Whether you are buying a house or refinancing your mortgage, this information can help you decide if an interest-only mortgage payment (an I-O mortgage)--or an adjustable-rate mortgage (ARM) with the option to make a minimum payment (a payment-option ARM)--is right for you.

Find out about the risks and advantages of an adjustable rate mortgage. Use the Mortgage Checklist to help with your decision. Handbook is designed to help consumers understand an important and complex mortgage option available to homebuyers.

The Homeowners Protection Act of 1998 establishes rules for automatic termination and borrower cancellation of Private Mortgage Insurance on home mortgages. Find out if you qualify.

This Consumer Advisory, issued by the Office of the Comptroller of the Currency (OCC), describes common scams, suggests ways to protect yourself, provides information on U.S. government loan programs and counseling resources, and lists 10 warning signs of a mortgage modification scam.

For consumers who may be having trouble paying their mortgage. Explains options to help save their homes, and how to recognize and avoid foreclosure scams.

Explains how various foreclosure rescue scams work, and where consumers can find legitimate help.

The Federal Reserve Banks have established Foreclosure Resource Centers to help address local and regional challenges in their mortgage markets and local communities. The site contains a map with links to these regional foreclosure centers, where you’ll find resources for small municipalities, housing counselors, and consumer and community groups.

Suggests do's and don'ts when you are dealing with foreclosure.

View a 30-second ad from the Federal Reserve Board directing consumers to free foreclusure prevention resources on the agency web site.

This website provides information that may be helpful to consumers, financial institutions, and the community groups working with them on foreclosure-related issues. 

This booklet explains how property owners can avoid losing their homes because of delinquent payments.

Whether you're in foreclosure now or worried about it in the future, we have the information that can help.
 

Includes terms, tips, a checklist, and information to help you find a plan that meet your needs, and protect your interests.

Practical information and resources to help you make your mortgage payments and keep your home.

Compare monthly mortgage payments and the amount of equity you'll build for up to six types of fixed- and adjustable-rate mortgages.

FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. Consumer News articles issued in 2009 and beyond are being adapted for audio. Individuals are able to click the desired issue to download or listen to the articles in that issue; go to http://treas.gov/cgi-bin/redirect.cgi?http://www.fdic.gov/consumers/consumer/news/audio/index.html. 

The form used by a consumer to file a complaint about a thrift or savings association.

In this edition of the newsletter learn about first-time homebuyer programs, expanding access to affordable homeownership, and helping customers keep their homes.