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Consumer Assistance Buyer Assistance Resources and Financing Programs |
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BUYING OR SELLING A HOME Disclosure, negotiating terms, financing, inspection, legal documents...selling or buying a home is an intimidating, complex process. Are you ready? Read the information below, then call a REALTOR® to help make your transaction as smooth as possible.
What questions should I ask to make sure the home I found will be a good investment? Whether you're a first-time buyer or a move-up buyer, it pays to be informed.
Many problems are a result of miscommunication and can be resolved through speaking directly with the REALTOR® or their broker. If you are not satisfied with the outcome, use the information below to learn how to file a complaint.
The Fair Housing Act and other federal and state laws have been enacted to guarantee equal housing opportunities for all Americans. These laws prohibit discrimination in housing on the basis of race, color, religion, sex, national origin, age, disability, and familial status.
How much mortgage can you afford? What kinds of mortgage loans are available? Where can you get help with down payments? There are numerous federal, state, county, and city programs for buyers in almost every situation. Learn to talk "mortgage talk" - escrow, title, appraisals, closing costs, points - and become an informed buyer by using the resources below. AAR
Attorney General's Office Fannie Mae
FHA
Freddie Mac
HUD Federal Reserve Board
Federal Trade Commission NATIONAL ASSOCIATION OF REALTORS®
Miscellaneous
Looking for a real estate professional but not sure where to start? How can you be sure the person you're hiring is qualified to do their job? Membership in a professional association often requires more ongoing education and members are held to higher standards of practice and ethics. Following are organizations that allow you to search their membership for professionals in your area. Appraisers: Auctioneers: Commercial REALTORS®: Home Inspectors: International Specialists: Legal Assistance:HOMEOWNERS' ASSOCIATIONS Whether the home is in a planned community or a condominium complex, there are laws governing how HOAs operate. Knowing what is in the Conditions, Covenants, and Restrictions (CC&Rs) prior to purchasing a home in an HOA will help you make the right decision for your lifestyle.
Find people who are fluent in many different languages. LANDLORD/TENANT
You've probably already considered your personal reasons for selling, but have you taken into account other factors, such as market conditions, your property's value and tax implications? Unless you're locked into selling your home (e.g., you've already accepted a job offer in another city), it's a good idea to look at the whole picture before deciding to sell. |
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