Welcome to Home Mortgage Loans Today. This blog was created to offer expert advice from a licensed mortgage broker regarding securing a mortgage, refinancing a mortgage and optimizing your credit score. This site is not designed to lead our readers into particular lenders or credit specialists. We're providing this information in a DIY (Do it Yourself) format to educate the general public of their rights regarding the various laws, agencies and general consumer privileges under the Fair Credit Reporting Act (FCRA), a federal law (15 U.S.C. ? 1681) that regulates the collection, dissemination, and use of consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), which forms the basis of consumer credit rights in the United States.

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