{"id":3583,"date":"2023-02-06T13:43:37","date_gmt":"2023-02-06T13:43:37","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3583"},"modified":"2023-04-26T19:25:52","modified_gmt":"2023-04-26T19:25:52","slug":"faillites-forclusions-divorce-26","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/fr\/faillites-forclusions-divorce-26\/","title":{"rendered":"Why The CFPB Is Important For Your Mortgage Negotiations"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3583\" class=\"elementor elementor-3583\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8faa9e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8faa9e9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ea94e4\" data-id=\"8ea94e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0788fe0 elementor-widget elementor-widget-heading\" data-id=\"0788fe0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Why The CFPB Is Important For Your Mortgage Negotiations<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05f0f5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05f0f5b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-392c6f2\" data-id=\"392c6f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f6c190 elementor-widget elementor-widget-video\" data-id=\"3f6c190\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/PgyB6AIesAs&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65fa554 elementor-widget elementor-widget-text-editor\" data-id=\"65fa554\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Who Is The Consumer Financial Protection Bureau And Why Are They Important To You?<\/strong><\/p><p>The Consumer Financial Protection Bureau (CFPB) was established in 2011 and among other things is tasked with protecting consumers from irresponsible mortgage lending. It requires lenders to ensure prospective buyers can repay their mortgage. The rule also protects borrowers from risky lending practices such as \u201cno doc\u201d and \u201cinterest only\u201d features that contributed to many homeowners ending up in delinquency and foreclosure after the 2008 housing collapse.<\/p><p>The CFPB requires lenders to qualify borrowers by collecting financial information, which once supplied by the borrower is verified by the lender. A borrower has to have sufficient assets or income to pay back the loan and lenders cannot charge excess fees, have toxic loan features and must cap how much income can go toward debt.<\/p><p><strong>Congress created the CFPB to ensure that reckless lending practices would never happen again with a simple message to American families: We\u2019ve got your back.<\/strong><\/p><p>\u2022 Thus far, CFPB enforcement and supervisory efforts have resulted in approximately $14.4 billion in relief for consumers, and $1.7 billion in civil penalties.<\/p><p>\u2022 The bureau has delivered economic redress to more than 183 million consumers and consumer accounts.<br \/>\u2022 Know more about the CFPB and what they can do for you by going to their website. These guys are tough. The CFPB is your mortgage lending watch dog and believe me, if you\u2019re not happy with your lender and you file a complaint, your lender will suddenly sit up and take notice.\u2003<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Why The CFPB Is Important For Your Mortgage Negotiations Who Is The Consumer Financial Protection Bureau And Why Are They Important To You? The Consumer Financial Protection Bureau (CFPB) was established in 2011 and among other things is tasked with protecting consumers from irresponsible mortgage lending. It requires lenders to ensure prospective buyers can repay [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3583","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why The CFPB Is Important For Your Mortgage Negotiations<\/title>\n<meta name=\"description\" content=\"Learn about Consumer Financial Protection Bureau (CFPB) and why it is important for your Mortgage Negotiations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heideinternational.com\/fr\/faillites-forclusions-divorce-26\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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