Mortgages

This section covers issues that a homeowner might have with taking out a mortgage, finding support and opportunities, dealing with scams, keeping up on their obligations, and understanding their options if problems arise.

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Refinancing your Mortgage

This article covers mortgage refinancing, its benefits, risks, and alternatives. It explains how refinancing can lower payments or provide cash, bank approval requirements, and its role in divorce settlements. It also explores alternatives like home repair grants, second mortgages, and reverse mortgages, while warning of risks like foreclosure and rising payments.

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Buying a Home Without a Big Down Payment

This article explores how to buy a home with little or no down payment. It covers financial assistance programs, low-down-payment mortgage options like VA, USDA, and FHA loans, and key mortgage terms. It also outlines the home-buying process, from pre-approval to making an offer and handling contingencies.

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Predatory Lending and Homeownership

The article highlights key regulations, like TILA and RESPA, designed to prevent abusive lending and offers tips on avoiding or addressing predatory mortgages.

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