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6: Conclusion

Housing Resources

Help on computer screenHousing Counselors

The Consumer Financial Protection Bureau offers a list of housing counselors in your area who can provide advice about the home-buying process, renting and other information related to housing. (There may be a fee for services.)

Cost-of-Living Calculators

Home Searches offers information on real estate trends with an interactive map of the top 300 U.S. markets.

The U.S. Census regularly releases Housing Vacancies and Homeownership information on its website that includes press release summaries and information on rental vacancy rates.

The U.S. Department of Housing and Urban Development (HUD) has a Fair Market Rent and Income Limits Summary System that provides information about rental prices and historical trends.

General Housing Information

The U.S. Department of Housing and Urban Development (HUD) offers a guide for helping you shop for a loan, understanding your rights and defining mortgage terminology, and gives you a worksheet for comparing loans.

New Mortgage Regulations

New mortgage process regulations went into effect in October 2015. If it’s been a while since you were in the home-buying arena, see how these regulations help you at the Consumer Financial Protection Bureau website.

Special Lending Programs

Read more about the various loans at, U.S. Department of Veterans Affairs, and U.S. Department of Agriculture. You also can find more information about other federal, state and local programs at

Renter Rights

The U.S. Department of Housing and Urban Development (HUD) offers state-by-state assistance for renters.

Sample Amortization Table offers an easy way to see how mortgage payments get applied to the components just described. You can use their calculator (also available as an Android app) to plug in numbers for your own mortgage.

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