Sources

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Below is a list of publications, sources and Internet sites from which we gathered our information. We have included their addresses for your convenience to order their fact sheets, publications, or brochures.

20 Questions to Ask Before Choosing a Mortgage. Fact sheet. Louisiana State University Agricultural Center, Knapp Hall, P.O. Box 25100, Baton Rouge, Louisiana 70894-5100.

A Consumer's Guide to Mortgage Closings. Brochure. Federal Reserve Board; Federal Home Loan Bank Board, Division of Consumer and Community Affairs, Washington, DC 20551.

A Consumer's Guide to Mortgage Lock-Ins. Brochure. Federal Reserve Board; Federal Home Loan Bank Board, Division of Consumer and Community Affairs, Washington, DC 20551.

Affordable Housing - The Cooperative Solution. Fact Sheet by Ann Hoyt, John Merrill and Susan Hobert. University of Wisconsin Extension Service, Agricultural Bulletins, Room 245, 30 North Murray Street, Madison, Wisconsin 53715.

Affordability Guidelines For Home Buyers. Fact Sheet. Marjorie Jensen, Department of Community Planning, University of Rhode Island, Rodman Hall, Kingston, Rhode Island 02881-0804.

A House for You: Learn at Home. Packet. Cooperative Extension Service University of Nebraska, Room 205 TCD, Lincoln, Nebraska, 68583-0804.

A Home of Your Own. Booklet. Consumer Information Center, U.S. General Services Administration, PO Box 100, Pueblo, Colorado 81002.

Alternative Documentation Brochure. Brochure. Mortgage Guaranty Insurance Corporation, Marketing Department PO Box 488, MGIC Plaza, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202.

A Quick Guide To Home Loan Choices. Fact Sheet. Marjorie Jensen, Department of Community Planning, University of Rhode Island, Rodman Hall, Kingston, Rhode Island 02881-0804.

Basic House Inspection. Fact Sheet. Cornell University Cooperative Extension, Publications Distribution, Cornell Business and Technology Park - Building 7 and 8, Thornwood Drive, Ithaca, New York 14850.

Basics of Sound Underwriting Book. Fannie Mae, Customer Education Group, 3900 Wisconsin Avenue N.W., Washington, DC 20016-2899.

Before You Buy A Home Fact Sheet. Rutgers Cooperative Extension, Cook College, Home Ec Extension House, PO Box 231, New Brunswick, New Jersey 08903.

Best Buyer Guidebook - Coldwell Banker Takes the Mystery Out of Finding and Financing a Home. Pamphlet. Coldwell Banker Real Estate, Sears Tower, Chicago, Illinois 60684.

Buying A Home? How Will You Finance It? Fact Sheet. Mississippi State University Cooperative Extension Service, PO Box 5446, Mississippi State, Mississippi 39762.

Buying A Home Is Your Best Investment. Brochure. Mortgage Guaranty Insurance Corporation, Marketing Department PO Box 488, MGIC Plaza, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202.

Choosing Home-Buying Professionals. Fact Sheet. Rutgers Cooperative Extension, Cook College, Home EC Extension House, PO Box 231, New Brunswick, New Jersey 08903.

Closing Costs. Fact Sheet. Community Development Legal Assistance Center, 99 Hudson Street, New York, New York 10013.

Closing Documents You Will Sign. Fact Sheet. Community Development Legal Assistance Center, 99 Hudson Street, New York, New York 10013.

Condos, Co-ops and PUDs. Book. Fannie Mae, Customer Education Group, 3900 Wisconsin Avenue NW, Washington, DC 20016-2899.

Consumer Handbook on Adjustable Rate Mortgages. Brochure. Consumer Information Center, US General Services Administration, PO Box 100, Pueblo, Colorado 81002.

Consumer Information Center. Multiple publications. Consumer Information Center, US General Services Administration, PO Box 100, Pueblo, Colorado 81002.

Consumer Education Resources. Multiple publications. National Institute for Consumer Education, 207 Rackham Building, Eastern Michigan University, Ypsilanti, MI 48197; Consumer Credit Education Hotline: 800-336-6423 or 313-487-2292.

Family Financial Consultant Handbook. Handbook. Laurie Boyce, 433 Lowell, 610 Langden St., Madison, Wisconsin 53706.

Financial and Legal Aspects of Buying a Home. Fact Sheet University of Nebraska, Room 205 TCD, Lincoln, Nebraska, 68583- 0804.

Financial Aspects of Home Ownership. Fact Sheet. Rutgers Cooperative Extension, Cook College, Home EC Extension House, PO Box 231, New Brunswick, New Jersey 08903.

Financial Management Extension Consultant Program. Program developed for the Minnesota FmHA. University of Minnesota, Minnesota Extension Service, McNeal Hall, 1985 Buford Avenue, St. Paul, MN St. Paul, Minnesota 55108.

Financing The Home. Booklet by Joseph L. Wysocki. Building Research Council, College of Fine and Applied Arts, University of Illinois at Urbana-Champaign, One East Saint Mary's Road, Champaign, Illinois 61820.

Focus: A Closer Look At ARM Pricing. Booklet. Fannie Mae, Customer Education Group, 3900 Wisconsin Avenue NW, Washington, DC 20016-2899.

Getting Out Of Debt: A Self-Help Guide. Clemson University Cooperative Extension Service, Bulletin Room, 83 Poole Agricultural Center, Clemson University, Clemson, South Carolina 29634-0312.

Guide to Single Family Home Mortgage Insurance. Brochure. US Department of Housing and Urban Development, 7th and D Street SW, Washington, DC 20410-3000; HUD User Line: 800-245-2691.

Helping You Buy The Home You Want. Fact Sheet. Private Mortgage Insurance Company, 601 Montgomery Street, San Francisco, California 94111.

Home Buyer Checklist. Brochure. Mortgage Guaranty Insurance Corporation, Marketing Department PO Box 488, MGIC Plaza, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202.

Home Buyer's Guide for Older Homes. Fact Sheet. Mississippi State University Cooperative Extension Service, PO Box 5446, Mississippi State, Mississippi 39762.

Home Buying The First Time Around. Booklet by John Merrill. University of Wisconsin Extension Service, Agricultural Bulletins, Room 245, 30 North Murray Street, Madison, Wisconsin 53715.

Home Buyer's Vocabulary. Booklet. Consumer Information Center, US General Services Administration, PO Box 100, Pueblo, Colorado 81002.

Home Buying and Selling. Article. William E. Murphy, Associate Extension Professor, 128 Ag. Eng. Bldg., University of Kentucky, Lexington, Kentucky 40546-0276.

Homeowner's Insurance - How Much Do I Need? Booklet. Clemson University Cooperative Extension Service, Bulletin Room, 83 Poole Agricultural Center, Clemson University, Clemson, South Carolina 29634-0312.

Home Equity Loans: A Wise Choice If . . . Fact sheet. Louisiana State University Agricultural Center, Knapp Hall, PO Box 25100, Baton Rouge, Louisiana 70894-5100.

Home Inspection: Taking a Closer Look. Video. Texas Agricultural Extension Service, Texas A&M University, 201 Special Services Building, College Station, Texas 77843.

Home Inspection Guide. Booklet No. B3412 by John Merrill. University of Wisconsin Extension Service, Agricultural Bulletins, Room 245, 30 North Murray Street, Madison, Wisconsin 53715.

Home Mortgages: Understanding the Process and Your Right to Fair Lending. Booklet. Consumer Information Center, US General Services Administration, PO Box 100, Pueblo, Colorado 81002.

Home Site Selection. Pamphlet. Community Resource Development, Ohio State University Cooperative Extension Service, Extension Publications, Room 385, Kottman Hall, 2021 Coffey Road, Columbus, Ohio 43210-1044.

House Planning Handbook. Booklet. Midwest Plan Service Iowa State University Cooperative Extension Service, Extension Agricultural Engineer, 170 LeBaron Hall, Ames, Iowa 50011.

Housing Costs -- Buying and Closing. Fact Sheet. Mississippi State University Cooperative Extension Service, PO Box 5446, Mississippi State, Mississippi 39762.

How Mortgage Insurance Works. Brochure. Mortgage Guaranty Insurance Corporation, Marketing Department PO Box 488, MGIC Plaza, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202.

Individual Housing Accounts: An Opportunity for First-Time Home Buyers. Fact Sheet (Hawaii-specific). Hawaii Cooperative Extension Service, CTAHR at Manoa, 3050 Maile Way, Gilmore Hall, 203A, Honolulu, Hawaii 96822.

Inspecting A House Before You Buy. Fact Sheet. Rutgers Cooperative Extension, Cook College, Home EC Extension House, PO Box 231, New Brunswick, New Jersey 08903.

Insuring Your Home. Fact Sheet by Joseph Wysocki. Building Research Council, College of Fine and Applied Arts, University of Illinois at Urbana-Champaign, One East Saint Mary's Road, Champaign, Illinois 61820.

Life-Cycle Housing: Evaluate Before Buying, Building. Fact Sheet. North Carolina Cooperative Extension Service, PO Box 7605, 210 Ricks Hall, Raleigh, North Carolina 27695-7605.

Living Resourcefully With Reduced Income. Booklet. Minnesota Extension Service, University of Minnesota, McNeal Hall, 1985 Buford Avenue, St. Paul, MN St. Paul Minnesota 55108.

Money Management Calendar. Workbook, Teacher Handbook, Activity Book. Purdue University Cooperative Extension Service, 218A Mathews Hall, West Lafayette, Indiana 47907.

Money Mechanics: Buying A House. Fact Sheet. Iowa State University Cooperative Extension Service, 170 LeBaron Hall, Ames Iowa 50011.

Money Matters. Booklet. Federal Trade Commission, Thomas P. O'Neill Federal Building, 10 Causeway Street, Room 1184, Boston, Massachusetts 02222-1073.

Mortgage Loan Application Checklist. Brochure. Mortgage Guaranty Insurance Corporation, Marketing Department PO Box 488, MGIC Plaza, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202.

Mortgage Money Guide. Booklet. Federal Trade Commission, Division of Credit Practices and the Office of Consumer and Business Education, Correspondence Branch, Washington, DC 20580.

Mortgage Options For Home Buyers. Fact Sheet. Rutgers Cooperative Extension, Cook College, Home EC Extension House, PO Box 231, New Brunswick, New Jersey 08903; 908-932-9349.

Negotiating For Your Home. Fact Sheet. Rutgers Cooperative Extension, Cook College, Home EC Extension House, PO Box 231, New Brunswick, New Jersey 08903.

Preserving Home Ownership -- MGIC's Loan Workout Program. Book and Brochure. Mortgage Guaranty Insurance Corporation, Marketing Department PO Box 488, MGIC Plaza, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202.

Private Mortgage Insurance: Questions and Answers. Brochure. Private Mortgage Insurance Company, 601 Montgomery Street, San Francisco, California 94111.

Protecting Your Housing Investment. Booklet. US Department of Housing and Urban Development, 7th and D Street SW, Washington, DC 20410-3000; HUD User Line: 800-245-2691.

Real Estate Brokers. Booklet. Federal Trade Commission, Thomas P. O'Neill Federal Building, 10 Causeway Street, Room 1184, Boston, Massachusetts 02222-1073.

Refinancing Your Home. Booklet. Federal Trade Commission, Thomas P. O'Neill Federal Building, 10 Causeway Street, Room 1184, Boston, Massachusetts 02222-1073.

Refinancing Your Home: Questions and Answers. Fact sheet. Louisiana State University Agricultural Center, Knapp Hall, PO Box 25100, Baton Rouge, Louisiana 70894-5100.Scoring For Credit. Booklet. Federal Trade Commission, Thomas P. O'Neill Federal Building, 10 Causeway Street, Room 1184, Boston, Massachusetts 02222-1073.

Settlement Costs and You. Brochure. US Department of Housing and Urban Development, 7th and D Street SW, Washington, DC 20410- 3000; HUD User Line: 800-245-2691

The Energy Wise Home Buyer. Book (HUD PDR-412(2)). US Department of Housing and Urban Development, Thomas P. O'Neill Federal Building, 10 Causeway Street, Boston, Massachusetts 02222.

Title Insurance: What Is It And Why Get It. Fact Sheet. Community Development Legal Assistance Center, 99 Hudson Street, New York, New York 10013.

Wise Home Buying. Booklet. Consumer Information Center, US General Services Administration, PO Box 100, Pueblo, Colorado 81002.

What Happens After You Apply For A Mortgage. Brochure. Mortgage Bankers Association of America, 1125 15th Street NW, 7th Floor, Washington, DC 20005.

What You Can Do To Prevent Foreclosure Of Your Home. Fact sheet. Louisiana State University Agricultural Center, Knapp Hall, PO Box 25100, Baton Rouge, Louisiana 70894-5100; 504-388-1425.

What You Should Know About ARMs. Brochure. Mortgage Bankers Association of America, 1125 15th Street NW, 7th Floor, Washington, DC 20005; 202-861-6583.

Your Fixed-Rate Pricing Alternatives. Book. Fannie Mae, Customer Education Group, 3900 Wisconsin Avenue NW, Washington, DC 20016-2899.

Your Home Purchase Contract. Fact Sheet. Rutgers Cooperative Extension, Cook College, Home EC Extension House, PO Box 231, New Brunswick, New Jersey 08903.

Your Housing Choice - Renting or Buying. Booklet. University of California Cooperative Extension, 139 Highlander Hall, Riverside, CA 92521.

Your New Home And How To Take Care Of It. National Association of Home Builders' Bookstore, 15th and M St. NW, Washington, D.C. 20005.