One of the biggest culprits is the CFPB's qualified mortgage rule and the ever-expanding debt-to-income ratios allowed under ...

Consult the CFPB's Your Home Loan Toolkit, which is a guideline for evaluating fees. Consumers who are overwhelmed by fees may want to consider an all-in-one, flat-rate fee that includes all ...

Home loans that required little-to-no proof of income were common before 2008, but today, such loans are rare, said Laurie Goodman, founder of the Housing Finance Policy Center at the Urban Institute.