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Home  Georgia Home Matters


Home Matters

 

 
 

Buying Already A Homeowner
Selling Relocating
Contracts & Form Letters

Housing Related Help Groups

  Free Background Checks (How To Videos)


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Buying
Tips, Warnings & Legal Information
Real Estate Agents, Brokers & Recording Offices
Mortgages
Home Inspection
Defects In Your House

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Real Estate Agents, Brokers & Recording Offices

*Atlanta Board Of Realtors

Realtor.com (Find Houses Online)
See what's for sale. Enter price range, location and # of bedrooms, etc.

Georgia Real Estate Commission (404) 656-3916
To file a complaint against a broker or realtor or know the rules that regulate them.

Finding A Real Estate Agent (Nolo.com)
Links nationwide

Real Estate Agents & Brokers (BBB Tips)

Working With A Real Estate Agent (Nolo.com)
How to deal with a real estate agent when you buy a house. 

Do You Need a Real Estate Agent to Sell Your House?
You may not need a real estate agent to sell your home. These frequently asked questions will help you decide. 

Do You Have What It Takes To Buy Or Sell Your Home Without a Realtor?
Can you do without one? Answer their list of questions to find out. 

Real Estate On The Web (Nolo.com)
An overview of online real estate services available to homebuyers-from house listings to mortgage loans.

Real Estate Licensee Rules. A Compendium of Online Real Estate Manuals & laws Governing Realtors (34 States Including GA)
Search for rules on discipline, complaints and breach of duties.
Sometimes links won't work unless you link manually.
To link manually, select state, and use your right mouse click to copy the link into your address box. Then press enter.

Real Estate Links For Most States and Big Cities

County Real Estate Records. A Nationwide Listing of Real Estate Recording Offices


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Tips, Brochures & Legal Info For Buyers

*Buying A Home (GA Bar)
The basics on choosing the right location, making an offer, getting ready for closing, title insurance and more.

*Home Purchase Traps (GA Legal Aid)
Learn the kind of deals to avoid and where to turn for help if you're a victim. 

Buy A Home Without Much Money (Consumer-SOS)
Government programs, foreclosed properties, low down payment plans, etc.

Questions About Realtors (Consumer-SOS)
Do you even need a realtor to buy or sell your home? How to select one and what should you expect from one.

Realtor.com (Find Houses Online)
See what's for sale. Enter price range, location and # of bedrooms, etc.

How to Buy A Home With A Low Down Payment

Buying A Home With Poor Credit

Buying A House, Selling A House & Neighbor Law (Nolo.com)
Great articles on the basics in all the areas above.

Buying An Unbuilt Home (BBB)

The Cooling Off Rule (When You Can Cancel A Sale or Sales Contract)

Real Estate Agents & Brokers (BBB Tips)

Home Sales-Actual Prices Of Homes By Their Address or Zip Code for the Last 18 months 
Simply choose an area, and you'll get a list of homes recently
sold there, with the sale price and date. Also get an overview
of all sales activity in the area.

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

FAQs On The Real Estate Settlement Procedures Act
(RESPA)
When RESPA Does & Does Not Protect You against Unfair Housing Practices.

Real Estate Licensee Rules. A compendium of online real estate manuals and laws for most states (34 States Including GA)
Search for rules on discipline, complaints and breach of duties.
Site links don't work unless you link manually.
Select state, use your right mouse click and copy the link into the address box.


County Real Estate Records. A Nationwide Listing of County Real Estate Recording Offices

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Buy A Home Without Much Money

Affordable Housing Development (GA)
12 US and GA specific resources for buying affordable housing.  

Fulton County Refugee Resource List
Contact numbers and some links to helpful groups and government agencies. 

How to Buy A Home With A Low Down Payment

How To Buy A Manufactured Home (FTC)

Government Home Buying Programs (Usually At Big Discounts)

HUD Homes For Sale
(All 50 States & DC)

Buying HUD Homes For $1
(All 50 States)

How To Buy Foreclosed Properties

Government & Foreclosed Homes For Sale
(All 50 States & DC)

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Mortgages
Tips, Warnings & Legal Info
The Best Rates

Refinancing
Reverse Mortgages
Mortgage Insurance
Mortgage Discrimination
Complaints

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Tips, Warnings & Legal Info

*Atlanta Housing Help 
Where to find help in 25 areas related to housing.

Looking for the Best Mortgage?
(Very Comprehensive)

Can't Pay Your Rent, Mortgage or Utilities? (Consumer-SOS)
Step by step on what to do and where to go for assistance.


The Basics-What You Need To Know About Mortgages

A Consumer's Guide To Mortgage Lock-Ins
What they are and where to complain.

LifeChangeLending.Com
Provides financial solutions for people in transition-First time home buyers, newly single, or people who want to take advantage of the foreclosure market. Has Rent2Own Solutions for those not ready to purchase immediately.

Predatory Mortgage Lending:  A Catalog of Abuses
Good For All States.

LifeChangeLending.Com
Provides financial solutions for people in transition-First time home buyers, newly single, or people who want to take advantage of the foreclosure market. Has Rent2Own Solutions for those not ready to purchase.

Mortgage Servicers (Your Legal Rights & Where To Complain)

High Rate Home Loans-Your Rights Under The Home Ownership & Equity Protection Act

FAQs On The Real Estate Settlement Procedures Act (RESPA)
When RESPA Does & Does Not Protect You against Unfair Housing Practices.

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

Mortgage Guides & The Lowest Rates


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Mortgage Rates

*Atlanta Housing Help 
Where to find help in 25 areas related to housing.

Home Loan & Mortgage Calculator
To solve a loan, enter the desired information and press "Compute." Leave the unknown field blank, the loan calculator will solve for that unknown. You can solve for a loan amount, number of payments, payment amount, or interest rate. You can only solve for 1 unknown at a time. 

http://www.google.com/search?hl=en&lr=&ie=UTF-8&q=%22lowest+rates%22+mortgages+loans+%22credit+cards%22+savings+cds+%2250+states%22

Dubbed as the largest and most informative index of financial institutions in the industry and on the internet. Select your state for the best rates for home equity loans & mortgages and unsecured credit lines.

www.debtworkout.com/altcc.html
Links to residential lenders and mortgage brokers throughout the United States offering loans to borrowers with credit problems, bankruptcy or foreclosures on their credit report.

http://www.imoneynet.com/

Finding low mortgages, auto loans, and credit card rates.

www.hsh.com
Current and past mortgage rates and market commentary.  Loan terms and conditions explained.


Mortgage Links With Descriptions (All 50 States & DC)
Find the lenders in your state.

Mortgage Guides & The Lowest Rates

www.quickenmortgage.com/
Provides to be homeowners with information on their credit and obtaining a mortgage.

Bankrate Monitor
Will tell you the best rates for a mortgage or home equity loan.

www.eloan.com
Licensed in at least 40 states, E-LOAN allows consumers to apply for a home loan via e-mail. On this site, consumers can search for the best rates on mortgages and home equity loans. It costs nothing to apply for a loan and your application will get a response within 24 to 48 hours.

www.getsmart.com
GetSmart.com can help you find an affordable home loan - by
connecting you with lenders happy to compete for your business.

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Refinancing

*Atlanta Housing Help 
Where to find help in 25 areas related to housing.

Refinancing Your Home

Second Mortgage Financing (Fast Facts)

A Consumer's Guide To Mortgage Refinancing

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Reverse Mortgages

Reverse Mortgages (Fast Facts)

Reverse Mortgages
(Website With Links)

Reverse Mortgages For HUD homes (Has links Where To File Complaints)

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Mortgage Insurance

See Already A Homeowner/Insurance

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Mortgage Discrimination

*Atlanta Housing Help 
Where to find help in 25 areas related to housing.

Mortgage Discrimination

The Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA) protect you against discrimination when you apply for a mortgage to purchase, refinance, or make home improvements. Learn when you're being discriminated against and where to go for help.

See Mortgage Complaints

For More, See Fair Housing

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Complaints

*Georgia Mortgage Lenders

*Schemes to Steal Your House Or Your Money 
Good places to call for help.

Mortgage Broker Licenses In DC & All 50 States

Find out who regulates them & where to complain to. 

Federal Reserve Board

For information on and reporting violations of the Truth In Lending Act and the Equal Credit Opportunity Act.  

Reverse Mortgages For HUD homes (Has links Where To File Complaints)

Find The AARP In Your State
The AARP offers legal advocacy for seniors and may also have state specific consumer brochures which are available to everyone.

Find Your Local Newspaper, Magazine, Radio & TV Stations
Give them a little bad press and you're bargaining power increases tremendously. Select your state, and then click on your county or city for the proper media to report to. (DC Not Included)

LifeChangeLending.Com
Provides financial solutions for people in transition-First time home buyers, newly single, or people who want to take advantage of the foreclosure market. Has Rent2Own Solutions for those not ready to purchase.

 

 

COMPLAINTS (Regarding  Georgia Mortgage Lenders
Q:   I am considering obtaining a mortgage through one of your licensees. Have any complaints been filed against them?
  A: Confidentially laws will not allow us to discuss specific complaints against a licensee with the public. Watch our Monthly Summary or check our web site for the names of individuals and companies who have been subjected to Cease and Desist Orders or other sanctions. A list of Revoked and Suspended licenses is also included in the Monthly Summary. Rest assured that we are taking all possible legal steps to insure that companies operating illegally are properly sanctioned. These sanctions can include substantial monetary fines or Revocation or Suspension of a license.

Click here to see the Mortgage Monthly Summary.

Click here for a list of companies and individuals who are subject to a Cease and Desist order.

Q:   I have a complaint against a company offering mortgage services in Georgia. How do I file a complaint?
  A: Complaints against mortgage licensees should be filed in writing and are handled by our Consumer and Legal Affairs Division. For further information, call 770-986-1633 and ask to speak to a Consumer and Legal Affairs Specialist.

Click here to obtain forms and information regarding filing a complaint with the Department of Housing and Urban Development regarding violations of federal law.

 

 
 

 

 

For More, See Fair Housing

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