The U. S. Department of Housing and Development is the single most important regulatory agency that
governs the real estate and mortgage industries.  It's website has a sea of valuable information for potential
home buyers as well as current home owners thinking of refinancing their mortgages.  HUD also published a
booklet on home buying.
Buying Your Home: Settlement Costs and Helpful Information discusses the home buying process, the
responsibilities of the real estate broker and mortgage broker, your rights, and settlement costs.

Fannie Mae website offers useful tips on getting the best out of your mortgage.
Fannie has also published several guides to help potential home buyers learn about what it takes to buy a
home.  These guides are also published in other languages such as Spanish, Russian, Portuguese, Korean,
and Chinese.  For a copy, please
contact us.  Please specify the language if other than English.

Taking the Mystery Out of Your Mortgage Loan explains how Desktop Underwriter, Fannie Mae's
automated underwriting system used by lenders and mortgage brokers, evaluates the risk factors in a
mortgage application.

Visit the
Freddie Mac website for the average mortgage interest rates and many more useful information
about home buying.

It also publishes the
weekly interest rate survey which gives the historical trend of mortgage interest rates.

Download the
Uniform Residential Loan Application.  It is widely accepted in the mortgage industry.  If you
need help completing the application, please do not hesitate to email or call us.
MY Mortgage
On this page, you will find links to informative websites about home buying and home financing.  Whenever you
see this symbol       , clicking on the link to the right will open the requested document in Adobe PDF format.  If
you don't already have Adobe Reader installed in your computer, please download a free copy