Be Smart Home Buying
With 500 Years Experience

ABC12 Interview

Smart Home Buyers as my thank you for visiting my site, please download one of the cartoons for your personal use. Hopefully these samples will help save your wallet and your sanity.

Pages: 376

Reference Materials

Over 50 booklets, web sites, books, agency addresses as reference sources.... many are free or have a nominal charge.

Note: Addresses and web sites were current at the time of publication. Not responsible for changes.

Dictionary of Real Estate Appraisal

The American Heritage Dictionary

Webster's Dictionary and Thesaurus

You Can Negotiate Anything - Herb Cohen

How to Estimate Building Losses and Construction Costs - Paul I. Thomas

Mortgage Terms - Mortgage Guaranty Insurance Corporation

How to Win Friends and Influence People - Dale Carnegie

Modern Carpentry - Willis Wagner

Evidence in Procedure for Boundary Location - Curtis L. Brown and Winfield Eldridge

BOCA Code Books

Great Lakes Realty Systems, Inc. Continuing Education Manual

100 Q&A about Buying a New Home

U.S. Dept. of Housing and Urban Development, 19209 P. Chennault Way, Box 8, Gaithersburg, MD 20879-1786

Buying Your Home: Settlement Costs and Helpful Information

U.S. Department of Housing and Urban Development (HUD), 451 7th Street, SW, Washington, DC 20410
Web site

Fannie Mae Foundation, P.O. Box 1810, Aurora, IL 60507-9806
Web site:

  1. Opening the Door to a Home of Your Own (Free)
  2. Knowing and Understanding Your Credit
  3. Choosing the Mortgage That's Right for You
  4. Borrowing Basics: What You Don't Know Can Hurt You


Testing For Mold - Minnesota Department of Health

A Brief Guide to Mold, Moisture and Your Home 

Web site: 

U.S. Environmental Protection Agency's (EPA) Indoor Air Quality 
Web sites:

Questions and Answers on Stachybotrus chartarum and other molds 

Centers for Disease Control and Prevention (CDC), National Center for Environmental Health
Web site:

Minnesota Department of Health
Web sites: --

California Department of Health Services, Environmental Health Investigations Branch
Web sites:

Consumer Information on Home Purchasing and Related Topics
U.S. Department of Housing and Urban Development (HUD), 451 7th Street, SW, Washington, DC 20410
Web site:

For information about FHA-Insured home mortgage loans on one-to-four family dwellings call: 1-800-CALL FHA (800-225-5342)

For information about buying a HUD home call: 1-800-767-4HUD (800-767-4483)

For consumer counseling referrals call: 1-888-HOME4US (1-888-466-3487)

For Information regarding housing discrimination issues contact: 1-800-669-9777
Web site:

For information about RESPA contact: Office of Consumer and Regulatory Affairs (see above HUD address)
Web site:

Other Agencies:

For information about programs and pamphlets offered by the Department of Veterans Affairs, contact your nearest VA Regional Office.
Web site:

For information about rural housing loan programs contact: Department of Agriculture Rural Development/Rural Housing Services, Stop 0783, Washington, DC 20250
Web site:

Septic System References/Michigan State University Extension Service

On-site Domestic Sewage Disposal Handbook, MWPS-24, Midwest Plan Services
Request from Department of Agricultural Engineering, Michigan State University ($6)

Septic Tank Systems: A Homeowner's Guide
Michigan Environmental Health Association
Web site:

So... Now You Own a Septic System

Groundwater Protection and Your Septic System

These and several additional on-site waste disposal publications, National Small Flows Clearinghouse
Web site:

Onsite Works! An Introduction to Decentralized Wastewater Treatment System
Housing Education and Research Center (HERC) at Michigan State University
Web site:

Several bulletins on septic systems are available in Michigan State University Extension's WQ (water quality) bulletin series. Contact your local MSUE office, or the MSU Bulletin Office, 10-B Agriculture Hall, MSU, East Lansing, MI 48824-1039
Web site:

These bulletins include:

Home "A" Systems (WQ-51)

Managing Shorelines to Protect Water Quality (WQ-52)

What to Do if Your Septic System Fails (WQ-14)

Buying or Selling a Home? What to Find out about Your Water and Septic Systems

How to Conserve Water in Your Home and Yards (WQ-16)

Managing Your Septic System (WQ-39)

Copyright © 2005 Richard C. Smith