| 100 Questions and Answers About Buying a New Home
- This great guide focuses on finances--from how much home you can afford, to various mortgage loan programs, insurance, taxes, and more. 40 pp
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| Achieving the Dream of Homeownership Early in Life
- Learn the various benefits of owning a home and how to prepare yourself financially for this major investment. 5 pp
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| Automatic and Programmable Thermostats
- How to choose which of the five basic types is best for your home and will help you save the most money and energy
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| Avoid Predatory Lenders
- Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too many families are suffering today because of a growing incidence of abusive practi
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| Borrower's Guide to Home Loans
- Here's how to find the best loan when shopping for home equity loans and reverse mortgages. 16 pp.
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| Consumer Handbook On Adjustable Rate Mortgages
- Basic features, advantages, risks, and terminology associated with adjustable rate mortgages. Explains how ARM's work, how to reduce your risk, and more. Includes a table for comparing mortgages
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| Don't Be A Victim of Loan Fraud
- Be a smart consumer when buying or refinancing your home. Use these 11 tips to learn more about predatory lending, recognize tactics that predators use, identify warning signs of fraud, and more.
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| Financing an Energy-Efficient Home
- Find mortgages and home improvement loans to make your home more energy efficient. 8 pp
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| Fixing Up Your Home and How to Finance It
- Information about hiring a contractor, doing the work yourself, and the HUD Title 1 home improvement loan program
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| For Your Protection Get a Home Inspection
- Understand the difference between a home inspection and an appraisal, the benefits of and protection provided by a home inspection, and how to find a qualified home inspector. 5 pp.
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| Glossary of Terms
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| Guide to Single-Family Home Mortgage Insurance
- Explains FHA mortgage insurance programs, including types available, how to qualify, how to apply, restrictions, and more. 8 pp.
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| Home Equity Conversion Mortgage at a Glance
- This type of mortgage, also called a federally insured reverse mortgage, allows people 62 and over to borrow against the equity in their homes without having to repay the loan as long as they are living in the home. Get the details on eligibility, fees, l
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| Home Sweet Home Improvement
- Check for the warning signs of a shady contractor; ask questions to protect yourself from fraud; complete the post-job checklist; and get tips on how to resolve complaints.
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| How To Avoid Foreclosure
- Explains how homeowners with FHA-insured mortgages can avoid losing their homes and ruining their credit because of missed payments
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| How to Be a Good Neighbour
- Being on bad terms with your neighbour can make your life frustrating, day after day. But taking the time to establish good terms with your neighbours has numerous benefits. The community will be friendlier, the neighbourhood safer, and the area a nicer a
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| How to Buy a Home With a Low Down Payment
- Describes how to qualify for a low down payment mortgage, determine what you can afford, and how mortgage insurance works. 9 pp.
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| How to Buy a Manufactured (Mobile) Home
- Tips on selection and placement, warranties, site preparation, transportation, installation, and more. 14 pp.
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| HUD Home Buying Guide
- Step-by-step instructions for finding and financing a HUD home. Includes charts to help you estimate mortgage payments. 14 pp.
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| HUD's Energy Efficient Mortgage Programs
- Energy Efficient Mortgages (EEMs) allow you to finance the cost of energy-saving improvements along with your home purchase or refinancing. Learn more about EEMs and how to apply for one. 2 pp
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| Looking for the Best Mortgage--Shop, Compare, Negotiate
- Use these 3 steps to save money on a mortgage or home loan. Includes a mortgage shopping worksheet. 7 pp
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| Opening The Door To A Home of Your Own
- If you're like most people, owning your own home is a major part of your American dream. The Fannie Mae Foundation wants to help you understand the steps you have to follow to reach that dream
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| Propane Prices
- Explains what propane is, where it comes from, and how the season and geographic region affect prices.
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| Protect Your Family From Lead In Your Home
- Exposure to lead is dangerous, especially to young children. Learn how to check your home for signs of lead
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| Protect Your Move
- More than 40 million Americans move every year. Use this guide to learn how to choose a reputable mover, get tips on spotting "rogue" movers, and deal with problems. 6 pp
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| Putting Your Home on the Loan Line is Risky Business
- Before getting a home equity loan, explore your options, comparison shop, be aware of questionable lender practices, and know your rights. Use the worksheet to compare loan offers from various lenders. 4 pp.
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| Rehab a Home With HUD's 203(k)
- Learn how you can get a long-term mortgage that includes the costs of reconstructing, modernizing and eliminating health and safety hazards in your home. Find out what properties are eligible, what improvements are covered, and how to apply
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| Renting An Apartment
- Advice about renting an apartment: where to look for, how much you should spend, location checklist, and much more
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| Residential Heating Oil Prices
- Sources of heating oil, reasons for fluctuations in oil prices, and tips to lower your monthly bill
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| Tips for a Successful Interstate Move
- Helpful information when you move to another state. Includes what you should know before choosing a mover, as well as tips on what to do if there is a problem. 7 pp
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| Turning "Fixer-Uppers" into Dream Homes.
- Learn how you can get a long-term mortgage that includes the costs of reconstructing, modernizing, or eliminating health and safety hazards in your home. Find out what properties are eligible, what improvements are covered, and how to apply. 2 pp.
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| Twelve Ways to Lower Your Homeowners Insurance Costs
- Practical tips and phone numbers of state insurance departments for more information. 4 pp
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LARRY JONES Associate Broker 
