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Apartments, Houses and Mortgages - Consumer 

 

ApartmentGuide.com

http://www.apartmentguide.com

"To use our apartment finder, first search by city, zip code, neighborhood, college name or military base. You can then filter your search by number of bedrooms, bathrooms, price range and distance,  you can search for apartments that are pet-friendly. Narrow your search to find apartments that come fully furnished, are located in a gated community or include a fitness center." 

 

Apartments.com

https://www.apartments.com

A website for apartment finding. 

 

NJ Building Codes

https://codes.iccsafe.org/codes/new-jersey

International Building Codes and Standards are here. Browse contents by standards, topics, locations, and more. The Building Code Manual, NJ edition is available here.

 

Buying a Home

http://www.hud.gov/buying 

From the U.S. Department of Housing and Urban Development. Information about home buying: finding out how much you can afford, knowing your rights, shopping for a loan, getting a home inspection, and more. 

 

Communities Directory Online

https://www.ic.org/directory/

A directory of residential communities including ecovillages, communes, coops, and Christian communities.

 

Federal Housing Administration

http://portal.hud.gov/portal/page/portal/HUD/federal_housing_administration

Mortgage calculators, mortgage limits and topics that offer wealth of information for new homebuyers.

 

Federal Reserve - 5 Mortgage Tips 

https://www.federalreserve.gov/pubs/mortgagetips/mortgagetips.pdf

Information from the Federal Reserve Board about shopping around for a mortgage.

 

GovLoans.gov

http://www.govloans.gov

Use the listing to search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program.

 

Home Equity Conversion Mortgages for Seniors 

http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/hecm/hecmhome 

Information about the Federal Housing Administration's Reverse Mortgage Program.

 

Housing

https://www.usa.gov/housing

Resources for homeowners, renters, and new home buyers about mortgages, financing, foreclosure, etc.

 

 

 

HSH Associates

http://www.hsh.com 

From the consumer loan publisher, a geographically arranged guide to finding rates and providers; with additional tutorials about such subjects as adjustable rate mortgages.

 

JustRentToOwn

https://www.renttoown.org

Search for lease-option housing properties. "Typical RTO agreements involve standard rent payments with an extra amount paid monthly (called a rent credit) that is saved in a separate escrow account to be used towards the down payment for the purchase of the home at the end of the lease."

 

Low-rent Apartment Search

http://www.hud.gov/apps/section8/index.cfm

From the U.S. Department of Housing and Urban Development. Note that in order to apply you can earn no more than the designated income limit.

 

Making Home Affordable

makinghomeaffordable.gov

"Please use the self-assessment tools provided on this website to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable."

 

Mortgage Market Information Services

http://interest.com 

Advice for first-time buyers, comparison shopping for rates and services, information about community demographics, home sales reports, and features like "mortgages for the credit-impaired."

 

Mortgage 101

http://www.mortgage101.com

State-by-state lender listings, interest rate trends, a mortgage calculator, and a mortgage reference desk with explanations, real estate terminology, programs, and miscellaneous articles of value to home buyers.

 

NJ Housing Resource Center

https://www.state.nj.us/humanservices/dds/hottopics/housing

"A FREE, online searchable registry of affordable and accessible housing units throughout the State of New Jersey, including: Affordable Rental Housing, Affordable For-sale Housing, and Housing with Accessibility Features."

 

New Jersey Housing and Mortgage Finance Agency

http://www.njhousing.gov 

An online tool which lets users locate affordable housing (rentals, for sale, or homes with accessibility features). 

 

PadMapper

https://www.padmapper.com

Set your apartment wishes (price, size, etc.) and find apartments indicated on a map.  One nice feature is the image of a street view from the building.

 

Public Housing

https://www.hud.gov/topics/rental_assistance/phprog

Information about eligibility and the application process.

 

Realtor.com

http://www.realtor.com

Rentals, mortage information, realtors, advice.  Often includes information about the local school district, type of flooring, heating system, sales history, and tax history. 

 

RealtyTrac

https://www.realtytrac.com/mapsearch/foreclosures/

Search foreclosures and locate home values and trends. Also provides articles and financial calculators.

 

Rent.com

http://www.rent.com

Search by city, price, and number of bedrooms.  You can use this source to learn about policies on pets, deposits, etc.

 

Reverse Mortgages

http://www.aarp.org/money/revmort/

Aa reverse mortgage calculator, basic information about reverse mortgages, alternatives to reverse mortgages, the booklet "Home Made Money: A Consumers Guide to Reverse Mortgages," and more. From AARP.

 

Reverse Mortgages: Get the Facts

http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea13.shtm

A fact sheet about reverse mortgages. Explains eligibility, the three main types (single-purpose, federally-insured, and proprietary), what to watch out for during the loan process, and alternatives to reverse mortgages.

 

Smart Asset-How Much House Can I Afford?

https://smartasset.com/mortgage/how-much-house-can-i-afford

This tool calculates how much you can spend to buy a house based on your income, savings and monthly debt obligations.

 

Smart Asset-Rent vs. Buy

https://smartasset.com/mortgage/rent-vs-buy

Compare costs for renting and buying a home. 

 

State of New Jersey Housing and Mortgage Finance Agency--Foreclosure

https://nj.gov/dca/hmfa/consumers/foreclosure/

Information for those whose homes are in foreclosure or who are at risk for foreclosure.

 

Trulia

http://www.trulia.com

"Find a home. Get the inside scoop."  Provided is information about neighborhood schools, crime, household income, etc. 

 

Trulia- Newark, NJ

http://www.trulia.com/for_sale/Newark,NJ

Newark real estate and homes for rent or sale.  Search by most recent listings, price, number of bed or bathrooms, etc.

 

Zillow.com

http://www.zillow.com 

Free valuations and data for 67,000,000+ homes to help buyers and sellers assess the market. No personal information required. Buyers can even input an address, city, or zip code, find a list of homes, many with pictures, and then arrange the list according to features like cost, number of bedrooms, year of construction, etc.  Do you prefer foreclosed property?--you can find it here too.

 

 

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