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Financing & Sales
Am I Covered?. Answers 15 common questions regarding homeowners insurance and explains what is covered in a standard policy. 9 pp. (2004. USDA) 336R. $1.00. A pdf version is available

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. 36 pp. (2007. FRB) 349R. $1.00. A pdf version is available

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. 9 pp. (2002. USDA) 597R. Free. A pdf version is available   A Spanish version is available

How to Buy a Manufactured (Mobile) Home. Tips on selection and placement, warranties, site preparation, transportation, installation, and more. 14 pp. (1997. FTC) 304R. $1.00. A pdf version is available

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. 15 pp. (2006. FRB) 333R. $1.00. A pdf version is available

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. 7 pp. (1999. FRB) 334R. $1.00.

Putting Your Home on the Loan Line is Risky Business. Before getting a home equity loan, explore your options, comparison shop, be aware of questionable lender practices, and know your rights. Use the worksheet to compare loan offers from various lenders. 4 pp. (2003. FRB) 323M. $1.00. A pdf version is available

The New Climate for Mortgage Borrowers. A timely primer on how to choose the best mortgage during this period of declining home values and stricter credit standards. Explains what caused this situation, and what potential and current homeowners, particularly those facing foreclosure, can do to improve their credit scores, obtain a good loan and hold onto their homes. 7 pp. (2007. FDIC) 628R. Free. A pdf version is available

Twelve Ways to Lower Your Homeowners Insurance Costs. Practical tips and phone numbers of state insurance departments for more information. 4 pp. (2004. FCIC) 335R. $1.00. A pdf version is available

Your Move Packet. Three helpful booklets to help you choose a reputable mover, select the right level of liability insurance to protect your possessions, and deal with any problems on an interstate move. Includes a "before you move" checklist. 20 pp. (. DOT) 598R. Free.

Home Maintenance
Energy Savers: Tips on Saving Energy & Money at Home. Reduce your home energy use with tips on insulation, weatherization, heating, and more. 36 pp. (2006. DOE) 332R. $1.00. A pdf version is available

Green Scaping: The Easy Way to a Greener, Healthier Yard. Learn ways to care for your lawn and garden that will save you time and money and protect the environment. Composting and mulching, site-appropriate plant selection, smart watering, holistic pest management and natural lawn care. 15 pp. (2006. EPA) 326R. $1.00. A pdf version is available

How to Prune Trees. Illustrated guide shows what to do, what not to do, tools to use, and when to trim to produce healthy, strong trees. 29 pp. (1996. USDA) 108R. $3.75.

Indoor Air Hazards Every Homeowner Should Know About. Get rid of molds, carbon monoxide, radon, asbestos, lead, tobacco smoke, and other pollutants. 19 pp. (2005. USDA/EPA) 632R. Free. A pdf version is available

National Flood Insurance Guide. Property owners can purchase insurance against flooding losses. Learn the requirements, questions to ask, and more. 20 pp. (2005. FEMA) 596R. Free.

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