Homeowners - Beware of This Scam

 

You could be victimized by a scam where someone tries to lure you into applying for a loan secured by your home.

 

The Federal Reserve put out that warning recently in response to questions and complaints from people about direct-mail solicitation scams that describe a "Community Reinvestment Act Program" that entitles certain homeowners to cash grants or equity payments.

 

"Some of these solicitations may be read to indicate that the Federal Reserve endorses or supports the offers they contain," the Fed said.

 

"These solicitations appear to be a deceptive effort to encourage consumers to apply for a mortgage loan secured by the consumer's home."

 

In a prepared statement, "The Federal Reserve cautions the public about loan solicitations or other offers from lenders or mortgage brokers that offer consumer cash grants or equity disbursements as part of a 'CRA Program."

 

There is a 1977 federal law called the Community Reinvestment Act.  But that law does not entitle people to grants or loans.

 

If there is any area of the home buying process that you have a question about and would like for us to post a tip about it here, leave us a comment or question below and we'll cover that for you in a future post.

 

 

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