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.

Foreclosure Scam Avoidance

Neighborworks
www.loanscamalert.org/

Special Programs

USDA Rural Development Program
www.rurdev.usda.gov/rhs/
www.rurdev.usda.gov/rhs/common/indiv_intro.htm

American Dream Downpayment Assistance
www.hud.gov/offices/cpd/affordablehousing/programs/home/addi/index.cfm
www.whitehouse.gov/infocus/homeownership/homeownership-policy-book-ch1.html
www.americandreamdownpaymentassistance.com/

HUD HOME program
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
www.hud.gov/buying/loans.cfm

HUD Good Neighbor Next Door program
www.hud.gov/offices/hsg/sfh/reo/goodn/gnndabot.cfm

HUD Public Housing Homeownership programs www.hud.gov/offices/pih/centers/sac/homeownership/index.cfm

HUD Homeownership Voucher program
www.hud.gov/offices/pih/programs/hcv/homeownership/index.cfm |

U.S. Department of Veterans Affairs home loan program
www.homeloans.va.gov/

Reverse mortgages (Home Equity Conversion Mortgages)
www.reversemortgage.org/
www.aarp.org/money/revmort/
www.ftc.gov/bcp/edu/pubs/consumer/homes/rea13.shtm

Habitat for Humanity
www.habitat.org

Loan Types

Consumer handbook on adjustable-rate mortgages
www.federalreserve.gov/pubs/arms/arms_english.htm

Government Regulatory Agencies

Federal Trade Commission (FTC) - responsible for enforcing the Fair Credit Reporting Act (FCRA)
www.ftc.gov/ftc/moreinfo.htm
www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm
www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm

Real Estate Settlement and Procedures Act (RESPA)
www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm

Truth in Lending Act (TILA)
www.federalreserve.gov/pubs/consumerhdbk/

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
www.hud.gov/offices/adm/hudclips/forms/hud1.cfm

Freddie Mac Spanish Translation of Mortgage Documents
www.freddiemac.com/uniform/spanish.html

Fannie Mae search for loan documents
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
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

Internal Revenue Service (IRS) resource site on foreclosure tax relief
www.irs.gov/newsroom/article/0,,id=174034,00.html

Credit Agency Information

Free annual credit report
www.annualcreditreport.com

Credit counseling
www.nfcc.org/
www.995hope.com/

The three private national credit reporting agencies
www.equifax.com
www.transunion.com
www.experian.com

Financial Literacy

www.mtgprofessor.com/
www.choosetosave.org/
http://mymoney.gov/
www.debtadvice.org
www.bankrate.com
www.mymoneymanagement.net

Establishing a budget
www.forefieldkt.com/kt/trns.aspx?xd=BP-CORE-02&il=a2&xsl=content

Information on community property state rules
www.irs.gov/publications/p555/ar01.html

Divorce and home ownership

Mortgage Servicing: Making Sure Your Payments Count
www.ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm

Private Mortgage Insurance
www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt072.shtm

Credit information
www.fraud.org/info/links.htm#credit

Credit counseling
www.fraud.org/info/links.htm#credit

Prepayment penalties or premiums
www.freddiemac.com/singlefamily/pdf/ppm.pdf)

Understanding simple vs. compound interest
http://michaelbluejay.com/house/compoundinterest.html

General financial information
www.thesimpledollar.com/

Tax Information

First-Time Homeowners
www.irs.gov/publications/p530/index.html

State Governments

State and local government site
www.statelocalgov.net/index.cfm

School systems
http://wdcrobcolp01.ed.gov/Programs/EROD/ lists all the state departments of education web sites

State home buying programs
www.hud.gov/buying/localbuying.cfm

Community Resources

State and local government Web sites for gathering information on tax rates, schools, history, arts, cultures, education, travel, recreation, voting, healthcare, jobs and more.
www.usa.gov

Newspapers in your area
www.newspapers.com.

Helpful Telephone Numbers

HUD Approved Housing
1-800-569-4287