Mortgages common issues

I’m a veteran shopping for a mortgage. I want to use my VA home loan benefit, but some lenders have said they don’t offer VA loans. Can they do that?

My appraisal is less than the sale price. What does that mean for me?

Why is the title insurance premium on the Loan Estimate and Closing Disclosure different from the premium listed on the paperwork I received from the title insurance company? Am I being charged more?

I received a revised Loan Estimate from my lender showing a higher interest rate and increased closing costs. What does this mean?

My loan officer said that I need to express my —Intent to Proceed— in order for my mortgage loan application to move forward. What does that mean?

My loan officer says that I can't apply for a mortgage loan and receive a Loan Estimate until I can provide a copy of a signed purchase contract, is that correct?

What should I do if I find an error in one of my mortgage closing documents?

What should I do if I don’t understand one of my mortgage closing documents?

What should I do if I do not get a Closing Disclosure three days before my mortgage closing?

During my mortgage loan application process, I was given three or four different valuations. What do all the different valuations mean?

How do I dispute an error or request information about my mortgage?

What happens after I complete an application to determine my options to avoid foreclosure?

I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I didn’t meet the qualifications for help. Can I appeal?

I got a letter from my mortgage servicer about my application for help to prevent foreclosure of my mortgage. Can you help me understand some of the terms?

What is arbitration and how does it affect my mortgage loan?

Does my mortgage servicer have to help me avoid foreclosure?

My mortgage lender told me it was exempt from mortgage servicing rules. Is this true?

I was told I’m buying a home that was flipped and that I have to get a second appraisal. How does that work?

My mortgage lender told me it was exempt from the ability-to-repay mortgage rule. Is this true?

I saw an ad for a no-payment reverse mortgage from the Department of Veterans Affairs (VA). Is this legitimate?

What should I do if the house or apartment I’m renting goes into foreclosure?

What do I do if my house was damaged, destroyed, or I’m unable to make my payment after a disaster?

What should I do if I have a reverse mortgage loan and I received a notice of default or foreclosure?

What should I do if I have a reverse mortgage loan and I can’t pay my property taxes or homeowners insurance?

Should I use a reverse mortgage to consolidate my debts?