Consumer Assistance

Financing Programs

FINANCING

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

Buyer Assistance Resources and Financing Programs.  These resources include links to organizations and information about special financing, down payment assistance, and much, much more.

Attorney General's Office

Predatory Lending

Credit Score

Fannie Mae

Becoming a Homeowner  This site answers your basic questions about mortgage loans, gives information on various financing programs available through approved lenders, and helps you find an approved lender in your area.

FHA

FHA Insured Loans  Special federal mortgage programs for rehab and Title 1 home improvement loans, energy efficient mortgages, and Indian Reservations are among those included.

Freddie Mac

Your Route to Homeownership  This site provided by Freddie Mac, provides information on the mortgage process, different types of mortgages, and what each type of mortgage can and cannot do for you.  It also contains a list of mortgage providers offering Freddie Mac products.

HUD

Don't Be a Victim of Loan Fraud
U.S. Department of Housing and Urban Development (HUD) 

Insurance

The Arizona Department of Insurance

Federal Reserve Board

Consumer’s Guide to Mortgage Settlement Costs
Interest Only Mortgage Payments and Payment-Option ARMs - Are They for You?
Looking for the Best Mortgage  The Federal Reserve Board offers information on shopping for, comparing, and negotiating the best financing deal. (Please be patient while this link opens for you.)

Federal Trade Commission

NATIONAL ASSOCIATION OF REALTORS®

“Are You Having Problems Paying Your Mortgage?”
Mortgage Fraud  Recognizing the signs

Mortgages

Mortgage 101  Learn about various mortgage programs, including VA loans and second mortgages from the National Association of Mortgage Brokers.  Find lots of information about all aspects of the mortgage loan and use the numerous loan calculators to estimate your costs.

Taxes

Tax information for first-time homebuyers