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Amazon.com: House Of The Dead 2: Computer & Video Games Your Store Computer & Video Games See All 32 Product Categories   Your Account | Cart | Wish List | Help | browse by system | top sellers | new & future releases | kids & family | game hardware | outlet Search Amazon.com Video Games Used Video Games Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . ITEM INFORMATION Explore this item buying info accessories product description customer reviews See more by this manufacturer Sega of America, Inc. Customers also bought these other items... Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS ITEM I dislike it I love it! 1 2 3 4 5 Edit your ratings 7 used & new from $12.95 A9.com users save 1.57% on Amazon. Learn how . Have one to sell? House Of The Dead 2 Other products by Sega of America, Inc. Platform: Sega Dreamcast Availability: Available from these sellers . 7 used & new from $12.95 ESRB Rating: Mature (Content suitable for ages 17 or older.) See more pictures | Accessories Note to Customers: Gore, Horror, Mature Content, Realistic Violence (what this means) Features: Blow away killer zombies 6 levels of intense shooting action Based on the smash arcade shooter Branching levels and storyline Use a lightgun (sold separately) for maximum blasting Amazon.com Sales Rank: Today: #4,737 in Computer & Video Games , #16,632 in Electronics Yesterday: #3,699 in Computer & Video Games , #12,400 in Electronics Manufacturer's age: 17 years and up Shipping: Currently, item can be shipped only within the U.S. ASIN: B00000K4BU Item model number: 51002 Dimensions: 5.50 inches x 0.50 inches x 5.00 inches Date first available at Amazon: August 15, 2000 Average Customer Review: Based on 100 reviews. Write a review . Customers who bought this itemalso bought these items: Zombie Revenge by Sega of America, Inc. Sega Dreamcast Console by Sega of America, Inc. Jet Grind Radio by Sega of America, Inc. Resident Evil:Code Name Veronica by Capcom Explore Similar Items : 19 in Computer & Video Games What similar items do customers ultimately buy after viewing this item? 34% buy The House of the Dead III by Sega of America, Inc. 23% buy Evil Dead: Hail to the King by THQ 21% buy this item(House Of The Dead 2by Sega of America, Inc. 7% buy House of The Dead by Sega of America, Inc. 1% buy SEGA House of the Dead 2 by Activision Explore Similar Items : 9 in Computer & Video Games Product Description Editorial Review Direct from the arcades to the Dreamcast, Sega has a sure-fire smash on its hands with this near arcade-quality translation of popular zombie shooter House of the Dead 2 . Most fast-action gaming fans will immediately dive into the basic premise of this game: shoot and destroy the zombies that have invaded the creepy haunt known as the Curien Mansion. For what it's worth, however, House of the Dead 2 does contain a pretty intriguing plot that moves beyond the simplistic point-and-shoot genre. In addition to the fast-moving action, there are several subplots that shed light on the darker secrets lurking within this eerie, zombie-infested environment. Gameplay can be set to accommodate several skill levels, including easy, medium, and hard game settings. Even if you manage to master this game, there are several alternative plot and game paths that will keep you coming back for more. Your shooting patterns and on-screen actions will determine the plot path and gaming areas that you can explore. Skilled shooters and well-trained zombie slayers will be rewarded with secret game areas and unusual plot twists. By saving the lives of innocent bystanders, you will usually be able to take a shorter path to the end of the game level. In addition, you'll often gain health bonuses that enable you to play longer. If you complete the game without allowing any hostages to die, you'll even unlock a secret bonus room. A few years ago, Sega disappointed some hardcore fans with its less-than-perfect home translation of the original House of the Dead game. With House of the Dead 2 , Sega has fully redeemed itself. The Dreamcast is the only home game system with the processing power to do the arcade game justice--and it shows. We just about drooled over the graphics, which have to be seen to be believed. The home version even expands beyond the arcade gameplay with exclusive new levels, including a training mode that helps you practice your shooting skills before you enter the game. There are also several never-before-seen secret game areas that were developed exclusively for the Dreamcast. The only disappointment here is Sega's decision not to include the light gun accessory with this title. You can play with a basic Dreamcast controller, but the game was designed with the light gun in mind. Without a light blaster, it's just not as fun. It's a good thing that third-party companies, such as InterAct, are already offering light guns that are compatible with the Dreamcast. We highly recommend purchasing this separately sold light gun accessory; it makes the game infinitely more enjoyable and, frankly, some of the harder areas of the game are almost impossible to beat without it. --Brett Atwood Pros: Near perfect arcade-to-home translation Multiplayer support with a second Dreamcast controller or light gun (sold separately) Exclusive levels developed only for the Dreamcast Multiple game paths Cons: Gameplay suffers without optional light gun accessory GameSpot Review The often-used phrase "Virtua Cop meets Resident Evil" doesn't quite do Sega's zombie-blasting arcade gun-game series justice, but it's certainly close enough to give you the general idea of what the House of the Dead series is all about. In it, you're part of a government agency in charge of stopping the machinations of the nefarious and incredibly monotone Goldman, a suit-wearing evil mastermind intent on wiping out the human race with his monster hordes for reasons that never really quite... read more See all product description... Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: The Best Zombie shooter! , May 3, 2000 Reviewer: A. Griffiths "Adrian" (London)- See all my reviews There still aren't that many Dreamcast games out than can be called "must-haves", but "House Of The Dead 2" is definitely one of them. But do you need the gun to play it? YES! Otherwise, it will be nowhere near as much fun and almost impossible to beat it, as the monsters are often zipping all over the screen at great speed. The game is extrememly hard anyway, even set on the "very easy" level (!), and the first few times you play it you will be killed long before the final battle, but the game would be over far too quickly if it were easy. The feel good factor from final victory, however, is always worth waiting for. Every aspect of the graphics is fantastic, the zombies are incredibly detailed, especially in close up, and the backgrounds are beautifully realised. Replay value comes from the many different paths you can take through the zombie-infested town. These paths depend on the speed and accuracy of your shooting, and you will enjoy replaying the game to try and hit those tricky targets, and save the innocent civilians, some of which are extremely difficult to rescue. Also added is "Original Mode" in which you build up a store of power-ups and life-ups, and even some bizarre different weapons and character-modifiers that appear in secret spots in the course of the game. You really need a VMU for this mode, although you can enjoy the arcade game without one (there are no save points during gameplay). Add to this the training exercises, and you have an arcade experience that is not only transported identically into your living room, but also enhanced with many extras! The game is above all fun to play, as it requires no serious investment of time or thought. You can pick it up at any time, and start blasting the undead! Was this review helpful to you? ( Report this ) Dreamcast classic , January 20, 2002 Reviewer: N. Durham "Big Evil" (Reading, PA)- See all my reviews One of the first games released for the Dreamcast, House of the Dead 2 is an instant classic. The game is identical to the arcade smash with the inclusion of exclusive Dreamcast levels, and the graphics and detailed zombies will leave your mouth watering. The voice acting is pretty bad though, making the voice acting from the first Resident Evil look like Shakespearian acting, but that is overlooked by the shoot 'em up action. A light gun is strongly recommended, but the standard DC controler works just as well, somewhat. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 2 people found the following review helpful: Not perfect but fun , October 9, 2004 A Kid's Review I only have this because I have Xbox's House of the Dead 3.The House of the Dead 3 is better.Better graphics,effects,blood,gore,and options.I'd reccomend that one more.But if you are more pleased with House of the dead 2 and only have an Xbox then get House of the Dead 3,beat it,and go to The House of the Dead 2.There,you start at The House of the Dead 3 and go back in time in a time machine until you reach the year 2000. Was this review helpful to you? ( Report this ) A very good Classic Horror Shooter , July 16, 2004 Reviewer: A gamer This game is pure fun. It is a must own shooter for all people who own a Dreamcast. I am dissapointed that Sega has stopped its bussiness in the gamming industry. Anyways, this shooter packs non-stop zombie blastin' action. But get this first, if you buy this game, get a lightgun. The dude with the lightgun is the king, the one without is zombie chow. I also like the way you can blow off individual body parts. Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! The story for this game is pretty good. The bad guy in it is cool.. The bosses are loads of fun. House of the Dead II is one of the best gun games you can find for a system. The zombies in these are cool. Any part of there body you shoot one part of them gets blown. This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) See all 100 customer reviews... So You'd Like To... play some quality games on a forgotten console... :by Ughsassin , Casual Gamer and DReamcast Enthusiast get a Dreamcast :by David , video game fanatic Know About The Best System :by Scott Duft , Person Who Likes Games Listmania! Dreamcast Games You Can"t Go Wrong With :A list by J. Clark , I play games too often Games No Self Respecting Sega Gamer Should Be Without :A list by sega@innernet.net , 10 Year Sega Fan/Supporter My favorite games (All platforms) :A list by Alex Kain , 16 year old gamer Browse for Computer & Video Games Systems > More Systems > Sega Dreamcast > All Games Systems > More Systems > Sega Dreamcast > Action > Horror Systems > More Systems > Sega Dreamcast > Action > Shooter Systems > More Systems > Sega Dreamcast > Action Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect. The page contains typographical errors. 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Unbiased property investment tips and advice to maximise profits from property! Maximise profits from property investment - free independent advice! "Hi Alan, am keen to know more on property investment and I have just subscribed to your Newsletter, and want to congratulate you on your informative site together with the contents." Barbara Burton "Hi Alan, You seem to have your head screwed on, and yes I'm in my fourth hour on your EXCELLENT site." Richard Harries, Pembrokeshire Enter your E-mail Address Enter your First Name (optional) Then Don't worry -- your e-mail address is totally secure. I promise to use it only to send you Property Investment Tips. Hi, Property investment is as good an investment as there is, so it still amazes me how little people know about the potential to make money from property, and property investment. There are people sitting on huge amounts of equity who, if they invest this money wisely could be retiring within 2 years!!!! Dont believe me? Thats exactly what I just did, aged 28!! After remortgaging my property, I reinvested that money and last year I made more than 100k after tax, and will make more than that this year. Now I had a good job beforehand, with a gross salary of over 50k, but when you compare that net amount of around 35k with the money I made from property - simply by releasing equity and spending my spare time understanding the vast possibilities in property and investing in some excellent opportunities, I cant believe more people do not do it. I am now in a position where I do not need a 9-5 job anymore . This gives me plenty of time to spend with my family, on the golf course, on holiday, at the football etc etc and I have no boss to report to!!! I believe there are possibilities for anyone out there, whether you are a first time buyer, and not sure where to buy, someone looking for a hands free property investment with guaranteed returns, someone looking to top up their pension, or someone who is willing to give 10 hours a week or so and be in a position to sack the boss in 3-4 years time!! However for anyone to succeed at property investment, they must have some good knowledge - a clear strategy, understand property tax, mortgages for investment properties and importantly understanding what a good property investment deal is and the power of leverage. Now when I first started researching on the internet, I came across some excellent resources and invaluable information - however there are also some who are more interested in charging you a fee than getting you a good deal. That is why I decided to share some of my experiences, and give some of my recommendations and property investment tips. Any of these recommendations I will have personally used, and will have confidence in their knowledge and integrity. I will not accept adverts or endorse any company I am not convinced about. I have now set up a second site - as from March 2005 - with all recommended property investment deals, as and when they arise - this gives me the opportunity to put more details down. Please, if are interested in updates on deals, also sign up on www.property-investment-deals.com for latest deals. I have a newsletter I send out every 2-3 weeks, where I discuss various strategies and property investment tips, and discuss exactly what I have done so far on this Tips site. I will also try to answer any questions, or at least point you in the right direction. I will also analyse deals/courses/mortgage options put forward by some of my contacts. Enter your E-mail Address Enter your First Name (optional) Then Don't worry -- your e-mail address is totally secure. I promise to use it only to send you Property Investment Tips. I will continually update any good sources I find, and I will continue to share my experiences with you. By no means is this list exhaustive and I am sure there are plenty more good sources, although I also know some not so good - email me with any good experiences/sources you have used for any property investment, and I will share this with the subscribers. Have a look down the left hand side, where I have covered what I consider the key factors when investing in property, and look at each of them, investment property mortgage options, property tax, property investment strategies/courses, and property investment deals at home and abroad, to see who I recommend and why. All this advice is free and is solely based on my experience and the contacts I have made - I will not be offended if you do your own thing, but I am completely independent, so I would at least take note of all my efforts over the last few years!! Of course, you should always do your own research, and do please note the disclaimer page. Any questions I will attempt to reply, please email me at alan@property-investment-tips.com. Also make sure you sign up for free newsletter before you forget, this is packed full of good tips and advice, so I've been told! "Alan, I have just read your back issues, and enjoy the way that you write! I am currently an ex-pat living in Ohio, but with an existing and pending property in the UK....look forward to your next issue " Amanda, Ohio "I've signed up for your newsletter today and from what I've seen of your website, it looks very informative, good balanced outlook on what people should do when investing in property." Nihar Dutt, www.propertynetworking.co.uk "I am impressed with the newsletters, very professional Alan. Your comments on Cyprus and Bulgaria are fab, especially for new investors - DD is vital - and even then I still think its risky so recommending agents shall be of great assistance". Alex Angel, Edinburgh "Hi Alan,First of all, thank you ever so much for sharing your experience. Your website is absolutely fantastic!" Patrice Lavallee, Suffolk "ALAN, I read your newsletters with interest and have recently been in discussions with Property Network Spain. Hopefully the outcome will be profitable!" ALEX CARAVELLO, Residential Lettings & Management "Alan, Great newsletter as per usual. My name is Tom Dyer and i got the info about your newsletter from a good friend of mine, who himself had it referred to him via another friend.It just goes to show that good information travels very fast.Great to have the opportunity to get access to the newsletters and some of your philosophy. Keep em' comingAll the very best" Tom Dyer "Hi Alanthanks again for the posts you send, they are a great eye opener - i'm learning a hell of a lot." Shuko mwambazi Alan just wanted to drop you a line, to say thanks!! For the past few months I had been looking to invest some money and saw property as a possible opportunity. However, having never previously bought, due to continued job relocation, my knowledge of this market was somewhat limited. The information and advice provided on property-investment-tips.com has proved invaluable in taking me from a position of knowing nothing - about how mortgages work, where to buy and which investment companies I could trust - through to the purchase of my first property!! I have bought in Cyprus through investincyprus.com, and am delighted with it! Maybe meet you out there in 18 months??!! Thanks again, and have subscribed to your newsletter to keep eye on other opportunites. Have also given details to my work colleague who is also keen to buy. James Thomson, Edinburgh Hi, I found out about your site and was pretty impressed with everything! I am very interested in purchasing ANY property with good growth and rental prospects in the UK. I am living and working in Shanghai..... Look forward to hearing from you. Yours sincerely Robert Gavin Hi Alan, I found your website very informative and helpful. Thank you very much. My husband is British and I am Vietnamese. We have been working abroad as expats. We have some savings and would like to invest in land and property anywhere, in the UK or Vietnam or abroad. We would appreciate very much if you could give us some advice on what and how to do as we feel uncertain. We feel that we have the potential and could do something good with our savings but did not know where and how to start then we found your site. Thank you very much and I look forward to hearing from you, Best regards, Linh Dear Alan, Thank you for the latest edition of your newsletter and links to the superb articles on your excellent website - it is certainly coming along nicely! I am a first-time property investor and recently had the pleasure of meeting you at the Property show at the ExCel centre in Docklands, accompanied by my wife Christine..... above all, if he comes with your recommendation then I'm sure he is someone that can be relied upon. Ironically, I had been meaning to drop you a line for a while to further enquire about your exploits in property renovation, which I have so keenly read in your emails lately. But now your site has blossomed with so much information, I have learnt an awful lot by just scrolling through the wealth of advice available. Looking forward to hearing from you. ..........Many thanks for your prompt reply. It would be great to meet up with you again in the future, Alan - if anything to buy you a pint for your troubles! Thanks again for your support Kind regards, John Marsden Hi AlanI'll attempt to be brief and to the point! I like your website without having met you or had any communication with you - you do seem to come accross someone who is approachable and kind of normal!! Hence I write to you. I am interested in a one to one consultaion session with you and would like to make a reservation for a London meeting sometime after May. Is that possible? I am currently in Sudan undertaking 5 months voluntary work (back in May) and since being here I have had much time to reflect, to consider my next 'project', look at where I'm heading and to set some more goals and achievements for myself. I also have time while I am out here to do some homework and research (which is how I found you!).I have signed up to your e-zine, and have not yet read everything you have to offer on your site, however I wanted to book in with you as soon as possible, Mandy Evill So, have a look at the headings for the specific area you want to find out more on, and start to share some of the potential to be made in the world of property investment!!! Regards Alan Forsyth Why Property? Why property as an investment? Property Investment Strategies to maximise profits Property Investment Strategies - I'll give you some tips and advise on the best places to learn what is best for you! Location, location,l... Location - why it is still as important as ever, do not limit yourself! Buy to Let What to look out for when considering buy to let in UK and abroad Buy to Re-sell or Remortgage Buy to Re-sell, or Property renovation is as popular as ever, you only need to switch on the TV to see! I give my tips when starting out. UK property investment has become very popular over last few years My thoughts/tips on UK property investment Overseas Property Investment Overseas property investment is becoming more and more popular - check out my tips! Spanish property investment Spanish Property Investment is as popular as ever, read my recommendations on best companies to invest with in Spain Cyprus Property Investment Cyprus Property Investment is getting very popular - read my tips on the best company/places for property investment in Cyprus Bulgaria Property Investment Bulgaria property investment - why it is such good value Scotland Property Investment Scotland Property Investment Estonia property Estonia property Property Tax advice Importance of understanding types of property tax when investing in property. Best sources of information Mortgage advice for Investment Property Mortgage Advice for Investment Property, my tips and advice overseas mortgages Recommended overseas mortgages for property investors 1 to 1 Consultancy 1 to 1 Consultancy Recommended Property Investment Courses Property Investment Courses Landlords Insurance Landlords Insurance - my recommendations Rental Property Investment Software Recommended Rental Property Investment Software Articles Articles written and published by Alan Forsyth Rich Dad, Poor Dad Rich dad poor dad Books Best value books for property investment, financial freedom Resources Quick summary of best property resources on the internet when looking to invest in property. Contact Me Contact me for any further advice on products advertised here, or any further property questions Exchange URLs Exchange URLs Disclaimer Disclaimer other resources general other resources general About us About us

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DURANGO REAL ESTATE - REALTY IN SOUTHWEST COLORADO - MOUNTAIN, RANCH, COMMERCIAL & RESIDENTIAL PROPERTY IN FOUR CORNERS AREA OF CO - DON RICEDORFF Residential Listings Multifamily Listings Commercial Listings Land Listings Farm / Ranch Listings Virtual Tours Search Listings Toll Free: 800-955-0259 | Office: 970-259-6680 | E-mail: info@durangorealproperty.com Real Estate In Durango Colorado Putting You First Is Our Promise. Buying or selling a home can be a stressful, time-consuming process. You need an experienced real estate agent whose primary goal is your satisfaction; a dedicated, reliable expert to assist you with all of the details associated with your transaction. Durango Colorado Real Estate is my full time business. Raised in Southwest Colorado, I have a complete knowledge of Durango, Bayfield, Hesperus, Ignacio & Hermosa residential, vacant land, ranches and commercial properties. We have access to all the listings offered in the Durango M.L.S. (Multiple Listing Service). My corporate background coupled with my real estate experience combines to give you the highest professional service. Let Durango Real Property and the Don Ricedorff real estate team help you buy or sell your Colorado home, land or business! Experience Does Make a Difference Wells Group Sales Volume Leader for 1996-2004 Top 2% in Volume, La Plata County Realtors Salesperson of the year from 1996-2004 Education - B.A. Fort Lewis College No other real estate broker has received as many national real estate designations! Realtor, Broker, G.R.I, C.R.S., C.R.B., C.C.I.M. & A.B.R. Featured PropertY Gorgeous Animas Valley location Horse Property Pond & Irrigation Beautiful 5580 sqft home 3.79 acres See More Information and Photos Visitors currently online: 7 Residential Listings | Multifamily Listings | Commercial Listings | Land Listings | Virtual Tours | Search Listings | About Us Durango Information | Durango Weather | Contact Us | Home Page Site Development ©2001-2004 Electric Sage Designs Contact the Webmaster Additional Sites of Interest P7 MenuMagic dwt Control Layer -Do Not Alter

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FRB: Putting Your Home on the Loan Line Is Risky Business ESPAÑOL Are you in need of cash? Do you want to consolidate your debts? Are you receiving home equity loan or refinancing offers that seem too good to be true? Does your home need repairs that contractors tell you can be easily financed? If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer. But not all loans and lenders are the same--you should shop around. The cost of doing business with high-cost lenders can be excessive and, sometimes, downright abusive. For example, certain lenders--often called "predatory lenders"--target homeowners who have low incomes or credit problems or who are elderly by deceiving them about loan terms or giving them loans they cannot afford to repay. Borrowing from an unscrupulous lender, especially one who offers you a high-cost loan using your home as security, is risky business. You could lose your home and your money. Before you sign on the line, Think about your options Do your homework Think twice before you sign Know that you have rights under the law Think about Your Options If you’re having money problems, consider these options before you put your home on the loan line. Talk with your creditors or with representatives of non-profit or other reputable credit or budget counseling organizations to work out a plan that reduces your bill payments to a more manageable level. Contact your local social service agency, community or religious groups, and local or state housing agencies. They may have programs that help consumers, including the elderly and those with disabilities, with energy bills, home repairs, or other emergency needs. Contact a local housing counseling agency to discuss your needs. Call the U.S. Department of Housing and Urban Development toll-free at 800-569-4287 or visit www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm to find a center near you. Talk with someone other than the lender or broker offering the loan who is knowledgeable and you trust before making any decisions. Remember, if you decide to get a home equity loan and can’t make the payments, the lender could foreclose and you would lose your home. If you decide a loan is right for you, talk with several lenders, including at least one bank, savings and loan, or credit union in your community. Their loans may cost less than loans from finance companies. And don’t assume that if you’re on a fixed income or have credit problems, you won’t qualify for a loan from a bank, savings and loan, or credit union--they may have the loan you want! Do Your Homework Contact several lenders--and be very careful about dealing with a lender who just appears at your door, calls you, or sends you mail. Ask friends and family for recommendations of lenders. Talk with banks, savings and loans, credit unions, and other lenders. If you choose to use a mortgage broker, remember they arrange loans but most do not lend directly. Compare their offers with those of other direct lenders. Be wary of home repair contractors that offer to arrange financing. You should still talk with other lenders to make sure you get the best deal. You may want to have the loan proceeds sent directly to you, not the contractor. Comparison shop. Comparing loan plans can help you get a better deal. Whether you begin your shopping by reading ads in your local newspapers, searching on the Internet, or looking in the phone book, ask lenders to explain the best loan plans they have for you. Beware of loan terms and conditions that may mean higher costs for you. Get answers to these questions and use the worksheet to compare loan plans: Interest Rate and Payments What are the monthly payments? Ask yourself if you can afford them. What is the annual percentage rate (APR) on the loan? The APR is the cost of credit, expressed as a yearly rate. You can use the APR to compare one loan with another. Will the interest rate change during the life of the loan? If so, when, how often, and by how much? Term of Loan How many years will you have to repay the loan? Is this a loan or a line of credit? A loan is for a fixed amount of money for a specific period of time; a line of credit is an amount of money you can draw as you need it. Is there a balloon payment--a large single payment at the end of the loan term after a series of low monthly payments? When the balloon payment is due, you must pay the entire amount. Points and Fees What will you have to pay in points and fees? One point equals 1 percent of the loan amount (1 point on a $10,000 loan is $100). Generally, the higher the points, the lower the interest rate. If points and fees are more than 5 percent of the loan amount, ask why. Traditional financial institutions normally charge between 1 and 3 percent of the loan amount in points and fees. Are any of the application fees refundable if you don’t get the loan? How and how much will the the lender or broker be paid? Lenders and brokers may charge points or fees that you must pay at closing or add on to the cost of your loan, or both. Penalties What is the penalty for late or missed payments? What is the penalty if you pay off or refinance the loan early (that is, is there a pre-payment penalty)? Credit Insurance Does the loan package include optional credit insurance, such as credit life, disability, or unemployment insurance? Depending on the type of policy, credit insurance can cover some or all of your payments if you can't make them. Understand that you don’t have to buy optional credit insurance--that’s why it’s called “optional.” Don’t buy insurance you don’t need. Credit insurance may be a bad deal for you, especially if the premiums are collected up-front at the closing and financed as part of the loan. If you want optional credit insurance, ask if you can pay for it on a monthly basis after the loan is approved and closed. With monthly insurance premiums, you don't pay interest and you can decide to cancel if the premiums are too high or if you believe you no longer want the insurance. After you have answers to these questions, start negotiating with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know you are shopping for the best deal. Ask each lender to lower the points, fees, or interest rate. And ask each to meet--or beat--the terms of the other lenders. Once You’ve Selected a Lender, Get the Following A “Good Faith Estimate” of all loan charges. The estimate must be sent within 3 days of applying. Blank copies of the forms you’ll sign at closing, when the loan is final. Study them. If you don’t understand something, ask for an explanation. Advance copies of the forms you’ll sign at closing with the terms filled in. A week or two before closing, contact the lender to find out if there have been any changes in the Good Faith Estimate. By law, you can inspect the final settlement statement (also called the HUD-1 or HUD-1A form) one day prior to closing. Study these forms. Write down any questions you want to ask. Think Twice before You Sign Have a knowledgeable friend, relative, attorney, or housing counselor review the Good Faith Estimate and other loan papers before you sign the loan contract. Be sure the terms are the same ones you agreed to. For example, a lender should not promise one APR and then--without good reason--increase it at closing. Refer to the list of questions you’ve written down. Ask where these terms are covered in the loan contract. And ask for an explanation of any dollar amount or term you don’t understand. Don’t let anyone rush you into signing the loan contract. Make sure all promises, oral and otherwise, are put in writing. It’s only what’s in writing that counts. Get a copy of the documents you signed before you leave the closing. Don’t Sign on the Dotted Line if the Lender … Tells you to falsify information on the loan application (for example, suggests that you write down more income than you really have). Pressures you into applying for a loan for more money than you need, or one that has monthly payments larger than you can afford. Promises one set of terms but gives you another with no good reason for the change. Tells you to sign blank forms or forms that aren't completely filled in. If an item is supposed to be blank, draw a line through the space and initial it. Pressures you to sign today. A good deal today should be available tomorrow. Know that You Have Rights under the Law You Have 3 Business Days to Cancel the Loan If you're using your home as security for a home equity loan (or for a second mortgage loan or a line of credit), federal law gives you 3 business days after signing the loan papers to cancel the deal--for any reason--without penalty. You must cancel in writing. The lender must return any money you have paid to date. Do You Think You've Made a Mistake? Has the 3-day period during which you may cancel passed and you're worried that you've gotten in over your head? Do you think your loan fees were too high? Do you believe you were steered into monthly payments you can't afford? Has your lender repeatedly pressured you to refinance? Is your loan covered by insurance you don't need or want? If you think you've been taken advantage of, state and federal laws may protect you. Also, the following organizations may be able to help: Your local or state bar association--sometimes listed under "Lawyers Referral Service" in the Yellow Pages of your phone book. The association may be able to refer you to low-cost or no-cost lawyers who can help. Your local consumer protection agency, state attorney general’s office, or state office on aging, listed in the Blue Pages of your phone book. Your local fair housing group or affordable housing agency, housing counseling agency, or state housing agency. You can learn more about credit and home equity loans by visiting the federal government’s web site for consumers, www.consumer.gov (see the Home and Community section). If you don’t have access to the Internet, ask a friend or relative to get the information for you. Or visit your local library or senior center, which may offer you free access to the Internet on their computers. For More Information State Banks that Are Members of the Federal Reserve System Division of Consumer and Community Affairs Mail Stop 801 Federal Reserve Board Washington, DC 20551 (202) 452-3693 www.federalreserve.gov Federally Insured State Non-Member Banks and Savings Banks Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, Missouri 64108 (877) 275-3342 www.fdic.gov National Banks and National Bank-Owned Mortgage Companies Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street Suite 3450 Houston, TX 77010 (800) 613-6743 www.occ.treas.gov Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks Office of Thrift Supervision Consumer Programs 1700 G Street, N.W., 6th Floor Washington, DC 20552 (800) 842-6929 www.ots.treas.gov Federal Credit Unions National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke Street Alexandria, VA 22314 (703) 518-6330 www.ncua.gov For state-chartered credit unions, contact your state's regulatory agency. Mortgage Companies and Other Lenders Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) FTC-HELP (877-382-4357, toll free) www.ftc.gov Other Information Sources U.S. Department of Justice Civil Rights Division 950 Pennsylvania Ave., N.W. Housing and Civil Enforcement Section, NWB Washington, DC 20580 (202) 514-4713 www.usdoj.gov/crt/housing/index.html Federal Housing Finance Board 1777 F Street, N.W. Washington, DC 20006 (202) 408-2500 www.fhfb.gov Department of Housing and Urban Development 451 7th Street, S.W. Washington, DC 20410 800-669-9777 (voice) 800-927-9275 (TTY) www.hud.gov Office of Federal Housing Enterprise Oversight (OFHEO) 1700 G Street, N.W. 4th Floor Washington, DC 20552 (202) 414-6922 www.ofheo.gov Adobe acrobat version of text for printing (119 KB PDF) is formatted for printing on two sides of a 11 x 17" sheet of paper. Fold the paper in half. The PDF contains a fillable area on the back panel for you to provide your own contact information. Worksheet for printing (58 KB PDF) Obtaining the Acrobat Reader from the Adobe Web Site This information was prepared by the following federal agencies: Department of Housing and Urban Development, Department of Justice, Federal Deposit Insurance Corporation, Federal Housing Finance Board, Federal Reserve Board, Federal Trade Commission, National Credit Union Administration, Office of Federal Housing Enterprise Oversight, Office of the Comptroller of the Currency, Office of Thrift Supervision. Home | Brochures Accessibility | Contact us Last update: March 24, 2004