| House Refinance Center |
| Mortgage Help - Protect Your Rights |
| Contact Information |
| The following government agencies and consumer organizations are there to help you and to protect your consumer's rights. Please contact them if you encounter discrimination, or if you suspect that your rights were violated. |
| U.S. Department of Housing and Urban Development 451 7th Street SW Washington, DC 20410 202-708-1112 http://www.hud.gov HUD's Office of RESPA and Interstate Land Sales 202-708-0502 HUD Housing Counselors 1-800-569-4287 (Interactive system) http://hud.gov/offices/hsg/sfh/hcc/hcs.cfm HUD Foreclosure Prevention Information http://www.hud.gov/foreclosure Buying A HUD Home http://www.hud.gov/offices/hsg/sfh/reo/reobuyfaq.cfm FHA-Resource Center 1-800-CALLFHA (800-225-5342) http://www.hud.gov/offices/hsg/sfh/fharesourcectr.cfm Housing Discrimination Issues Office of Fair Housing and Equal Opportunity (see HUD address above) 1-202-708-1112 1-800-800-3088 http://portal.hud.gov/portal.page/portal/HUD/program offices To file a Housing Discrimination Complaint http://www.hud.gov/offices/fheo/online-complaint.cfm Truth in Lending Act, the Equal Credit Opportunity Act, adjustable rate mortgages, and home equity lines of credit The Federal Reserve Board Division of Consumer and Community Affairs 20th and Constitution Avenue Mail stop 801 Washington, DC 20551 202-452-3000 www.federalreserve.gov Foreclosure Prevention Toolkit Federal Deposit Insurance Corporation Division of Compliance 1730 Pennsylvania Ave., 7th Floor Washington, DC 20429 877-275-3342 www.fdic.gov/consumers/loans/prevention/toolkit.html VA-Guaranteed Loans Department of Veterans Affairs Consumer Affairs Service 810 Vermont Avenue NW Washington, DC 20420 800-827-1000 www.va.gov Rural Housing Loan Programs Department of Agriculture Rural Development/Rural Housing Services Mail Stop MC-0701 1400 Independence Avenue SW Washington, DC 20250 202-720-4581 www.rurdev.usda.gov Home Ownership and Equal Protection Act of 1994 (HOEPA) Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue NW Washington, DC 20580 877-382-4357 www.ftc.gov For further information you can contact House Refinance Center: info@houserefinancecenter.com |
| Habitat For Humanity Habitat For Humanity is a non-profit organization that helps people with low-income build and buy houses. Three factors make the houses affordable for low- income people.
ability to pay the mortgage. Many homeowners and their families work alongside volunteers in building the house. The average cost of a Habitat House in the United States is $60,000, and the mortgage term ranges from 7 years to 30 years. There are terms and conditions in place to prevent homeowners from taking advantage of the program by reselling the house after a short time living in it, and making a substantial profit. Refinancing a Habitat house can also be a challenge. The motivation for the refinance will have to be addressed. If you would like to find out more about Habitat For Humanity, and to find out if you qualify for one of their houses, visit their website www.habitat.org for details. |
| Federal Credit Unions National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke Street Alexandria, VA 22314 800-755-1030 Federally Insured Non-Member State-Chartered Banks and Savings Banks Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, MO 64108 877-275-3342 National Banks Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street Suite 3450 Houston, TX 77010 800-613-6743 State Member Banks of the Federal Reserve System Federal Reserve Consumer Help P.O. Box 1200 Minneapolis, MN 55480 888-851-1920 email: ConsumerHelp@FederalReserve.gov www.FederalReserveConsumerHelp.gov Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks Office of Thrift Supervision Consumer Programs 1700 G Street NW 6th Floor Washington, DC 20552 800-842-6929 Mortgage Companies Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue NW Washington, DC 20580 877-382-4357 |
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