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Keys to My House - Resource List

The Keys to My House video (available in Spanish) provides consumer advice on buying a home. Here are links to other websites that provide additional information on how to put that advice into practice.

  • Determine financial readiness to purchase a home
  • Consultants for advice on home buying
  • Understanding the home purchase contract
  • Home financing options
  • Anticipating hidden fees, closing costs, and ownership costs after acquisition
  • Residential Real Estate FAQs

Determine Financial Readiness to Purchase a Home

What Can You Afford?

Mortgage calculator

This mortgage calculator will calculate your monthly payments without asking for your contact information.

Freddie Mac – Mortgage Calculator

This mortgage calculator will calculate your monthly payments without asking for your contact information.  It also helps you determine how much home you can afford.

Rent vs. buying

Is It Better to Rent or Buy?

This site gives you an interactive tool that allows you to determine whether you should rent or purchase a home.

Freddie Mac – Rent or Buy

This Freddie Mac site discusses how people should analyze whether to rent or purchase a home.

How Much Can You Borrow?

Freddie Mac – How Much Can You Borrow?

Freddie Mac give you an interactive tool that shows users how you analyze whether you can afford a mortgage or not and at what price.

Consultants for Advice on Home Buying

Find a Realtor

National Association of Realtors

Find a realtor; can narrow it down and search by names, city, and language

National Association of Hispanic Real Estate Professionals

Fill out contact us information to ask for a local referral

Find a Certified Financial Planner

CFP Board

Search for a certified financial planner (CFP) in your city and state; advanced search also lets you pick language.

Find a Lawyer

American Bar Association

Look up local bar associations in your area based on city, state or zip

Find a Housing Counselor

HUD Certified Counseling Agencies

Find a HUD counselor in your area based on state. Can narrow the search by language


American Translators Association

Search by area of practice

Understanding the Home Purchase Contract


Explains the different components of the contract

Documents Involved

Lists the documents involved and what different closing costs are involved

Home Financing Options

Get a Loan

U.S. Department of Housing and Urban Development

Home buying programs in your state

Lender List

Find a HUD approved lender in your area

Good Neighbor Next Door Sales Program

Program for law enforcement officers, pre-kindergarten through 12 grade teachers, firefighters, and emergency medical technicians looking for homes in revitalization areas

How FHA can help buy a home

VA Home Loans

US Dept of Veterans Affairs page on home loans

Rural Development Loans

United States Department of Agriculture has assistance program that provides funding for single family homes, apartments for low-income persons or the elderly, etc.

Down Payment Assistance Resource Directory

Provides links to government-subsidized programs by state

This guide helps Hispanic homebuyers to better understand the home buying process

Hispanic National Mortgage Association

This association is a for-profit company focused on increasing homeownership opportunities for Hispanic families

Anticipating Hidden Fees, Closing Costs, and Ownership Costs After Acquisition

The Mortgage Process

Freddie Mac – Mortgage Process

Freddie Mac provides you a step by step checklist from financing to closing

Closing Cost Calculator

Freddie Mac – Closing Costs Calculator

Freddie Mac provides users a calculator to determine closing costs

Down Payment Calculator

Freddie Mac – Down Payment Calculator

Freddie Mac provides users a calculator to determine down payment costs

What to Expect at Closing

Freddie Mac – Closing

Freddie Mac provides users a list of closing documents and the meaning behind them

The information contained in the websites noted herein represent the opinions of the authors and editors of those respective websites and should not be construed to be those of the American Bar Association ("ABA") or its Section of Real Property, Trust and Estate Law Section or its Commission on Hispanic Legal Rights and Responsibilities. Links to these websites are provided for informational purposes only and neither the ABA nor any of its affiliates take responsibility for the content of any of these websites. No representations or warranties whatsoever, express or implied, are given as to the accuracy or applicability of the information contained herein or therein. Transmission of the information is not intended to create, and receipt does not constitute, an attorney-client relationship between any attorney and any other person, group or entity. Nothing contained herein or therein is to be considered as the rendering of legal advice for specific cases, and readers are responsible for obtaining such advice from their own legal counsel .