| While HomeLoanLearningCenter contains a great deal of information, other resources are available. This page contains links to useful sites covering various aspects of financial literacy and consumer protection. As we discover valuable Web sites that may be of interest we will add them to this page, so check back periodically to see new additions. USDA Rural Development Program
http://www.rurdev.usda.gov/rhs/
http://www.rurdev.usda.gov/rhs/common/indiv_intro.htm American Dream Downpayment Assistance
http://www.hud.gov/offices/cpd/affordablehousing/programs/home/addi/index.cfm
http://www.whitehouse.gov/infocus/homeownership/homeownership-policy-book-ch1.html
http://www.americandreamdownpaymentassistance.com/ HUD HOME program
http://www.hud.gov/offices/cpd/affordablehousing/programs/home/index.cfm HUD Homes and Communities program
U.S. Department of Housing and Urban Development (HUD) -- Homes & Communities HUD Mortgage Insurance programs
http://www.hud.gov/buying/loans.cfm HUD Good Neighbor Next Door program
http://www.hud.gov/offices/hsg/sfh/reo/goodn/gnndabot.cfm HUD Public Housing Homeownership programs http://www.hud.gov/offices/pih/centers/sac/homeownership/index.cfm HUD Homeownership Voucher program
http://www.hud.gov/offices/pih/programs/hcv/homeownership/index.cfm | U.S. Department of Veterans Affairs home loan program
http://www.homeloans.va.gov/ Reverse mortgages
http://www.reversemortgage.org/
http://www.aarp.org/money/revmort/
http://www.ftc.gov/bcp/conline/pubs/homes/rms.htm Habitat for Humanity
http://www.habitat.org Consumer handbook on adjustable-rate mortgages
http://www.federalreserve.gov/pubs/arms/arms_english.htm BorrowSmart—about home equity loans
http://www.borrowsmart.org/index.asp ederal Trade Commission (FTC) - responsible for enforcing the Fair Credit Reporting Act (FCRA)
http://www.ftc.gov/bcp/conline/edcams/credit/index.html
http://www.ftc.gov/ftc/moreinfo.htm
www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm
http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm
http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm Real Estate Settlement and Procedures Act (RESPA)
http://www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm
Truth in Lending Act (TILA)
http://www.federalreserve.gov/pubs/consumerhdbk/ Closing cost oversight
http://www.hud.gov/offices/hsg/sfh/res/stcosts.pdf
Federal Deposit Insurance Corporation (FDIC)
Office of Thrift Supervision (OTS)
Office of the Comptroller of the Currency (OCC)
National Credit Union Administration (NCUA)
Downlown HUD documents
http://www.hud.gov/offices/adm/hudclips/forms/hud1.cfm
Freddie Mac Spanish Translation of Mortgage Documents
http://www.freddiemac.com/uniform/spanish.html Fannie Mae search for loan documents
https://www.efanniemae.com/efmSearch/efanniemae/searchAdvance.do?
pageName=FormDocsSearch&pageTitle=Single-Family%20Forms%20%26%20Documents%
20Search&userType=ANONYMOUS
Fannie Mae list of selling and servicing guide forms -- many in Spanish
https://www.efanniemae.com/sf/formsdocs/forms/index.jsp Fannie Mae Appraisal Information
https://www.efanniemae.com/sf/formsdocs/forms/1004.jsp Spanish/English Bilingual Loan Application
https://www.efanniemae.com/sf/formsdocs/forms/1003s.jsp Sample Spanish HUD-1 Closing Statement
http://espanol.hud.gov/offices/hsg/sfh/res/sc3sectd.cfm?&lang=es Hud Booklet Describing the Home Closing Process
http://www.hud.gov/offices/hsg/sfh/res/sfhrestc.cfm Internal Revenue Service (IRS) resource site on foreclosure tax relief
http://www.irs.gov/newsroom/article/0,,id=174034,00.html Free annual credit report
www.annualcreditreport.com
Credit counseling
http://www.nfcc.org/
http://www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm
http://www.995hope.com/ The three private national credit reporting agencies
http://www.equifax.com
http://www.transunion.com
http://www.experian.com Sample Equifax credit report
http://www.consumerinfo.com/n/expsam.htm http://www.mtgprofessor.com/ http://www.choosetosave.org/ http://mymoney.gov/ http://www.debtadvice.org http://www.bankrate.com
http://www.mymoneymanagement.net CNN Instant Budget Maker
http://cgi.money.cnn.com/tools/instantbudget/instantbudget_101.jsp The Myvesta Foundation
http://www.myvesta.org Financial literacy-U.S. Financial Literacy and Education Commission information on homeownership
http://www.mymoney.gov/homeownership.shtml Establishing a budget
http://www.forefieldkt.com/kt/trns.aspx?xd=BP-CORE-02&il=a2&xsl=content Information on community property state rules
http://www.irs.gov/publications/p555/ar01.html Divorce and home ownership
Mortgage Servicing: Making Sure Your Payments Count
http://www.ftc.gov/bcp/conline/pubs/homes/mortgserv.htm Your Rights and the Responsibilities of the Mortgage Servicer
http://www.hud.gov/offices/hsg/sfh/res/rightsmtgesrvcr.cfm Private Mortgage Insurance
http://www.ftc.gov/bcp/conline/pubs/alerts/pmialrt.shtm Credit information
http://www.fraud.org/info/links.htm#credit Credit counseling
Article from MSN Money Central
http://www.fraud.org/info/links.htm#credit
Single-premium credit life insurance
http://www.bankrate.com/brm/news/mtg/20010726a.asp) Prepayment penalties or premiums
http://www.freddiemac.com/singlefamily/pdf/ppm.pdf) Articles about the mortgage process
http://www.nextag.com/home-mortgage/ Understanding simple vs. compound interest
http://michaelbluejay.com/house/compoundinterest.html General financial information
http://www.thesimpledollar.com/ First-Time Homeowners
http://www.irs.gov/publications/p530/index.html What You Can and Cannot Deduct
http://www.irs.gov/publications/p530/ar02.html State and local government site
http://www.statelocalgov.net/index.cfm School systems
http://www.ed.gov/Programs/EROD/index.html lists all the state departments of education Web sites State home buying programs
http://www.hud.gov/buying/localbuying.cfm State and local government Web sites for gathering information on tax rates, schools, history, arts, cultures, education, travel, recreation, voting, healthcare, jobs and more.
http://www.usa.gov Newspapers in your area
http://www.newspapers.com. HUD Approved Housing
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