1-888-8 PUEBLO (1-888-878-3256)
       
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Smart Consumer: Online
Tips and Guides
These electronic publications provide
access to a wide variety of consumer related information. They can be read, but are not available for ordering from
FCIC.
Cars - Computers - Education - Employment - Espaņol - Family - Federal Programs
Food - Health - Housing - Money - Small Business - Travel - And
more...
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Housing
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100 Questions and Answers About Buying a New
Home - This great guide focuses on finances--from how much home you can afford, to
various mortgage loan programs, insurance, taxes, and more.
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5 Tips for Shopping for a Mortgage - Buying a home should be a dream come true not a nightmare of worry and stress. "5 Tips for
Shopping for a Mortgage," will help consumers avoid potential pitfalls and make well-informed decisions when choosing a home
loan.
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Automatic and Programmable
Thermostats - How to choose which of the five basic types is best for your home and will
help you save the most money and energy.
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Beware of
Foreclosure Rescue Scams - If it's too good to be true, it probably is. Protect yourself from
opportunity hunters and frauds.
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Borrower's Guide to Home
Loans - Here's how to find the best loan when shopping for home equity loans and reverse
mortgages.
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Buying Your Home: Settlement Costs and
Information - Describes the home buying, financing, and settlement (closing) process. Also
gives tips on shopping for a loan.
(PDF
file)
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Drinking Water From Household
Wells - Families with their own wells are responsible for maintaining them and making
sure that the water is safe to drink. Here are the facts on sources of pollution and how to keep your water safe.
(PDF
file)
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Electrical Safety Precautions During
Disasters - Follow these safety tips when dealing with electricity during and after storms
and other disasters to prevent death, injuries, and property damage.
(PDF
file)
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Energy Efficient Mortgage Home Owner
Guide - If you're buying, refinancing, or remodeling, save money with a mortgage that covers
energy-saving repairs.
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Fixing Up Your Home and How to Finance It - Information about hiring a contractor, doing the work yourself, and the HUD Title 1 home improvement
loan program.
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For Your Protection Get a Home
Inspection - Understand the difference between a home inspection and an appraisal, the
benefits of and protection provided by a home inspection, and how to find a qualified home inspector.
(PDF
file)
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Great American Home Safety
Check - Gives important tips to help stop slips/falls, poisoning, and fire/burns--the leading
causes of home safety issues in the U.S.
(PDF
file)
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Guide to Avoiding Foreclosure - Whether you're in foreclosure now or worried about it in the future, here is some information that can
help.
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Home Equity Conversion Mortgage
at a Glance - This type of mortgage, also called a federally insured reverse mortgage,
allows people 62 and over to borrow against the equity in their homes without having to repay the loan as long as they are living
in the home. Get the details on eligibility, fees, loan distribution and repayment, and more.
(PDF
file)
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Home
Modifications - Home modifications are changes made to adapt living spaces to meet the
needs of people with physical limitations so that they can continue to live independently and safely. These modifications may
include adding assistive technology or making structural changes to a home. Learn what modifications are right for you, how to
pay for home modifications and where to go for more information.
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Homeowner's Glossary of Building
Terms - Taking on a home improvement project can open a whole new world of terms you
may not know. Here's a quick reference to help you keep up with the language of the trade.
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HUD and Acting Surgeon General Unveil
National Strategy to Produce Healthy Homes - There must be a coordinated national effort
to produce healthier housing. That was the central message from U.S. Housing and Urban Development Deputy Secretary Ron
Sims and Acting Surgeon General Steven K. Galson as they issued a national 'call to action' to confront the prevalence of home-
related preventable diseases such as lead poisoning and asthma. During a news conference at the National Building Museum,
Sims and Galson unveiled HUD's Healthy Homes Strategic Plan and the Surgeon General's Call
to Action to Promote Healthy Homes as a coordinated effort with other public and private partners to stimulate a national
dialogue about creating healthier homes.
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Improving the Efficiency of Your Duct
System - Fix potential problems that can affect your family's health and comfort and cost you
money.
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Indoor Air Hazards Every
Homeowner Should Know About - Get rid of molds, carbon monoxide, radon, asbestos,
lead, tobacco smoke, and other pollutants.
(PDF
file)
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Indoor Electrical Safety
Check - Quick and easy tips to make your home safe from electrical hazards.
(PDF
file)
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Is Foreclosure Knocking at
Your Door? - If you are having financial difficulties, there are mortgage modification
programs to help you.
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Keeping Your Home Safe - Use the crime-stoppers' checklist and other practical tips to protect your home from fire and
theft.
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Making Your Home Safe from
Fire and Carbon Monoxide - Prevent fires, protect yourself with smoke detectors and fire
extinguishers, keep carbon monoxide out of your home, and develop an emergency home escape plan for your
family.
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MakingHomeAffordable.gov
- Information on federal home loan modification and refinancing program. Offers features including interactive self-assessment
tools to help boowers determine if they're eligible to participate and calculate the monthly mortgage payment reductions they may
under the Making Home Affordable program.
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Managing the Japanese Beetle: A
Homeowner's Handbook - Discusses how to detect and control Japanese beetles, and
choose plants that resist Japanese beetle feeding.
(PDF
file)
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Outdoor Electrical Safety
Check - Detailed guide to preventing outdoor electrical hazards that can cause fires and
dangerous shocks.
(PDF
file)
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Protect Your Family From Lead In Your
Home - Exposure to lead is dangerous, especially to young children. Learn how to check
your home for signs of lead.
(PDF
file)
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Saving With Energy Star - How to choose
products with the Energy Star label to help save energy, help the environment, and reduce the costs of utility
bills.
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Should You Have Your Air Ducts in Your
Home Cleaned? - Tips on deciding if your ducts need cleaning, choosing a cleaning
service, evaluating health claims, and keeping ducts clean.
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Surges Happen! How to Protect the
Appliances in Your Home - Find out what power surges are, what appliances need
protection, and what devices work best.
(PDF
file)
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The New Climate for Mortgage
Borrowers - A timely primer on how to choose the best mortgage during this period of
declining home values and stricter credit standards. Explains what caused this situation, and what potential and current
homeowners, particularly those facing foreclosure, can do to improve their credit scores, obtain a good loan and hold onto their
homes.
(PDF
file)
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Turning "Fixer-Uppers" into Dream
Homes - Learn how you can get a long-term mortgage that includes the costs of
reconstructing, modernizing, or eliminating health and safety hazards in your home. Find out what properties are eligible, what
improvements are covered, and how to apply.
(PDF
file)
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Water on Tap: What You Need to
Know - Explains where it comes from and how it's treated, what contaminants are, and what
to do in case of a problem with either your public or private water supply.
(PDF
file)
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Weather Patterns Are Changing, and So Are Your Chances of
Being Flooded - In recent years, 2 out of every 3 U.S. natural disasters were flood related.
Learn how to obtain the flood insurance you should have.
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Weathering the High Cost of Heating Your
Home - Evaluate your heating system's energy efficiency, buy energy-efficient appliances,
and get the best prices on heating oil.
(PDF
file)
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Your Home - Advice on how to buy, sell, rent, or improve a home, with additional tips on moving, seasonal interior
and exterior maintenance, repairs, and safety.
(PDF
file)
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Your Move Packet - Three helpful booklets to help you choose a reputable mover, select the right level of liability
insurance to protect your possessions, and deal with any problems on an interstate move. Includes a "before you move"
checklist.
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