Useful Links
Useful Resources
Mortgage Bankers Association of America Consumer Information
The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.
U. S. Department of Housing and Urban Development – Buying a Home
U. S. Department of Housing and Urban Development website provides extensive information about buying a home including affordability, borrower’s rights, tips and tricks for shopping for a loan, and details about different home buying programs including FHA loan programs and other special programs.

Federal Reserve Board Consumer Information
The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.
Homebuyer Education by Freddie Mac
Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.
Fannie Mae – Home Buying Process
Fannie Mae is a government-sponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability and affordability to the U.S. housing and mortgage markets. Home Buying Process guide on their website offers valuable information about buying a home. This website also provides important information for home owners.
United States Postal Service Official Movers Guide
What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.
Resources Forms
The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us.
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Loan Applications:
Other Forms:
Disclosures:
- Disclosure Notices
- Equal Credit Opportunity Act Disclosure
- Flood Insurance Disclosure
- Right to Receive Appraisal
FHA:
- FHA Borrower’s Blanket Signature Authorization
- FHA Energy Efficient Mortgage Fact Sheet
- FHA For Your Protection: Get a Home Inspection (HUD-92564-CN)
- FHA Important Notice to Homebuyers
- FHA Social Security Number Certification
Government Insured Loans
FHA
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to qualify for low mortgage rates with a minimal down payment Read More..
VA
Veteran Affairs or VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.
The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. A VA loan may also have reduced closing costs and no prepayment penalties. Read More..
Unyque Sapphire Grant
The Sapphire down payment assistance program is a California homebuyer grant for moderate income individuals and families who can qualify for a mortgage but need assistance with down payment and or closing costs. Read More..
CalHFA
The California Housing Finance Agency (CalHFA) CalPLUS Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for down payment assistance and/or closing costs.Read More..
Reverse Mortgages
Reverse mortgages allow senior homeowners, age 62 or older, to convert a portion of their home equity into cash while still living in the home. Equity is the current cash value of a home minus the current loan balance.
With a reverse mortgage instead of the homeowner paying the lender each month, the lender pays the homeowner. As long as the homeowner continues to live in the home, no repayment of principal, interest, or servicing fees are required. The goal of this loan is to provide the senior funds for housing expenses, living expenses and or maintenance costs. Read More..