Mortgages know your rights

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?

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

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

Does my mortgage servicer have to help me avoid foreclosure?

How long do I have to rescind? When does the right of rescission start?

I am at least two payments behind on my mortgage payments. I tried to pay one month's worth of what I owe, but my servicer said I have to pay the whole amount. Can the servicer do this?

I am married or was previously married, and I am applying for a mortgage loan or home equity line of credit in my own name. Can a lender or broker ask me about my spouse or former spouse?

I am not married but want to submit a joint application for a mortgage or home equity loan with another person. Can we be treated differently from married joint applicants?

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 mailed my mortgage payment before it was due but my servicer received it after the due date and charged me a late fee. Can my servicer do this?

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

I recently declared bankruptcy. Now my mortgage servicer said it’s not allowed to send me a monthly mortgage statement. Is that correct?

I recently inherited a house. The mortgage lender said it’s required to determine my “ability to repay” before it will let me take over the mortgage loan. Is this true?