Related Services - The following company listings on the Debt Consolidation Loan Directory are offered to assist you with handling your credit card bills and other monthly payments. Also, in addition shop for other financial services ranging from credit card offers to home and car insurance.

• Debt Management Counseling - Too many credit cards and other bills to make monthly payments on? Start here by reviewing and comparing different debt management options for getting help with your credit card bills and other monthly obligations.
• Debt Consolidation Service - If you have a large amount of  credit card and other debts, now may be a good time to consolidate your debt and lower your payments.
• Debt Settlement Company - Are you finding yourself unable to meet your monthly budget because of too many credit card payments? Negotiating your debts may or may not be the right choice to get help with your financial situation. Compare programs designed for helping people with similar debt problems.

The New Climate for Mortgage Borrowers

Credit may be tougher to get, but good loan programs are still available. Even people having difficulty paying their mortgages have options for saving their homes from foreclosure.

You've probably read or heard about recent problems in the housing market — even if you haven't directly experienced declining home values, higher interest rates on mortgages or more stringent lending standards. But what does it all mean for you, especially if you're thinking about buying a new home or refinancing an existing loan?

FDIC Consumer News wants you to know that while some mortgages may be tougher to get than in the past, you shouldn't be discouraged — many good loan programs are still available to homeowners. The key is to be proactive — to understand your options and to put yourself in the best position to take advantage of them.

And, if you're facing the prospect of losing your home to foreclosure because of rising payments, you need to contact your lender or loan servicer as soon as possible to work out a reasonable solution. A loan servicer is a company that collects payments and performs other work for lenders, even including negotiating new payment plans with borrowers who are late or delinquent on their loan payments. "No one gains from foreclosure — not the lender nor, least of all, the homeowner," said FDIC Chairman Sheila C. Bair.

We've previously published tips to help mortgage borrowers, but here is a roundup of our latest suggestions. These ideas are for all homeowners because anyone can be affected by tighter credit standards or find themselves having trouble making their mortgage payments due to a job loss, health problems or other misfortune.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 11/08/2007

Make educated decisions when shopping for bank services, consolidation of debt, mortgages and insurance. Read up!

DebtConsolidationLoan.com has a growing list of free informative and educational financial articles for consumers shopping for many types of financial services related to the management of your money, such as bill consolidation, fraud alerts and auto insurance. There is no better way to make decisions regarding your personal finances than to read and understand how they work, fees you will be charged, etc. Please feel free to visit our consumer library to learn more.

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• Home Equity Loan Products: How to Borrow Safely - As values increase in many housing markets, Americans are increasingly tapping their home's equity for an equity loan or an equity line of credit. Learn more and make the right decision for your needs.

The Debt Consolidation Loan Directory is a service of Infinamic, Inc. All information is deemed reliable, but not guaranteed. Infinamic, Inc. is not responsible for the content and services, that may be provided to you, by following the links from this web site. Use this service at your own discretion.