint Against a Guardian or Conservator
LGBTQ Community Resources
Evictions and Lockouts
Repairs and Damages
Service or Support Animals
Federal Fair Housing Act
How to File a Fair Housing Complaint
Renter Safety and VAWA
Utility Issues and Shutoffs
Subsidized or Public Housing Programs
Mobile Home Issues
Home Equity Conversion/Reverse Mortgage
Foreclosure and Covid-19
Renters and Foreclosure
Foreclosure and Bankruptcy
Housing Community Resources
Supplemental Security Income (SSI)
Workplace Safety & Health
Power of Attorney/Advanced Directive/Living Will
Supplemental Security Income (SSI)
Resources for Seniors
Wills and Small Estates
Living Wills/Advance Directives/Powers of Attorney
Wills and Holographic Wills
Supplemental Security Income
Social Security Disability Benefits