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Discrimination in mortgage lending is prohibited by the federal Fair Housing Act and HUD's Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law. To learn all you need to know about fair lending practices and laws and how it applies to you follow this link.
ATTENTION BORROWERS! This may be the largest and most important loan you get during your lifetime. You should be aware of certain rights before you enter into any loan agreement.
The "Real Estate Settlement Procedures Act"(RESPA)a HUD consumer protection statue: requires that consumers receive disclosures at various times in the transaction and outlaws kickbacks that increase the cost of settlement services during the home buying process. This act is enforced by HUD.
This particular website explains the deatils on the disclosures: it spells out the costs associated with the settlement, outlines lender servicing and escrow account practices and describes business relationships between settlement service providers.