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Help Your Clients Understand Today's Mortgages

These brochures will help prospective buyers make informed decisions on which kind of mortgage is best for them.

Specialty (Non-Traditional) Mortgages: What are the Risks and Advantages?
Produced jointly by NAR and the Center for Responsible Lending, this brochure is one more way you can help prospective buyers make an informed decision about the kind of home financing that is best for them. It will help your clients assess the risks and advantages of interest-only, negative amortization, payment option ARM, and 40-year mortgages. Available in English and Spanish. Learn more

Traditional Mortgages: Understanding Your Options
With the rise of specialty (non-traditional) mortgage options, consumers have more choices than ever before when shopping for a mortgage. While specialty mortgages may help make homeownership more affordable, they generate more risk and consumers should understand these risks before they choose a mortgage. This brochure, also produced jointly by NAR and the Center for Responsible Lending, explains that for most consumers, traditional fixed-rate mortgages and adjustable-rate mortgages (ARMs) continue to be excellent options. Available in English. Learn more

Learn About FHA Mortgages
The Federal Housing Administration has made significant improvements to its mortgage insurance programs. Many aspects of the FHA application process have been streamlined to make it more user-friendly and efficient. This brochure, produced by NAR, FHA, and the Department of Housing and Urban Development, outlines the changes to FHA and how to qualify for an FHA mortgage, and other resources available from FHA, HUD, and NAR. Available in English.
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How to Avoid Predatory Lending
Finding an affordable home loan with fair terms and reasonable costs is a crucial step towards achieving homeownership. Unfortunately, home buyers need to be aware that some lenders offer predatory loans that take advantage of consumers. This brochure, produced jointly by NAR and the Center for Responsible Lending, identifies the warning signs of predatory loans. It also gives consumers tips on how to avoid them, including questions they should ask when shopping for a loan. Available in English.
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