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This website has been condensed and is no longer being updated as of November 28, 2016. Some resources previously available on this website may no longer be available. Content may link to web pages that have moved or no longer exist, or may refer to other documents that are no longer available. An upcoming 2017 website for the new National Center of Law and Elder Rights (NCLER) will provide an enhanced experience in access to national legal resource support in the priority legal issue areas currently featured on this site. The new NCLER Website will include access to:

  • Legal Basics Training and Advanced Training program
  • Technical Assistance in legal service delivery systems
  • Web requests for Case Consultations
  • Alerts, news and resources to help you stay informed

NCLER experts are available now for case consultations in substantive legal issues and technical assistance on the enhancement of legal service delivery systems. Please Contact ncler@justiceinaging.org

Home Owner

CFPB Resources on Home Ownership
Source: CFPB
Content Type: Website
CFPB tools and resources to help homebuyers and homeowners feel more confident, become more informed, and make smarter decisions about mortgages.

Delinquent Tax Forclosures lead to Loss of Homes for Increasing Number of older Homeowners
Source: Accounting Today
Content Type: Web Article
Unpaid property tax liens are often sold to investors in arcane processes that frequently lack consumer protections or safeguards.

Ten Facts for Mortgage Debt Forgiveness
Source: Internal Revenue Service
Content Type: Webpage
It is helpful for homeowners to know about mortgage debt forgiveness. The IRS gives ten facts everyone should know.

Elderly Housing
Source: Internal Revenue Service
Content Type: PDF
There has been a surge in the older adult population due to the oldest baby boomers turning 65. Furthermore, there have been advances in medicine and health care resulting in longer life spans. Because of these factors, senior housing has grown significantly in the past decade, with an increase in continuing care communities. This article will provide an introduction to the senior housing industry.

USDA Affordabale housing programs
Source: United States Department of Agiculture (USDA)
Content Type: Web Page
USDA provides affordable home ownerhip and rental subsudy programs for low income Americans living in rural areas. This web site provides a broad array of information on these essenital affordable housing programs.

SNAP for Seniors
Source: National Association of Area Agencies on Aging
Content Type: Website
A Seattle-based corporation which offers a free online resource intended to empower users by providing them with the information and tools necessary to make informed decisions about senior housing.

AARP: Housing Choices
Source: American Association of Retired Persons
Content Type: Website
This section of the AARP includes extensive information on a variety of housing options including independent living, assisted living, nursing homes and others.

Mortgage Issues

The Federal Housing Administration (FHA)
Source: Department of Housing and Urban Development: Federal Housing Administration
Content Type: Webpage
The FHA is a division of HUD and this website answers questions about the FHA and their mortgage insurance program.

Some Tax Issues to Consider on Mortgage Write-Downs
Source: The Washington Post
Content Type: Article
Mortgage principal-reduction programs have been used to help financially distressed homeowners. The Internal Revenue Service is involved in mortgage principal write-downs due to the federal tax code, which usually treats any debt forgiveness by a creditor in excess of $600 as regular taxable income to the recipient.

AARP: Mortgages
Source: American Association of Retired Persons
Content Type: Website
Fact sheet on reverse mortgages.

NCLC: Mortgage Servicing
Source: National Consumer Law Center
Content Type: Website
Overview of mortgage servicing, common problems and scams. Includes policy analysis and other resources.

Reverse Mortgages

Reverse Mortgages for Seniors
Source: Department of Housing and Urban Development: Homes & Communities
Content Type: Webpage
Reverse mortgages are becoming more popular in America because they can give older Americans greater financial security to supplement social security, meet unexpected medical costs, and do other needed tasks.

A Reverse Mortgage for Less
Source: AARP
Content Type: Article
Reverse mortgages offer a way to receive the equity in a home that might not otherwise be accessible. However, there has been complaints about the high upfront fees. AARP discusses a potentially less costly alternative.

Reverse Mortgages: Are They for You?
Source: Office of the Comptroller of the Currency
Content Type: Website with downloadable booklet
A consumer guide to reverse mortgages.

Use Your Home to Stay at Home™ Consumer Booklet
Source: National Council of Aging Organizations
Content Type:Article
This site contains information on reverse mortgages as a tool for consumer to remain in their homes.

AARP Reverse Mortgages Resources
Source: American Association of Retired Persons
Content Type: Website
Consumer focused information on reverse mortgages.

Home Equity Conversion Mortgage (HECM) Program The Role of the Aging Network in Assisting Older Mortgagees
Source: AoA
Content Type: Website with new content being added on emerging issues
Evolving website looking at issues relating to delinquencies on reverse mortgages. Under the HECM program property taxes, insurance and other property charges are the responsibility of the homeowner. Lenders have advanced property tax, insurance and other property charges to borrowers who were unable to pay them. HUD is now requiring lenders to try to collect these advances and older borrowers who are unable to repay these advances may be in jeopardy of mortgage default or losing their home. From late January until early April, 2011, HECM mortgagees who are delinquent will be sent a letter explaining that they are delinquent and advising them of how they can correct the situation. It is anticipated that as many as 30,000 HECM reverse mortgage holders are delinquent and will receive these letters.

Manufactured Homes

Mobile Homes (aka Manufactured Homes)
Source: National Consumer Law Center
Content Type: Book
An overview of how older Americans are affected by mobile homes and common deceptive practices advocates should be aware of.

Foreclosures

Steps That Advocates Can Take To Help Prevent Foreclosure
Source: National Consumer Law Center
Content Type: Article
This article covers how advocates can assist older Americans facing foreclosure.

Survey of State Foreclosure Laws (2009)
Source: National Consumer Law Center
Content Type: State Laws
An extensive review of the foreclosure statutes in all 50 states.

Foreclosing a Dream: State Laws Deprive Homeowners of Basic Protections
Source: National Consumer Law Center
Content Type: Research Report
Based on a survey of existing state laws, the NCLC report identifies some of the most antiquated state law provisions, including "fast track" foreclosures without any court oversight in 30 states and no requirement of direct notification to homeowners in 33 states upon the initiation of foreclosure proceedings.

For More Information

More information on this topic might be found in the following areas of the Legal Issues library: Predatory Lending