Owning your own home is the American Dream…but you need to be prepared for its challenges. These tips, tricks, and other information can help make your experience as a homeowner a little easier.

Maintaining and Improving Your Home

	HUD programs - HUD has a number of programs that may help you with home improvements
	Home improvements for senior citizens

Energy and Your Home Environment

Protect your family from lead poisoning

Paying Your Mortgage

	Escrow accounts  - in most cases, part of your monthly mortgage payment goes into an escrow account. Know what to expect
	Mortgage insurance premiums
	Your rights and the responsibilities of the mortgage servicer
	Reservists, Guardsmen, and Other Military Personnel have special protections
	If you are facing the loss of your home…
	Avoiding foreclosure on an FHA loan

Refinancing

FHA streamline refinance

Reverse Mortgages

Manufactured Homes

Have a problem with your manufactured home?