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HUD   >   Topic Areas   >   Owning a Home
Owning a Home

Owning your own home is the American Dream…but you need to be prepared for its challenges. These tips, tricks, and other information can help make your experience as a homeowner a little easier.

Maintaining and Improving Your Home

- HUD programs- HUD has a number of programs that may help you with home improvements
- Home maintenance and repair- great index of "how to's" from repairing leaky faucets to getting ketchup out of carpet
- Specially adapted housing program at the Veterans Administration

Energy and Your Home Environment

- Make your home energy efficient with the Energy Star program
- Home energy saver- find the best ways to save energy in your home
- Consumer Energy Information from the Department of Energy

Paying Your Mortgage

- Escrow accounts - in most cases, part of your monthly mortgage payment goes into an escrow account. Know what to expect
- Having trouble with your FHA lender?- HUD's National Servicing Center may be able to help you

Refinancing

- Should I refinance?- this simple calculator can help you see if refinancing is right for you
- Predatory Lending- don't be a victim of unscrupulous lending practices

Reverse Mortgages

Manufactured Homes

Disaster relief

Selling Your Home

Selling your home can be exciting, but it also takes work. You’ll need to fix all those little problems you’ve let go for so many years. You need to decide if you’re going to try to sell your own home or use a professional real estate broker. And you’ll need to be patient! Selling your home can take some time, depending on your local real estate market.

Learn about the process and the pitfalls of selling your home, before you begin. Here are just some of the resources available.

Related Links

- At home and in the garden… tips from the federal environmental agency