Helpful Organizations & Websites
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Housing Education Coalition of Utah (HECU): The mission is to develop and promote homeownership programs, products and services for individuals throughout the state of Utah and to insure that all Utah residents have access to homebuyer education that adheres to a standardized curriculum and is taught by a nationally certified homebuyer education counselor. www.hecutah.org
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Better Business Bureau of Utah: An ethical marketplace where buyers and sellers trust each other. 800-456-3907, www.bbb.org
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Utah NAHRO National Association of Housing Redevelopment Officials: The Mission of NAHRO is to enhance the opportunity for every Utahan to acquire affordable, decent, and safe housing in a viable community. www.utahnahro.org
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Utah Against Hunger: Utahans Against Hunger works to reduce and eliminate hunger
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Utah Legal Services: To promote legal services to low income clients and those 60 years of age or older regardless of income on civil legal matters. 800-662-4245, www.andjusticeforall.org/uls/
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Utah Division of Consumer Protection: State agency on consumer protection. 800-721-safe, http://consumerprotection.utah.gov/
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Fight Identity Theft: www.fightidentitytheft.com
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Utah Division of Occupation and Professional Licensing: The mission of DOPL is to safeguard the public health, safety and welfare and to enhance commerce through licensing and regulation. 866-275-3675, http://www.dopl.utah.gov/index.html
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Utah Division of Real Estate: The mission of the Utah Division of Real Estate is to protect the public through education, licensure and regulation of real estate, mortgage and appraisal professionals. 801-530-6747, http://realestate.utah.gov/index.html
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Utah Mortgage Lenders Association: Mortgage consumers should be confident knowing that as a UMLA member you will represent them well. Our association admonishes our members to adhere to a higher level of ethics and business practices. Belonging to this association proves you are dedicated to your profession and that you are striving to excel. http://www.umla.org/
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Utah Housing Corporation: The Utah Housing Corporation provides resources for affordable housing. UHC provides mortgage monies to qualifying first time homebuyers as well as resources to developers building or renovating affordable apartment projects. 801-902-8200, www.utahhousingcorp.org
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Perfect Home Living: Perfect home living Inc is a nonpartisan nonprofit committed to real estate fraud research and establishing policy that prevents fraud from continuing within the real estate industry. 801-560-2508, www.perfecthomeliving.com
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AARP: American Association of Retired Persons Information on issues affecting individual’s age 50 and older. Special section on housing issues including reverse mortgages and predatory lending. 1-866-448-9616, www.aarp.org/states/ut
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Department of Housing & Urban Development (HUD): www.hud.gov. Tips for avoiding Foreclosure http://www.hud.gov/foreclosure/
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HOPE NOW Alliance: HOPE NOW is an alliance between counselors, servicers, investors, and other mortgage market participants. This alliance will maximize outreach efforts to homeowners in distress to help them stay in their homes and will create a unified, coordinated plan to reach and help as many homeowners as possible. The members of this alliance recognize that by working together, they will be more effective than by working independently. www.hopenow.com, 1-888-995-HOPE HOPE Hotline
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Credit Bureaus: A credit bureau gathers information about how consumers use credit. In other words, they collect information from as many consumer financial transactions or inquiries as they can. They then sell access to that combined information to anyone who has a legally-recognized reason (permissible purpose). Experian: 1-888-397-3742 www.experian.com, Equifax 1-800-685-1111 www.equifax.com, TransUnion 1-800-888-4213 www.transunion.com *Each year you are eligible for a free credit report from each credit bureau
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Department of Veterans Affairs – VA: Specific information for individuals who are veterans of military service. Information on housing, VA loans, medical benefits, VA/Government employment information and special programs for veterans. www.va.gov
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ID Theft: Identify theft is becoming a huge problem in the United States. Everyone is encouraged to be alert to the use of their social Security Number. The Federal Trade Commission has developed a website to help educate everyone on this growing problem. www.consumer.gov/idtheft
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Federal Trade Commission: Consumer information site highlight and reviews of consumer fraud, waste and abuse. www.ftc.gov
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United States Rural Development: Rural Development provides information about home loans and grants in rural American. www.rurdev.usda.gov
