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<h2>Missing CD-ROM</h2>

<h3>Part 1: Preparing for Home Ownership</h3>

<h3>Chapter 1. The Benefits and Drawbacks of Home Ownership</h3>

<p>Mortgage calculator to estimate PITI payments:</p>

<ul>

<li><a href="http://www.realestateabc.com/calculators/PITI.htm">RealEstate ABC</a></li>

</ul>

<p>Info on the national Flood Insurance Program:</p>

<ul>

<li><a href="http://www.floodsmart.gov/floodsmart/pages/about/nfip_overview.jsp">FloodSmart.gov</a></li>

</ul>

<h3>Chapter 2. How Much Home Can You Afford?</h3>

<p>Free online money-management tools:</p>

<ul>

<li><a href="http://www.mint.com">Mint</a></li>

<li><a href="http://quicken.intuit.com">Quicken</a></li>

</ul>

<p>Download free household budget templates:</p>

<ul>

<li><a href="http://tinyurl.com/yeshrvk">Bankrate.com</a></li>

<li><a href="http://tinyurl.com/yb3aabs">Spreadsheet123</a></li>

</ul>

<p>Track your spending with a free budget planner spreadsheet:</p>

<ul>

<li><a href="http://tinyurl.com/y9cl92k">Spreadsheets123</a></li>

</ul>

<p>Get an idea of how much you can afford to borrow:</p>

<ul>

<li><a href="http://tinyurl.com/ydgkmbf">Homefair</a></li>

<li><a href="http://tinyurl.com/yjgnoxf">Bankrate.com</a></li>

</ul>

<p>Order your free credit report online:</p>

<ul>

<li><a href="http://www.annualcreditreport.com">AnnualCreditReport.com</a></li>

<li><a href="http://tinyurl.com/yjgnoxf">Bankrate.com</a></li>

</ul>

<p>Order your free credit report by phone:</p>

<ul>

<li>1-877-322-8228</li>

</ul>

<p>To request your free annual credit report in writing, use the form here:</p>

<ul>

<li><a href="https://www.annualcreditreport.com/cra/requestformfinal.pdf">https://www.annualcreditreport.com/cra/requestformfinal.pdf</a></li>

<li>Print, complete, and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.</li>

</ul>

<p>Videos on how to improve your FICO score:</p>

<ul>

<li><a href="http://www.videocreditscore.com">VideoCreditScore</a></li>

</ul>

<h3>Part 2: Finding Your Home</h3>

<h3>Chapter 3: Choose Your Style of Home and Neighborhood</h3>

<p>Read about manufactured home federal government's manufactured home standards:</p>

<ul>

<li><a href="http://tinyurl.com/yj7pxna">Manufactured Home Construction and Safety Standards Code</a></li>

</ul>

<p>Check out neighborhood school districts:</p>

<ul>

<li><a href="http://www.education.com/schoolfinder">Find a School</a></li>

</ul>

<p>Review neighborhood demographics:</p>

<ul>

<li><a href="http://www.bestplaces.net">Sperling's Best Places</a></li>

</ul>

<p>Download your home Wish List form:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/wishlist.pdf">Home Wish List Form</a></li>

</ul>

<p>Download a form to list things you don't want in a home:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/dont-want.pdf">Things I Don't Want Form</a></li>

</ul>

<p>Set your home priorities:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/needs-and-wants.pdf">Home Priorities Form</a></li>

</ul>

<h3>Chapter 4: Assemble Your Real Estate Team</h3>

<p>Reviews of local real estate agents:</p>

<ul>

<li><a href="http://www.homethinking.com/">Homethinking</a></li>

<li><a href="http://www.incredibleagents.com">Incredible Agents</a></li>

</ul>

<p>State disciplinary agencies for real estate agents:</p>

<ul>

<li><a href="http://www.abanet.org/cpr/regulation/directory.pdf">www.abanet.org/cpr/regulation/directory.pdf</a></li>

</ul>

<h3>Chapter 5: Shop for Your Home</h3>

<p>Online real estate agencies:</p>

<ul>

<li><a href="http://www.realtor.com/">Realtor.com</a></li>

<li><a href="http://www.trulia.com">Trulia</a></li>

<li><a href="http://realestate.yahoo.com">Yahoo Real Estate</a></li>

<li><a href="http://www.zillow.com">Zillow</a></li>

</ul>

<p>National real estate agencies:</p>

<ul>

<li><a href="http://www.century21.com/">Century 21</a></li>

<li><a href="http://coldwellbanker.com">Coldwell Banker</a></li>

<li><a href="http://www.gmacrealestate.com">GMAC</a></li>

<li><a href="http://www.prudential.com/realestate">Prudential Real Estate</a></li>

<li><a href="http://www.remax.com">RE/MAX</a></li>

</ul>

<p>Find listing agents and "For Sale By Owner" sellers:</p>

<ul>

<li><a href="http://craigslist.org/">Craigslist</a></li>

</ul>

<p>Determine home comparable values:</p>

<ul>

<li><a href="http://www.trulia.com/">Trulia</a></li>

<li><a href="http://www.zillow.com">Zillow</a></li>

<li><a href="http://www.city-data.com">City Data</a></li>

</ul>

<p>Find foreclosures:</p>

<ul>

<li><a href="http://www.bid4assets.com/">Bid4Assets</a></li>

<li><a href="http://www.foreclosure.com">Foreclosure.com</a></li>

<li><a href="http://www.foreclosures.com">ForeclosureS.com</a></li>

</ul>

<p>Find government-seized properties for sale:</p>

<ul>

<li><a href="http://www.treas.gov/auctions/irs/">Department of the Treasury</a></li>

<li><a href="http://www.homepath.com">Fannie Mae (Federal National Mortgage Association)</a></li>

<li><a href="http://tinyurl.com/yex8dyh">HUD (U.S. Department of Housing and Urban Development)</a></li>

<li><a href="http://www.realtytrac.com">RealtyTrac (subscription-based service)</a></li>

</ul>

<p>Bid online for foreclosed (and other) properties:</p>

<ul>

<li><a href="http://www.auction.com/">REDC</a></li>

</ul>

<p>Auctions of bank-owned (REOs) and other properties:</p>

<ul>

<li><a href="http://www.williamsauction.com/">Williams and Williams</a></li>

</ul>

<p>Find out whether a former owner has a state-granted right to buy back a foreclosed house:</p>

<ul>

<li><a href="http://www.foreclosureforum.com/basics.html/">Innovest Resource Management's Foreclosure Forum</a></li>

</ul>

<p>Review the federal lead disclosure form:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/Lead-Disclosure.pdf">Lead Disclosure Form</a></li>

</ul>

<p>Review the Indiana seller disclosure form:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/IN-Seller-Disclosure.pdf">Indiana Seller Disclosure form</a></li>

</ul>

<p>Review the Texas seller disclosure form:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/TX-Seller-Disclosure.pdf">Texas Seller Disclosure form</a></li>

</ul>

<h3>Part 3: Financing Your Home</h3>

<h3>Chapter 6. Finance Your Down Payment</h3>

<p>Learn about investment-grade bonds:</p>

<ul>

<li><a href="http://oreilly.com/catalog/0636920001386/">Personal Investing: The Missing Manual</a></li>

</ul>

<p>Find the limit on FHA loans in your area:</p>

<ul>

<li><a href="http://tinyurl.com/2x4vsm">FHA Mortgage Limits</a></li>

</ul>

<h3>Chapter 7: Compare Mortgages and Other Financing Option</h3>

<p>Try a simple-to-use amortization calculator:</p>

<ul>

<li><a href="http://tinyurl.com/mda2hp">Bankrate.com</a></li>

</ul>

<p>Figure out your ARM mortgage with this ARM calculator:</p>

<ul>

<li><a href="http://tinyurl.com/yjzloge">Interest.com</a></li>

</ul>

<p>Track the major indexes that the banking industry uses:</p>

<ul>

<li><a href="http://tinyurl.com/y87jaqa">Bankrate.com RateWatch</a></li>

</ul>

<p>Determine monthly principal and interest mortgage payments:</p>

<ul>

<li><a href="http://www.mortgagecalculator.org">www.mortgagecalculator.org</a></li>

</ul>

<p>Find out what the FHA-insured loan cap is for your area:</p>

<ul>

<li><a href="http://tinyurl.com/2x4vsm">FHA Mortgage Limits</a></li>

</ul>

<p>Find lenders that handle FHA-insured loans:</p>

<ul>

<li><a href="http://www.hud.gov/buying/localbuying.cfm">U.S. Department of Housing Local Homebuying Programs</a></li>

</ul>

<p>Locate FHA-approved lenders in your area:</p>

<ul>

<li><a href="http://tinyurl.com/7yfwfa">HUD Lender List</a></li>

</ul>

<p>See if you qualify for a VA home loan:</p>

<ul>

<li><a href="http://www.military.com/Finance/HomeBuying">Military.com Homebuying</a></li>

</ul>

<p>Find a local public housing authority home-buying assistance program:</p>

<ul>

<li><a href="http://www.hud.gov/buying/localbuying.cfm">U.S. Department of Housing Local Homebuying Programs</a></li>

</ul>

<p>Search for government programs that offer assistance with housing (go to "Quick Benefits", then click "Housing"):</p>

<ul>

<li><a href="http://www.govbenefits.gov">Benefits.gov</a></li>

</ul>

<h3>Chapter 8: Choose and Apply for a Mortgage</h3>

<p>Check a lender's track record with federal agencies:</p>

<ul>

<li><a href="http://www.ftc.gov/bcp/menus/consumer/credit/mortgage.shtm">Federal Trade Commission</a></li>

<li><a href="http://www.fdic.gov">Federal Deposit Insurance Corporation (search for federally insured lenders)</a></li>

<li><a href="http://www.ncua.gov">National Credit Union Administration</a></li>

</ul>

<p>Check for complaints about online lenders at these consumer review sites:</p>

<ul>

<li><a href="http://www.consumeraffairs.com">ConsumerAffairs.com</a></li>

<li><a href="http://www.complaints.com">Complaints.com</a></li>

</ul>

<p>Longtime online lenders:</p>

<ul>

<li><a href="http://www.ditech.com">Ditech</a></li>

<li><a href="http://www.everbank.com">EverBank</a></li>

<li><a href="http://www.lendingtree.com">LendingTree</a></li>

<li><a href="http://www.quickenloans.com">Quicken Loans</a></li>

</ul>

<p>Find local lenders:</p>

<ul>

<li><a href="http://www.bankrate.com">Bankrate.com</a></li>

</ul>

<p>Find a mortgage broker:</p>

<ul>

<li><a href="http://www.namb.org">National Association of Mortgage Brokers</a></li>

</ul>

<p>Watch mortgage rates:</p>

<ul>

<li><a href="http://www.bankrate.com">Bankrate.com</a></li>

</ul>

<p>Get a sense of the highest your ARM payments could rise:</p>

<ul>

<li><a href="http://tinyurl.com/yjzloge">Interest.com</a></li>

</ul>

<p>Read the Uniform Residential Loan application:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/Uniform-Residential-Loan-App.pdf">Uniform Residential Loan Application</a></li>

</ul>

<p>Review the terms of a Good Faith Estimate:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/GFE.pdf">Good Faith Estimate form</a></li>

</ul>

<h3>Chapter 9. Know Your Closing Costs</h3>

<p>Use the California Land Title Association's free Title Wizard to compare title insurance companies and rates:</p>

<ul>

<li><a href="http://clta.titlewizard.com">California Title Wizard</a></li>

</ul>

<p>Find average closing costs by state:</p>

<ul>

<li><a href="http://www.bankrate.com">Bankrate.com</a></li>

</ul>

<h3>Part 4: Negotiating the Deal</h3>

<h3>Chapter 10: Make an Offer</h3>

<p>Estimate the value of neighboring homes and your target home for free:</p>

<ul>

<li><a href="http://www.domania.com/">Domania</a></li>

<li><a href="http://www.realestateabc.com">RealEstateABC</a></li>

<li><a href="http://www.zillow.com">Zillow</a></li>

</ul>

<p>Buy a report that estimates the value of neighboring homes and your target home:</p>

<ul>

<li><a href="http://www.electronicappraiser.com">Electronic Appraiser</a></li>

<li><a href="http://www.homesmartreports.com">Homesmart</a></li>

<li><a href="http://www.realtytrac.com/valuetrac/">RealtyTrac</a></li>

</ul>

<h3>Chapter 11: Prepare for the Closing</h3>

<p>Learn about the federal government's National Flood Insurance Program and your flood risk:</p>

<ul>

<li><a href="http://www.floodsmart.gov/">FloodSmart</a></li>

</ul>

<p>Assess the chances that an earthquake will shake you up:</p>

<ul>

<li><a href="http://tinyurl.com/y99xbqt">FEMA Earthquake Risk Table</a></li>

</ul>

<p>Check out earthquake maps:</p>

<ul>

<li><a href="http://earthquake.usgs.gov">U.S. Geological Survey's Earthquake Maps</a></li>

</ul>

<p>Review home warranty assessments:</p>

<ul>

<li><a href="http://www.ripoffreport.com">Ripoff Report</a></li>

<li><a href="http://www.consumeraffairs.com">Consumer-Affairs.com</a></li>

</ul>

<p>Find American Moving and Storage Association certified movers:</p>

<ul>

<li><a href="http://www.promover.org">Promover.org</a></li>

</ul>

<p>Read consumer reviews of movers:</p>

<ul>

<li><a href="http://www.moverreviews.com">MoverReviews.com</a></li>

<li><a href="http://www.yelp.com">Yelp</a></li>

</ul>

<p>Contact your local Better Business Bureau for complaints about a mover:</p>

<ul>

<li><a href="http://tinyurl.com/yajquhe">Better Business Bureau</a></li>

</ul>

<p>File a change of address form:</p>

<ul>

<li><a href="http://www.usps.com">USPS.com</a></li>

</ul>

<p>Get a copy of the final walkthrough checklist:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/final-walkthrough.pdf">Final Walkthrough Checklist</a></li>

</ul>

<h3>Chapter 12: Inspect the Property</h3>

<p>Check your state's license requirements and regulations for home inspectors:</p>

<ul>

<li><a href="http://aallnet.org/sis/sccll/">American Association of Law Libraries</a> (click the Libraries link)</li>

</ul>

<p>Search for certified home inspectors:</p>

<ul>

<li><a href="http://www.nachi.org">International Association of Certified Home Inspectors</a></li>

<li><a href="http://www.nahi.org">National Association of Home Inspectors</a></li>

</ul>

<p>See an example of a home inspection report:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/Sample-Home-Inspection-Report.pdf">Sample Home Inspection Report</a></li>

</ul>

<p>Read state-by-state information about radon:</p>

<ul>

<li><a href="http://www.epa.gov/iaq/whereyoulive.html">EPA</a></li>

</ul>

<p>Find local home energy raters qualified to do a professional energy audit:</p>

<ul>

<li><a href="http://www.tinyurl.com/ocf24b">Energy Star</a></li>

</ul>

<h3>Chapter 13: Close the Deal</h3>

<p>Check out what a HUD settlement form looks like:</p>

<ul>

<li><a href="https://resources.oreilly.com/examples/0636920000563/-/blob/master/HUD-1.pdf">HUD-1 Settlement Form</a></li>

</ul>

<h3>Chapter 13: Close the Deal</h3>

<p>Check out what a HUD settlement form looks like:</p>

<ul>

<li>HUD-1 Settlement Form (HUD-1.pdf)</li>

</ul>