Important Links

Inland Southern California Redevelopment Association

http://www.saveredevelopment.org/

Check Your Loan Originator's Legal Status (If they are talking to you about rates or fees, they MUST be listed)

http://www.nmlsconsumeraccess.org/

Making Home Affordable Powerpoint Presentation

English Version ¦ Spanish Version

County Of Riverside

http://www.countyofriverside.us/portal/page/portal/cornew

Financial Stability

http://financialstability.gov/

Hope Loan Portal

http://hopeloanportal.org/index.php

Riverside Economic Development Agency

http://www.rchomelink.com/

Riverside EDA Homepage

http://rivcoeda.org/

Riverside County Cares. Social Services.

http://www.countyofriverside.us/portal/page/portal/cornew

Here is a list of every city in Riverside County and a link to the city’s web site

Go to the city’s site and click on “redevelopment”, or “housing”,  to discover what type of housing assistance may be available.

http://www.countyofriverside.us/portal/page/portal/cornew/LivingHere

Riverside’s Property Tax Portal

http://www.riversidetaxinfo.com/

Making Home's Affordable

http://www.financialstability.gov/roadtostability/homeowner.html

Federal Housing Tax Credit

http://www.federalhousingtaxcredit.com/2009/faq.php

Find out who your loan is with: Fannie Mae Loan Checker

http://loanlookup.fanniemae.com/loanlookup

Find out who your loan is with: Freddy Mac Loan Checker

http://www.freddiemac.com/corporate/buyown/english/avoiding_foreclosure

Center for Government Excellence

http://thecenter.rc-hr.com/

1099C Info

http://www.irs.gov/irs/article/0,,id=179073,00.html

HUD's Median Income Limits For 2008
*2009 Will Be Posted When Available

https://www.efanniemae.com/sf/refmaterials/hudmedinc/

USDA Rural Loan Program Single Family Income Eligibility for Riverside County

http://eligibility.sc.egov.usda.gov

USDA Eligibility Address Search

http://eligibility.sc.egov.usda.gov

Title Insurance Info:

title.com

Keep Your Home California

www.KeepYourHomeCalifornia.org

 

HUD/Fannie Mae Links

Mortgage Letter 2005-19

203KStreamline.doc

Fannie Mae Property GeoCoder

https://commlend.efanniemae.com

Most Up To Date Fannie Mae Guidlines Here

https://www.efanniemae.com

English to Spanish Mortgage Translation Glossary

https://www.efanniemae.com

For API Scores in California

http://api.cde.ca.gov/reports/page2.asp

HUD’s Guide to avoiding foreclosure

http://www.hud.gov/foreclosure/index.cfm

HUD’s frequently asked questions on modifications

http://www.hud.gov/offices/hsg/sfh/nsc/faqlm.cfm

Want to ask HUD/FHA a question directly?

http://www.fhaoutreach.gov/FHAFAQ/ContactFHA.jsp

Need Hud’s help in Spanish?

http://www.hud.gov/directory/800/parainformacion.cfm

Fannie Mae and Freddie Mac have changed the way appraisals are ordered effective; 5/1/09.  Do not write a check to an appraiser after this date.  Read and learn the changes or ask us to interpret it for you.

https://www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/appcode/pdf

The Housing and Economic Recovery Act of 2008 FAQ

http://www.hud.gov/news/recoveryactfaq.cfm

Q&A for military personnel.  You may be entitled to a rate reduction, read here;

http://www.hud.gov/offices/hsg/sfh/nsc/qasscra1.cfm

“In House” lending often comes at a cost to you!  Know what to ask and know the law. You deserve a lender who is professional and was recommended for no other reason than they are good at their job.  You deserve this, ask for it.

http://portal.hud.gov/portal/page/portal/HUD/topics/buying_a_home

Borrowers Rights

http://www.hud.gov/offices/hsg/sfh/res/resborwr.cfm

 

Department of Corporations Links

Learn what questions you should ask you DOC approved escrow. 

http://www.corp.ca.gov/FSD/escrow/default.asp#heading

Have you been wronged?  Want to know if the people you are doing business with have a law suit pending?  Need to file a complaint?  Here are some FAQ from Ca, Dept. of Corp.

http://www.corp.ca.gov/ENF/FAQ.asp

 

Department of Real Estate Links

DRE Complaint Link

http://www.dre.ca.gov/cons_complaint.html

Are they licensed?  Have they gone the extra mile to become a true professional, with finger prints and a background check?  Don’t be taken advantage of, check out who is asking to do business with you.

http://www2.dre.ca.gov/PublicASP/pplinfo.asp

If you are dealing with a DRE Licensed individual, here is the law that governs them.

http://www.dre.ca.gov/pdf_docs/Relaw.pdf

Guidelines for advanced fees for note modifications

http://www.dre.ca.gov/mlb_adv_fees.html

Here is a list of the companies that are licensed by the DRE to perform modifications and accept advanced fees

http://www.dre.ca.gov/mlb_adv_fees_list.html

Please, do not sign, or agree to do business with someone for loan until you have read this!

http://www.dre.ca.gov/mlb_predatory.html

This is a large 38 page pamphlet that is a must read.  Before you invest in the largest transaction of your life, take thirty minutes to learn what an unbiased opinion is on;

WHAT YOU SHOULD KNOW BEFORE CHOOSING A LENDER.

http://www.dre.ca.gov/pdf_docs/re35a.pdf

 

First Time Tax Credit

Basic First Time Homebuyer Information

Homes Purchased in 2009 Information

Homebuyer Senario Information

Miscellaneous Links

Saturday Night Lives lesson on how to avoid debt

http://www.hulu.com/watch/1389/saturday-night-live-dont-buy-stuff

Definition and historical graph for the index known as 12-Month Treasury Average(MTA)

http://mortgage-x.com/general/indexes/mta.asp

Definition and historical graph for the index known as LIBOR

http://mortgage-x.com/general/indexes/libor.asp

Spending Plan-Online Calculator

http://www.crown.org/Tools/Calculators/Budgeting_SpendingPlan.asp

Budget Analysis (Blank Form)

http://www.crown.org/pamphlets/pdfs/BudgetAnalysisForm.pdf

Monthly Income and Expense Guide (Blank Form)

http://www.crown.org/pamphlets/pdfs/MonthlyIncomeandExpenses.pdf

State Taxes listed by individual state

http://www.bankrate.com/brm/itax/state/state_tax_home.asp?caret=1e

10 must know tax terms for 2008 returns

http://www.bankrate.com/brm/itax/news/taxguide/tax-terms1.asp?caret=1b