• Comptroller of the Currency, Compliance Division, Washington, D.C., (800) 613-6743.
• Office of Thrift Supervision, Consumer Affairs, Washington, D.C., (202) 906-6237.
• Federal Deposit Insurance Corp., Consumer Affairs, Washington, D.C., (800) 934-3342.
  Your state departments of real estate or commerce also may regulate the lenders in your area.
   

Where do I get information on refinancing?     
For information on refinancing, the following booklet may be helpful:
* "A Consumer's Guide to Mortgage Refinancings;" Federal Reserve Bank of San Francisco, Public Information Department, P.O. Box 7702, San Francisco, CA 94120; call (415) 974-2163 to order. 

Where do I get information on finding the best loan?    
For information on how to find the best home loan for you, check out this booklet:
* "How to Shop for a Mortgage," by the Mortgage Bankers Association of America, 1125 15th St., N.W., Washington, DC 20005; call (202) 861-6500.
 

Where do I get information on mortgages?    
Answer: For information on mortgages, check out the following sources for information:
* American Bankers Association; (202) 663-5000.
* Mortgage Bankers Association of America, 1125 15th St., N.W., Washington, DC 20005; (202) 861-6500.

Where do I get information on correcting loan payments?    
The following auditing services can do a thorough review of residential mortgages for lender calculation errors:
* Mortgage Monitor; 1372 Summer Street, Samford, 06905; (800) AUDIT-USA.
* Loantech, (301) 762-7700.

But keep in mind that these services come with a fee, and your lender should be able to work with you to make your own accurate calculation. 


Where can I get a list of mortgage brokers?    
Answer: For information on mortgage brokers, contact the National Association of Mortgage Brokers at (703) 610-9009 


How do I monitor my ARM loan?
Consumer Loan Advocates publishes a book with form letters and worksheets to help people who want to check mortgage payments or adjustments on their own. It costs $19.95 plus $4 shipping and handling. For a copy, write or call Consumer Loan Advocates, 655 Rockland Road, Lake Bluff, IL 60044; (847) 615-0024.