Document related to Home Ownership & Housing Assistance are grouped below:

Legal Education

  Be Careful When Using Home Equity Loans - Secured debt is debt that uses some form of collateral, such as a home, to ensure that the debt will be paid.  

  Eminent Domain: What Every Property Owner Should Know - When private property is needed to complete a public project (such as a road), a public entity (such as a city) can get title to the targeted property by exercising the power of eminent domain.  

  Home Equity Loans: The Three Day Cancellation Rule - If you are considering applying for a personal loan and using your home to guarantee repayment, you should know that a federal credit law gives you three days to reconsider a signed credit agreement and cancel the deal without penalty.  

  Home-Buyers Should Investigate Water and Septic Systems - Identifying certain potential environmental risks or concerns before purchasing a home can alleviate future stress and expense.  

  Protection from Mortgage Discrimination - The Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA) protect you against discrimination when you apply for a mortgage to purchase, refinance, or make home improvements. 

  Relocation Assistance to Tenants Displaced From Their Homes - Information from the government concerning procedure and payments to individuals displaced from their homes due to rehabilitation, demolition or acquisition for a project in which federal funds are used. 

  Using Credit Wisely After Bankruptcy - brochure published by the National Consumer Law Center, Inc. 

  What You Should Know about Land Contracts - A Land Contract is an agreement by a Seller to sell you land and a house on that land for an agreed price.  

  Home Energy Assistance Program (HEAP) Overview - With one Combined Energy Assistance Programs application, you may apply for several federally or state-funded energy assistance programs including the Home Energy Assistance Program (HEAP), the Emergency Home Energy Assistance Program (E-HEAP), and the Percentage of Income Payment Plan for (PIPP).  

  Housing Discrimination Complaints - Housing discrimination based on your race, color, national origin, religion, sex, family status, or disability is illegal by federal law.  

  Ask Questions When Using Title Insurance Agencies - Years ago, title insurance companies and their agents offered to take on the closing responsibilities as well, and that tradition continues today.  

  Buying a Home - The home buying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home.  

  Choosing The Mortgage That's Right For You - This guide from the FannieMae Foundation helps to answer questions about choosing the right mortgage.  

  County Veterans Services Offices - The Governor's Office of Veteran's Affairs lists the contact information for Ohio's county veterans services offices. The county offices can provide EMERGENCY FINANCIAL ASSISTANCE for veterans, active duty, spouses, dependents, and surving spouses/dependants who are homeless or at risk of becoming homeless. The offices can also help the veterans apply for entitlements and benefits from the VA.  

  Disability Info.gov - DisabilityInfo.gov is a comprehensive online resource designed to provide people with disabilities with quick and easy access to the information they need.  

  Foreclosure - Don't Let it Happen to You! - Two-page brochure on foreclosures from the Ohio Department of Commerce. 

  Foreclosure Prevention - “Work Out” Resolutions - Before you fall behind in your mortgage payments, all your lender or the company servicing your loan as soon as possible and explain your circumstances. This brochure from the Ohio Department of Commerce can help. 

  HUD Approved Housing Counseling Agencies - HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, credit issues, and reverse mortgages. This page allows you to select a list of agencies for each state.  

  Home Buyer's Guide - How to make the most of your home-buying experience. 

  Home Buying Guide - This brochure will assist you with buying your home. 

  Home Weatherization Program - Ohio's Home Weatherization Assistance Program is a federally funded low-income residential energy efficiency program.  

  Mortgage Payments Sending You Reeling? - brochure from the Federal Trade Commission 

  Owning a Home - These tips and other information can help make your experience as a homeowner a little easier.  

  Protect Your Investment: Don't Let Predatory Lenders Take Your Home - Senior citizens are an attractive target for unscrupulous mortgage lenders because they have a lot of equity in their homes after years of diligently paying off their mortgages, and they use that equity to finance home repairs, medical care and other needs. This article discusses there warning signs.  

  Real Estate Marketplace Glossary - explanation of different terms you will hear when you start to look for and try to buy a home, from the Federal Trade Commission 

  Servicemembers Civil Relief Act (SCRA) - The FHA has posted these common questions and answers for reservists, guardsmen and other military personnel about mortgage payment relief and protection from foreclosure provided by the Servicemembers Civil Relief Act (formerly known as The Soldiers' and Sailors' Civil Relief Act of 1940). 

  Tips for Consumers on Avoiding Foreclosure "Rescue" Scams - We suggest you read this brochure from the National Consumer Law Center if you have been contacted by a company promising to help you avoid foreclosure. 

  Toxic Black Mold - The Basics - Basic information on toxic mold or black mold. 

  What You Should Know About Refinancing - Refinancing is a process in which you pay off one or more existing debts with a new home loan.  

Find additional information in these related topics within the Ohio Law Library:

 Credit
 Utilities
 Mobile Home Parks
 Lead Paint/Poisoning
 Consumer Rights
 Courts and The Law
 Government Assistance

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