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 Scams & Cons
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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

Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.

License Look Up For Ohio Realtors or Ohio Construction

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

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Tips, Brochures & Legal Info For Buyers

Buying a Home (Ohio)
Basics on titles, deeds, closings and what to look out for.

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

Ask Questions When Using Title Insurance Agencies (Ohio)

Condominium Sales Act (Ohio)
Protects the rights of condominium unit owners.
Mandates disclosures during construction.

Homebuyer’s Protection Act (Predatory Lending Law) (Ohio)
Protects against abusive lending practices  by non-bank lenders, loan officers and `/age brokers.

Consumers Should Watch Out for Predatory Contractors (Ohio)
Shady contractors and predatory lenders can team up to rob unsuspecting homeowners of the value they have in their homes. Tips and questions to ask so you can protect yourself from being scammed.

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

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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)


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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

Buying a Home (Ohio)
Basics on titles, deeds, closings and what to look out for.

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

 Property Law (An Overview With Some Reference to Ohio Law)
Types of Property, Types of Ownership, Liens, Mortgages and Condo Ownership, Easements, Licenses, Deeds, Titles, Adverse Possession and more!
For Zoning and Unit planning, see "Other Real Property Issues" on left hand index.

Homebuyer’s Protection Act (Predatory Lending Law) (Ohio)
Protects against abusive lending practices committed after December 31, 2006 by non-bank lenders, loan officers and mortgage brokers.

Consumer Sales Practices Act Addresses Predatory Lending Issues (Ohio)
Relates to Mortgages and illegal acts by mortgage brokers.

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 Addresses these consumer related issues.

Mortgage Guides & The Lowest Rates

Housing Help (Consumer-SOS)
Where to find help in 25 areas related to housing.

Looking for the Best Mortgage? (Very Comprehensive)

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.

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

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

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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 Ohio.

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

Consumer Sales Practices Act-Substantive Rules (Ohio)
 OAC § 109:4-3-01 Attorney General Addresses these consumer related issues.

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

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Reverse Mortgages

Reverse Mortgages Convert Home Equity into Cash (Ohio)

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

Ohio Insurance FAQS For Auto, Health, Life, Home and More

Complete List of Insurance Companies Authorized to Transact Business in the State of Ohio

Ohio Department Of Insurance (Main Page)

See Already A Homeowner/Insurance

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Mortgage Discrimination

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.

Civil Rights-Frequently Asked Questions (Ohio)
Discrimination questions regarding work, education, credit, public accommodation, filing charges, retaliation and more.

Ohio Attorney General's Office
Investigates illegal acts against Ohio consumers.

Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.

Search For Unfair, Deceptive or Unconscionable Acts Done by Ohio Businesses, Stores, Landlords, Etc (Attorney General)
Find out if the wrong done to you has been addressed in the AG's database. If it has you may be able to recover three times the amount of actual damages or $200, whichever is greater. Ignore all fields but their subject box, and choose a subject your issue relates to. Then click "SUBMIT" to Search records for similar violations done by that business or by any other business. Topics include everything from Aeronautics to False Advertising to Food to Travel.

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 The Ohio Attorney General Addresses these consumer related issues.

Housing Help (Consumer-SOS)
Where to find help in 25 areas related to housing.


See Mortgage Complaints

For More, See Fair Housing

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Complaints

Complaints Against Banks, Consumer Finance, Credit Unions, Money Transmitters, Savings Institutions and More (Ohio)
Find out about banks, the rules they must follow and who regulates them.

Ohio Attorney General's Office
Investigates illegal acts against Ohio consumers.

Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.

License Look Up For Ohio Realtors or Ohio Construction

File A Complaint Against All Kinds Of Insurance Companies (Ohio)

Find Your Legal Aid in Ohio By County or Zip Code

Ohio AIRS Statewide Social Services Directory (Call 211 to speak to a live person)
Thousands of links to Help agencies in your county.

Ohio Free Legal Help (Google Links To Pro Bono Resources)

Search For Unfair, Deceptive or Unconscionable Acts Done by Ohio Businesses, Stores, Landlords, Etc (Attorney General)
You may be able to recover three times the amount of actual damages or $200, whichever is greater. if your problem is found in their database and covered in an opinion letter or court case. Ignore all fields but their subject box, and choose a subject your issue relates to. Then click "SUBMIT" to Search records for similar violations done by that business or by any other business.

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 Attorney General Addresses these consumer related issues.

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

Find The AARP In Ohio
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 Ohio, 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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Home Matters-Ohio