Helpful Resources

Publications for Home Buyers and Home Owners from the US Government

BUYING A HOME

Buying an Energy Efficient Home.
192 KB download
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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.
144 KB download
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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.
4.8 MB download
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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.
2.0 MB download
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Interest-Only Mortgage Payments and Payment Option ARMs: Are they for you?. Explains these types of mortgages, including the benefits, risks, and how each affects monthly payments and your home equity.
2.7 MB download
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MOVING TO A NEW HOME

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.
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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.
687 KB download
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HOME OWNERS - HOME MAINTENANCE & IMPROVEMENT

Twelve Ways to Lower Your Homeowners Insurance Costs. Practical tips and phone numbers of state insurance departments for more information.
148 KB download
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Cooling Your Home Naturally. Ways to save electricity and keep your home cool with landscaping, roof treatments, shading, and windows.
112 KB download
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Energy Savers: Tips on Saving Energy & Money at Home. Reduce your home energy use with tips on insulation, weatherization, heating, and more.
2.3 MB download
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