Home

1-25 of 34

Borrowers with Federal Student Loans can speak to trained counselors to discuss forgiveness programs and/or programs to reduce monthly payments. Callers may be eligible for smaller payments due to family size, amount of debt, hardship, and other circumstances. Counselors will match callers with appropriate government programs such as SAVE, PAYE, PSLF among others for the most relief.

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance

Offers mortgage delinquency counseling, foreclosure intervention, and reverse mortgage counseling.

Certified consumer credit counselors provide confidential services free of charge. Customized services provided in person, by phone, or by internet/email include:

- Financial Counseling

- Credit Report Counseling

- Debt Management Plans

- Education and Workshops

- Comprehensive Housing Counseling

Debt management plan assists clients who enroll in the program with managing their budget.

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Debt counseling at low cost.

Budgeting assistance.

Pre-filing bankruptcy counseling.

Help interpreting credit reports.

Housing education and counseling.

Community education and speaker's bureau, educational information for companies experiencing layoffs.

Categories

Personal Financial Counseling
Housing Counseling
Financial Literacy Training
Debt Management
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance
Helps low-income Americans in financial distress file Chapter 7 bankruptcy at no cost. Combines technology with pro bono attorneys. The legal team includes lawyers, engineers, and judges.

Categories

Debt Management
Housing counseling, foreclosure counseling. Closing cost assistance for homebuyers. Some funds available for households in foreclosure due to COVID.

Categories

Community Development Corporations
Housing Down Payment Loans/Grants
Housing Counseling
Debt Management
Mortgage Payment Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Offers credit counseling, debt relief and management through budget and credit counseling restructuring of monthly debt payments. Types of debts in which CCS can be most beneficial to clients are credit card, medical bills, and finance company debts. Target population are clients that generate enough income to cover their monthly living expenses but run short each month on their debt servicing.

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

Human Trafficking Legal Assistance
Child Support Assistance/Enforcement
Legal Representation
Tax Information
Domestic/Family Violence Legal Services
Patient Rights Assistance
Certificates/Forms Assistance
Welfare Rights Assistance
Discrimination Assistance
Labor and Employment Law
Protective/Restraining Orders
Advance Medical Directives
Adoption Legal Services
Debt Management
Consumer Law
Legal Information Services
School System Advocacy
Veteran Benefits Assistance
General Legal Aid
Child Custody/Visitation Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
Landlord/Tenant Assistance
Offers farmers and ranchers mediation as an effective means to resolve agricultural disputes. The mediation process maintains confidentiality, fosters positive relationships, allows participants a voice in the solution and is cost effective.

Free one-on-one clinics are held monthly at various sites throughout Nebraska. Professionals provide education and resources on mediation, farm finances, legal matters, farm succession planning and USDA farm programs.

Negotiates with current creditors to lower or eliminate the interest rate (typically to 2% to 8%) and have clients debt-free in five years or less. There is no prepayment penalty. Clients can leave the program at any time, although the creditors may return the interest rates to previous levels. Regardless of how many creditors are owed, this program works on a single, consolidated monthly payment.

Categories

Debt Management
Personal Financial Counseling

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Categories

Debt Management
Landlord/Tenant Assistance
Public/Subsidized Housing Appeals Assistance
Offers free mortgage counseling for homeowners and will help with a third-party mediation to help get modifications on home loans. Works in conjunction with Iowa Legal Aid if legal services are needed during the advocacy process.

Categories

Debt Management
Mediation
Home Purchase/Mortgage Refinance Loans