Mortgages & Borrower Protection
Understand what you are signing, where your money goes, and how to challenge charges that do not make sense.
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Course Lessons
Interactive Mortgage Points Calculator
Calculate the upfront cost of discount points.
To calculate a break-even period, compare the monthly principal-and-interest payments for both quoted rates. The cost of points divided by monthly savings gives a simple break-even estimate; taxes and other factors may change the comparison.
Borrower Protection & Complaints
- CFPB — Buying a House
- File a CFPB Complaint
- NMLS — Verify Mortgage Licensing
- Florida Office of Financial Regulation
Complaint Preparation Checklist
Save the original Loan Estimate, all revised estimates, every Closing Disclosure, rate-lock documents, emails, receipts, and the final settlement statement.
Prepare a dated timeline. Identify the precise amounts in dispute. Request a transaction-by-transaction reconciliation, supporting documents, and an independent written response.
Important: A complaint is not proof of misconduct. Different legal rights and deadlines apply to origination, closing, and mortgage servicing disputes.