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Illegal Lending & Mortgage Practices

Real Estate Settlement Procedures ACT (RESPA) Violations

If you feel you have been deprived of necessary information or that you have been charged excessive or undisclosed fees during the homebuying process, our consumer attorneys would like to help.

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Real Estate Settlement Procedures Act Details

The Real Estate Settlement Procedures Act (RESPA) is a federal law that requires certain disclosures be made to home purchasers so that they can make better informed decisions. It also prohibits certain practices that drive up costs for homebuyers, including undisclosed fees and kickbacks.

Depending on which section of the RESPA may have been violated, you only have between one and three years to file suit, so it is important to take action as soon as you discover a RESPA violation. Contact our consumer lawyers for a free consultation regarding any potential RESPA violations.

Examples of RESPA Violations

You may have experienced a RESPA violation if your lender:

  • Failed to provide you with a good faith estimate of the interest rate and fees that you will be charged in connection with a mortgage loan within three days of applying for a loan
  • Charged you fees at closing that were not disclosed on your good faith estimate or were higher than disclosed.
  • Required you to use an affiliated title insurance company.
  • Received kickbacks from a settlement agent, title insurance company, flood zone determination vendor, or other business that provided products or services in connection with the closing of your loan.
  • Held excessive amounts in escrow or mishandled your escrow funds.

Please contact our consumer rights team if you have been subject to these or any other unfair practices related to the homebuying process.

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