Free Resources
Free Resources for Home Buyers & Renters
A curated collection of trusted, free resources to help you navigate the home buying process and make informed financial decisions.
Current Rates & Market Data
- Freddie Mac — Weekly Mortgage RatesOfficial 30yr/15yr average rates, updated weekly
- Bankrate — Today's RatesLive rates from multiple lenders
- FRED — Historical Rate Chart30-year rate history since 1971
- Zillow Home Value IndexMedian home values by city/zip
- Redfin Data CenterMarket trends, median prices, days on market
- Realtor.com ResearchHousing market reports and forecasts
Education & Guides
- CFPB — Owning a HomeGovernment guide to the entire home buying process
- HUD — Buying a HomeFederal housing resources & counseling
- NerdWallet — Home Buying ChecklistStep-by-step first-time buyer guide
- Investopedia — Mortgage GuideComprehensive mortgage education
- Fannie Mae — Homebuyer EducationFree courses on home ownership
- CFPB — Mortgage ToolsRate checker, loan comparison, closing checklist
Down Payment & Assistance
- Down Payment ResourceFind assistance programs in your area
- HUD — Local ProgramsState & city first-time buyer programs
- FHA Loans (3.5% down)Low down payment government-backed loans
- VA Loans (0% down)For veterans & active military — no down payment
- USDA Rural Loans (0% down)No down payment for eligible rural areas
- FDIC — Affordable Mortgage ProgramsBank programs for low-to-moderate income buyers
Pro tip: Get pre-approved before house hunting. It shows sellers you are a serious, qualified buyer and helps you know your exact budget. Most pre-approvals are free and take 15-30 minutes online. Shop at least 3 lenders — rate differences of even 0.25% can save you thousands over the life of the loan.