Home  Ohio  Home Matters

Home Matters

Related Topics
Government
Lawyers, Courts & Self Help
Occupational Licensing Boards
Scams & Cons
Taxes

Buying
Tips, Warnings & Legal Information
Real Estate Agents, Brokers & Recording Offices
Mortgages
Home Inspection
Defects In Your House

Back To Top

Real Estate Agents, Brokers & Recording Offices

Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.

License Look Up For Ohio Realtors or Ohio Construction

Finding A Real Estate Agent (Nolo.com)
Links nationwide

Real Estate Agents & Brokers (BBB Tips)

Real Estate Agents & Brokers-Who Regulates Them (All 50 States & DC)
Find out where to complain.

Realtor.com (Find Houses Online)
See what's for sale. Enter price range, location and # of bedrooms, etc.

Working With A Real Estate Agent (Nolo.com)
How to deal with a real estate agent when you buy a house. 

Do You Need a Real Estate Agent to Sell Your House?
You may not need a real estate agent to sell your home. These frequently asked questions will help you decide. 

Do You Have What It Takes To Buy Or Sell Your Home Without a Realtor?
Can you do without one? Answer their list of questions to find out. 

Real Estate On The Web (Nolo.com)
An overview of online real estate services available to homebuyers-from house listings to mortgage loans.

Real Estate Licensee Rules. A Compendium of Online Real Estate Manuals & laws Governing Realtors (34 States) 
Search for rules on discipline, complaints and breach of duties.
Sometimes links won't work unless you link manually.
To link manually, select state, and use your right mouse click to copy the link into your address box. Then press enter.

Real Estate Links For Most States and Big Cities

County Real Estate Records. A Nationwide Listing of Real Estate Recording Offices

Tips, Brochures & Legal Info For Buyers

Realtor.com (Find Houses Online)
See what's for sale. Enter price range, location and # of bedrooms, etc.

How to Buy A Home With A Low Down Payment

Buying A Home With Poor Credit

Buying A House, Selling A House & Neighbor Law (Nolo.com)
Great articles on the basics in all the areas above.

Buying An Unbuilt Home (BBB)

The Cooling Off Rule (When You Can Cancel A Sale or Sales Contract)

Real Estate Agents & Brokers (BBB Tips)

Home Sales-Actual Prices Of Homes By Their Address or Zip Code for the Last 18 months 
Simply choose an area, and you'll get a list of homes recently
sold there, with the sale price and date. Also get an overview
of all sales activity in the area.

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

FAQs On The Real Estate Settlement Procedures Act (RESPA)
When RESPA Does & Does Not Protect You against Unfair Housing Practices.

Real Estate Licensee Rules. A compendium of online real estate manuals and laws for most states (34 States Including GA)
Search for rules on discipline, complaints and breach of duties.
Site links don't work unless you link manually.
Select state, use your right mouse click and copy the link into the address box.

County Real Estate Records. A Nationwide Listing of County Real Estate Recording Offices

Back To Top

Buy A Home Without Much Money

How to Buy A Home With A Low Down Payment

How To Buy A Manufactured Home (FTC)

Government Home Buying Programs (Usually At Big Discounts)

HUD Homes For Sale (All 50 States & DC)

Buying HUD Homes For $1 (All 50 States)

How To Buy Foreclosed Properties

Government & Foreclosed Homes For Sale (All 50 States & DC)

Back To Top

Mortgages
Tips, Warnings & Legal Info
The Best Rates
Refinancing
Reverse Mortgages
Mortgage Insurance
Mortgage Discrimination
Complaints

Back To Top

Tips, Warnings & Legal Info

Buying a Home (Ohio)
Basics on titles, deeds, closings and what to look out for.

Can't Pay Your Rent, Mortgage or Utilities? (Consumer-SOS)
Step by step on what to do and where to go for assistance.

Property Law (An Overview With Some Reference to Ohio Law)
Types of Property, Types of Ownership, Liens, Mortgages and Condo Ownership, Easements, Licenses, Deeds, Titles, Adverse Possession and more!
For Zoning and Unit planning, see "Other Real Property Issues" on left hand index.

Homebuyer’s Protection Act (Predatory Lending Law) (Ohio)
Protects against abusive lending practices committed after December 31, 2006 by non-bank lenders, loan officers and mortgage brokers.

Consumer Sales Practices Act Addresses Predatory Lending Issues (Ohio)
Relates to Mortgages and illegal acts by mortgage brokers.

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 Addresses these consumer related issues.

• 109:4-3-19 - Determining a consumer’s ability to repay a residential mortgage loan
• 109:4-3-20 - Refinancing a low rate mortgage
• 109:4-3-21 - Instructing consumer to ignore information (Relates to Mortgage Loans and also to Refinancing)
• 109:4-3-22 - Recommending default
• 109:4-3-23 - Required disclosure at closing
• 109:4-3-24 - Improperly influencing appraiser
• 109:4-3-26 - Reasonable, tangible net benefit
• 109:4-3-27 - Seller Can't Make You A  Loan When No Reasonable Probability of Payment (Applies To Mortgages and Maybe Also To High Interest Auto
                       Purchases & Other Loans)
• 109:4-3-28 - Unconscionable terms in home mortgage loans
• 109:4-3-29 - Distribution and receipt of home mortgage loan informational document
• 109:4-3-30 - Limitation on advance payments (Relates to Mortgages or Refinancing)
• 109:4-3-25 - Debt collection agreements (Cancellation of such in connection with a residential mortgage)

Mortgage Guides & The Lowest Rates

Housing Help (Consumer-SOS)
Where to find help in 25 areas related to housing.

Looking for the Best Mortgage? (Very Comprehensive)

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

FAQs On The Real Estate Settlement Procedures Act (RESPA)
When RESPA Does & Does Not Protect You against Unfair Housing Practices.

Predatory Mortgage Lending:  A Catalog of Abuses
Good For All States

Mortgage Servicers (Your Legal Rights & Where To Complain)

High Rate Home Loans-Your Rights Under The Home Ownership & Equity Protection Act

FAQs On The Real Estate Settlement Procedures Act (RESPA)
When RESPA Does & Does Not Protect You against Unfair Housing Practices.

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

RESPA-Consumer Protection Laws For Home Buyers And Home Owners

Back To Top

Mortgage Rates

Housing Help (Consumer-SOS)
Where to find help in 25 areas related to housing.

Home Loan & Mortgage Calculator
To solve a loan, enter the desired information and press "Compute." Leave the unknown field blank, the loan calculator will solve for that unknown. You can solve for a loan amount, number of payments, payment amount, or interest rate. You can only solve for 1 unknown at a time. 

http://www.google.com/search?hl=en&lr=&ie=UTF-8&q=%22lowest+rates%22+mortgages+loans+%22credit+cards%22+savings+cds+%2250+states%22
Dubbed as the largest and most informative index of financial institutions in the industry and on the internet. Select your state for the best rates for home equity loans & mortgages and unsecured credit lines.

www.debtworkout.com/altcc.html
Links to residential lenders and mortgage brokers throughout the United States offering loans to borrowers with credit problems, bankruptcy or foreclosures on their credit report.

http://www.imoneynet.com/
Finding low mortgages, auto loans, and credit card rates.

www.hsh.com
Current and past mortgage rates and market commentary.  Loan terms and conditions explained.

Mortgage Links With Descriptions (All 50 States & DC)
Find the lenders in Ohio.

Mortgage Guides & The Lowest Rates

www.quickenmortgage.com/
Provides to be homeowners with information on their credit and obtaining a mortgage.

www.eloan.com
Licensed in at least 40 states, E-LOAN allows consumers to apply for a home loan via e-mail. On this site, consumers can search for the best rates on mortgages and home equity loans. It costs nothing to apply for a loan and your application will get a response within 24 to 48 hours.

www.getsmart.com
GetSmart.com can help you find an affordable home loan - by
connecting you with lenders happy to compete for your business.

Back To Top

Refinancing

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 Attorney General Addresses these consumer related issues.

• 109:4-3-20 - Refinancing a low rate mortgage
• 109:4-3-19 - Determining a consumer’s ability to repay a residential mortgage loan
• 109:4-3-21 - Instructing consumer to ignore information (Relates to Mortgage Loans and also to
                           Refinancing)
• 109:4-3-23 - Required disclosure at closing
• 109:4-3-27 - Seller Can't Make You A  Loan When No Reasonable Probability of Payment (Applies To
                           Mortgages and Maybe Also To High Interest Auto Purchases & Other Loans)
• 109:4-3-28 - Unconscionable terms in home mortgage loans
• 109:4-3-29 - Distribution and receipt of home mortgage loan informational document
• 109:4-3-30 - Limitation on advance payments (Relates to Mortgages or Refinancing)
• 109:4-3-25 - Debt collection agreements (Cancellation of such in connection with a residential mortgage)

Housing Help (Consumer-SOS) 
Where to find help in 25 areas related to housing.

Refinancing Your Home

Second Mortgage Financing (Fast Facts)

A Consumer's Guide To Mortgage Refinancing

Back To Top

Reverse Mortgages

Reverse Mortgages Convert Home Equity into Cash (Ohio)

Reverse Mortgages (Fast Facts)

Reverse Mortgages (Website With Links)

Reverse Mortgages For HUD homes  
Has links Where To File Complaints.

Back To Top

Mortgage Insurance

Ohio Insurance FAQS For Auto, Health, Life, Home and More

Complete List of Insurance Companies Authorized to Transact Business in the State of Ohio

Ohio Department Of Insurance (Main Page)

See Already A Homeowner/Insurance

Back To Top

Mortgage Discrimination

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. Learn when you're being discriminated against and where to go for help.

Civil Rights-Frequently Asked Questions (Ohio)
Discrimination questions regarding work, education, credit, public accommodation, filing charges, retaliation and more.

Ohio Attorney General's Office
Investigates illegal acts against Ohio consumers.

Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.

Search For Unfair, Deceptive or Unconscionable Acts Done by Ohio Businesses, Stores, Landlords, Etc (Attorney General)
Find out if the wrong done to you has been addressed in the AG's database. If it has you may be able to recover three times the amount of actual damages or $200, whichever is greater. Ignore all fields but their subject box, and choose a subject your issue relates to. Then click "SUBMIT" to Search records for similar violations done by that business or by any other business. Topics include everything from Aeronautics to False Advertising to Food to Travel.

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 The Ohio Attorney General Addresses these consumer related issues.

• 109:4-3-03 - Bait Advertising
• 109:4-3-04 - Use of Word "free"
• 109:4-3-05 - Repairs or Services (Rights When Such Cost You More than $25)
• 109:4-3-07 - Deposit (Your Rights to Secure Goods with A Deposit. Obligations of Seller)
• 109:4-3-08 - New for Used (Disclosures about New And Used Parts, When You Must Say Something is Used and not New)
• 109:4-3-09 - Failure to Deliver (Goods or services, Substitution of Goods or Services When Buying by Mail or Phone)
• 109:4-3-10 - Substantiation of Claims In Advertising
• 109:4-3-11 - Direct Solicitations (Deceptive Practices by Mail or Phone, Or When Not At The Seller's Normal Place Of Business)
• 109:4-3-12 - Price Comparison
• 109:4-3-14 - Insulation (Supplier Obligations, Disclosures and Warranties)
• 109:4-3-17 - Distress Sales (Rules on Offering "Discounted Goods" Because "Going out of Business" or Lost the Lease, etc.)
• 109:4-3-19 - Determining a consumer’s ability to repay a residential mortgage loan
• 109:4-3-20 - Refinancing a low rate mortgage
• 109:4-3-21 - Instructing consumer to ignore information (Relates to Mortgage Loans and also to Refinancing)
• 109:4-3-22 - Recommending default
• 109:4-3-23 - Required disclosure at closing
• 109:4-3-24 - Improperly influencing appraiser
• 109:4-3-26 - Reasonable, tangible net benefit
• 109:4-3-27 - Seller Can't Make You A  Loan When No Reasonable Probability of Payment (Applies To
                        Mortgages)
• 109:4-3-28 - Unconscionable terms in home mortgage loans
• 109:4-3-29 - Distribution and receipt of home mortgage loan informational document
• 109:4-3-30 - Limitation on advance payments (Relates to Mortgages or Refinancing)
• 109:4-3-25 - Debt collection agreements (Cancellation of such in connection with a residential mortgage)

Housing Help (Consumer-SOS)
Where to find help in 25 areas related to housing.


See Mortgage Complaints

For More, See Fair Housing

Back To Top


Complaints

Complaints Against Banks, Consumer Finance, Credit Unions, Money Transmitters, Savings Institutions and More (Ohio)
Find out about banks, the rules they must follow and who regulates them.

Ohio Attorney General's Office
Investigates illegal acts against Ohio consumers.

Division of Real Estate and Professional Licensing (Ohio)
Forms, complaints, appraisers and information for home buyers and sellers.

License Look Up For Ohio Realtors or Ohio Construction

File A Complaint Against All Kinds Of Insurance Companies (Ohio)

Find Your Legal Aid in Ohio By County or Zip Code

Ohio AIRS Statewide Social Services Directory (Call 211 to speak to a live person)
Thousands of links to Help agencies in your county.

Ohio Free Legal Help (Google Links To Pro Bono Resources)

Search For Unfair, Deceptive or Unconscionable Acts Done by Ohio Businesses, Stores, Landlords, Etc (Attorney General)
You may be able to recover three times the amount of actual damages or $200, whichever is greater. if your problem is found in their database and covered in an opinion letter or court case. Ignore all fields but their subject box, and choose a subject your issue relates to. Then click "SUBMIT" to Search records for similar violations done by that business or by any other business.

Consumer Sales Practices Act-Substantive Rules (Ohio)
OAC § 109:4-3-01 Attorney General Addresses these consumer related issues.

• 109:4-3-19 - Determining a consumer’s ability to repay a residential mortgage loan
• 109:4-3-20 - Refinancing a low rate mortgage
• 109:4-3-21 - Instructing consumer to ignore information (Relates to Mortgage Loans and also to
                           Refinancing)
• 109:4-3-22 - Recommending default
• 109:4-3-23 - Required disclosure at closing
• 109:4-3-24 - Improperly influencing appraiser
• 109:4-3-26 - Reasonable, tangible net benefit
• 109:4-3-27 - Seller Can't Make You A  Loan When No Reasonable Probability of Payment (Applies To
                           Mortgages and Maybe Also To High Interest Auto Purchases & Other Loans)
• 109:4-3-28 - Unconscionable terms in home mortgage loans
• 109:4-3-29 - Distribution and receipt of home mortgage loan informational document
• 109:4-3-30 - Limitation on advance payments (Relates to Mortgages or Refinancing)
• 109:4-3-25 - Debt collection agreements (Cancellation of such in connection with a residential mortgage)

Mortgage Broker Licenses In DC & All 50 States
Find out who regulates them & where to complain to.

Find The AARP In Ohio
The AARP offers legal advocacy for seniors and may also have state specific consumer brochures which are available to everyone.

Find Your Local Newspaper, Magazine, Radio & TV Stations
Give them a little bad press and you're bargaining power increases tremendously. Select Ohio, and then click on your county or city for the proper media to report to. (DC Not Included).

For More, See Fair Housing

Back To Top