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  • Member Since: July 24, 2018

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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 […]

210 total views, 2 today

 

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, […]

200 total views, 0 today

 

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 […]

216 total views, 1 today

 

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 […]

202 total views, 1 today

 

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 […]

238 total views, 1 today

 

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 […]

211 total views, 1 today

 

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 […]

214 total views, 1 today

 

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 […]

213 total views, 1 today

 

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 […]

230 total views, 1 today

 

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 […]

236 total views, 2 today

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