I have experienced a mortgage/foreclosure scam (1)
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Learn how to avoid foreclosure rescue scams
Follow this link to a PDF brochure from the New York State Attorney General's Office about how to avoid foreclosure rescue scams. Content Detail
I have been discriminated against or denied a service (2)
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Learn about fair mortgage lending and what to do if discrimination happens to you
Discrimination in mortgage lending is prohibited by the federal Fair Housing Act and HUD's Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law. The Fair Housing Act makes it unlawful to engage in the following practices based on race, color, national origin, religion, sex, familial status or handicap/disability. Content Detail
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Mortgage discrimination: a guide to understanding your rights and taking action
Read this resource to learn more about the protections given to lender's against mortgage discrimination under the the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA). Read More
- Read this in:
- Spanish / Español
I want information on home loans or owning a home (6)
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How to recognize and avoid predatory lenders when buying or refinancing a home
This article provides an outline of how to spot and avoid dishonest lenders. Read More
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Buying a home on a land contract
This PDF article is about making sure you protect your rights as a buyer if you are creating a land contract. Content Detail
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Don't be a target for high-cost home loans
Download the booklet for tips on how to protect yourself when shopping for home loans. Content Detail
- Read this in:
- Spanish / Español
- Chinese / 中文
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How to find the best mortgage
Information on what to look for when shopping for a mortgage, including an explanation of terms used by mortgage brokers and bankers and a worksheet to use to compare mortgage offers. Content Detail
- Read this in:
- Spanish / Español
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Frequently asked questions about mortgages
Questions and answers about home loans, including your rights and what certain legal terms mean. Content Detail
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Beware of Rent-to-Own agreements
This link will take you the website for Legal Assistance of Western New York. LawNY attorneys wrote this article on what you should consider before signing a Rent-to-Own agreement. Content Detail
- Read this in:
- Spanish / Español
I am considering a reverse mortgage (2)
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The pros and cons of a reverse mortgage
A reverse mortgage could put money in your hands now, but the transaction can be quite confusing. Download this PDF to learn more. Content Detail
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Reverse Mortgages
Read this resource to learn about reverse mortgages, borrowing money against your home, and reverse mortgage scams. Read More
- Read this in:
- Spanish / Español
I need help with a home equity loan (3)
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Your rights under the Home-Equity Theft Prevention Act
The law can help protect you against scams. Vist the N.Y. Dept. of Financial Services to learn about your rights if you are planning to sell your home when you are in default or foreclosure. Content Detail
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How and when you can cancel a home equity loan
Detailed information on the right to cancel a home equity loan contract for any reason within three days of signing the agreement. Content Detail
- Read this in:
- Spanish / Español
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The risks of HOEPA loans and what you can do to protect yourself
This article provides an overview of your legal rights in regards to loans with high interest rates or high fees, otherwise known as HOEPA loans. Read More
