Mortgage answers

A person I hired to help with my mortgage advised me to stop making payments on my mortgage loan so I could qualify for a loan modification. Do I have to do this?

After I have paid off my mortgage, how do I check if my lien was released?

Am I allowed to negotiate the terms and costs of my mortgage at closing?

Are condo/co-op fees or homeowners’ association dues included in my monthly mortgage payment?

Are there different types of reverse mortgages?

Are there other types of loans that can serve a similar purpose as a HELOC?

Are there situations where I would not have a right of rescission?

As a servicemember, am I protected against foreclosure?

At the mortgage loan closing, do I have to sign if I don't like the terms?

Can I be charged a penalty for paying off my mortgage early?

Can I change my mind after I sign the loan closing documents for my second mortgage or refinance? What is the "right of rescission?"

Can I ever waive my right to rescind on my mortgage loan?

Can I send a QWR, error dispute, or information request to my mortgage servicer no matter what kind of mortgage I have?

Can I use a reverse mortgage loan to buy a home?

Can a lender make me provide documents like my W-2 or pay stub in order to give me a Loan Estimate?

Can a lender or broker ask me about my race, color, religion, national origin, or sex?

Can a lender or broker ask me about the alimony, child support, or separate maintenance payments that I receive?

Can a lender or broker consider my age when deciding whether to give me a mortgage or home equity loan?

Can a lender or broker consider my sex or marital status when deciding whether to give me a mortgage or home equity loan?

Can a lender or broker consider the fact that I am not a citizen of the United States?

Can a lender or broker consider whether I receive income from a public assistance program when deciding whether to give me a mortgage or home equity loan?

Can anyone take out a reverse mortgage loan?

Can my final mortgage costs increase from what was on my Loan Estimate?

Can my partner, family, or dependents live in my home if I have a reverse mortgage?

Do I have the right to receive a copy of my home appraisal?