DollarWise Resource Book, 2007-08

2007_08
resource book
building strong foundations

THE UNITED STATES CONFERENCE OF MAYORS
COUNCIL FOR THE NEW AMERICAN CITY
FOUNDING SPONSOR
The United States

Conference of Mayors
Douglas H. Palmer
Mayor of Trenton
President
Manuel A. Diaz
Mayor of Miami
Vice President
Tom Cochran
Executive Director
1620 Eye Street NW
Washington, D.C. 20006
202.293.7330 | Fax 202.293.2353
usmayors.org
Founding Sponsor of the Dollar Wi$e Campaign
Countrywide Financial Corporation
Cosponsor of Dollar Wi$e Week 2007
Citigroup
Council for the New American City

2007 Members
American Institute of Architects
American Management Services
Cherokee Investment Partners, LLC
DuPont
Initiative for a Competitive Inner City
International Council of Shopping Centers
Mortgage Bankers Association
National Association of Home Builders
National Association of REALTORS
National Urban League
Nationwide Retirement Solutions
Social Compact
Kwame M. Kilpatrick
Mayor of Detroit
Chair, Council for the New American City
Dave Gatton
Director, Council for the New American City
MAYORS NATIONAL DOLLAR WI$E CAMPAIGN

RESOURCE BOOK | 2007_08
welcome
What is the Resource Book?
The Dollar Wi$e Resource Book has been compiled to assist mayors, city
staff, and local community leaders implement local financial education
programs. Through the use of this booklet, city officials can find low-cost
or free financial education curriculum and resources to develop programs
that meet the needs of their citizens.
Using this Resource Book
SECTION 1 of the Resource Book is composed of five sections that focus on
various target audiences, each of which face different issues and for whom
particular curriculum materials have been developed. These audiences are:
Homebuyers
Students
Credit
General Consumers
Other Target Audiences
SECTION 2 of the Resource Book lists items by provider.
For all items listed, the Dollar Wi$e Resource Book provides contact
information, Web links, and descriptions of how each item can be used
to build curriculum for financial education programs that focus on a
specific issue or group of citizens. Many government agencies, nonprofits,
and corporations provide comprehensive educational resources that are
readily available for no or little cost.
Updates & feedback
We welcome any feedback you can offerpraise, criticism, suggestions,
and new ideason this publication. Additionally, please notify the Mayors
National Dollar Wi$e Campaign if it appears that a listing in this book is
incorrect or outdated. Thank you.
contents
RESOURCES ORGANIZED BY
TARGET AUDIENCE
S E C T I O N 1 | page 1
PROVIDER
S E C T I O N 2 | page 23
Citigroup
page 23

page 24
Federal Reserve System

page 26
InCharge Education Foundation, Inc.

page 33
Mortgage Bankers Association

page 35
National Association of REALTORS

page 37
National Urban League

page 39
Nationwide Retirement Solutions

page 40
HOMEBUYERS
page 3
STUDENTS
page 10
CREDIT
page 11
GENERAL CONSUMERS
page 13
OTHER TARGET
AUDIENCES
page 17
2007_08 resource book
ii
TARGET AUDIENCE
A Consumers Guide to Mortgage Lock-Ins

| Explains mortgage lock-ins, including costs and options.
Provides consumer checklist of questions to ask when shopping for a loan.
federal reserve system
contact
Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

www.federalreserve.gov/pubs/lockins
A Consumers Guide to Mortgage Settlement Costs

| Explains the fees associated with mortgage settlement.
Provides information about the settlement process, a cost worksheet, and sources for
additional information.

www.federalreserve.gov/pubs/settlement
Consumer Handbook on Adjustable-Rate Mortgages (ARM)

Gua para el consumidor sobre hipotecas a tasa ajustable
| Basic information on an important and complex mortgage
option.
availability
English and Spanish
contact

www.federalreserve.gov/pubs/arms/arms_english.htm
www.federalreserve.gov/pubs/arms/arms_spanish.htm
HOMEBUYERS
contact
The Countrywide Home Buyers Club

| The House America Counseling Center offers the
Countrywide Home Buyers Club. It is a no-cost program to assist customers who are
determined and committed to buying a home. Customers are provided education in
budgeting, credit counseling, and other steps that may be necessary to help prepare
for homeownership.
countrywide financial corporation
availability

contact
Brochure and education materials available in English or Spanish

50 complimentary copies per city
House America Counseling Center
1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
An Easy Guide to Buying a Home

| An informational booklet for potential
homebuyers on the steps to purchasing a home. Tips include how to find a real
estate professional, common real estate terms, types of loans, and how to make an
offer on a property.
availability
HOMEBUYERS
contact
Booklet available in English or Spanish

1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
www.wehouseamerica.com
FHA Insured Mortgages

national association of realtors
| The National Association of REALTORS and the

Federal Housing Administration created an educational brochure titled FHA Insured
Mortgages, which is designed for REALTORS and consumers. The brochure lays out
the benefits and changes made to the FHA mortgage program. The brochure is also a
user-friendly guide to other resources from FHA and the Department of Housing and
Urban Development.
availability
Mayors can receive 10 copies each free of charge, or purchase more

brochures at cost through the Realtor.org Store at www.realtors.org
contact
Wendy Penn, Housing Opportunity Program

202.383.7504 | wpenn@realtors.org
www.realtor.org/government_affairs/housing_opportunity/resource_
center/fha_mortgages.html
H.O.M.E. (Home Ownership Mortgage Education)

| Countrywides H.O.M.E. (Home Ownership
Mortgage Education) is a comprehensive consumer financial education program
designed to help individuals make more informed financial decisions, and to arm
them with the knowledge they need to achieve and maintain home ownership.

H.O.M.E. gives consumers easy-to-understand educational materials and
tools that can help them learn how to develop a budget and savings plan, build their
credit, shop for a loan, and maintain a home once theyre in it. The website provides
articles, worksheets, video clips, quizzes, and printable checklists to help consumers
when they leave the site and begin the actual home-buying process.

Portions of the H.O.M.E. program have been produced in cooperation with
the National Foundation for Credit Counseling (NFCC) and are based in part on
the NFCC publication Keys to Home Ownership, National Foundation for Credit
Counseling.
contact

1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
www.HomeByCountrywide.com
Home Affordability Chart

| A calculator to determine how much you can
afford to pay for a home based on your yearly income, the amount of your down
payment, and your interest rate. To access the calculators, please visit the Web site
below.
availability

contact

1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
www.countrywide.com/calculators/CalcCombined.asp
Home Mortgages:
Understanding the Process and Your Right to Fair Lending
| Guidance on shopping for a home mortgage, making an
application, and understanding your rights to fair lending.
contact

www.federalreserve.gov/pubs/mortgage/morbro.htm

| Toll-free number potential homebuyers can call
for home buyer education information, loan pre-qualification, credit analysis, and
budget counseling through the Countrywide Home Buyers Club Program.
HOMEBUYERS
Chart available in English only

contact

1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
www.wehouseamerica.com/resource.html
How to Avoid Predatory Lending


Center for Responsible Lending created an educational brochure titled How to
Avoid Predatory Lending to help consumers identify the warning signs of predatory
loans. It also gives tips to consumers on how to avoid them, including questions they
should ask when shopping for a loan.
availability

contact

center/predatory_lending.html
InCharge Guide to Homeownership

incharge education foundation, inc.
| The InCharge Guide to Homeownership is a

practical, easy-to-understand guidebook for potential homebuyers who have little
or no experience with homeownership. This manual is designed for easy self-paced
study. Readers start with a pre-test to gauge their level of knowledge about owning
a home, then they move into the various important topics about the home buying
process.
HOMEBUYERS
availability
English and Spanish

For up to 20 free books, call 407.532.5602
contact
Michelle Serrano | 407.532.5602
Looking for the Best Mortgage: Shop, Compare, Negotiate

Buscando la hipoteca ms favorable: Compare, Verifique, Negocie
| Guidance on identifying all the costs of your mortgage and
negotiating the best loan terms.
availability
English and Spanish
contact

www.federalreserve.gov/pubs/mortgage/mortb_1.htm
www.federalreserve.gov/pubs/mortgage/MortB_1_Spanish.htm
MBAs Home Loan Learning Center

| A Web site that provides consumers with information
and resources necessary to learn about the home buying process. It offers the
consumer an explanation about how the home buying process works; home buying
tips and online links to home buying guides. The site also provides an explanation
of consumers rights, contains calculators to help consumers make decisions about
what type of mortgage they can obtain and afford and definitions of different
mortgage products.

It offers the consumer a free online course entitled Consumer Homebuyer
Education: Home Buying Basics that covers such topics as budget development,
understanding credit, selecting a home, evaluating mortgage products, preparing
a mortgage application, procedures at closing, and how to avoid predatory lenders.
A free seminar is also available for consumers to listen to and participate in a
presentation delivered via the telephone about the importance of good credit and
how to better improve their credit score. The Home Loan Learning Center is a tool
that you can use to educate your constituents about homeownership opportunities
in your communities. Web site and course in English and Spanish
mortgage bankers association
contact
Paul Richman | 202.557.2899 | paul_richman@mbaa.org

www.homeloanlearningcenter.com
MBAs Resource Center for Expanding Homeownership

| The Resource Center for Expanding Homeownership
is a Web site designed to provide industry professionals with resources that will
assist them in meeting the needs of emerging market borrowers across the country.
Lenders, other real estate finance professionals, nonprofit agencies and government
agencies in your community can find information about the following areas:
Consumer Education, a tool kit for successfully conducting homebuyer fairs and
other consumer education efforts.
Best Practices that provide models of successful partnerships.
Partnership Opportunities providing directories of potential partners including

public, private and nonprofit agencies involved in housing at the local, state and
national level.
Products and Programs providing innovative approaches to expanding

homeownership.
Research Resources and Library which assist in assessing market opportunities.


www.mortgagebankers.org/homeownership
Putting Your Home Loan on the Line Is Risky Business

Utilizar su hogar como garanta para un prstamo es arriesgado
| Guidance on avoiding potential borrowing pitfalls, including
high-cost predatory home loans, and tips for getting the best financing deal
possible. Includes a worksheet to use in shopping for a home loan.
availability
English and Spanish
contact

www.federalreserve.gov/pubs/riskyhomeloans
www.federalreserve.gov/pubs/riskyhomeloans/riskyspanish.htm
HOMEBUYERS
contact
Specialty Mortgages: What Are the Risks and Advantages?


Center for Responsible Lending created an educational brochure titled Specialty
Mortgages: What are the Risks and Advantages? to help prospective buyers make
an informed decision about the kind of home financing that is best for them.
This brochure outlines for consumers the risks and advantages for nontraditional
mortgages, including interest-only, payment option ARM, and 40-year mortgages.
availability

contact
In English and Spanish

center/specialty_mortgages.html
Stop Mortgage Fraud Consumer Education Campaign

| A financial literacy program that gives consumers
three important tools they can use to help prevent them from being subject to
predatory lending practices:
A Borrowers Bill of Rights, which provides a detailed listing of consumer rights

during the mortgage transaction from the first contact with a lender/broker to
the closing of the loan.
The Ten Warning Signs of Predatory Lending, which lists the 10 common warning
signs of predatory lending. These signs include everything from being asked to
leave signature lines blank to being encouraged to include false information on
a loan application.
Where to Report Suspected Predatory Lending, consumers can either visit the
Web site or call 1.800.348.3931 to get information on what steps to take to file
a complaint. Consumers calling the 800 number will receive a brochure that
contains information also found on the Web site.
HOMEBUYERS
availability
English, Spanish, and Arabic
contact

www.stopmortgagefraud.com
Traditional Mortgages: Understanding Your Options


Center for Responsible Lending created an educational brochure titled Traditional
Mortgages: Understanding Your Options to assist consumers in making the
best decision when considering 15- and 30-year and traditional adjustable-rate
mortgages. This publication is also helpful to individuals considering options for
tapping into the equity in their homes.
availability

contact

center/traditional_mortgages.html
What You Should Know about Home Equity Lines of Credit

Lo que usted debera saber sobre las lneas de crdito con
garanta hipotecaria
| Information on home equity lines of credit; includes a
glossary of terms and a checklist to use in shopping for a plan.
availability
English and Spanish
contact

www.federalreserve.gov/pubs/equity/equity_english.htm
www.federalreserve.gov/pubs/equity/equity_spanish.htm
WOW Initiative with the Congressional Black Caucus

Foundation
| For minority homebuyerseducation and products
from partners including MBA, Freddie Mac, HUD, and NUL. The program promotes
homeownership as a means to obtain wealth by having equity in a home. Also has
information on credit counseling from the National Foundation for Credit Counseling.
contact

www.cbcfinc.org/Economic%20Development/WOW/index.html
| An informational booklet for all consumers on

credit, credit reports, and how credit is reported. It also includes information on how
to dispute information on a credit report as well as sample correspondence.
availability

contact

1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
www.wehouseamerica.com/documents/YourPersonalCredit.pdf
HOMEBUYERS
Your Personal Credit
The Three Little Pigs: A Financial Fairy Tale

| Nationwide Retirement Solutions believes in
retirement education for life. They are also very concerned about the statistics
surrounding childrens financial education. Development of The Three Little Pigs:
A Financial Fairy Tale is designed to be one step toward helping children build a
natural curiosity about financial planning at an early age. Nationwide has adapted
the well-known childrens fairy tale into a modern-day financial lesson that teaches
children the importance of balancing their spending, saving and sharing. Spending
Pig, Stingy Pig, Smart Pig and Mr. B.B. Wolfe are the stars in the story that follows
the 3 pigs as they manage and mismanage their money. The full-color storybook,
workbook full of suggested activities and other information can be downloaded
from the Web site. These materials can be shared in classrooms, with youth groups, or
as part of the curriculum for Take a Child to Work Day. In recognition of the excellence
of The Three Little Pigs program, the U.S. Conference of Mayors and Nationwide
Retirement Solutions received a 1st Place 2005 Eddy Award from Pensions &
Investments/Workforce Management.
nationwide retirement solutions
contact
STUDENTS
Young Money Magazine

| Young Money delivers a unique blend of

money, business, and lifestyle that informs, engages and inspires its 18- to 24-yearold audience. A recognized brand at several major college campuses across the
country, Young Money leads the market as an authority for young adults through a
bi-monthly magazine, colorful Web site, and exciting live on-campus events.
availability
For up to 20 free one-year magazine subscriptions, call 1.888.436.8714
contact

www.youngmoney.com
10
Louie Watson | 614.854.8895 | watsonL2@nationwide.com

www.nationwidekids.com
Choosing a Credit Card

| Describes credit card features and costs, including
information in credit card solicitations and applications. Provides guidance on how
to file a complaint.
contact

www.federalreserve.gov/pubs/shop
Citi Cards Credit-ED

| The Credit-ED Web site offers college students the essential resources
they need for lifelong sound financial health. Click on Credit-ED Administrator for
facilitator materials.
citigroup
availability
Also available in Spanish
online
www.students.usecreditwisely.com
Consumer Handbook to Credit Protection Laws

| Explains how to shop for and obtain credit, how to maintain
a good credit rating, how to dispute unfair credit transactions, and how to resolve
billing errors.
contact

www.federalreserve.gov/pubs/consumerhdbk
CreditBooster
availability
For up to 20 free workbooks, call 407.532.5602
contact
CREDIT
| The CreditBooster workbook is designed to

provide consumers with information on credit scoring, credit problems, credit repair
and related topics. Users learn about the importance of their credit score and how
the score is determined. CreditBooster also shows readers how to order credit
reports from credit bureaus, understand the information, find and fix errors, and take
steps to rebuild damaged credit.
Credit Guide
| federal reserve bank of chicago | This guide is designed to
help you get a good start, avoid hazards, and know where to go and what to do if you
have problems when using credit.
contact

www.chicagofed.org/consumer_information/credit_guide.cfm
11
How to Establish, Use, and Protect Your Credit

| federal reserve bank of philadelphia | Credit is an important
financial tool, but it can also be dangerous, leading people into debt far beyond their
ability to repay.
contact

www.philadelphiafed.org/consumers/establish.html
Use Credit Wisely

| Use Credit Wisely is part of Citi Cards long-standing commitment to
credit education and provides consumers with the latest resources to help them
achieve peak financial health. The site includes information on topics such as
Gaining Financial Control and Fraud Prevention. It also includes calculators to help
plan a budget and links to other helpful information.
citigroup
online
www.usecreditwisely.com | www.cuidatucredito.com (Spanish)
Your Credit Report

| federal reserve bank of san francisco | It used to be that a
retailer or bank would have to call each creditor you listed on an application form
before they would decide to extend credit to you. Today they rely on credit reports,
so its important for you to know what is in yours.
contact

www.frbsf.org/publications/consumer/creditreport.html
CREDIT
Your Credit Rights

| federal reserve bank of san francisco | You need to
understand how credit is awarded or denied and what you can do if you are treated
unfairly. The major laws that regulate credit are outlined in this brochure.
contact

www.frbsf.org/publications/consumer/creditrights.html

availability

contact
12

1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
Bank Products
| federal reserve bank of san francisco | Provides an overview
of deposits, mutual funds, and annuities.
contact

www.frbsf.org/publications/consumer/products.html
| federal reserve bank of dallas | A beginners guide to

securing your financial future.
availability
Also in Spanish
contact

www.dallasfed.org/ca/wealth
Citigroup Financial Education Program

| This Web site, www.financialeducation.citigroup.com, is managed and
maintained by Citis Office of Financial Education. The Web site provides information
on all of Citis financial education activities, resource materials, and supported
programs. The following are other sites that can be accessed through this Web site:
Citigroups Financial Education Sites
Click on Visit Our Sites to access free materials and additional Web sites on
financial education.
Citis Financial Education Information Portal
Click the Citi Financial Education Information Portal to get answers to your
money questions. The Citi Financial Education Information Portal is a collection
of useful information from Citis most popular Web sites. The Portal provides
advice on topics ranging from budgeting to planning for life events such as
buying a home, saving for retirement, or saving for college.
Financial Education Curriculum
Click on Citigroups Curriculum & Facilitators Guide. Designed for almost any
audience, the Citigroup Financial Education Programs Curriculum offers basic
lessons in personal finances. The curriculum and accompanying facilitators
guide are available in Spanish and English and can be used with audiences from
students to senior citizens.
citigroup
online
GENERAL CONSUMERS
Building Wealth
www.financialeducation.citigroup.com
Consumer Action Handbook

|
credit, investing, and much more.
federal citizen information center
pueblo, co 81009
| Offers tips on savvy banking,
availability
Also in Spanish as Gua del Consumidor 2007
contact
Federal Citizen Information Center | 202.501.1794

www.ConsumerAction.gov | www.consumidor.gov (Spanish)
13
Consumer Information Catalog

| pueblo, co 81009 | Over 15% of its free or low-cost
publications focus on sound money management, saving, credit, and retirement
planning.
GENERAL CONSUMERS
federal citizen information center
availability
Also offers many publications in Spanish
contact
www.pueblo.gsa.gov
Credit and Charge Cards

| federal reserve bank of san francisco | Explains the difference
between credit cards and charge cards as well as disclosure information.
contact

www.frbsf.org/publications/consumer/cards.html
Identity Theft
| federal reserve bank of boston | This booklet is designed to
help you understand what identity theft is, how it happens, how to protect yourself,
and what steps to take if your identity is stolen.
contact

www.bos.frb.org/consumer/identity
Investing for Success

| Workshops designed to strengthen investor awareness in the
African-American community are presented by mutual fund industry professionals
from Investment Company Institute member companies.
national urban league
contact
Claudia Mchunu | 212.558.5374

www.ici.org/i4s
Know Your Money Economic Empowerment Program

| Know Your Money, an economic empowerment program
designed to teach African-American professionals ages 21-40 personal money
management strategies, consists of a 3-class curriculum to help participants
understand their attitudes about money, develop a realistic household budget, and
manage everyday financial tools. The program is hosted by select national urban
league Young Professional chapters each fall.
contact
14
Nataki Goodall | 212.558.5464 | ngoodall@nul.org

www.nul.org/KYM
Making Sense of Savings

| Describes the various types of accounts available at
depository institutions.
contact
Mind Your Finances e-Learning

| Mind Your Finances helps individuals and
organizations tackle the problem of financial illiteracy. This award-winning program
consists of seven independent learning modules, each focused on a specific aspect
of personal finance such as goal setting, budgeting, credit card basics and credit
reports.
availability
For up to 500 free Web version user names and passwords, call
1.877.617.7989
contact

www.mindyourfinances.com
Mind Your Finances Workbooks

| For those seeking to achieve a higher quality

of life, Mind Your Finances offers a fresh perspective on everyday family finances.
Available through a series of booklets and a Web site, it provides practical, effective
information on budgeting, managing cash flow, interpreting credit reports, using
credit wisely, understanding bankruptcy and much more.
availability

contact
English and Spanish

GENERAL CONSUMERS
Paying for It: Checks, Cash, and Electronic Payments

| federal reserve bank of atlanta | This online brochure
discusses various payment methods available to consumers, including cash, checks,
and rapidly-expanding electronic payment methods. Readers can learn how each
system works and the impact of technology. The brochure also provides information
about the advantages, disadvantages, and uses of each method of payment, as well
as the Federal Reserves role in the payment system.
availability
Online only
contact

www.frbatlanta.org
15
Privacy Choices for Your Personal Financial Information

| Guidance for consumers on making informed choices about
whether to allow their personal financial information to be shared.
contact
GENERAL CONSUMERS

www.federalreserve.gov/pubs/privacy
Protecting Yourself from Overdraft and Bounced-Check Fees

Protejase de los cargos por cheques rebotados y sobregiros
| Explains courtesy overdraft-protection, or bounce coverage,
plans, and the costs involved. Provides guidance on how to avoid overdraft fees.
availability
English and Spanish
contact

www.federalreserve.gov/pubs/bounce
www.federalreserve.gov/pubs/bounce/bouncespanish.htm
Purchase Options for Consumers

| When you make a purchase, should you use cash, check, a
credit card, debit card, your computer, or an automatic payment? Which way is best?
To make a good decision, its important to think about your options.
contact

www.chicagofed.org/consumer_information/purchase_options_for_
consumers.cfm
Theres a Lot to Learn About Money

| Learn how to make informed decisions about managing your
money.
contact

www.federalreserveeducation.org/pfed/mediakit.cfm
www.federalreserveeducation.org/pfed/fined/psa.pdf (English)
www.federalreserveeducation.org/pfed/fined/PSASpanish.pdf (Spanish)

availability

contact
16

50 complimentary copies per city.
1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
Identity Theft
| federal reserve bank of boston | This booklet is designed to
help you understand what identity theft is, how it happens, how to protect yourself,
and what steps to take if your identity is stolen.
contact


| Workshops designed to strengthen investor awareness in the
African-American community are presented by mutual fund industry professionals
from Investment Company Institute member companies.

www.ici.org/i4s

| Know Your Money, an economic empowerment program
designed to teach African-American professionals ages 21-40 personal money
management strategies, consists of a 3-class curriculum to help participants
understand their attitudes about money, develop a realistic household budget, and
manage everyday financial tools. The program is hosted by select National Urban
League Young Professional chapters each fall.
contact

www.nul.org/KYM
Military Money Magazine

| Saving, investing and budgeting on a military

incomewhile coping with frequent moves, career changes for the spouse and new
schools for the kidsrequires special skills and planning. Military Money magazine
and Web site explores the dynamic lifestyle of military families and serves as an
authoritative financial resource for those serving in Americas armed forces.
availability
contact

www.militarymoney.com
OTHER TARGET AUDIENCES
contact
Path to Diversity Initiative

| Companies can offer their employees scholarships to
the Mortgage Bankers Associations CampusMBA and School of Mortgage Banking to
advance career development and diversity in the real estate finance industry.
contact

www.mortgagebankers.org/pathtodiversity
17

| Guidance for consumers on making informed choices about
whether to allow their personal financial information to be shared.
contact


Foundation
| For minority homebuyerseducation and products
homeownership as a means to obtain wealth by having equity in a home. Also
has information on credit counseling from the National Foundation for Credit
Counseling.
OTHER TARGET AUDIENCES
18
contact

PROVIDER
Citigroup
Citigroup Financial Education Program

This Web site, www.financialeducation.citigroup.com, is managed and maintained
by Citis Office of Financial Education. The Web site provides information on all of
Citis financial education activities, resource materials, and supported programs. The
following are other sites that can be accessed through this Web site:
Citigroups Financial Education Sites
Click on Visit Our Sites to access free materials and additional Web sites on
financial education.
Citis Financial Education Information Portal
Click the Citi Financial Education Information Portal to get answers to your
money questions. The Citi Financial Education Information Portal is a collection of
useful information from Citis most popular Web sites. The Portal provides advice
on topics ranging from budgeting to planning for life events such as buying a
home, saving for retirement, or saving for college.
Financial Education Curriculum
Click on Citigroups Curriculum & Facilitators Guide. Designed for almost any
audience, the Citigroup Financial Education Programs Curriculum offers basic
lessons in personal finances. The curriculum and accompanying facilitators
guide are available in Spanish and English and can be used with audiences from
students to senior citizens.
online
www.financialeducation.citigroup.com
Citi Cards Credit-ED

The Credit-ED Web site offers college students the essential resources they need for
life-long sound financial health. Click on Credit-ED Administrator for facilitator
materials.
availability
Also available in Spanish
online
www.students.usecreditwisely.com
Use Credit Wisely

Use Credit Wisely is part of Citi Cards long-standing commitment to credit education
and provides consumers with the latest resources to help them achieve peak financial
health. The site includes information on topics such as Gaining Financial Control and
Fraud Prevention. It also includes calculators to help plan a budget and links to other
helpful information.
online
www.usecreditwisely.com | www.cuidatucredito.com (Spanish)
23
Countrywide
Financial Corporation
CO N TAC T
1.800.577.3732 (English) | 1.800.293.6316 (Spanish)
An Easy Guide to Buying a Home

An informational booklet for potential homebuyers on the steps to purchasing a home.
Tips include how to find a real estate professional, common real estate terms, types of
loans, and how to make an offer on a property.
availability

online
www.wehouseamerica.com
The Countrywide Home Buyers Club

The House America Counseling Center offers the Countrywide Home Buyers Club. It is
a no-cost program to assist customers who are determined and committed to buying
a home. Customers are provided education in budgeting, credit counseling, and other
steps that may be necessary to help prepare for homeownership.
availability
Brochure and education materials available in English or Spanish

H.O.M.E. (Home Ownership Mortgage Education)

Countrywides H.O.M.E. (Home Ownership Mortgage Education) is a comprehensive
consumer financial education program designed to help individuals make more
informed financial decisions, and to arm them with the knowledge they need to
achieve and maintain home ownership.

H.O.M.E. gives consumers easy-to-understand educational materials and tools
that can help them learn how to develop a budget and savings plan, build their credit,
shop for a loan, and maintain a home once theyre in it. The Web site provides articles,
worksheets, video clips, quizzes, and printable checklists to help consumers when they
leave the site and begin the actual home-buying process.

Portions of the H.O.M.E. program have been produced in cooperation with the
National Foundation for Credit Counseling (NFCC) and are based in part on the NFCC
publication Keys to Home Ownership, National Foundation for Credit Counseling.
online
24
www.HomeByCountrywide.com
Home Affordability Chart

A calculator to determine how much you can afford to pay for a home based on your
yearly income, the amount of your down payment, and your interest rate. To access the
calculators, please visit the Web site below.
availability
Chart available in English only

online
www.countrywide.com/calculators/CalcCombined.asp

Toll-free number potential homebuyers can call for home buyer education information,
loan pre-qualification, credit analysis, and budget counseling through the Countrywide
Home Buyers Club Program.
online
www.wehouseamerica.com/resource.html

An informational booklet for all consumers on credit, credit reports, and how credit is
reported. It also includes information on how to dispute information on a credit report
as well as sample correspondence.
availability

online
25
Federal Reserve
System
CO N TAC T
The 12 Regional Banks of the Federal Reserve System

Boston
Richmond
Connecticut (except Fairfield County),

Maine, Massachusetts, New Hampshire,
Rhode Island, and Vermont
District of Columbia, Maryland, Virginia,

North Carolina, South Carolina, West
Virginia (except panhandle)
617.973.3000 main
www.bos.frb.org/consumer/pfe
804.697.8000 main
410.576.3300 Baltimore
704.358.2100 Charlotte
New York
www. richmondfed.org/educational_
info/consumer_information
Connecticut (Fairfield County only), New

Jersey (northern), New York, Puerto Rico,
U.S. Virgin Islands
212.720.5000 main
www.newyorkfed.org/education/econ_
eduforall.html
Alabama, Florida, Georgia, Louisiana

(southern), Mississippi (southern),
Tennesse (central and eastern)
215.574.6000 main
404.498.8500 main
205.968.6700 Birmingham
904.632.1000 Jacksonville
305.591.2065 Miami
615.251.7100 Nashville
504.593.3200 New Orleans
www.phil.frb.org/consumers
www.frbatlanta.org
Cleveland
Chicago
Kentucky (eastern), Ohio, Pennsylvania

(western), West Virginia (panhandle)
Illinois (northern), Indiana (northern),

Iowa, Michigan (lower peninsula),
Wisonsin (southern)
Philadelphia
Delaware, New Jersey (southern),
Pennsylvania (eastern)
216.579.2000 main
513.721.4787 Cincinnati
412.261.7800 Pittsburgh
www.clevelandfed.org/consumer
26
Atlanta
312.322.5322 main
313.961.6880 Detroit
www.chicagofed.org/consumer_information/
personal_finance_information.cfm
St. Louis
Kansas City
Arkansas, Illinois (southern), Indiana

(southern), Kentucky (western),
Mississippi (northern), Missouri (eastern),
Tennessee (western)
Colorado, Kansas, Missouri (western),

Nebraska, New Mexico (northern),
Oklahoma, Wyoming
314.444.8444 main
501.324.8300 Little Rock
502.568.9200 Louisville
901.523.7171 Memphis
816.881.2000 main
303.572.2300 Denver
405.270.8400 Oklahoma City
402.221.5500 Omaha
www.kc.frb.org
www.stls.frb.org/consumer
Dallas
Minneapolis
Michigan (upper peninsula), Minnesota,
Montana, North Dakota, South Dakota,
Wisconsin (northwestern)
Louisiana (northern), New Mexico

(southern), Texas
612.204.5000 main
406.447.3800 Helena
214.922.6000 main
915.544.4730 El Paso
713.483.3000 Houston
210.224.2141 San Antonio
www.minneapolisfed.org/consumer
www.dallasfed.org/educate/pfe.html
San Francisco
Alaska, American Samoa, Arizona, California, Commonwealth of the Northern Mariana
Islands, Guam, Hawaii, Idaho, Nevada, Oregon, Utah, Washington
415.974.2000 main
213.683.2300 Los Angeles

503.221.5900 Portland
www.frbsf.org/consumer/finance
801.322.7900 Salt Lake City

206.343.3600 Seattle
27
General Federal Reserve System Resources

Federal Reserve Education
All of the Federal Reserve Systems vast financial education resources are brought
together in one place. Find curriculum materials, interactive tools for teaching the basics
of personal finances, and information about Federal Reserve resources in your area.
www.federalreserveeducation.org
Federal Reserve System Publications Catalog

The Federal Reserve Bank of New York offers this comprehensive, online catalog of all
of the Federal Reserve Systems publications, including those produced by the national
Federal Reserve Board and the other regional Federal Reserve Banks.
www.ny.frb.org/publications/frame1.cfm
Federal Reserve Board Publications and Education Resources

Find and order publications and education resources produced by the Federal Reserve
Board.
www.federalreserve.gov/publications.htm
Federal Reserve Board Consumer Information Brochures

The Federal Reserve Boards brochures and booklets are suitable for classroom use. Up
to 100 copies are available without charge. Additional copies (over 100) are $0.25 each.
www.federalreserve.gov/pubs/brochure.htm
Federal Reserve Regional Financial Education Web Sites

Link to educational resources offered by each regional Federal Reserve Bank.
www.federalreserveeducation.org/pfed/byregion.cfm
The Federal Reserve System Online

A portal to the national and regional Web sites of the Federal Reserve.
www.federalreserveonline.org
Federal Reserve Kids Page

A Web site designed to teach middle-schoolaged students about the Federal Reserve
System. The site includes a self-quiz and is also available in Spanish.
www.federalreserve.gov/kids
28
Federal Reserve System

Financial Education Tools
A Consumers Guide to Mortgage Lock-Ins
Explains mortgage lock-ins, including costs and options. Provides consumer checklist
of questions to ask when shopping for a loan.
online
www.federalreserve.gov/pubs/lockins
A Consumers Guide to Mortgage Settlement Costs

Explains the fees associated with mortgage settlement. Provides information about the
settlement process, a cost worksheet, and sources for additional information.
online
www.federalreserve.gov/pubs/settlement
Bank Products
federal reserve bank of san francisco
| Provides an overview of deposits, mutual funds,
and annuities.
online
www.frbsf.org/publications/consumer/products.html
Building Wealth
federal reserve bank of dallas
| A beginners guide to securing your financial future.
availability
Also in Spanish
online
www.dallasfed.org/ca/wealth
Choosing a Credit Card

Describes credit card features and costs, including information in credit card
solicitations and applications. Provides guidance on how to file a complaint.
online
www.federalreserve.gov/pubs/shop
Consumer Handbook on Adjustable-Rate Mortgages (ARM)

Gua para el consumidor sobre hipotecas a tasa ajustable
Basic information on an important and complex mortgage option.
availability
English and Spanish
online
www.federalreserve.gov/pubs/arms/arms_english.htm
www.federalreserve.gov/pubs/arms/arms_spanish.htm
29
Consumer Handbook to Credit Protection Laws

Explains how to shop for and obtain credit, how to maintain a good credit rating, how
to dispute unfair credit transactions, and how to resolve billing errors.
online
www.federalreserve.gov/pubs/consumerhdbk
Credit and Charge Cards

| Explains the difference between credit cards and
charge cards as well as disclosure information.
online
www.frbsf.org/publications/consumer/cards.html
Credit Guide
| This guide is designed to help you get a good start,
avoid hazards, and know where to go and what to do if you have problems when using
credit.
federal reserve bank of chicago
online
www.chicagofed.org/consumer_information/credit_guide.cfm
Home Mortgages:
Understanding the Process and Your Right to Fair Lending
Guidance on shopping for a home mortgage, making an application, and
understanding your rights to fair lending.
online
www.federalreserve.gov/pubs/mortgage/morbro.htm
How to Establish, Use, and Protect Your Credit

| Credit is an important financial tool, but it can
also be dangerous, leading people into debt far beyond their ability to repay.
federal reserve bank of philadelphia
online
www.philadelphiafed.org/consumers/establish.html
Identity Theft
| This booklet is designed to help you understand what
identity theft is, how it happens, how to protect yourself, and what steps to take if your
identity is stolen.
federal reserve bank of boston
online
30
Looking for the Best Mortgage: Shop, Compare, Negotiate

Buscando la hipoteca ms favorable: Compare, Verifique, Negocie
Guidance on identifying all the costs of your mortgage and negotiating the best loan
terms.
availability
English and Spanish
online
www.federalreserve.gov/pubs/mortgage/mortb_1.htm
www.federalreserve.gov/pubs/mortgage/MortB_1_Spanish.htm
Making Sense of Savings

Describes the various types of accounts available at depository institutions.
Paying for It: Checks, Cash, and Electronic Payments

This online brochure discusses various payment methods available to consumers,
including cash, checks, and rapidly-expanding electronic payment methods. Readers
can learn how each system works and the impact of technology. The brochure also
provides information about the advantages, disadvantages, and uses of each method
of payment, as well as the Federal Reserves role in the payment system.
availability
online only
online
www.frbatlanta.org

Guidance for consumers on making informed choices about whether to allow their
personal financial information to be shared.
online
Protecting Yourself from Overdraft and Bounced-Check Fees

Protejase de los cargos por cheques rebotados y sobregiros
Explains courtesy overdraft-protection, or bounce coverage, plans, and the costs
involved. Provides guidance on how to avoid overdraft fees.
availability
English and Spanish
online
www.federalreserve.gov/pubs/bounce
www.federalreserve.gov/pubs/bounce/bouncespanish.htm
Purchase Options for Consumers

When you make a purchase, should you use cash, check, a credit card, debit card, your
computer, or an automatic payment? Which way is best? To make a good decision, its
important to think about your options.
online
www.chicagofed.org/consumer_information/purchase_options_for_
consumers.cfm
31
Putting Your Home Loan on the Line Is Risky Business

Utilizar su hogar como garanta para un prstamo es arriesgado
Guidance on avoiding potential borrowing pitfalls, including high-cost predatory
home loans, and tips for getting the best financing deal possible. Includes a worksheet
to use in shopping for a home loan.
availability
English and Spanish
online
www.federalreserve.gov/pubs/riskyhomeloans
www.federalreserve.gov/pubs/riskyhomeloans/riskyspanish.htm
Theres a Lot to Learn About Money

Learn how to make informed decisions about managing your money.
online
www.federalreserveeducation.org/pfed/mediakit.cfm
www.federalreserveeducation.org/pfed/fined/psa.pdf (English)
www.federalreserveeducation.org/pfed/fined/PSASpanish.pdf (Spanish)
What You Should Know about Home Equity Lines of Credit

Lo que usted debera saber sobre las lneas de crdito con
garanta hipotecaria
Information on home equity lines of credit; includes a glossary of terms and a checklist
to use in shopping for a plan.
availability
English and Spanish
online
www.federalreserve.gov/pubs/equity/equity_english.htm
www.federalreserve.gov/pubs/equity/equity_spanish.htm
Your Credit Report

| It used to be that a retailer or bank would have
to call each creditor you listed on an application form before they would decide to
extend credit to you. Today they rely on credit reports, so its important for you to know
what is in yours.
online
www.frbsf.org/publications/consumer/creditreport.html
Your Credit Rights

| You need to understand how credit is awarded
or denied and what you can do if you are treated unfairly. The major laws that regulate
credit are outlined in this brochure.
online
32
www.frbsf.org/publications/consumer/creditrights.html
InCharge Education
Foundation, Inc.
CO N TAC T
Michelle Serrano | 407.532.5602 | mserrano@incharge.org
CreditBooster
The CreditBooster workbook is designed to provide consumers with information
on credit scoring, credit problems, credit repair and related topics. Users learn about
the importance of their credit score and how the score is determined. CreditBooster
also shows readers how to order credit reports from credit bureaus, understand the
information, find and fix errors, and take steps to rebuild damaged credit.
availability
InCharge Guide to Homeownership

| The InCharge Guide to Homeownership is a

practical, easy-to-understand guidebook for potential homebuyers who have little or
no experience with homeownership. This manual is designed for easy self-paced study.
Readers start with a pre-test to gauge their level of knowledge about owning a home,
then they move into the various important topics about the home buying process.
availability
For up to 20 free books, call 407.532.5602
Military Money Magazine

Saving, investing and budgeting on a military incomewhile coping with frequent
moves, career changes for the spouse and new schools for the kidsrequires special
skills and planning. Military Money magazine and Web site explores the dynamic
lifestyle of military families and serves as an authoritative financial resource for those
serving in Americas armed forces.
availability
online
www.militarymoney.com
33
Mind Your Finances e-Learning

Mind Your Finances helps individuals and organizations tackle the problem of financial
illiteracy. This award-winning program consists of seven independent learning
modules, each focused on a specific aspect of personal finance such as goal setting,
budgeting, credit card basics and credit reports.
availability
For up to 500 free Web version user names and passwords, call
1.877.617.7989
online
Mind Your Finances Workbooks

For those seeking to achieve a higher quality of life, Mind Your Finances offers a fresh
perspective on everyday family finances. Available through a series of booklets and a
Web site, it provides practical, effective information on budgeting, managing cash flow,
interpreting credit reports, using credit wisely, understanding bankruptcy and much
more.
availability
English and Spanish

online
Young Money Magazine

Young Money delivers a unique blend of money, business, and lifestyle that informs,
engages and inspires its 18- to 24-year-old audience. A recognized brand at several
major college campuses across the country, Young Money leads the market as an
authority for young adults through a bi-monthly magazine, colorful Web site, and
exciting live on-campus events.
34
availability
online
www.youngmoney.com
Mortgage Bankers
Association
CO N TAC T
MBAs Home Loan Learning Center

A Web site that provides consumers with information and resources necessary to learn
about the home buying process. It offers the consumer an explanation about how
the home buying process works; home buying tips and online links to home buying
guides. The site also provides an explanation of consumers rights, contains calculators
to help consumers make decisions about what type of mortgage they can obtain and
afford and definitions of different mortgage products.

It offers the consumer a free online course entitled Consumer Homebuyer
Education: Home Buying Basics that covers such topics as budget development,
understanding credit, selecting a home, evaluating mortgage products, preparing
a mortgage application, procedures at closing, and how to avoid predatory lenders.
A free seminar is also available for consumers to listen to and participate in a
presentation delivered via the telephone about the importance of good credit and
how to better improve their credit score. The Home Loan Learning Center is a tool that
you can use to educate your constituents about homeownership opportunities in your
communities. Web site and course in English and Spanish
online
www.homeloanlearningcenter.com
MBAs Resource Center for Expanding Homeownership

The Resource Center for Expanding Homeownership is a Web site designed to provide
industry professionals with resources that will assist them in meeting the needs of
emerging market borrowers across the country. Lenders, other real estate finance
professionals, nonprofit agencies and government agencies in your community can
find information about the following areas:
Consumer Education, a tool kit for successfully conducting homebuyer fairs and
other consumer education efforts.
Best Practices that provide models of successful partnerships.
Partnership Opportunities providing directories of potential partners including

public, private and nonprofit agencies involved in housing at the local, state and
national level.
Products and Programs providing innovative approaches to expanding

homeownership.
Research Resources and Library which assist in assessing market opportunities.

online
www.mortgagebankers.org/homeownership
35
Path to Diversity Initiative

Companies can offer their employees scholarships to the Mortgage Bankers
Associations CampusMBA and School of Mortgage Banking to advance career
development and diversity in the real estate finance industry.
online
www.mortgagebankers.org/pathtodiversity
Stop Mortgage Fraud Consumer Education Campaign

A financial literacy program that gives consumers three important tools they can use
to help prevent them from being subject to predatory lending practices:
A Borrowers Bill of Rights, which provides a detailed listing of consumer rights

during the mortgage transaction from the first contact with a lender/broker to the
closing of the loan.
The Ten Warning Signs of Predatory Lending, which lists the 10 common warning
signs of predatory lending. These signs include everything from being asked to
leave signature lines blank to being encouraged to include false information on a
loan application.
Where to Report Suspected Predatory Lending, consumers can either visit the
Web site or call 1.800.348.3931 to get information on what steps to take to file
a complaint. Consumers calling the 800 number will receive a brochure that
contains information also found on the Web site.
availability
English, Spanish, and Arabic
online
www.stopmortgagefraud.com

Foundation
For minority homebuyerseducation and products from partners including MBA,
Freddie Mac, HUD, and NUL. The program promotes homeownership as a means to
obtain wealth by having equity in a home. Also has information on credit counseling
from the National Foundation for Credit Counseling.
online
36
National Association
of REALTORS
CO N TAC T
FHA Insured Mortgages

The National Association of REALTORS and the Federal Housing Administration
created an educational brochure titled FHA Insured Mortgages, which is designed
for REALTORS and consumers. The brochure lays out the benefits and changes made
to the FHA mortgage program. The brochure is also a user-friendly guide to other
resources from FHA and the Department of Housing and Urban Development.
availability

online
center/fha_mortgages.html
How to Avoid Predatory Lending

The National Association of REALTORS and the Center for Responsible Lending
created an educational brochure titled How to Avoid Predatory Lending to help
consumers identify the warning signs of predatory loans. It also gives tips to
consumers on how to avoid them, including questions they should ask when shopping
for a loan.
availability

online
center/predatory_lending.html
37
Specialty Mortgages: What Are the Risks and Advantages?

created an educational brochure titled Specialty Mortgages: What are the Risks and
Advantages? to help prospective buyers make an informed decision about the kind
of home financing that is best for them. This brochure outlines for consumers the risks
and advantages for nontraditional mortgages, including interest-only, payment option
ARM, and 40-year mortgages.
availability

online
In English and Spanish

center/specialty_mortgages.html
Traditional Mortgages: Understanding Your Options

created an educational brochure titled Traditional Mortgages: Understanding Your
Options to assist consumers in making the best decision when considering 15- and
30-year and traditional adjustable-rate mortgages. This publication is also helpful to
individuals considering options for tapping into the equity in their homes.
38
availability

online
center/traditional_mortgages.html
National
Urban League
CO N TAC T
Please contact the individual staff contact for each program with questions.

Workshops designed to strengthen investor awareness in the African-American
community are presented by mutual fund industry professionals from Investment
Company Institute member companies.
contact

www.ici.org/i4s

Know Your Money, an economic empowerment program designed to teach AfricanAmerican professionals ages 21-40 personal money management strategies, consists
of a 3-class curriculum to help participants understand their attitudes about money,
develop a realistic household budget, and manage everyday financial tools. The
program is hosted by select National Urban League Young Professional chapters each
fall.
contact

www.nul.org/KYM

Foundation
WOW (With Ownership, Wealth) is for minority homebuyerseducation and products
homeownership as a means to obtain wealth by having equity in a home. Also has
information on credit counseling from the National Foundation for Credit Counseling.
contact
Paul Richman | 202.557.2899

39
Nationwide
Retirement Solutions
CO N TAC T
Louie Watson | 614.854.8895 | watsonL2@nationwide.com
The Three Little Pigs: A Financial Fairy Tale

Nationwide Retirement Solutions believes in retirement education for life. They are
also very concerned about the statistics surrounding childrens financial education.
Development of The Three Little Pigs: A Financial Fairy Tale is designed to be one step
toward helping children build a natural curiosity about financial planning at an early
age. Nationwide has adapted the well-known childrens fairy tale into a modern-day
financial lesson that teaches children the importance of balancing their spending,
saving and sharing. Spending Pig, Stingy Pig, Smart Pig and Mr. B.B. Wolfe are the stars
in the story that follows the 3 pigs as they manage and mismanage their money. The
full-color storybook, workbook full of suggested activities and other information can
be downloaded from the Web site. These materials can be shared in classrooms, with
youth groups, or as part of the curriculum for Take a Child to Work Day. In recognition
of the excellence of The Three Little Pigs program, the U.S. Conference of Mayors and
Nationwide Retirement Solutions received a 1st Place 2005 Eddy Award from Pensions
& Investments/Workforce Management.
online
40
www.nationwidekids.com
notes
41
PLEASE RECYCLE
National
Dollar Wi$e
Campaign
The United States
Conference of Mayors
1620 Eye Street NW
Washington, D.C. 20006
202.861.6759 | dollarwise@usmayors.org | dollarwiseonline.org

DollarWise Resource Book, 2007-08

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building strong foundations

The United States

Council for the New American City

MAYORS NATIONAL DOLLAR WI$E CAMPAIGN

Other Target Audiences

SECTION 2 of the Resource Book lists items by provider.

Countrywide Financial Corporation

Federal Reserve System

InCharge Education Foundation, Inc.

Mortgage Bankers Association

National Association of REALTORS

National Urban League

Nationwide Retirement Solutions

A Consumers Guide to Mortgage Lock-Ins

Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

A Consumers Guide to Mortgage Settlement Costs

Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

Consumer Handbook on Adjustable-Rate Mortgages (ARM)

| Basic information on an important and complex mortgage

English and Spanish

Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

The Countrywide Home Buyers Club

Brochure and education materials available in English or Spanish

2007_08 resource book

An Easy Guide to Buying a Home

Booklet available in English or Spanish

FHA Insured Mortgages

| The National Association of REALTORS and the

Mayors can receive 10 copies each free of charge, or purchase more

Wendy Penn, Housing Opportunity Program

H.O.M.E. (Home Ownership Mortgage Education)

House America Counseling Center

Home Affordability Chart

House America Counseling Center

Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

House America Counseling Center

Chart available in English only

countrywide financial corporation

House America Counseling Center

How to Avoid Predatory Lending

| The National Association of REALTORS and the

Mayors can receive 10 copies each free of charge, or purchase more

Wendy Penn, Housing Opportunity Program

2007_08 resource book

InCharge Guide to Homeownership

| The InCharge Guide to Homeownership is a

English and Spanish

Michelle Serrano | 407.532.5602

Looking for the Best Mortgage: Shop, Compare, Negotiate

English and Spanish

Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

MBAs Home Loan Learning Center

Paul Richman | 202.557.2899 | paul_richman@mbaa.org

MBAs Resource Center for Expanding Homeownership

Best Practices that provide models of successful partnerships.

Partnership Opportunities providing directories of potential partners including

Products and Programs providing innovative approaches to expanding

Research Resources and Library which assist in assessing market opportunities.

Paul Richman | 202.557.2899 | paul_richman@mbaa.org

Putting Your Home Loan on the Line Is Risky Business

English and Spanish

Jeff Smith | 202.452.2955 | Jeffrey.V.Smith@frb.gov

Specialty Mortgages: What Are the Risks and Advantages?