USEFUL INFORMATION FOR BUYERS AND SELLERS

WHY USE A REALTOR?
INTERVIEW QUESTIONS TO ASK WHEN SELECTING A REALTOR

This collection of resources from across the federal government addresses topics related to buying and selling a home, moving, homeowners insurance, housing laws, and more. Everything from flood insurance to fair housing, from home auctions to home energy efficiency, is contained here:

HOME BUYING AND SELLING

Homebuyers can request, via email, homebuying guides and checklists:

GUIDES FOR BUYING A HOME

The National Association of REALTORS provides fact sheets and step-by-step instructions for homebuyers:

HOME-BUYERS BASICS

The series of brochures on this webpage helps prospective buyers make informed decisions about mortgage and helps those who may be facing financial hardship keep their home.

HOUSING OPPORTUNITY PROGRAM: Understanding Today's Mortgages

This link will take you to other a site that offers links, contact info and fact sheets on over 200 local counseling centers across the country.

NEIGHBORWORKS

WHAT IS AFFORDABLE HOUSING?

Today in our country there are individuals who never experience the benefits and joy of home ownership. Those realities are just as real here in Toledo, Ohio. These individuals are not just the indigent and working poor, but are the people who make up our community and affect our lives daily. Our public service employees, teachers and municipal workers are now among those with critical housing needs.

This is a growing epidemic and no one has caused it, but there are many who can help. REALTORS® face this problem every day when buyers come to them for help. The Toledo Board of REALTORS® along with other housing organizations has collaborated to create the TBR Cares Program to address Toledo's housing needs.

The Affordable Housing & Cultural Diversity Committee of the Toledo Board of REALTORS® has defined Affordable Housing as any single or 2 family owner occupied home under the price of $90,000. Also included is any single or 2 family owner occupied home over the price of $90,000 that has included special down payment assistance or financing program that brings the total sale price closer to that $90,000 goal.

FINANCING INFORMATION

TBR AFFILIATE MEMBERS, LENDERS

Bank of America

Directions Credit Union

The Exchange Bank (The State Bank and Trust- Defiance, OH)

Farm Credit Services- Washington, OH

Fifth Third Bank

First Federal Bank of Midwest

Genoa Banking Co.

Glass City Federal Credit Union

Huntington Mortgage Co.

Jeep Country Credit Union

Key Bank

Midwest Mortgage Investments

PNC MORTGAGE

Northern Ohio Investment Company

Wells Fargo Home Mortgage

LOCAL NON-PROFIT AGENCIES OFFERING ASSISTANCE- TBR MEMBERS

Toledo Fair Housing Center

The Toledo Fair Housing Center's mission is to eliminate practices of housing discrimination and expand equal housing opportunities. In fulfilling that mission, the Center has set many precedents and increased housing opportunities locally and nationally. Click here to see their site.

Home Ownership Programs

First time buyers' Programs

Set aside Programs

Mortgage credit Program

Home buyers' seminars

Loan Counseling

Lucas County Metropolitan Housing Authority

The LMHA Homeownership Office offers a number of ways to assist in the purchase of a home. Whether you currently are a participant in LMHA programs or not, this office might have programs to suit your needs.