Helpful Websites
- FHA - www.hud.gov - This is FHA website. It is cumbersome, so here are a few links to different important sections on the site.
- http://www.hud.gov/offices/hsg/sfh/res/sc3secta.cfm This site explains closing cost on home loans.
- http://www.hud.gov/offices/hsg/sfh/insured.cfm This site details FHA loan products.
- http://www.hud.gov/offices/adm/hudclips/handbooks/hsgh/4155.1/index.cfm This is the FHA credit analysis guidebook. You nee this in association with circular letters. This will tell you how a loan is approved.
- https://www5.hud.gov/ecpcis/main/ECPCIS_List.jsp This is a list of debarred lenders, real estate agents and developers. You don’t want to do business with one of these people.
- http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/ This is a list of letters sent by FHA to Lenders to notify them of changes.
- http://www.hud.gov/offices/hsg/sfh/buying/buying.cfm This is HUD’s information guide to buying a home.
- VA - http://www.homeloans.va.gov/veteran.htm - VA home lending site.
- http://www.homeloans.va.gov/pdf/vap_26-4_online_version.pdf This is VA’s information guide on getting a VA loan.
- http://www.homeloans.va.gov/ondemand_vets_stream_video.htm VA’s video guide on getting a loan.
- Fannie Mae - http://www.fanniemae.com/index.jhtml
- Freddie Mac - http://www.freddiemac.com/
- Rural Development - http://www.rurdev.usda.gov/
- Bank Rates - http://www.bankrate.com/
- Mortgage Calculators - http://www.bankrate.com/brm/calculators/mortgages.asp Bank rate has several good mortgage calculators.
- Mortgage implode-o-meter - http://ml-implode.com/ This is a website that gives you data on mortgage companies that have closed or are in trouble.
- Mortgage Universe - http://www.brokeruniverse.com/ This is a Mortgage lenders website with a good deal of mortgage industry information.
- Acorn Housing Group - http://www.acornhousing.org/index.php Acorn is a housing advocacy and consumer education group.
- Habitat For Humanity - http://www.habitat.org/.

MCA offers a product to protect you against potential mortgage fraud and over-charging. It is called the Consumer Protection Plan. A Mortgage Professional will review your initial mortgage disclosure documentation and when the loan is ready to close the MCA professional will also review your closing settlement documents to make sure you received the correct program, rate and fees as initially disclosed.






