Mortgages basics

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?

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

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 need an attorney or anyone else to represent me when closing on a mortgage?

Do auto and homeowners insurance companies share my information about claims and policies?

For an adjustable-rate mortgage (ARM), what are the index and margin, and how do they work?

How can I tell who owns my mortgage?

How do I manage my monthly mortgage payment?

How do credit reporting companies get my information?

How do mortgage lenders calculate monthly payments?

How does foreclosure work?

How does my credit score affect my ability to get a mortgage loan?

How does paying down a mortgage work?

How much does it cost to receive a Loan Estimate?

How much money can I get with a reverse mortgage loan, and what are my payment options?

How much will a reverse mortgage loan cost?

How should I use lender credits and points (also called discount points)?

I am considering a PACE loan for home improvements. What should I keep in mind before signing up?