Helping Elderly Homeowners Victimized by Predatory Mortage Loans
(Separate Website)
Equity-rich, cash poor elderly homeowners are an attractive target for unscrupulous mortgage lenders. Many elderly homeowners are on fixed or limited incomes, yet need access to credit to pay for home repairs, medical care, property or municipal taxes, and other expenses. The equity they have amassed in their home may be their primary or only financial asset. Predatory lenders seek to capitalize on elders' need for cash by offering "easy" credit and loans packed with high interest rates, excessive fees and costs, credit insurance, balloon payments and other outrageous terms.
By: National Consumer Law Center
Home Improvement Scams Alert
(Separate Website)
Many low-income elderly homeowners are targeted by scam artists who use high pressure tactics to sell unneeded and overpriced contracts for "home improvements." Often these scam artists charge more than their quoted prices or their work does not live up to their promises. When the senior refuses to pay for shoddy or incomplete work, the contractor or an affiliated lender threatens foreclosure on the senior's home. In an effort to fight such scams, the National Consumer Law Center focuses this issue of Consumer Concerns for Older Americans on the practices of unscrupulous home improvement contractors. This article concerns information about "Deceptive Sales Tactics", "Deceptive Financing Schemes", "Problems With Contracted Work", and Issues to Consider When Problems Occur.
By: National Consumer Law Center
Home on Wheels: Helping Mobile Home Owners Stay Put
(Separate Website)
Mobile homes are an important source of housing for older Americans. As the cost of housing has increased, mobile homes present a seemingly affordable alternative to elders in need of housing. Approximately 41% of mobile homes occupied as a primary residence are owned or rented by persons age 50 or older. Compared to owners of conventional single-family housing, a much higher proportion of mobile home owners over age 50 are low-income. Despite the popularity of mobile homes, the homes? owners face a wide range of problems. Consumers can run into trouble with the financing, set-up, and the quality of the construction of mobile homes.
By: National Consumer Law Center
Manufactured Homes - Consumers Guide
(Separate Website)
This question and answer page describes what is a manufactured home, the federal regulations which control manufactured homes, financing availability, your rights to your home, and more.
By: Housing and Urban Development
Native American Homebuyer
(Separate Website)
This website, provided by the National American Indian Housing Council, is designed for Native Americans who are interested in homeownership. Here you can find information about land options, the cost of home ownership, keeping up with mortgage payments, and more.
By: National American Housing Council
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