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Home Economics

Home Economics

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U. S. Department of Housing and Urban Development - Home Economics Own Your Future
U. S. Department of Housing and Urban Development - Home Economics Own Your Future

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Published by: David Schmid, REALTOR, CCIM, CPM, CRS on Jul 19, 2011
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07/25/2011

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Read
(and Understand)
theFine PrintElevate Your Credit Score
The importance of good credit is a fact of life. Banks and credit card compa-nies decide whether to lend you money and  what interest rates you will pay based on your credit score. Be prepared to examinepast choices and, if necessary, to change your money habits. Decisions you maketoday will impact your future options.
 Annual Credit Report 
 
Check the accuracy of your credit report annually for free:
http://www.annualcreditreport.com.
To obtain your credit score fora fee, contact the three major credit reporting agencies:
Equifax (1-800-685-1111) TransUnion(1-800-916-8800) Experian (1-888-397-3742)
 ABCs of Homebuying 
HUD’s series of Internetvideos guides you through the credit and homebuyingprocess.
http://www.hud.gov/webcasts/archives/homeforall.cfm
Resident Opportunities and Self-Suffi ciency (ROSS)
 
Homeownership and creditcounseling for families in public housing or receivingHousing Choice Voucher (Section 8) assistance. Contactyour local public housing agency:
http://www.hud.gov/offi ces/pih/pha/contacts/index.cfm
Home Loan Learning Center
 
Informationon credit scores and reports, cost comparisons, andsteps to take to qualify for a loan.
http://www.homeloanlearningcenter.com
Consumers have more ways than everto buy a home. Know your rights. Homebuy-ers should understand their mortgage contract and be on the look-out for scam artists and predatory lenders. A HUD-approved housing counselor (1-800-569-4287) can help.
Borrowers’ Rights
 
HUD offers a complete list.
http://www.hud.gov/borrowersrights
Predatory Lending 
 
HUD has suggested a variety of  ways to protect yourself from predatory lending.
http://www.hud.gov/loanfraud
 
For resources in your area:
http://www.hud.gov/becareful
Fair Housing 
 
Housing discrimination based on yourrace, color, national origin, religion, sex, family status, ordisability is illegal. If you have been trying to buy or rent ahome or apartment and you believe your rights have beenviolated, you can file a fair housing complaint.Go to:
http://www.hud.gov/complaints
HUD expressly does not endorse, sanction, or promote any product, program, service, orenterprise for any private for-profit or non-profit organization, listed herewithin.
U.S. Department of Housingand Urban Development

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