www.consumerfinance.gov Open in urlscan Pro
2a02:26f0:1700:1b0::31d7  Public Scan

Form analysis
4 forms found in the DOM

GET https://search.consumerfinance.gov/search

<form class="m-global-search_content-form" action="https://search.consumerfinance.gov/search" method="get">
  <input type="hidden" name="utf8" value="✓">
  <input type="hidden" id="affiliate" name="affiliate" value="cfpb">
  <div class="o-form__input-w-btn">
    <div class="o-form__input-w-btn_input-container">
      <div class="m-btn-inside-input
                               input-contains-label">
        <label for="m-global-search_query" class="input-contains-label_before
                                     input-contains-label_before__search">
          <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 15 19" class="cf-icon-svg">
            <path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568zm-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"></path>
          </svg>
          <span class="u-visually-hidden">Search</span>
        </label>
        <input id="m-global-search_query" name="query" type="text" title="Search the CFPB" class="a-text-input" value="" placeholder="Search the CFPB">
        <label for="m-global-search_query" class="input-contains-label_after input-contains-label_after__clear u-hidden">
          <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12 19" class="cf-icon-svg">
            <path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"></path>
          </svg>
          <span class="u-visually-hidden">Clear search</span>
        </label>
      </div>
    </div>
    <div class="o-form__input-w-btn_btn-container">
      <button class="a-btn">Search</button>
    </div>
  </div>
  <div class="m-global-search_content-suggestions">
    <p class="h5">Suggested search terms:</p>
    <ul class="m-list m-list__horizontal">
      <li class="m-list_item">
        <a class="m-list_link" rel="nofollow" href="https://search.consumerfinance.gov/search?utf8=✓&amp;affiliate=cfpb&amp;query=regulations">
                            Regulations
                        </a>
      </li>
      <li class="m-list_item">
        <a class="m-list_link" rel="nofollow" href="https://search.consumerfinance.gov/search?utf8=✓&amp;affiliate=cfpb&amp;query=compliance+guides">
                            Compliance guides
                        </a>
      </li>
      <li class="m-list_item">
        <a class="m-list_link" rel="nofollow" href="https://search.consumerfinance.gov/search?utf8=✓&amp;affiliate=cfpb&amp;query=mortgage">
                            Mortgage
                        </a>
      </li>
      <li class="m-list_item">
        <a class="m-list_link" rel="nofollow" href="https://search.consumerfinance.gov/search?utf8=✓&amp;affiliate=cfpb&amp;query=college+loans">
                            College loans
                        </a>
      </li>
    </ul>
  </div>
</form>

POST .

<form method="post" action="." class="o-form
                 
                 block
                 block__bg
                 block__border
                 block__padded-top
                 " novalidate="">
  <div class="u-mb15">
    <!-- JS Enabled Form Alerts -->
    <div class="m-notification" data-js-hook="state_atomic_init">
      <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 17 19" class="cf-icon-svg">
        <path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917zM9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"></path>
      </svg>
      <div class="m-notification_content">
      </div>
    </div>
  </div>
  <input type="hidden" name="form_id" value="form-content-1">
  <input type="hidden" name="referrer" value="">
  <input type="hidden" name="language" value="en">
  <div class="o-form_group">
    <h3> Was this page helpful to you? </h3>
    <fieldset class="o-form_fieldset">
      <ul class="content-l m-list m-list__unstyled">
        <li class="content-l_col content-l_col-1-2">
          <div class="m-form-field
                                    m-form-field__radio
                                    m-form-field__lg-target">
            <input class="a-radio" id="is_helpful_1" type="radio" name="is_helpful" value="1">
            <label class="a-label" for="is_helpful_1"> Yes </label>
          </div>
        </li>
        <li class="content-l_col content-l_col-1-2">
          <div class="m-form-field
                                    m-form-field__radio
                                    m-form-field__lg-target">
            <input class="a-radio" id="is_helpful_0" type="radio" name="is_helpful" value="0">
            <label class="a-label" for="is_helpful_0"> No </label>
          </div>
        </li>
      </ul>
    </fieldset>
  </div>
  <div class="o-form_group">
    <div class="m-form-field">
      <label class="a-label a-label__heading" for="comment"> Additional comment <small class="a-label_helper">(optional)</small>
      </label>
      <p class="u-mb15"> Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a
        sensitive nature. </p>
      <textarea class="a-text-input a-text-input__full" id="comment" name="comment" rows="6"></textarea>
    </div>
  </div>
  <button class="a-btn" type="submit"> Submit </button>
</form>

POST /subscriptions/new/

<form class="o-form o-form__email-signup u-clearfix" id="o-email-signup_1" method="POST" action="/subscriptions/new/" enctype="application/x-www-form-urlencoded" novalidate="">
  <div class="m-form-field">
    <label class="u-visually-hidden" for="email_1"> Email address </label>
    <input class="a-text-input a-text-input__full" id="email_1" name="email" type="email" placeholder="Enter your email address" required="">
  </div>
  <div class="m-btn-group">
    <button class="a-btn a-btn__full-on-xs">Sign up</button>
    <a class="a-btn a-btn__link a-btn__secondary" href="/owning-a-home/privacy-act-statement/" target="_blank" rel="noopener noreferrer">
                        See Privacy Act statement
                    </a>
  </div>
  <input type="hidden" name="code" value="USCFPB_128">
</form>

POST /subscriptions/new/

<form class="o-form o-form__email-signup" id="o-form__email-signup_2" method="POST" action="/subscriptions/new/" enctype="application/x-www-form-urlencoded">
  <div class="m-notification" data-js-hook="state_atomic_init">
    <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 17 19" class="cf-icon-svg">
      <path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917zM9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"></path>
    </svg>
    <div class="m-notification_content">
    </div>
  </div>
  <div class="m-form-field">
    <label class="a-label a-label__heading" for="email_2"> Email address </label>
    <input class="a-text-input a-text-input__full" id="email_2" name="email" type="email" placeholder="mail@example.com" required="">
  </div>
  <div class="m-btn-group">
    <button class="a-btn">Sign up</button>
    <a class="a-btn a-btn__link a-btn__secondary" href="/owning-a-home/privacy-act-statement/" target="_blank" rel="noopener noreferrer">
                See Privacy Act statement
            </a>
  </div>
  <input type="hidden" name="code" value="USCFPB_127">
</form>

Text Content

Skip to main content
An official website of the United States government
 * Español
 * 中文
 * Tiếng Việt
 * 한국어
 * Tagalog
 * Pусский
 * العربية
 * Kreyòl Ayisyen

(855) 411-2372
Submit a Complaint
Search
Search Close
Search Clear search
Search

Suggested search terms:

 * Regulations
 * Compliance guides
 * Mortgage
 * College loans

Open the main menu Close the main menu
 * Submit a Complaint
 * Consumer Education
   Back
    * Consumer Resources Overview
    * Resources for Practitioners
    * Coronavirus Resources
    * Consumer Complaint Database
   
   Money Topics
    * Auto Loans
    * Bank Accounts & Services
    * Credit Cards
    * Credit Reports & Scores
    * Debt Collection
    * Fraud & Scams
    * Money Transfers
   
   Money Topics
    * Mortgages
    * Payday Loans
    * Prepaid Cards
    * Reverse Mortgages
    * Savings
    * Student Loans
   
   Featured
    * Explore guides to help you plan for big financial goals
   
   Additional Resources
    * Submit a Complaint
    * Tell Your Story
    * Order free brochures
    * Browse Ask CFPB

 * Rules & Policy
   Back
   Rules & Policy Overview
    * Final Rules
    * Interactive Regulations
   
    * Rules Under Development
    * Notices and Opportunities to Comment
    * Regulatory Agenda
    * Petitions for Rulemaking
   
    * Innovation
    * Taskforce on Federal Consumer Financial Law
    * Advisory Committees

 * Enforcement
   Back
   Enforcement Overview
    * Enforcement Actions
    * Enforcement by the Numbers
    * Petitions to Modify or Set Aside
   
    * Warning Letters
    * Payments to Harmed Consumers
    * Industry Whistleblowers

 * Compliance
   Back
   Compliance Overview
    * Compliance Resources
    * Advisory Opinion Program
   
    * Supervision and Examinations
    * Supervisory Highlights
    * Supervisory Guidance
   
    * Registration & Submission Programs
    * Amicus Program

 * Data & Research
   Back
   Data & Research Overview
    * Research & Reports
    * Payments to Harmed Consumers
    * Enforcement by the Numbers
    * Consumer Complaint Database
    * Mortgage Database (HMDA)
   
    * Consumer Credit Trends
    * Mortgage Performance Trends
    * Financial Well-Being Survey
   
    * Credit Card Surveys & Agreements
    * Prepaid Account Agreements
   
   Featured
    * Help advance financial well-being

 * News
   Back
    * Press Releases
    * Speeches & Op-eds
    * Testimony
    * Statements
   
    * Blog
    * Director’s Notebook
    * Recent Updates

An official website of the United States government
 * Español
 * 中文
 * Tiếng Việt
 * 한국어
 * Tagalog
 * Pусский
 * العربية
 * Kreyòl Ayisyen

(855) 411-2372


QUESTIONS ABOUT YOUR LOAN ESTIMATE?

The Loan Estimate is a new government form designed to help you easily
understand your mortgage offer. Our interactive sample form helps you
double-check the details and get definitions for terms used on the Loan
Estimate.




QUESTIONS ABOUT THE MORTGAGE PROCESS?

If you’ve received a Loan Estimate, you may be wondering what to expect next.
Reviewing your Loan Estimate and deciding whether to proceed with that loan
offer is an important part of the mortgage process. Our tools and resources help
you navigate the process and choose a mortgage that’s right for you.


WHAT TO DO NOW

1. REVIEW YOUR LOAN ESTIMATE

Your Loan Estimate is the official government form that tells you important
details about the costs and risks of your loan offer. It’s standardized, so you
can easily compare offers.

Review our interactive sample Loan Estimate

2. REQUEST ADDITIONAL LOAN ESTIMATES FROM DIFFERENT LENDERS

When you get Loan Estimates from multiple lenders, you can compare to see which
lender is offering you your best deal. For the most useful comparison, request
the same kind of loan from each lender.

Learn how to shop for multiple Loan Estimates

3. CHECK TO SEE IF YOUR INTEREST RATE IS LOCKED

Some lenders may lock your rate as part of issuing the Loan Estimate, but some
may not. Check at the top of page 1 on your Loan Estimate to see whether your
rate is locked, and until when. If your rate is not locked, it can change at any
time. If your interest rate is locked, your rate won’t change between now and
closing, as long as you close within the specified timeframe and there are no
changes to your application.

Learn more about what a rate lock is and how it works


WHAT HAPPENS NEXT

1. DECIDE IF YOU WANT TO PROCEED WITH YOUR LOAN APPLICATION AND LET THE LENDER
KNOW

Once you’ve chosen a loan offer, you need to tell the lender you want to proceed
with that loan application. This is called “expressing your intent to proceed.”
Lenders have to wait until you express your intent to proceed with a particular
application before they can charge you application or appraisal fees.

Learn more about expressing your intent to proceed

2. LOOK OUT FOR REVISED LOAN ESTIMATES BETWEEN NOW AND CLOSING

When important information about your loan changes, your lender may give you a
new Loan Estimate. This can happen if the home was appraised at less than the
sales price or estimated value, if your credit score changes, or if your lender
cannot document your income. You will also receive a revised Loan Estimate if
you decide to get a different kind of loan, change your down payment amount, or
request a rate lock after the lender issued the original Loan Estimate.

Learn more about when you might receive a revised Loan Estimate


WAS THIS PAGE HELPFUL TO YOU?

 * Yes
 * No

Additional comment (optional)

Please do not share any personally identifiable information (PII), including,
but not limited to: your name, address, phone number, email address, Social
Security number, account information, or any other information of a sensitive
nature.

Submit
Close


BUYING A HOUSE?

Sign up for our 2-week Get Homebuyer Ready boot camp. We’ll take you
step-by-step through the entire homebuying process.

Email address
Sign up See Privacy Act statement



ABOUT US

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency
that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Share this
 * 
 * 
 * 
 * 


BUYING A HOUSE?

Sign up for our 2-week Get Homebuyer Ready boot camp. We’ll take you
step-by-step through the entire homebuying process.

Email address
Sign up See Privacy Act statement


RESOURCES

 * Buying a House: Tools and resources for home buyers
 * Your home loan toolkit: A step-by-step guide
 * Find a housing counselor
 * Submit a complaint about problems with your mortgage lender


FOR INDUSTRY PROFESSIONALS

 * Get videos, compliance guides, and other resources
 * Learn how the new disclosure forms help you and your clients

Back to top
 * About Us
 * Contact Us
 * Careers
 * Events
 * Industry Whistleblowers
 * CFPB Ombudsman

 * 
 * 
 * 
 * 
 * 

 * FOIA
 * Privacy
 * Website Privacy Policy & Legal Notices
 * Data
 * Open Government
 * Information Quality Guidelines

 * Administrative Adjudication
 * Plain Writing
 * Accessibility
 * Office of Civil Rights
 * No FEAR Act Data
 * Tribal

 * USA.gov
 * Office of Inspector General

An official website of the United States government