Helpful Links
Home Buying Tips Online
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Community Realty http://www.yourownhome.org |
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Fannie Mae http://www.fanniemae.com/kb/index?page=home&c=homebuyers |
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Freddie Mac http://www.freddiemac.com/ |
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U.S. Dept. of HUD http://www.hud.gov/buying/index.cfm |
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Mortgage Guaranty Insurance Corp. http://www.buywithmi.com/ |
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Expired Homebuyer Tax Credits http://www.federalhousingtaxcredit.com/ |
Home Inspections & Home Repair
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National Association of Home Inspectors http://www.nahi.org/ |
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American Society of Home Inspectors http://ashi.com |
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Check NYS home inspector license status online http://www.dos.state.ny.us/lcns/ |
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Home maintenance links from Community Realty http://yourownhome.org/library-library.htm#Maintenance |
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NYS Attorney General "Know Your Contractor" http://www.nyknowyourcontractor.com/cfmqstaticdocs/ |
Credit Reporting Information
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Free Annual Credit Report http://www.annualcreditreport.com |
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Federal Trade Commission http://www.ftc.gov/bcp/menus/consumer/credit/rights.shtm |
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Equifax http://www.equifax.com |
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TransUnion http://www.transunion.com |
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Experian http://www.experian.com |
Using Debt Wisely
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National Consumer Law Center http://www.nclc.org/issues/seniors_initiative/information.shtml |
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FreddieMac CreditSmart® http://www.freddiemac.com/creditsmart/ |
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Shopping for a Credit Card http://www.federalreserve.gov/Pubs/shop/ |
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Behind on Your Mortgage http://www.hud.gov/offices/hsg/sfh/econ/econ.cfm |
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NYS Consumer Protection Board http://www.consumer.state.ny.us/ |
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NYS Attorney General on Consumer Debt http://www.nydebthelp.com/ |
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Federal Trade Commission http://www.ftc.gov/bcp/consumer.shtm |
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Payroll Card Questions and Answers http://www.consumersunion.org/pub/core_financial_services/000920.html |
Mortgage Loan Programs
| State of New York Mortgage Association (SONYMA) http://nyhomes.org/index.aspx?page=48 |
| USDA Rural Development Financing http://eligibility.sc.egov.usda.gov |
| Federal Housing Administration (FHA) http://portal.hud.gov/portal/page/portal/HUD/federal_housing_administration |
Beware of Predatory Lending
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Consumer tips from the Center for Responsible Lending http://www.responsiblelending.org/consumers/index.cfm |
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BorrowSmart consumer education campaign http://www.borrowsmart.org |
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NYS Banking Department brochures http://www.banking.state.ny.us/cs.htm |
Foreclosure Prevention
| Information and foreclosure related links at our "HomeSave" pagehttp://www.ahphome.org/homesave.htm |
Help Outside the Capital District
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New York State Affordable Housing Database http://www.dhcr.state.ny.us/ahd/default.asp |
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National Listing of HUD-Approved Counseling Agencies http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm |
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Find NeighborWorks® Organizations http://nw.org/network/Utilities/NWOLookup.asp |
Recursos en Español (Home Buying & Credit in Spanish)
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Puntos destacados de HUD http://espanol.hud.gov/index.html |
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M&T Bank http://info.mandtbank.com/personal/mortgage/spanish/index.asp |
| Federal Trade Commission http://www.ftc.gov/bcp/index_es.shtml |
| Preguntas Comunes de los Empleados sobre las Tarjetas de Nómina (Payroll
Cards) http://www.consumersunion.org/espanol/ |
| Utilizar su hogar como garantía http://www.federalreserve.gov/pubs/riskyhomeloans/riskyspanish.htm |
255
Orange St.