Useful Resources

Here are some sites and products that I have found helpful and educational.

Home Buyer Defense Guide.
It is more than just an ebook, it is more like an Home Buyers road map, a complete resource of information explaining the process from qualifying for a mortgage, assessing your future home to closing the deal.
The information and instructions contained within will save you not only cash but a lot of headache. You can find it by clicking here!

The TEN Dirty Little Secrets of Mortgage Financing.
By Jim Edwards
If you want to avoid the schemes and tricks mortgage brokers use to “gouge” you for extra fees and “points”, avoid the common mortgage shopping blunders people make that cripple them financially over the next 15… 20… even 30 years, or if you just want to manage your mortgage, and build financial security rather than sell yourself into financial “slavery” for the next 30 years,- then this might be the most important book you ever read.
As a 10+ year veteran of the mortgage and real estate business I have seen things that would make most people roll their eyes back in their head in total disgust.
Go get it!

California Housing Finance Agency
For 35 years, the California Housing Finance Agency (CalHFA) has supported the needs of renters and first-time home buyers by providing financing and programs that create safe, decent and affordable housing opportunities for low and moderate income Californians. Established in 1975, CalHFA was chartered as the State’s affordable housing bank to make low interest rate loans through the sale of tax-exempt bonds. A completely self-supporting State agency, bonds are repaid by revenues generated through mortgage loans, not taxpayer dollars.
California Housing Finance Agency

Homes and Communities U.S. Department of Housing
Many cities in California offer homebuying programs and homeownership education classes and training. For more information, go to:
HUD

First Time Home Buyer Down Payment Solution
As first time home buyers, we recognize the sacrifices you make in an effort to save enough money to not only make a down payment on a home, but meet the total amount necessary to actually close on your desired home loan. For some, it just seems impossible!
Down Payment Solutions

Don’t Borrow Trouble
By Freddie Mac
Don’t Borrow Trouble is a national anti-predatory lending and foreclosure avoidance campaign that combines education and empowerment – teaching consumers to protect their homes and finances.
Don’t Borrow Trouble