My lender or broker said that my spouse had to co-sign my mortgage loan. Is...
My lender or broker said that my spouse had to co-sign my mortgage loan. Is this right? In general, a creditor such as a lender […]
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If I need to have a co-signer, can a lender or broker require that it be my...
If I need to have a co-signer, can a lender or broker require that it be my spouse? No. If you do not individually qualify, […]
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Can a creditor ask me about the alimony, child support, or separate mainten...
Can a creditor ask me about the alimony, child support, or separate maintenance payments that I or my co-signer receive? A creditor may ask whether […]
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Does a creditor have to consider my part-time or retirement income?
Does a creditor have to consider my part-time or retirement income? A creditor cannot discount or refuse to consider your (or your co-signer’s) income because […]
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Can a lender or broker consider my age when deciding whether to give me a m...
Can a lender or broker consider my age when deciding whether to give me a mortgage or home equity loan? Generally, a creditor such as […]
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What is a Truth-in-Lending Disclosure? When do I get to see it?
What is a Truth-in-Lending Disclosure? When do I get to see it? The federal Truth-in-Lending Act – or “TILA” for short – requires that borrowers […]
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Where can I find more information about HARP, and what is HARP 2.0?
Where can I find more information about HARP, and what is HARP 2.0? If the value of your home has fallen, the federal government’s Home Affordable […]
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What should I do if the house or apartment I’m renting goes into foreclosur...
What should I do if the house or apartment I’m renting goes into foreclosure? Know Your Rights, look for notices, ask questions. You may want to […]
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What types of loans are covered under the Military Lending Act?
What types of loans are covered under the Military Lending Act? Payday loans, overdraft lines of credit, and most installment loans are covered by the […]
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What is the ability-to-repay rule? Why is it important to me?
What is the ability-to-repay rule? Why is it important to me? The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required […]
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