Board of Governors of the Federal Reserve System

Resources for Consumers

Mortgages

• Consumer's Guides to:
  • A Consumer's Guide to Mortgage Lock-Ins
  • A Consumer's Guide to Mortgage Refinancings
  • A Consumer's Guide to Mortgage Settlement Costs (PDF)
• What You Should Know about Home Equity Lines of Credit
  (on the website of the Consumer Financial Protection Bureau (CFPB). For questions contact: http://www.consumerfinance.gov/contact-us/)
• Consumer Handbook on Adjustable-Rate Mortgages (ARM) (PDF)
  (on the website of the Consumer Financial Protection Bureau (CFPB). For questions contact: http://www.consumerfinance.gov/contact-us/)
• Refinancing
  • Home Affordable Refinance Program (HARP)
    (On the Making Home Affordable website)
  • FHA Refinance for Borrowers with Negative Equity
    (On the Making Home Affordable website)

Foreclosures

• Federal Reserve System
  • Independent Foreclosure Review
  • Federal Reserve System Foreclosure Resource Centers
• Department of Treasury
  • Making Home Affordable
• Department of Housing and Urban Development
  • Guide to Avoiding Foreclosure
  • Housing Counseling Agencies
  • How to Avoid Foreclosure (PDF)
• Department of Justice
  • Credit Counseling Agencies Approved Pursuant to 11 U.S.C. § 111
• Federal Housing Administration
  • You Can Avoid Foreclosure and Keep Your Home
• Federal Trade Commission
  • Credit & Loans
  • Credit Repair: How to Help Yourself
  • Mortgage Relief Scams
  • Trouble Paying Your Mortgage or Facing Foreclosure?
• Internal Revenue Service
  • Q&A on Home Foreclosure and Debt Cancellation
• NeighborWorks® America
  • Homeownership Tips
• Office of the Comptroller of the Currency
  • Avoiding Mortgage Modification Scams and Foreclosure Rescue Scams