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Welcome to the Housing Information website, a project of Consumer Action. The Housing Information site is designed to help you make intelligent and cost-effective home-buying decisions by providing fact-based and unbiased information and tips.
 
 

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CA News & Special Reports

CA News Logo Consumer Action INSIDER - September 2017 The September 2017 issue of Consumer Action's monthly newsletter introduces readers to a housing agency that's using Consumer Action's free resources to help clients; provides information on a California bill that would protect consumers in the event of another Wells Fargo-type scandal; details how the FTC is fighting robocalls; offers detailed information on our upcoming National Consumer Empowerment Conference; and more. (Thursday, August 31, 2017)

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Five Recent Publications

Insuring yourself in the ‘sharing economy’ (Vietnamese)

Insuring yourself in the ‘sharing economy’ (Vietnamese). Nền “kinh tế trao đổi” có thể giúp cho quý vị có nhiều cách kiếm tiền mới, nhưng cũng giống như bất kỳ các nghề buôn bán hay nghề tự do nào khác, nó có các vấn đề về bảo hiểm quý vị nên để ý tới. Ấn bản này giải thích các rủi ro tiềm ẩn liên hệ đến từng loại “trao đổi,” các bảo hiểm nào thường được cung cấp bởi “mặt bằng” liên đới tới người tiêu dùng, bảo hiểm cá nhân của quý vị có thể không đủ bảo vệ ra sao, các lựa chọn nào khác để bảo vệ quý vị hoàn toàn, và tìm thêm nguồn hướng dẫn và trợ giúp ở đâu. 
The "sharing economy" can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of "sharing," what protection is typically available from the "platforms" that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information.

Insuring yourself in the ‘sharing economy’ (Korean)

Insuring yourself in the ‘sharing economy’ (Korean). "공유 경제"는 수입을 벌어들이는 새로운 방법을 제공하지만 모든 사업 또는 자영업과 같이 고려해야할 보험 문제가 있습니다. 이 안내서는 각각의 "공유 경제" 유형과 관련된 잠재적인 위험들, 사용자들을 연결시켜 주는 "플랫폼들"이 일반적으로 제공하는 보험들, 개인 보험이 충분하지 않을 수 있는 이유 그리고 추가 정보를 얻을 수 있는 곳 등에 대해 설명하고 았습니다.
The "sharing economy" can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of "sharing," what protection is typically available from the "platforms" that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information.

Insuring yourself in the ‘sharing economy’

Insuring yourself in the ‘sharing economy’. The “sharing economy” can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of “sharing,” what protection is typically available from the “platforms” that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information.

Money Management 1-2-3: THREE: Planning a Secure Future (Chinese)

Money Management 1-2-3: THREE: Planning a Secure Future (Chinese). Money Management 1-2-3:你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第三部份:規劃安定的未來,為失業預做準備,積存退休金,以及保障已儲存的積蓄。主題內容包括:提升個人投資及房產淨值,擁有足夠的保險,善加處理醫療開支,基本的遺產規劃,以及祖父母輩如需養育下一代的準備工作。 The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part three, Planning a Secure Future, focuses on leaving the workforce, funding your retirement and protecting what you've accumulated. Topics include tapping your investments and home equity, staying adequately insured, managing medical expenses, the basics of estate planning and, for some grandparents, raising a second family.

Money Management 1-2-3: TWO: Achieving Financial Goals (Chinese)

Money Management 1-2-3: TWO: Achieving Financial Goals (Chinese). “Money Management 1-2-3:你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第二部份:完成財務規劃目標,列明如何更新個人預算表,積存老本,以及保護個人資產。主題內容包括:如何處理預算及債務,申報所得稅需知,關於儲蓄和投資,以及成為屋主及購買相關保險等等。 The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part two, Achieving Financial Goals, addresses updating your budget, accumulating a nest egg and protecting your assets. Topics include budgeting and debt management, saving and investing, homeownership and insurance.

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Recommended Publications

Monday, August 07, 2017

New mortgage modifcation program for Fannie Mae and Freddie Mac. NerdWallet explains the new home loan modification program that takes effect October 1, 2017. Flex Modifications are intended to reduce monthly mortgage payments by about 20% and help prevent foreclosure.

Monday, August 07, 2017

Fannie Mae expands access to credit. Fannie Mae will allow new borrowers to increase their debt-to-income (DTI) ratio from 45% to 50% for mortgage loans. Urban Institute believes this increase could add 95,000 new home loans per year, particularly for Black and Latino families. Urban's analysis is that this move will expand credit with little risk.

Friday, September 23, 2016

Spanish-English glossary of real estate terms. A new Spanish-English glossary of commonly used real estate terms has been released to help real estate agents and brokers make the home buying process more manageable for consumers who seek to better understand the complexities of a mortgage transaction in Spanish. The glossary offers both formal and colloquial translations of key mortgage terms.

Friday, September 02, 2016

CFPB issues new foreclosure prevention protections. The Consumer Financial Protection Bureau finalized rules for mortgage servicers that strengthen consumer protections when a home loan is transferred, provide protections for surviving family members who inherit property, and require that certain borrowers be considered for a loan modification more than once.

Friday, September 02, 2016

Reverse redlining case awards nearly $1 million to victims of predatory lending. Here is the story of the first-ever federal jury to have found a lender, Emigrant Savings Bank and Emigrant Mortgage Company (NY), liable for discrimination in the sale of toxic mortgages to Black and Latino homeowners with low credit scores.

More recommended publications »

 

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