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Federal Programs
What is the U.S. Department of Housing and Urban Development?
Also known as HUD, the U.S. Department of Housing and Urban Development was established in 1965 to develop national policies and programs to address housing needs in the U.S. One of HUD's primary missions is to create a suitable living environment for all Americans by developing and improving the country's communities and enforcing fair housing laws.
How does HUD help homebuyers and homeowners?
HUD helps people by administering a variety of programs that develop and support affordable housing. Specifically, HUD plays a large role in homeownership by making loans available for lower- and moderate-income families through its FHA mortgage insurance program and its HUD Homes program. HUD owns homes in many communities throughout the U.S. and offers them for sale at attractive prices and economical terms.
What is the FHA?
Now an agency within HUD, the Federal Housing Administration was established in 1934 to advance opportunities for Americans to own homes. By providing private lenders with mortgage insurance, the FHA gives them the security they need to lend to first-time buyers who might not be able to qualify for conventional loans. The FHA has helped more than 26 million Americans buy a home.
How can the FHA assist me in buying a home?
The FHA works to make homeownership a possibility for more Americans. With the FHA, you don't need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months' rent. And your monthly payments may not be much more than rent.
How is the FHA funded?
Lender claims paid by the FHA mortgage insurance program are drawn from the Mutual Mortgage Insurance fund. This fund is made up of premiums paid by FHA-insured loan borrowers. No tax dollars are used to fund the program.
Who can qualify for FHA loans?
Anyone who meets the credit requirements, can afford the mortgage payments and cash investment, and who plans to use the mortgaged property as a primary residence may apply for an FHA-insured loan.

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ABR - Accredited Buyer Representative

REALTOR - National Association of REALTORS

SRES - Senior Real Estate Specialist

Debbie Dunbar
ABR, CCSS, REALTOR
 
Direct: 928.899.1867
Fax: 928.778.0755
Contact Me


Russ Lyon Realty
of Prescott
PRESCOTT ARIZONA


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   DebbieDunbar.com will guide you to Prescott, Prescott Valley and Chino Valley, AZ homes for sale and property listings. You will also find an extremely valuable treasure of knowledge. Debbie Dunbar, is a licensed real estate agent for Russ Lyon Realty. Highly trained, educated, and experienced to efficiently, promptly, and professionally meet your expectations, dreams, and goals. We serve home buyers, sellers and investors with all their real estate needs.  We will help you buy or sell your house, condo, townhouse, loft, land, lot, apartment, condominium, properties, et cetera.
   You will also find hundreds of pages of information, advice, methods, techniques, and more, all regarding real estate. Reports are available in a print-friendly format. It is like a mini-seminar, a training course on buying, selling, investment strategies, preparation, financing, legalities, and so much more. You will be made aware of the pitfalls in buying and how to avoid serious mistakes when selling. Discover why this professional real estate agent will make your home buying and/or selling process less stressful and virtually pain free. You will understand how to come out ahead in your negotiations to make your transaction a memorable and profitable experience. There is even a guide on how to sell your home yourself, without an agent or broker. This is known as a "fsbo" or for sale by owner. You will learn what it takes to sell property and understand how and why real estate professionals earn their commissions.
   All is expertly written by a highly successful retired real estate agent/broker. Taken from his actual weekend seminar curriculum that was presented to agents, brokers, home buyers, sellers, and investors across the United States and Canada.
   In addition, we have provided numerous links to sites of local interest and official governmental websites. These will assist you in your search for a home or a buyer for your home.
   Learn from our website, search our real estate listings, then contact Debbie for relocation information in Prescott, Prescott Valley, or Chino Valley, Arizona.

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