Self-help information through various links, documents, publications, etc. Check the Community Directory Channel for more resources.
There are 256 resources
Page 2 of 13
Buying a Home
Mortgages and Loans
Federal Mortgage Programs
(Separate Website)
This document contains information about federal programs to help you purchase your own home with a low-cost mortgage.
HUD's Federal Housing Authority (FHA) has mortgage insurance to help you become a homeowner. FHA doesn't actually make loans. Instead, it insures loans so that if buyers default for some reason, the lenders will get their money. This encourages lenders to give mortgages to people who might not otherwise qualify for a loan. You may be able to get an FHA loan 3% down, or even less! Talk to an FHA-approved lender about itto see if an FHA loan might be right for you.
By: U.S. Department of Housing and Urban Development (HUD)
High-Cost Home Loans: Don't Be a Target
(Separate Website)
Homeowners Beware! You may be a target for abusive lenders trying to sell you a loan you can't afford. If this happens, you may unable to make the high payments and lose your home at a foreclosure sale or spend all of your spare cash paying off a loan you didn't need or want.
By: National Consumer Law Center
Read this in:
Korean / 한국어
,
Russian / Pусский
,
Vietnamese / Tiếng Việt
HUD's Good Neighbor Next Door Sales Program
(Separate Website)
Law enforcement officers, pre-Kindergarten through 12th grade teachers and firefighters/emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.
By: U.S. Department of Housing and Urban Development
Overview of Predatory Lending Law
(Separate Website)
Report on current laws regarding predatory mortgage lending. PDF document (may load slowly).
By: South Carolina Appleseed Legal Justice Center
SC High Cost Mortgage and Consumer Home Act of 2003
(Separate Website)
Report on high cost mortgage loans and laws protecting consumers, presented in a slideshow format. PDF document (may load slowly).
By: South Carolina Appleseed Legal Justice Center
South Carolina's Predatory Lending Laws Brochure
(Separate Website)
PDF document (may load slowly).
By: South Carolina Appleseed Legal Justice Center
100 Questions and Answers About Buying a New Home
This web page from the web site of the Department of Housing and Urban Development, answers common questions about buying new homes.
By: U.S. Department of Housing and Urban Development
Other Formats:
Separate Website
Buying a Home
This document describes the basic process for buying a home, answering the following questions: What kind of property should you buy? How do you look for a house? What are the steps you must go through before you buy a house? What are the usual terms you find in a real estate contract? How do you pay for your new house?
How do you check the title for the property you are buying? What happens if you can't repay the loan? The document is an excerpt from An Introduction to Law in Georgia, Fourth Edition, published by the Carl Vinson Institute of Government, 1998 (updated 2004).
By: Carl Vinson Institute of Government, University of Georgia
Buying and Selling Real Estate
(Separate Website)
Lawline FAQ: This information emphasizes the buying and selling of residential real estate. Many would be home buyers use the services of a real estate agent. Although the use of a real estate agent is not required, he or she can help by handling some of the details involved.
By: South Carolina Bar Association
Buying vs. Renting a Home
(Separate Website)
There are many advantages to buying a home versus renting one. This web site helps you compare the two situations. View these advantages in the Buy vs. Rent Comparison Chart, or view a financial comparison of buying versus renting in the Buy vs. Rent Calculator.
By: Ginnie Mae
Buying Your Home and the Law
(Separate Website)
Buying a home involves complex considerations. Once you have decided on the area in which you wish to live, you can save time and frustration by working with an experienced real estate broker. PDF document (may load slowly).
By: South Carolina Bar Association
Common Questions of First-time Homebuyers
(Separate Website)
This document contains frequently asked questions that first-time homebuyers have about purchasing a home.
By: U.S. Department of Housing and Urban Development
Comprar un hogar (Buying a Home)
(Separate Website)
PDF document (may load slowly).
By: South Carolina Bar Association
Finding a Home to Buy
(Separate Website)
Looking for a home is an exciting project, one which will take time to thoroughly research. Do you know what you want in a home? How will you match what you are looking for in a home with the features that the homes on the market have? The following is a list of some of the items you may consider: (1) Size of home, number of bedrooms, baths, (2) Region of the country; which city? (3) Location of home; is it close to schools and shopping? (4) Type of home, (5) Age of home
This web site contains more information about these types of considerations.
By: Ginnie Mae
Getting the Mobile Home You Deserve
(Separate Website)
Advice for Mobile Home buyers.
By: National Consumer Law Center
Ginnie Mae Homeownership Center
(Separate Website)
This web site provides information about (1) mortgages, including mortgate math, (2) choosing a home, real estate agent, and mortgage loan, (3) the process and paperwork involved in getting a mortgage, (4) the process and paperwork involved in closing on a home, and (5) credit counseling.
By: Ginnie Mae
Home Ownership
(Separate Website)
Before you start looking for a home, take a home
buying class offered in your community. Call the
Housing and Urban Development number on
the back of this brochure for classes in your area.
Also, check your credit history so that you can
clear up problems before you apply for a loan.
Even if you do not plan to buy a home right
away, taking a home-buying class will help you
set goals and plan for the future.
By: Appleseed Foundation
Homeownership 101
(Separate Website)
In this section, you will learn some of the basics of buying a home, including choosing the right mortgage.
By: Ginnie Mae
Homes for Sale
(Separate Website)
Several federal agencies have properties to sell. In fact, HUD sells both single family homes and multifamily properties. Check them out - one might be just what you're looking for!
By: U.S. Department of Housing and Urban Development
How to Buy a Manufactured Home
(Separate Website)
A Consumer's Guide to Today's Manufactured Home
By: Federal Trade Commission
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
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(Separate Website)
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