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Current Stuff Recent developments and upcoming changes in mortgage lending affect everything from the cost of credit to its availability.  How credit is disclosed, when disclosure occurs, the form it's disclosed, and everything important to mortgages, privacy or credit are introduced then archived in this section.  Applying for a Mortgage Applying for a mortgage is fairly simple.  Your pick of safe and sound application options include: face-to-face, by phone, by mail, and online.  How to apply, preparing for the application, and what to expect at application are frequently discussed topics.  This section covers the application process and much more. Appraisals The valuation process has turned contentious as home values decline.  The cost of an appraisal nearly doubled while many veteran appraisers abandoned long-term careers to survive substantial income reductions they were forced to agree to.  What everyone needs to know about appraisals is here. Mortgage Programs Buying a first home, refinancing a home, moving up to a larger home, or economizing; the mortgage market offers a variety of options.  Twenty percent down and a twenty-year fixed mortgage is not the only choice, and it's one of several issues here.   Disclosure The Rules and Regulations, past and present, affect lender conduct as well as the cost of a mortgage.  These rules not only set how loan terms are disclosed, they define when and how disclosure should happen.  More importantly, there are quite a lot of them and they safeguard the public from unfair, deceptive, and predatory acts or practices. Renovation Mortgages Here we tackle the subject of renovation lending.  The popularity of rehabilitation or "rehab" lending programs is often the result of economic developments and credit availability.  Read More  203ks Contractor Bid (example) Mold: Currently, there are no EPA regulations or standards for airborne mold contaminants. Learn more about mold at the EPA Mold and Moisture site.