Resources You Can Use

IRS Withholding Calculator — See how changing your exemptions will affect your take home pay and thus can help you best manage your new tax and homeowner responsibilities.
Mortgage Interest Tax Deduction Calculator — This will show you how much you can write off each year (roughly). Speak to you tax adviser for an accurate assessment, but it’s a great tool to help show you your net effective mortgage payment.
Annual Credit Report — You’re allowed to pull your credit report for free once per year. It’s extremely important to keep tabs on your credit.
California Housing Finance Agency — A great state financing program that (usually) offers below market interest rates and down payment assistance programs to first time homebuyers. I am CalHFA-trained and approved.
MLS Listings — The best source for local do-it-yourself property searches.
Realtor.com — Excellent source for national property searches.
Mortgage Indexes – Use this tool to see historical Index rates. This can be especially useful when analyzing how your ARM will adjust.
Shopping for Your Home Loan – A booklet prepared by HUD as a general guide to settlement closing costs.
Consumer Handbook on Adjustable Rate Mortgages – Information regarding ARMs, how they adjust and other considerations.

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