Resource Center

Welcome to the Fearless Homebuyer Resource Center.  We’ve assembled the best home buying and financing resources on a National basis.  For State & Local Resources, use the drop down menu to the far left.

Help us!  If you know of a Resource that you think should be here, feel free to Contact Us.

The Fearless Homebuyer Blog

Come checkout our Blog!  We discuss current topics relating to buying a home as well as the Lessons on Fearless Homebuyer.  Your questions and participation are welcome at The Fearless Homebuyer Blog.

Home Financing & Closing Cost Assistance Programs

US Dept of Housing & Urban Development (HUD)
Directory of State & Local Home Buying Programs sponsored by HUD, your State or local government
Listing of Local Homebuying Programs

Frequently Asked Questions on Home Buying & Financing
HUD FAQs on Homebuying

Good Neighbor Next Door Home Buying Program
for Law Enforcement Officers, Firefighters, Teachers and EMT’s
HUD Good Neighbor Next Door Program Details

Calculators for Home Buying Decision Making

Is it better for you to rent or buy a home?  Use this calculator to compare which is best for you.
Ginnie Mae Rent vs Buy Calculator

How much home can you afford?  Use the FHA Mortgage payment calculator to input different scenarios.
FHA Mortgage Payment Calculator

An amortization schedule shows how much of your monthly mortgage payment will go toward principal and interest over the life of your loan. The calculator also lets you see how much you can save by prepaying some of the principal.
Mortgage Amortization Schedule

Credit Resources

The Identity Theft Resource Center is a non-profit organization dedicated to the understanding and prevention of identity theft.
ID Theft Info & Resources

The National Foundation for Credit Counseling promotes responsible credit use & credit counseling.
Credit Education & Counseling

Home Search Sites

Your local Realtor Multiple Listing Service (MLS) typically has the most complete, accurate and helpful search capability.  Realtor.com has the most complete database of listings for a national site but local search sites are your best bet.  See our Lesson “How to Search for Homes.”  Ask your Buyer’s Agent for recommendations as well.  Find a Buyer’s Agent.

Foreclosure Property Searches

Fannie Mae’s Homepath site lets you search for “bank owned” homes owned by Fannie Mae in your state.
Homepath Homes by Fannie Mae

Freddie Mac’s Homesteps site lists foreclosed homes they own that are available for sale in your area.
Homesteps Homes by Freddie Mac
and Homesteps incentives to buy.  Check back often as they change from time to time.
Homesteps Smart Buy Incentives

Tax Resources

The IRS Real Estate Tax Center is filled with answers to all your home tax related questions.
IRS Real Estate Tax Center

Crime Resources

CrimeReports.com is the largest resource online for crime data.  Search your city, address or even zip code.

School Ratings

School listings of 200,000 public and private schools serving students from preschool through high school and more than 800,000 parent ratings and reviews
GreatSchools.org

Home Inspection Resources

American Society of Home Inspectors (ASHI) Frequently Asked Questions
ASHI Consumer FAQs

Virtual Home Inspection Tour by American Society of Home Inspectors
ASHI Virtual Inspection

Homeowners Resources: USA.gov has the following website filled with great info on construction, renovation, asbestos, radon, underground oil tanks, and much more.
USA.gov Homeowners Resources

 

Thinking of buying a home in the Portland, Oregon area?  Checkout our First Time Home Buyer Classes!

How We Choose our Buyer’s Agents

We choose our recommended Buyer’s Agents the same way we would choose a doctor, CPA, or any other professional. We have a list of criteria that must be met, and then we interview them to make sure we get the right fit not only for professional ability, but also for the right personality.

Here are the minimum requirements we start with:

  • Minimum of 3-5 years experience. Agents learn on the job and it takes time to reach a high level of competence. The US Department of Housing & Urban Development (HUD) says “Look for an agent with at least 2 years experience.”
  • They must work with a team of qualified professionals (Mortgage Professional, Home Inspector, etc.) that are available to assist you in your home buying education.
  • Must be members in good standing of their local Multiple Listing Service to be able to supply you with every local listing as well as history of all properties in your area.
  • They must be responsive to phone calls and emails.

An exceptional Buyer’s Agent is incredibly patient, truly enjoys helping people navigate the home buying process, and above all, must have the heart of a teacher. We also select agents who believe in building their business by receiving referrals and while focusing on outstanding customer service, are not a “pushy salesperson.” After finding these rare individuals, we monitor feedback & ratings from buyers just like you to ensure we always have the best Buyer’s Agents for you to choose from.

Are you interested in becoming one of our Buyers Agents?


We choose our recommended Buyers Agents the same way we would choose a doctor, CPA or any other professional. You must be interviewed by Fearless Homebuyer as well as meet the following minimum criteria:

• Be licensed and practicing real estate full-time for at least 3 years

• Be patient and want to teach those interested in buying a home throughout the entire buying process

• Be responsive to phone calls and emails and respond within 24 hours or less on business days

• Must work with a team of qualified professionals (Mortgage Professional, Home Inspector, etc.)

• Must be a member of the National Association of Realtors and subscribe to the Realtors Code of Ethics

• Must be members in good standing of your local Multiple Listing Service

Fearless Homebuyer is an educational website for those who are interested in purchasing a house. It is NOT a real estate brokerage. If selected to be featured, agents are not employed by Fearless Homebuyer. We recommend Real Estate Agents, and their chosen Mortgage Professionals, to those interested in buying a home. We only select a handful of these professionals in any one geographical area, thus, we make every effort to ensure they are the best out there. If you meet the initial criteria above and are interested in becoming a Fearless Homebuyer Buyer’s Agent, please submit the following information and we will respond with details about how it all works!

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