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Tax Assessment Reduction --
Download a Homeowner's Property Tax Reduction Kit from the American Homeowners Association. If you want to know what the homes are selling for in your neighborhood, please contact Teri or Dave and we'll be happy to send you a list of recent home sales.
USDA Rural Development --
Information on the guaranteed loan programs for home purchases in rural areas.
http://www.rurdev.usda.gov/rhs/common/program_info.htm#SFH
The Mortgage Professor --
Columnist for the Washington Post, Jack M. Guttenberg's website is a wealth of information on mortgages for buyers, and homeowners. Includes mortgage calculators, spreadsheets and more.
Interest Rates --
Check out these sites for the latest interest rates for home mortgages and home equity loans.
Bankrate.com -- http://www.bankrate.com/
Freddie Mac -- Freddie Mac website
Credit Reports --
You are entitled to a free credit report each year. It's a good idea to keep tabs on your creidt report so you can correct any errors, know that old accounts are closed, and ensure that you are not a victim of identity theft or other fraud. The link below will take you to all of the three major credit reporting companies' websites where you can view your credit report online and print a copy if desired. Your credit FICO score will be available for a small charge.
Visit: -- Annual Credit Report website
USDA Rural Development --
Information on the guaranteed loan programs for home purchases in rural areas.
http://www.rurdev.usda.gov/rhs/common/program_info.htm#SFH
Foreclosure --
Facing a possible foreclosure? Need information on how the process works in Maryland? Visit: Maryland Foreclosure Proceedings
Opt Out of Credit Card & Insurance Offers --
Did you know that the credit reporting agencies: Experian, Trans Union and Equifax sell your name and information when you apply for a mortgage? Here's a link to the opt-out site to stop the flood of credit card offers, refinance offers, insurance offers and such that fill up your mailbox. You can opt out electronically (online) for 5 years or permanently by mail.
http://www.optoutprescreen.com/
Information on Preventing Identity Theft --
This month's newsletter addresses this continuing threat to your financial health. With online phishing and other scams designed to capture your personal information, find out how to protect yourself, your computers, and your credit history.
Also, see Maryland's Peoples Law Library for more information on Identity Theft: