I have been discriminated against or denied a service (3)
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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 Fair Housing Act. This is a link to more information on fair lending from HUD. Content Detail
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Learn more about the rights that protect you from mortgage discrimination
This resource includes a PDF and a link to a web page with information about mortgage discrimination and the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA). Read More
- Read this in:
- Spanish / Español
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Learn more about fair lending requirements in New York
This is a brief overview of what kinds of lending discrimination are allowed and what types are illegal in New York state. The overview includes a phone number and email address that you can use if you believe you have been discriminated against by a creditor. Content Detail
I have experienced a mortgage/foreclosure scam (1)
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Learn how to avoid foreclosure rescue scams
If you have fallen behind on your mortgage payments and your home is in foreclosure or default, you and your home may become targets for home equity theft or foreclosure rescue fraud scams. Read this page to learn more about how these scams work and how to avoid them. Content Detail
I am a homeowner and/or I want information on home loans (7)
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Learn about low-interest mortgages from State of NY Mortgage Agency (SONYMA)
This page includes information for first-time homebuyers to help them understand the homebuying process and the services and programs offered by New York State to help you through the process, including low-interest home loans and programs to help secure a down payment. Content Detail
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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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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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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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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
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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
I am considering a reverse mortgage (4)
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Tips for you if you are considering 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. Read More
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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
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LGBT Senior Homeowners: What You Should Know About Reverse Mortgages
This is a three page article about reverse mortgage loans for what LGBTQ senior homeowners should know before they take out a reverse home mortgage. Content Detail
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State and national guidance on reverse mortgages
This resource includes links to guidance on reverse mortgages from the NY Department of Financial Services and the Federal Trade Commission. Read More
I need help with a home equity loan (2)
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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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Home Equity Loans and Credit Lines
This resource is a link to a page on the FTC website about home equity loans. Content Detail
- Read this in:
- Spanish / Español