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Guiding Borrowers to the right decisions
Protecting borrowers from mortgage predators
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First-Time Home Buyer
Elderly Home Owner
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Borrower Selecting Loan Type
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Mistakes to Avoid
Buying a House
Building a House
Shopping for a Mortgage
Qualifying for a Mortgage
Selecting the Mortgage
Locking the Price
Taking a Second Mortgage
Managing the Mortgage
Questions by Topic
Adjustable Rate Mortgages
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Financing House Purchase or Construction
Refinancing a Mortgage
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What Makes a Certified Network Lender?
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Choosing Between ARMs and FRMs
Selecting Among Different FRMs
Selecting Among Different ARMs
Selecting a Rate/Point Combination
How Large a Down Payment to Make
Whether to Waive Escrow
Whether to Accept a Prepayment Penalty
Locking the Loan
Interest Only Mortgage
List of Calculators
Questions About Mortgage Servicing Problems
Why Is the Quality of Servicing From a Borrower's Perspective Usually Quite Poor?
Since Borrowers Don't Select and Can’t Fire Their Servicing Agents, What Can They Do to Protect Themselves Against Shoddy Treatment?
If My Lender Goes Bankrupt, Is There Any Danger to Me That Servicing Will Be Disrupted?
Is There Any Danger to Me When My Loan Is Sold? How Do I Protect Myself?
When Do You Have the Right to Avoid Having to Escrow Funds For Payment of Taxes and Insurance?
If You Escrow, What Can You Do When the Lender Fails to Pay Taxes or Insurance?
If the Lender is Continually Making Errors With Your Escrow, Is There Any Way to Induce the Lender to Eliminate the Escrow Requirement?
How Is it Possible For a Single Late Payment to Lead to Late Charges and a Delinquency Report in Every Subsequent Month?
What Would a Servicing System Do For Borrowers if it Were Designed to Meet Borrower Needs?
Under What Conditions Should Borrowers Have a Legal Right to Fire Their Servicing Agent?
When a Borrower Receives Notice of an Increase in Escrow Payments, Why Is It a Good Idea to Pay It, Even When the Borrower Knows That It Is a Mistake?
How Long Should Servicing Statements Be Retained?
Why Is It Important For Borrowers to Receive Monthly Statements?
What Legal Protections Do Borrowers Need as Protection Against Predatory Servicing Practices?
What Should a Borrower Do If His loan or the Servicing of His loan Is Sold, and No Other Firm Steps Up to Receive the Payments?
In What Sense Is Public Outrage Over Irregularities in the Foreclosure Process Misdirected?
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