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Choosing the Right Loan (4)+

  • Applying for a Loan

    Once you have negotiated a final purchase offer with the seller, you are ready to finalize the loan application process. Under RESPA (Real Estate Settlement Procedures Act), lenders are legally required to provide you with a good faith estimate within three days after receiving your application. The information gives you an estimate of your closing costs and monthly payments. This good faith estimate does not require lenders to provide a detailed breakdown of the closing cost items or to identify the persons responsible for the payments. Therefore, it is important for you to work with your real estate agent or attorney to understand all the closing cost fees. This will ensure that there are no significant surprises related to your final closing costs. Content Detail

    By:
    Ginnie Mae
  • Common Questions about Home Loans, Mortgages and Predatory Lending

    This document answers common questions about loans, mortgages, and how to protect your home from predatory lenders. Read More

    By:
    Atlanta Legal Aid Society Inc
  • Consumer Handbook on Adjustable Rate Mortgages

    This brochure helps you to understand Adjustable Rate Mortgages. Content Detail

    By:
    Federal Reserve Board
    Read this in:
    Spanish / Español
  • Home Loan Guaranty Services for Veterans and the Military

    This website contains information about: (1) the VA Home Loan program, (2) the Loan Guaranty Services, (3) Specially Adapted Housing for Disabled Veterans, (4) VA - Approved Lenders, (5) Refinancing Opportunities, and much more. Content Detail

    By:
    State Bar of Georgia Pro Bono Resource Center

Finding Your New House (6)+

Homeownership Programs (6)+

  • Ginnie Mae Homeownership Center

    This web site provides information about obtaining a mortgage and closing on a home. Content Detail

    By:
    Ginnie Mae
  • Good Neighbor Next Door Homeownership Opportunity

    This document provides information on The Good Neighbor Next Door (GNND) program from the U. S. Department of Housing and Urban Development (HUD). Content Detail

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • HOME Investment Partnerships Program

    This website is for the HOME program which provides grants to States and localities that partnership with local nonprofit groups to fund a wide range of activities that build, buy, and/or rehabilitate affordable housing for rent or homeownership or provide direct rental assistance to low-income people. Content Detail

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • Programs in the State of Georgia that make Homeownership Affordable

    The Georgia Department of Community Affairs' (DCA) Home Buyer & OwnHOME Loan Programs are available to qualified borrowers statewide who meet certain income restrictions and who are purchasing homes within certain purchase price restrictions. In addition, borrowers must have modest assets and the willingness to repay the loan. DCA's Steps to Becoming a Home Owner can help potential home buyers learn more about the home buying process. Content Detail

    By:
    Georgia Department of Community Affairs (DCA)
  • Rural Housing Service Section 502 Program

    Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Read More

    By:
    Georgia Legal Services Program®
  • The Nehemiah Program

    The Nehemiah Program® exists to help people become homeowners. The Nehemiah Program® provides gift funds for down payment and closing costs to qualified buyers using an eligible loan program, such as FHA. Gift funds of 1% to 6% of the contract sales price can be requested, depending on the particular needs of the buyer. Content Detail

    By:
    The Nehemiah Program

Weighing the Options (2)+

  • Buying vs. Renting a Home

    This web site helps you compare the advantages/disadvantages to buying a home versus renting one. You can view a Buy vs. Rent Comparison Chart, or a financial comparison of buying versus renting in the Buy vs. Rent Calculator. Content Detail

    By:
    New York Times
  • Life Skills for Homeowners and Renters

    Whether you own your own home or rent a house or apartment, there are a number of things you need to know and do to protect yourself from things like eviction, foreclosure, or overpaying for services. This guide sets out a number of life skills that you need to keep in mind in your daily business. Read More

    By:
    Atlanta Legal Aid Society Inc
    Read this in:
    Spanish / Español

Your Credit (3)+

Credit Information (2)+