Ohio Department Of
Insurance (Main Page)
For questions or complaints about insurance matters.
Ask Questions When Using Title Insurance Agencies (Ohio)
www.insure.com
Provides well written, authoritative advice on buying home
and other insurance as well as dealing with insurers.
Buyers can search for firms offering specific coverage in their state and can
check a company's strength.
You can also link to insurance companies, quote services and agents, but
any selling takes place off their website site.
See Consumer-SOS/Insurance
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.
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 committed after December 31, 2006 by
non-bank lenders, loan officers and mortgage brokers.
For More Help, See Lawyers, Courts & Self Help
Call For Action
Staff of volunteers hear consumer complaints and act as mediators between the service
provider and aggrieved consumer and seller. These
volunteers often have the clout of a major TV or radio station behind them which often makes
people much more cooperative.
Mortgage Issues & Loan Programs
If you want to buy a house but don't think you can afford the down payment, consider this: Many lenders offer programs which allow a buyer to get a home for as little as 3 percent by using mortgage insurance. The premiums vary, depending on the size of the down payment, type of mortgage, and the amount of insurance coverage.
Many of the groups below either regulate the Mortgage industry or offer assistance for lower income first time buyers. The website offer loans for anyone who qualifies.
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.hsh.com
Current and past mortgage rates and market commentary.
Loan terms and conditions explained
Federal
Trade Commission-Division Of Credit Practices
For complaints, and reporting unfair lending practices.
For information about FHA-insured home mortgage loans on one to four family
dwellings.
HUD
Customer Service Distribution Center (800) 767-7468
Can
order lots of government publications on your legal rights.
HUD
Counseling Clearing House (888) 466-3487
Provides
a variety of contacts and information for first-time home buyers, owners,
renters and people at risk of default or foreclosure.
Lender with various home ownership programs.
American Moving & Storage Association
(703) 683-7410
They can tell you if the mover is licensed.
For disputes, you have only 60 days after a move to request for
arbitration with an interstate mover. All
requests must be in writing.
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.
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Illegal Drug
Tipline (Ohio Attorney General)
Works with local law enforcement agencies to fight illegal drug activity in
Ohio. The bureau’s Narcotics Unit assists law enforcement on a variety of drug
cases, ranging from cracking down on street-level drug dealers to participating
in larger investigations involving multiple law enforcement agencies. The bureau
also has a special unit that focuses on eradicating marijuana in indoor grow
houses throughout the state.
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.
Citizens Can Take Action Against Water and Air Polluters (Ohio)
How
To Start Your Own Neighborhood Watch (Good For All States)
See Also Basic
Tips To Follow For Stopping Crime
Neighborhood Organizations
Find out about neighborhood watches and other community groups in your area or
anywhere else throughout the country.
Zoning
Lighting Up for Crime Prevention (HTML)
Neighborhood Watch Gets Residents Prepared
See right hand side Table of Contents. Provides residents with the information
they need to strengthen their com`ties and effectively prevent and respond to
the threats of terrorism, crime, or any kind of disaster through a Neighborhood
Watch Program.
Google or Check your city government pagesfor "parks" or "recreation"
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
Real Estate Links For Most States and Big Cities
For more on who regulates them,
See
Occupational Licensing Boards
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.
RESPA
Enforcement (202) 708-4560
Regulates escrow and loan servicing accounts (the taxes and insurance on a
mortgage)
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
FAQs
On RESPA From HUD
RESPA Resource Links For Many Of The States
For more information about RESPA and where to for complaints.
Ohio Department
of Transportation
For roads, public works, transportation.
City
Code Site (All 50 States, Not DC)
Learn how your city code treats, garbage, nuisance and safety hazards.
Also check your city government pages in the phone book for "public works"
or "streets and sidewalks."
Taxes
Tax
Assessor Data Base (All 50 States, Not DC)
Find phone numbers and links to tax assessors throughout the US.
See Consumer-SOS-Taxes
Ohio Department
of Transportation
For roads, public works, transportation.
See Carpools
City
Code Site (All 50 States, Not DC)
Learn how your city code treats, garbage, nuisance and safety hazards.
Back
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Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.
Federal
Reserve Board
For information on the Truth In Lending Act and the Equal Credit Opportunity
Act.
See Mortgages
For More See
Resource Guide For Veterans and Military Personnel (Ohio)
Scroll down for health medical and financial resources for veterans. also has
consumer law.
The
Department Of Veteran Affairs (800) 827-1000
For information about the various programs available to veterans.
Back
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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.
Citizens Can Take Action Against Water and Air Polluters (Ohio)
City
Code Site (All 50 States, Not DC)
Learn how your city code treats, garbage, nuisance and safety hazards.
Environment Ohio
A statewide, citizen-based environmental advocacy organization that combines
independent research, practical ideas and tough-minded advocacy to overcome the
opposition of powerful special interests and win real results for Ohio's
environment.
Also check your phone book's city & county
government pages for
you local "Zoning Enforcement Division."
See Also Nuisances
And Health & Safety