Home Matters-New York

Home Matters

Buying	Already A Homeowner
Selling	Relocating
Contracts & Form Letters	Housing Related Help Groups

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

Real Estate Professionals-Rules, Regulations and Where To Complain (New York)
See helpful links for additional contact agencies.

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

Real Estate Agents & Brokers (BBB Tips)

Real Estate Agents & Brokers-Who Regulates Them (All 50 States & DC)
Find out where to complain.

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

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)
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

Tips, Brochures & Legal Info For Buyers

Your Home: A Buyer's & Seller's Guide To Closing Costs (New York)

Coops & Condos-Tips For Buyers, Sellers and Home Owners (Consumer-SOS)

Home Inspections And The New York Home Buyer (New York)
What to look out for.

Economic Empowerment (New York)
Help for homeowners who want to understand the process of buying a home, the importance of good credit, and how to avoid becoming victims of scams.

Contractors & Construction Liens (Law In All 50 States & DC)

Understanding New York Law: (Scroll Down Large Document, Can Download It As Well)
Contract Law (Canceling Contracts, Health Clubs, home repair remodeling, minors, sales contracts, etc) p.91, 95,
Home Ownership pp.137-147 (Buying & Selling pp.137-143, Building a Home p.144, Condos & Coops pp.146-147)

Buy A Home Without Much Money
Government programs, foreclosed properties, low down payment plans, etc.

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

The Difference Between Condos, Townhomes, and Cooperatives
The following explanations will help you sort out the differences and similarities in ownership of those three types of real estate.

Contractors & Construction Liens (Law In All 50 States & DC)

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

Coops & Condos

Before You Buy A Condo Or Co-Op (New York)

New York City Condo Rules Regulations & Dealing With Condo Boards

New York City Co-OP Rules Regulations & Dealing With Co-Op Board Of Directors

New York City Real Estate 101 -- Condos vs. Co-ops
Checklist of what to look out for.

Cooperative & Condo Conversion Manual (New York)
Essential information about different types of cooperative housing ownership, relevant NYS laws, the conversion process, and tenants’ rights. At the end, there is a helpful glossary as well as a list of resources.

Co-Ops, Condos & Homeowners Association Complaint Form (New York)

The Difference Between Condos, Townhomes, and Cooperatives
The following explanations will help you sort out the differences and similarities in ownership of those three types of real estate.

Your Right to A Habitable Co-Op Apartment (New York)
Does not apply to condos.

Answers to Questions Asked By New York City Home, Condo and Coop Owners (Google)
Remodeling, zoning, buying, selling, trash, etc.

Buy A Home Without Much Money

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)

Mortgages
Tips, Warnings & Legal Info
The Best Rates
Refinancing
Reverse Mortgages
Mortgage Insurance
Mortgage Discrimination
Complaints

Tips, Warnings & Legal Info

Housing Help (Consumer-SOS)
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.

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

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

Housing Help (Consumer-SOS)
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

Housing Help (Consumer-SOS)
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

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

Mortgage Discrimination

Housing Help (Consumer-SOS)
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

Complaints

Mortgage Broker Licenses In DC & All 50 States
Find out who regulates them & where to complain to.

Real Estate Agents & Brokers (BBB Tips)

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.

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 New York
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).

For More, See Fair Housing

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