How to Spot and Avoid Predatory Lending

Predatory lenders promise loans that are "too good to be true" and pressure borrowers to take them on the spot. Here's a few things you or your family and friends should know about spotting and avoid predatory loans:

How to Spot a Predatory Loan

*Balloon payments.

*High interest rates.

*Monthly payments you can't afford.

*Penalties for early pay-off of the loan.

*Unauthorized refinancing of your loan.

Abusive Practices: 7 Signs of Predatory Lending

1. Single Premium Credit Insurance

Credit insurance premiums should not be financed into the loan up-front in a lump-sum payment. One type of credit insurance, credit life, is paid by the borrower to repay the lender should the borrower die. The product can be useful when paid for on a monthly basis. When it is paid for up-front, however, it does nothing more than strip equity from homeowners.

2. High Fees

The borrower should not be charged fees greater than 3% of the loan amount (4% for FHA or VA loans). Points and fees (as defined by HOEPA) that exceed this amount (not including third party fees like appraisals or attorney fees) take more equity from borrowers than the cost or risk of subprime lending can justify.

3. Prepayment Penalties

Subprime loans should not include prepayment penalties, for the following reasons:

Prepayment Penalties Haunt Many Refinancers

Prepayment penalties trap borrowers in high-rate loans, which too often leads to foreclosure. The subprime sector should provide borrowers a bridge to conventional financing as soon as the borrower is ready to make the transition, though prepayment penalties are designed to prevent this from happening.

Prepayment penalties are hidden, deferred fees that strip significant equity from over half of subprime borrowers. Prepayment penalties of 5% are common. For a $150,000 loan, this fee is $7,500, more than the total net wealth built up over a lifetime for the median African American family.

Only 2% of borrowers accept prepayment penalties in the competitive conventional market, while, according to Duff and Phelps, 80% in subprime do.

4. Yield-Spread Premiums

Brokers originate over half of all mortgage loans, and a relatively small number of brokers are responsible for a large percentage of predatory loans. Lenders should identify -- and avoid -- these brokers and refuse to pay yield-spread premiums -- fees lenders rebate to brokers in exchange for placing a borrower in a higher interest rate than the borrower qualifies for.

5. Steering

Lenders should make sure that borrowers get the lowest-cost loan they qualify for. As Fannie Mae and Freddie Mac have shown, subprime lenders charge prime borrowers who meet conventional underwriting standards higher rates than necessary. HUD found that steering has a racial impact since borrowers in African-American neighborhoods are five times more likely to get a loan from a subprime lender -- and therefore pay extra -- than borrowers in white neighborhoods.

6. Mandatory Arbitration

Increasingly, lenders are placing pre-dispute, mandatory binding arbitration clauses in their loan contracts. These clauses insulate unfair and deceptive practices from effective review and relegate consumers to a forum where they cannot obtain injunctive relief against wrongful practices, proceed on behalf of a class, or obtain punitive damages. Arbitration can also involve costly fees, be required to take place at a distant site, or designate a pro-lender arbitrator.

7. Flipping

Flipping of borrowers occurs through repeated fee-loaded refinancings. One of the worst practices is for lenders to refinance subprime loans over and over, taking out home equity wealth in the form of high fees each time, without providing the borrower with a net tangible benefit.

How to Avoid a Predatory Loan

*Always shop around.

*Ask questions.

*If you don't understand the loan terms, talk to someone you trust to look at the documents for you.

*Don't trust ads promising "No Credit? No Problem!"

*Ignore high-pressure sales tactics.

*Don't take the first loan you are offered.

*Remember that a low monthly payment isn't always a 'deal.' Look at the TOTAL cost of the loan.

*Be wary of promises to refinance the loan to a better rate in the future.

*Never sign a blank document or anything the lender promised to fill in later.

To get help, contact one of these national organizations. National Organizations for Predatory Lending Issues

-ACORN (Association of Community Org's for Reform Now)

-AARP

-Better Business Bureau

-Consumer Federation of America

-Consumer.gov (US Consumer Gateway)

-Consumers Union

-Credit Union National Association (CUNA)

-Federal Reserve Board Consumer Information

-Federal Trade Commision, Consumer Protection

-Habitat for Humanity International

-National Association of Attorneys General

-National Association of Consumer Advocates

-National Consumer Law Center

-US Public Interest Research Group (PIRG)

http://www.educationcenter2000.com/national_organizations

Mr. Kenneth M. DeLashmutt is a recognized authority on the subject of predatory lending practices and is a Predatory Lending Defense Specialist. He has more than 10 years experience in the area of consumer protection related to predatory mortgage lending practices and debt resolution.

Mr. DeLashmutt has provided financial, operations and regulatory consulting services nationwide to financial institutions, and regulatory agencies as well as real-estate and financial services organizations for over ten years.

Areas of Expertise include: Banking Operations & Administration; Lending Policies, Custom & Practice; Credit Administration; Bankruptcy and Foreclosures; Trust & Fiduciary Issues / Operations; Insurance Coverage's / Claims Disputes; Insurance Bad Faith; Real Estate Transactions; Consumer Protection Litigation; Foreclosure Defense

email: educationcenter2000@cox.net

website: http://www.educationcenter2000.com

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/porter-bancorp-inc-announces-continued/story.aspx%3Fguid%3D%257B6003C30B-C6E8-4BB3-A138-4AF47CC2CD09%257D%26dist%3Dhpprcid=1258131367ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNFIIHPfJbEB7dUD3S5qdhWB04iNYAPorter Bancorp, Inc. Announces Continued Growth in Third Quarter b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1The Company also reported a 24.9% increase in bloans/b to $1.3 billion and a 21.5% increase in deposits to $1.3 billion compared with the third quarter of 2007 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://uk.sys-con.com/node/710487cid=1258131367ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNF0-MsS73kqfd8xoexDjTqajuTfOAAlliance Financial Announces Record Third Quarter Earnings/a font size=-1 color=#6f6f6fnobrSYS-CON Media/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://sev.prnewswire.com/banking-financial-services/20081015/NY3907615102008-1.htmlcid=1258131367ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNH1DxSD7G1UJ_goDr-SlSYxWrDByAHudson City Bancorp, Inc. Reports Record Quarterly Earnings of b.../b/a font size=-1 color=#6f6f6fnobrPR Newswire (press release)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://newsticker.welt.de/index.php%3Fchannel%3Dfin%26module%3Dsmarthouse%26id%3D793760cid=1258131367ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHCl1CsPwhefzKHlURGgJOig-JnLARiver Valley Bancorp Announces 20+% Improvement in Earnings for b.../b/a font size=-1 color=#6f6f6fnobrWELT ONLINE/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/indiana-community-bancorp-announces-third/story.aspx%3Fguid%3D%257BE029E3F3-EAC7-4D85-BED0-D176BFC44222%257D%26dist%3Dhpprcid=1258131367ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNG3dZoCYw5ub1PK__tG-YYswEfsnQnobrMarketWatch/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258131367hl=ennobrall 33 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.msnbc.msn.com/id/27198870/cid=1258201722ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNF8fuCTTJMjeRf-9XJUsue9QufNDwHelp on bloans/b, budgets, investments, more/abrfont size=-1font color=#6f6f6fMSNBCnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1Q: My son just graduated with his masters and now owes tens of thousands of dollars in government student bloans/b. Should he consolidate these bloans/b? b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE49E96820081015cid=1258239109ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHXLQ8uY7-aHig0XwWJ0xZwt9TWzwimg src=http://news.google.com/news?imgefp=mY4370ovW9UJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081015%26t%3D2%26i%3D6397180%26w%3D192%26r%3D2008-10-15T194837Z_01_BTRE49E1J1700_RTROPTP_0_BUSINESSPRO-US-CITIGROUP-RESEARCH width=80 height=54 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssEnergyNews/idUSLF4857120081015cid=1258239109ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNFew3CybHSQ2beCwTGyayGE1exYzwRussia power firms seek state bloans/b to fund capex/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1MOSCOW, Oct 15 (Reuters) - Russian electricity companies are appealing to the government for cheap bloans/b as the credit crisis pushes lending rates to 25-30 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/marketsNews/idUSN1534124820081015cid=1258239109ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHgEgHWwGh9_z7XCZqet0wA66Pv4gUPDATE 1-Feds investigate Washington Mutual failure/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/marketsNews/idUSN1347380620081013cid=1258239109ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNFNlK45iza6hNcN-2j22CDbtHhikwMexico#39;s banks#39; credit outlook could worsen-Moody#39;s/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258239109hl=ennobrall 843 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5hZS7w8aP5H6XFC-ZMBJ7vEYvnc7QD93QV8E80cid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHFkQYKAKtMF7-xEpMD6bPfKk75CAimg src=http://news.google.com/news?imgefp=PmFvevHr_2IJimgurl=ap.google.com/media/ALeqM5hKUfgQNxovcj3Bmv91XnrpUl6szg width=80 height=53 alt= border=1brfont size=-2The Associated Press/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/louisville/stories/2008/10/13/daily29.htmlcid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNEeosNRd14Ng2pgqSxrWOmouSy9nABad bloans/b drag down Chase in 3Q/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1The latest results include $1.2 billion in bloan/b loss reserves and a $581 million gain connected with its acquisition of Washington Mutual’s banking b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usnews.com/blogs/the-home-front/2008/10/15/jpmorgan-earnings-down-credit-costs-way-up.htmlcid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHs0Mkc5vchzNQDrJ88WaYZC0QSLgJPMorgan: Earnings Down, Credit Costs Way Up/a font size=-1 color=#6f6f6fnobrU.S. News World Report/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DaOCReVsxGMsY%26refer%3Duscid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHPXkvLUn8AO6092lM2eMxhvTBsfQJPMorgan#39;s Dimon Plans for More bLoan/b Losses as Economy Weakens/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.timesgazette.com/main.asp%3FSectionID%3D1%26SubSectionID%3D1%26ArticleID%3D157960%26TM%3D34135.61cid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNGSSL-tzVRwehHcjUYy94M5YCBFuQWaMu can withdraw its offer/a font size=-1 color=#6f6f6fnobrHillsboro Times Gazette/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://business.theage.com.au/business/jpmorgan-profit-slumps-20081016-51pb.htmlcid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNFfDko4P1NzDmUwE8JfCZZRvEFtZwnobrThe Age/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/16/business/16bank.html%3Fhpcid=1258078993ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNEG9m1JdlXLHCAzQxLSoFeZg0iahgnobrNew York Times/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258078993hl=ennobrall 400 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.javno.com/en/economy/clanak.php%3Fid%3D192764cid=1258069077ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNF1mmYXJ-HTjAvuX33ERhgArH0WTAimg src=http://news.google.com/news?imgefp=C_YpfMYkVVgJimgurl=www.javno.com/slike/slike_3/r1/g2008/m10/y184889561430099.jpg width=80 height=60 alt= border=1brfont size=-2Javno.hr/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUSLAK00025720081015cid=1258069077ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNHVeKU5lsZ3zbsNAQMrwOlH9k0nHgBoE offers unlimited 7-day dollar bloans/b/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1LONDON, Oct 15 (Reuters) - The Bank of England said it would offer unlimited seven-day dollar bloans/b on Wednesday in addition to its regular offer of $10 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/15/afx5555897.htmlcid=1258069077ei=eGL2SPmQHomE6QPAx8yTCQusg=AFQjCNFYzyCqkwrGnC4XQ4ERY1UWcOleggBoE overnight drain falls short of target/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258069077hl=ennobrall 22 news articles/nobr/a/font/div/font/td/tr/table
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