Homebuyer Resources

First Time Home Buyer Programs - New York
The State of New York Mortgage Agency (SONYMA) offers mortgage programs and credit certificates to assist first-time homebuyers.
First Time Home Buyer and Other Home Loan Programs - Nevada
The Nevada Housing Division assists low and moderate income families with various home ownership programs across the state.
First Time Home Buyer and Other Home Loan Programs - Oregon
Oregon Housing and Community Services provides affordable housing and supportive services for low income Oregonians.
How Much Mortgage Can I Afford?
Reasonable planning to successfully afford a suburban house, urban condo, or rural ranch.
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Rules For Independent Contractors Using Migrant Workers
Nectarines_thRules for independent contractors hiring migrant works from the MSPA.
Federal Laws Do Apply to Homeowner Associations
Flag_thA summary of the Federal laws which apply to HOAs including Equal Employment Opportunity, Fair Housing, and FCC regulations
Child Safety Seats (Car Seats)
CarseatthumbSafety belts are designed for adults, and children under 4 feet 9 inches tall should ride with a booster seat.
Child Abuse and Neglect
Bear_thStatistics on child abuse and its effects on children.

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