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Homes - Own Versus Rent

Buying A Home – Advice From The FTC
Learn about real estate brokers, agents, and sales commissions via this Federal Trade Commission link. Also available in Spanish.

Buying A Home – Tips From HUD
The U.S. Department of Housing and Urban Development provides information on every step in the home buying process, including HUD's special home buying programs. 

Ginnie Mae
Check the Consumer Education pages to learn what services Ginnie Mae provides for homeowners.

High-Rate, High-Fee Home Loans and the Home Ownership and Equity Protection Act (HOEPA)
You are protected from lenders who try to violate the law. Learn how you are protected from them and their practices and how action can be taken against such a lender. Also available in Spanish. 

Housing Publications
Check this website for links to pamphlets and brochures full of basic information on the place that you call or will call home.

New Home Warranties
Know your options on warranties available for your newly-built home.

Ohio Housing Finance Agency – First-Time Homeowner Program
The Ohio Housing Finance Agency, formerly a division of the Ohio Department of Development, is now an independent state agency whose mission is to better serve the “long term affordable housing needs of Ohioans”. Low and moderate income Ohioans can purchase homes through this program. Check this website for details on qualifications, loan features and types, application procedures, and more.

Ohio Rental Housing Locator
If you decide to rent rather than own, use this free website to search the state for apartments and houses to rent by location, cost and features. The site is supported by the Ohio Housing Finance Agency, Ohio Developmental Disabilities Council, Ohio Department of Development, Ohio Department of Aging and the Ohio Department of Job & Family Services.

Protecting Your Move
Check out the information from the website of the U.S. Department of Transportation's Federal Motor Carrier Safety Administration before you choose a mover. Along with tips and guidelines, you can search their database on movers and their complaint history.

Tips About Home Inspections
Before you buy a home, it is suggested that it be professionally inspected. Tips from the Better Business Bureau on selecting a home inspector can begin the process.

Using Your Home For A Loan
Are you thinking of using your home as collateral for a loan? Check out information from the Federal Trade Commission before taking any steps. A handy worksheet for comparison of lenders accompanies it. Also available in Spanish.

Homes - Mortgages

Consumer Handbook On Adjustable Mortgage Rates
If you are considering this type of mortgage, check the timely information from the Federal Reserve Board. The link also provides a Mortgage Shopping Worksheet to assist in your decision making.

Loan Calculator (FINRA)
Use this calculator to determine the monthly payment for that car loan. See if an extra year on the term of the loan really makes sense. Use our calculator to find out.

Mortgage Ad Alert
Don't be fooled by advertisements for mortgages. Understand the language used in these ads and learn what important information may not be included. Also available in Spanish.

Mortgage APR Calculator
This Dinkytown.net calculator is used to determine the Annual Percentage Rate (APR) for your mortgage. A report is generated from the results of the calculation.

Mortgage Closing Costs
Check out the Federal Reserve Board's guide on mortgage settlement costs for a better understanding of this part of the mortgage process. 

Mortgage Discrimination
Do you have suspicions that the rejection of your loan request was based on possible discrimination? Learn about your rights under the Equal Credit Opportunity Act and the Fair Housing Act from the website of the Federal Trade Commission. Also available in Spanish.

Mortgage Information And Advice – Federal Citizen Information System
The Federal Deposit Insurance Corporation's website provides up-to-date information on obtaining mortgages or refinancing one in our new housing climate.

Ohio Housing Finance Agency – First-Time Homeowner Program
The Ohio Housing Finance Agency, formerly a division of the Ohio Department of Development, is now an independent state agency whose mission is to better serve the “long term affordable housing needs of Ohioans”. Low and moderate income Ohioans can purchase homes through this program. Check this website for details on qualifications, loan features and types, application procedures, and more.

Ohio Housing Finance Agency – Ohio Heroes Program
The Ohio Housing Finance Agency, formerly a division of the Ohio Department of Development, is now an independent state agency whose mission is to better serve the “long term affordable housing needs of Ohioans”. Eight career categories qualify for special mortgage rates through the agency: Active Military, Emergency Medical Technicians, Firefighters, Healthcare Workers, Military Veterans, Paramedics, Police Officers, and Teachers. Check the website for details.

Ohio Housing Finance Agency – Target Area Loan Program
A target area is an economically distressed area designated by the U.S. Department of Housing and Urban Development (HUD). OHFA’s Target Area Loan Program helps revitalize Ohio target areas through their first-time homebuyer loan products and competitive interest rates available to “ANY qualifying buyer purchasing a home in these areas.” Check this website for details, including target area maps for your Ohio county.

Shop, Compare, And Negotiate For Your Mortgage
Find the best mortgage by looking at information from the Fair Trade Commission and by using its mortgage shopping worksheet. Also available in Spanish.

Shopping Around For A Home Loan Or Mortgage
To obtain the best deal for your home loan or mortgage, your are advised to shop around. This link on the Federal Reserve Board's website shows you the process. Also available in Spanish.

Homes - Forclosure Resources

Avoiding Foreclosure-HUD.gov
Foreclosure information and help from the U.S. Department of Housing and Urban Development

Federal Government's Programs to Help Homeowners Avoid Foreclosure
The federal government announced several programs over the last few years to help homeowners in need of assistance avoid foreclosure.

Foreclosure Prevention from the Ohio State Treasurer
This Ohio State Treasurer's web portal provides much information and contacts for those dealing with foreclosures, loss mitigation and refinancing.

Foreclosure Rescue Scams – How To Avoid Them
If you are having difficulty meeting your mortgage payments, learn how to find legitimate help and how to avoid scams. Also available in Spanish.

Homeownership Preservation Foundation (HPV)
The Homeownership Preservation Foundation (HPF) is a nonprofit group that helps financially challenged homeowners navigate their budget problems and, whenever possible, help them to avoid mortgage foreclosure – and they do it free of charge. To talk with one of their housing counselors, please call their Homeowner’s HOPE Hotline at 888-995-HOPE™ (4673).

How To Solve Mortgage Payment Problems
Look to information from the Federal Trade Commission if you are having trouble paying your mortgage. Also available in Spanish.

Making Home Affordable
The Obama Administration’s Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable and includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.

Mortgage Foreclosure Resources
Information from the Federal Reserve and other government agencies to help in this difficult time.

Ohio Housing Finance Agency
From rental to homeownership assistance, the Ohio Housing Finance Agency (OHFA) helps Ohio’s first-time homebuyers, renters, senior citizens, and others find quality, affordable housing that meets their needs. Find out how OHFA’s programs can help you.

Save the Dream Ohio
Ohio's Foreclosure Prevention Effort