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Consumer Handbook on Adjustable Rate Mortgages - Basic features, advantages, risks, and terminology associated with adjustable rate mortgages. Explains how ARMs work, how to reduce your risk, and more. Includes a table for comparing mortgages. (11 pages)

A Consumer's Guide to Mortgage Refinancing - Here's help to decide if refinancing is worth it, what the costs are, and how to tell if the time is right. Also highlights some of the fees you can expect. (4 pages)

Energy Efficient Mortgage Home Owner Guide - If you're buying, selling, refinancing, or remodeling your home, you could increase your comfort and save money with a mortgage that encourages saving energy. Learn who qualifies, the process, and more. (6 pages)

Guide to Single Family Home Mortgage Insurance - FHA (Government) insurance protects lenders against losses on mortgages so they can offer you more generous terms. Learn what the costs, conditions, and options are. (10 pages)

Home Buyer's Vocabulary - Defines common words and terms used in the real estate world. Especially useful for the first time buyer. (12 pages)

The Home Inspection & You - Defines what a professional home inspection is and answers questions about how and why you should get one before buying or selling your home. (4 pages)

How to Buy a Home With a Low Down Payment - Describes private and federal options for obtaining a low down payment mortgage, how to qualify, how to determine what you can afford, and much more. (8 pages)

How to Buy a Manufactured (Mobile) Home - Tips on selection and placement, warranties, site preparation, transportation, installation, and more. (15 pages)

The HUD Homebuying Guide - Here are step-by-step instructions for finding and financing a HUD home. Includes charts to help you estimate mortgage payments. (9 pages)