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2. Loan modification in the United States - Wikipedia

   en.wikipedia.org/wiki/Loan_modification_in_the...

   Loan modification is the systematic alteration of mortgage loan agreements that help those having problems making the payments by reducing interest rates, monthly payments or principal balances. Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure.

3. What is the Home Ownership and Equity Protection Act (HOEPA)?

   www.aol.com/finance/home-ownership-equity...

   The Home Ownership and Equity Protection Act (HOEPA) is a federal law that aims to protect consumers from predatory mortgage lending. ... HOEPA requires that borrowers undergo pre-loan counseling ...

4. Real Estate Settlement Procedures Act - Wikipedia

   en.wikipedia.org/wiki/Real_Estate_Settlement...

   For example, a lender advertising a home loan might have advertised the loan with a 5% interest rate, but then when one applies for the loan one is told that one must use the lender's affiliated title insurance company and pay $5,000 for the service, whereas the normal rate is $1,000. The title company would then have paid $4,000 to the lender.

5. How to clean up credit reports - AOL

   www.aol.com/finance/clean-credit-reports...

   More housing options: Landlords may check your credit to gauge how likely you are to pay your rent on time. Bad credit could limit your access to housing. Bad credit could limit your access to ...

6. Loss mitigation - Wikipedia

   en.wikipedia.org/wiki/Loss_mitigation

   Lenders sold pools of these mortgage loans to investment firms who packaged and resold them in the market in the form of bond issues. The investment firms weren't naive to the quality of the mortgages, so they purchased credit default swaps (a type of insurance product without technically being insurance) for protection of inevitable default.

7. How to get a student loan refund if you paid during pandemic

   www.aol.com/finance/student-loan-refund-paid...

   For example, if a borrower paid $100 a month for 10 months of the pandemic and their balance is now $8,000, that $1,000 will automatically be refunded. Then they can apply to get the rest of their ...