First Time Home Buyer tips pdf

Energy saving tips from the Department of Energy

This booklet shows you how easy it is to reduce your energy use at home and on the road. The easy, practical solutions for saving energy include tips you can use today, throughout your homeā€”from the roof, walls, and insulation that enclose it to the appliances and lights inside.  Energy Saving Tips.pdf

Interest only mortgages

The Board of Governors of the Federal Reserve System wants you to understand what an interest only mortgage is. Interest Only Mortgages.pdf

Lead in your house

The United States Environmental Protection Agency wants you to understand the hazards posed by lead in your house. Dwellings built before 1978 have paint that contains high levels of lead (called lead-based
paint). Lead from paint, chips, and dust can pose serious health hazards if not taken care of properly.
Lead Hazards in the Home.pdf

Shopping for a mortgage

Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Shopping around for a home-loan or mortgage will help you to get the best financing deal.
Looking For The Best Mortgage.pdf

Learn about the hazards of mold and mildew

There is no practical way for you to eliminate all of the molds and mold spores in the indoor environment. But there are many ways to help control moisture and mold growth in your home. Mold & Mildew.pdf

Home Buying Guide.pdf
This guide helps you understand the steps involved in the settlement process. Although the focus here is on settlements for home purchases, much of the guidance will also apply if you refinance a mortgage.

Mortgage shopping worksheet

Nice worksheet to compare lenders. Mortgage Shopping Worksheet.pdf

Learn about radon gas

This Guide answers important questions about radon and lung cancer risk. It also answers questions about testing and fixing for anyone buying or selling a home. Radon.pd

Learn about the settlement expenses

The Real Estate Settlement Procedures Act (RESPA) requires lenders and mortgage brokers to give you this booklet within three days of applying for a mortgage loan. RESPA is a federal law that helps protect consumers from unfair practices by settlement service providers during the home-buying and loan process.
Settlement Cost Booklet.pdf