Ask the Experts – Questions about Mortgages & Homeownership

Our experts answer your questions about mortgages and managing your greatest asset effectively.

Owning a home is one of the greatest investments you can make – for your finances and for your family, too. You have the benefit of building equity on tangible asset. It can even help foster a good credit score as long as you stay on top of the payments, because it counts as a good type of debt to hold. On the other hand, problems with your mortgage can bring on more stress, because your biggest asset and the place your family calls home can both be at risk.

With that in mind, we’ve created this section to answer questions about mortgages, homeownership, buying a home and even how to avoid foreclosure. This information can help you manage your mortgage effectively and avoid problems. If you don’t see the answer you need or would like more information on a topic, fill out the form to the right and we’ll get back to you within 48 hours. You can also call to speak with a certified credit counselor now so you can ask your question directly.

    • Successful home sales

      The homebuying process can be complex and even intimidating if you don’t know what to expect. HUD-approved homebuyer workshops help firs-time buyers learn about the process so they know how navigate it to get approved.

    • Mortgage insurance protects your home and the lender

      If you plan to make a down payment of less than 20 percent on your mortgage, expect to face the added cost of mortgage insurance. Learn what Private Mortgage Insurance (PMI) is and how it can affect your bottom line when you buy a home.

    • Home equity loans can be risky

      If you need cash but don’t have it in the bank, where do you turn? If you’re a homeowner, you may be considering using a home equity loan. Expert Gary Herman explains helps you decide if getting the cash is worth putting your home at risk.

    • Can you qualify for a mortgage?

      Having bad credit doesn’t necessarily mean that homeownership is out of your reach. If you want to buy a home but you’ve had debt problems, we can help you understand the lending options available to people with less-than-perfect credit.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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