RESOURCES:

CFPB Home Loan Booklet (https://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf): A step by step guide to getting a mortgage

CFPB Charm Booklet (https://files.consumerfinance.gov/f/201401_cfpb_booklet_charm.pdf): Consumer handbook on adjustable-rate mortgages

Consumer Financial Protection Bureau (https://www.consumerfinance.gov/): The Consumer Financial Protection Bureau is a U.S. Government agency that makes sure banks, lenders, and other financial companies treat you fairly

U.S. Department of Housing and Urban Development-Buying a Home (https://www.hud.gov/topics/buying_a_home):

This website provides extension information about buying a home including affordability, borrower’s rights, tips and tricks for shopping for a loan, and details about different home buying programs including FHA loan programs and other special programs.

Federal Reserve Board Consumer Information (https://www.federalreserve.gov/publications/consumer-information.htm): this web page has consumer information, including a section on home mortgages that covers topics such as finding the best mortgage and understanding ARMs.

Ruidoso Board of Realtors (https://www.usamls.net/ruidoso/): use a local realtor to purchase your next home

Ruidoso Chamber of Commerce (https://ruidosonow.com/): The Ruidoso Valley Chamber of Commerce welcomes you to experience the ultimate Playground of the Southwest. Find out what’ happening in Lincoln County.

United States Postal Service Office Movers Guide (https://moversguide.usps.com/mgo/disclaimer): What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.

Fannie Mae-Home Buying Process (https://www.homepath.com/homebuyers.html):

Fannie Mae is a government sponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability, and affordability to the U. S. housing and mortgage markets. Home Buying Process guide on their website offers valuation information about buying a home. This website also provides important information for homeowners.

Homebuyer Education by Freddie Mac (https://sf.freddiemac.com/general/marketing-kits ):

Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multi-family investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.

Mortgage Bankers Association of American Consumer Information (https://www.mba.org/who-we-are/consumer-tools):

The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.

Texas Consumer Complaint, Recovery Fund Notice:

https://www.sml.texas.gov/ResidentialMortgageLoanOriginator/documents/rmlo_compliance_reporting/rmlo_80_200_b_recovery_fund_notice.pdf