
	First Time Home Buyer Newsletter Prepared for Your Subscriber's Full Name		Courtesy of: Your Name Your Company Name Company Phone # Your Website

	Your Rights as a Consumer There are many Federal laws that protect you against predatory lending and other issues.

There are many laws that provide relief for victims of housing discrimination. Rights and remedies can be found in federal laws, as well as laws in the state where you live. What Housing Is Covered? The Fair Housing Act covers most housing. In some circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family housing sold or rented without the use of a broker, and housing operated by organizations and private clubs that limit occupancy to members. What Is Prohibited? In the Sale and Rental of Housing: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap: Refuse to rent or sell housing Refuse to negotiate for housing Make housing unavailable Deny a dwelling Set different terms, conditions or privileges for sale or rental of a dwelling Provide different housing services or facilities Falsely deny that housing is available for inspection, sale, or rental For profit, persuade owners to sell or rent (blockbusting) or Deny anyone access to or membership in a facility or service (such as a multiple listing service) related to the sale or rental of housing.	In Mortgage Lending: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap (disability): Refuse to make a mortgage loan Refuse to provide information regarding loans Impose different terms or conditions on a loan, such as different interest rates, points, or fees Discriminate in appraising property Refuse to purchase a loan or Set different terms or conditions for purchasing a loan. If you feel like you are being excluded from certain neighborhoods or types or homes, immediately contact the U.S. Department of Housing and Urban Development (HUD). Also, contact HUD if you believe you are being discriminated against on the basis of race, color, religion, sex, nationality, familial status, or disability. HUD's Office of Fair Housing has a hotline for reporting incidents of discrimination: 1-800-669-9777 (and 1-800-927-9275 for the hearing impaired). We have provided the following links to the Department of Housing and Urban Development's (HUD) site to help you understand your rights as a homebuyer. This information will help protect you against illegal activities. Fair Housing Laws Homebuyer's Rights Borrower's Rights Buying a Home Additional HUD Resources	You can read all about the Fair Housing Act by clicking on the link. Settlement Services One other important right you have when buying a home is the right to choose your own settlement services. This includes your mortgage broker, title company, appraiser, home inspection company and other services used in conjunction with buying a home. Often times, your Realtor or their broker will steer you to their in-house lender or affiliated mortgage company. It is not illegal for the real estate broker to also have a financial interest in a mortgage company. It is illegal however, for the real estate broker to receive a referral fee from the mortgage company. All I ask is that I have the opportunity to serve you as your mortgage broker. I can provide you with the service that you need to get the best available financing for you. Thank you for staying on this list. You will be receiving some more helpful advice and tips regarding buying a new home. I would also like to ask you a favor. If you know of anyone who is also thinking about buying a home, can you please refer them to me? I want to educate them as I am doing for you, so they can make an informed buying decision.		About My Services I would like to help you with the task of buying a home. To do this, I am able to do the following for you: Evaluate your credit and rental payment history Advise you on the various types of mortgage programs Resolve any issues on your credit report that can affect your mortgage. Determine the largest mortgage for which you qualify Make sure you have all the required loan documents Provide you with a Good Faith Estimate of closing costs Keep you informed as to changes in mortgage interest rates Determine any seller assist that you may ask from a property seller Co-ordinate all aspects of settlement or escrow, including title search, appraisal, paperwork and other services At Your Company Name, we offer mortgages for most buyers, including ones who are self-employed or who have damaged credit. We have lenders who offer 100% financing meaning no down payment for qualified buyers. We also offer mortgages with start rates as low as 1%, making it easier to get into your home. If you have any questions about how I can help you purchase your home, please call me at Company Phone #.