Q & A: Whom to Contact (Qualifying)

Click a question to jump right to the answer:

  1. How do I select a loan provider?
  2. Where can I get a copy of my credit report?
  3. Where can I get a list of mortgage brokers?
  4. Where can I get information on consumer credit laws?
  5. Where can I learn more about housing discrimination?

How do I select a loan provider?

Shopping for a loan can be an overwhelming process. There are many online services that compare local loan rates, but it is important to remember that these services are just quotes and there are other factors that will impact your final loan rate. Shop around and talk with a few lenders, get good faith estimates, and ask each lender what type of communication and support they provide. Remember, this will most likely be the largest purchase of your life and therefore you will want to select a reputable lender who will answer your questions and stand by you during the loan process.

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Where can I get a copy of my credit report?

To receive a copy of your credit report, contact one of the three national credit report agencies: Equifax, Experian or Trans Union. It is recommended to review your report from all three agencies as each may be different. If you notice any mistakes or discrepancies, contact the agency immediately to correct the report.

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Where can I get a list of mortgage brokers?

The National Association of Mortgage Brokers, www.namb.org, provides data and contact information on mortgage brokers.

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Where can I get information on consumer credit laws?

The Federal Trade Commission, http://www.ftc.gov, provides information and resources regarding consumer credit law and protection.

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Where can I learn more about housing discrimination?

It is illegal to deny housing based on a person’s race, color, national origin, religion, sex, family status or disability. To find out more about housing discrimination, contact the U.S. department of Housing and Urban Development (HUD), www.hud.gov.

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