Additional Resources

 

 

If you decided to purchase your own home, are in the process of doing so, or concluded that homeownership isn’t right for you just now, we hope that this manual has been a helpful tool for you. In addition to the information contained within, there are numerous printed materials available on topics related to homeownership, personal futures planning, community participation, financing, home maintenance and repair, home inspections, self-advocacy, budgeting, and mortgage loans.

 

There are also a number of organizations available that offer technical assistance in the areas of person-controlled housing and assistance. Many of these groups may be able to help with questions by phone and can serve as valuable resources for people considering the purchase of a home. Some groups have produced helpful publications and offer information via the Internet. You may call them with questions or write to them for lists of their publications. The organizations are listed, followed by a list of publications arranged by topic.

 

Finally, books that relate to buying a home are available at most public libraries. Ask your librarian to help you find them.

 

Organizations

 

ABLEDATA

Phone: 800-227-0216

Web site: http://www.abledata.com/index.htm

 

ABLEDATA is a national database of information on assistive technology and rehabilitation equipment available from domestic and international sources. ABLEDATA contains information on more than 23,000 assistive technology products, from white canes to voice output programs. The database contains detailed descriptions of each product including price and company information. The database also contains information on non-commercial prototypes, customized, and one-of-a-kind products, as well as do-it-yourself designs.

 

American Association of University Affiliated Programs

8630 Fenton Street, Suite 410

Silver Spring, MD 20910

Phone: 301-588-8252

 

The American Association of University Affiliated Programs is the member association of UAP’s nationwide. Contact the association for information on national policy issues and to access the location of the UAP in your state.

 

ADAPT

American Disabled for Attendant Programs Today

National Headquarters

P.O. Box 9598

Denver, CO 80209

Phone: 303-333-6698

Web site: http://www.adapt.org

 

ADAPT promotes federal funding of personal assistance services for people with disabilities and the elderly in an effort to decrease the number of people in nursing homes. There are state and local chapters throughout the country. ADAPT will provide information regarding personal assistance services and funding.

 

The Arc of the United States, National Headquarters

500 East Border Street, Suite 300

P.O. Box 1047

Arlington, TX 76004

Toll-Free InfoLine: 800-433-5255

Phone: 817-261-6003

TDD: 817-277-0553

E-mail: thearc@metronet.com

Web site: http://TheArc.org//welcome.html

 

The Arc is an association that works on national, state, and local levels to promote services, research, and public understanding for individuals with mental retardation. It provides general information, refer inquiries to state and local Arc's throughout the country, and has an extensive publications list.

 

AZtech, Inc.

Web site: http://cosmos.ot.buffalo.edu/aztech.html

 

AZtech is operated by the Rehabilitation Engineering Research Center on Technology Evaluation and Transfer. AZtech, Inc., stands for A to Z assistive technology. The Web site serves as a clearinghouse on information related to assistive technology.

 

Center for Cooperative Housing (CCH)

1614 King Street

Alexandria, VA 22314

Phone: 703-684-3185

 

The Center for Cooperative Housing assists people to organize cooperative housing efforts. This is the sister organization to the National Association of Housing Cooperatives, which is a membership organization of housing cooperatives.

 

The Center for Universal Design

School of Design

North Carolina State University

Box 8613

Raleigh, NC 27695-8613

Phone: 919-515-3082 Voice and TDD

Fax: 919-515-3023

800-647-6777 Info Requests

E-mail: cud@ncsu.edu

Web site: http://www2.ncsu.edu/ncsu/design/cud/

 

The Center for Universal Design is a national center that evaluates, designs, and promotes accessible design in buildings. The Center has a number of publications and educational materials available, and provides information and technical assistance to people with disabilities nationwide.

 

CoHousing Network

P.O. Box 2584

Berkeley CA 94702

Phone: 510-526-6124

 

The Network provides general information about co-housing. It publishes the Journal of the CoHousing Network and will provide information on subscriptions and sample issues as a part of its informational packet. A subscription includes an annual national list of co-housing contacts, back issues, as well as a resource list of related publications.

 

Communitas, Inc.

730 Main Street

Manchester CT 06040

Phone: 203-645-6976

 

Communitas, Inc., provides networking, educational materials, conducts seminars and conferences, and spearheads creative projects concerning the full participation of children and adults with disabilities in community life.

 

 

Community Information Exchange

1029 Vermont Avenue, NW, Suite 710

Washington, DC 20005

Phone: 202-628-2981

 

This national non-profit organization helps urban and rural communities with in-depth information on strategies and resources for affordable housing and community development. Resources include funding information, case study examples, providers of technical assistance, bibliographic resources, and sample documents.

 

Connections for Information and Resources on Community Living (CIRCL)

P.O. Box 1168-881

Studio City, CA 91604

Phone/Fax: 818-752-7484

Web site: http://www.napanet.net/business/personal/CIRCL/CIRCL.html

 

CIRCL's mission is to create opportunities for building and sharing individual, organizational, and community strengths in supported living. CIRCL creates opportunities through mentoring, developing networks, training, and information dissemination.

 

Council of State Administrators of Vocational Rehabilitation

P.O. Box 3776

Washington, DC 20007

Phone: 202-638-4634

 

Connects to state agencies established to provide consultation, counseling, professional and educational rehabilitation and training for people with mental and physical disabilities. The agencies are part of state government and generally reside in the state capital. Additional services in some states include residential services, independent living programs, and recreation services. Financial assistance for home accessibility modifications is often dispensed through this agency.

 

 

Department of Biomedical and Human Factors Engineering

College of Engineering and Computer Science

Wright State University

Dayton, Ohio 45435

Phone: 937-775-5044

Web site: http://www.cs.wright.edu/bhe/rehabengr

 

The Biomedical and Human Factors Engineering at the College of Engineering and Computer Science at Wright State University provides access to information about what rehabilitation engineers do in service delivery. They provide a list of rehabilitation engineers around the United States.

 

Eastern Paralyzed Veterans Association

75-20 Astoria Blvd.

Jackson Heights, NY 11370-1177

Phone: 718-803-3782

Fax: 718-803-0414

Web site: http://www.epva.org

 

Eastern Paralyzed Veterans Association (EPVA) is an organization dedicated to enhancing the lives of veterans with spinal cord injury or disease by assuring quality health care, promoting research, and advocating for civil rights and independence. It offers programs in administration, advocacy, architecture, assistive technology, benefits, legal affairs, library & information services, public affairs, research & education, sports & recreation, and wheelchair repair. EPVA's architecture program prepares barrier-free plans for members, government agencies, and local businesses.

 

Estate Planning for Persons with Disabilities, Inc.

P.O. Box 8129

The Woodlands, Texas 77287

Phone: 281-364-7211

Fax: 281-367-6643

Web site: http://members.aol.com/Stemark/index.html

 

The purpose of Estate Planning for Persons with Disabilities, Inc., is to assist families who have a member with a disability to prepare estate and financial planning. Free information is available on: special needs trusts, guardianship, lifetime budgeting, and government benefits.

 

 

Evan Kemp and Associates

9151 Hampton Overlook

Capital Heights, MD 20743

Phone: 301-324-0118 (voice/TTY)

Fax: 301-324-0121

Web site: http://disability.com/index.html

 

Evan Kemp and Associates produces One Step Ahead, a newspaper that provides tips about products, clubs, people, services, and conferences. The newspaper includes information on legal briefs, new products on the market, sports, travel, health, wellness, research, computers, technology, business, employment, and Washington politics.

 

Fair Housing Information Clearinghouse

P.O. Box 9146

McLean, VA 22102

Phone: 800-343-3442

Fax: 703-821-2098

 

The Fair Housing Information Clearinghouse provides educational materials, a newsletter, advertising materials, regulations, reports, and documents on fair housing; information and materials developed under HUD's fair housing programs; and referrals to additional sources of information. The clearinghouse is particularly useful for those seeking fair treatment in obtaining rental housing.

 

Federal National Mortgage Association (Fannie Mae)

3900 Wisconsin Avenue, NW

Washington, DC 20016

Phone: 800-732-6643

Web site: http://www.fanniemae.com

 

Fannie Mae is a private, shareholder-owned company that works to ensure that mortgage money is available for people in communities all across America. Fannie Mae does not lend money directly to home buyers, but provides a constant source of mortgage funds by investing in the mortgages lenders create. HomeChoice and other affordable mortgage products for low- and moderate-income households are part of Fannie Mae’s Trillion Dollar Commitment, announced in March 1994, to provide $1 trillion in targeted home lending funds for ten million families by the end of the decade. Contact Fannie Mae toll free for information on many topics related to purchasing a home.

 

 

U.S. Department of Housing and Urban Development (HUD)

Library and Information Services

HUD Building

Washington, DC 20410

Web site: http://www.hud.gov

 

HUD's homeownership opportunities and home improvement programs are available to individual households through state and local agencies or organizations. HUD also investigates housing-related discrimination complaints filed with their offices. The following numbers will provide general information about HUD programs.

 

Phone: 202-708-1420. Call to obtain general information on HUD programs, referral to regional HUD offices, a listing of field offices on specific topics, and information on most HUD publications.

 

Phone: 800-767-4483. The HUD Home Hot Line offers a free brochure with step by step information on how to buy a competitively priced HUD-owned home.

 

Phone: 800-733-4663. Call to obtain information about the Title 1 Program: the Federal Housing Administration (FHA) mortgage insurance program.

 

Phone: 800-669-9777. Call to contact the HUD Housing Discrimination Hot Line.

 

Phone: 202-401-7991. Call to contact the HUD Office on Disability Policy.

 

Independent Living Research Utilization (ILRU)

Research & Training Center on Independent Living at

The Institute for Rehabilitation and Research (TIRR)

2323 S. Shepherd, Suite 1000

Houston, TX 77019

Phone: 713-520-0232

TDD: 713-520-5136

Web site: http://www.bcm.tmc.edu/ilru

 

ILRU was established to improve the management effectiveness in independent living centers (ILC's) throughout the country through research and training. The center provides technical assistance and publications, including The Directory of Independent Living Programs that lists ILC's nationwide. The directory is updated monthly. You may also call to obtain the name and address of the independent living center located near you.

 

 

Independent Living - USA

Web site: http://www.ilusa.com

 

Independent Living USA is an organization that offers information on the Internet on issues affecting individuals with disabilities. The Web site includes links for health and medicine, advocacy, employment and economic opportunity, and periodicals and magazines.

 

Institute for Community Economics

57 School Street

Springfield, MA 01105-1331

Phone: 413-746-8660

 

Institute for Community Economics acts as a resource for land trust start-ups and publishes a newsletter. They will provide referrals to nearby land trusts for additional assistance.

 

Institute on Community Integration (UAP)

University of Minnesota

109 Pattee Hall

150 Pillsbury Drive, SE

Minneapolis, MN 55455

Phone: 612-624-4512

Fax: 612-624-9344

Web site: http://www.ici.coled.umn.edu/ici

 

The mission of the Institute on Community Integration is to improve the quality and community orientation of professional services and social supports available to individuals with disabilities and their families. Contact the Institute for technical assistance or to request a publications list.

 

Mortgage Bankers Association of America

1125 15th Street, NW

Washington, DC 20005-2766

Phone: 202-861-6500

Fax: 202-822-6320

 

A membership institution involved in real estate finance, this organization conducts seminars and workshops in specialized areas of mortgage finance. The Association offers over-the-phone help with a variety of home finance questions.

 

 

National Association of Developmental Disabilities Councils

Suite 103

1234 Massachusetts Avenue, NW

Washington, DC 20005

Phone: 202-347-1234

Fax: 202-347-4023

 

and

 

The Consortium of Developmental Disabilities Councils

2971 Crescent Shore Drive

Traverse City, MI 49684

Phone/Fax: 616-922-2995

 

The National Association of Developmental Disabilities Councils and the Consortium of Developmental Disabilities Councils are the member associations of the 50 state councils. Contact these associations to learn about council activities nationwide and for the location of your state council.

 

National Association of State Directors of Developmental Disabilities Services (NASDDDS)

113 Oronoco Street

Alexandria, VA 22314

Phone: 703-683-4202

Fax: 703-684-1395

 

The Association furnishes member states with a steady stream of information about the latest developments in congressional legislation, federal regulations, and litigation affecting programs for persons with developmental disabilities. The Association also represents the views of state MR/DD program officials within the halls of Congress and among federal agencies.

 

 

National Council on Disability

Suite 1050

1331 F Street, NW

Washington, DC 20004

Phone: 202-272-2004

Fax : 202-272-2022

TTY: 202-272-2074

Web site: http://ncd.gov

 

NCD is an independent federal agency that makes recommendations to the President and Congress on issues affecting 54 million Americans with disabilities. NCD is composed of 15 members appointed by the President and confirmed by the U.S. Senate. NCD's overall purpose is to promote policies, programs, practices, and procedures that guarantee equal opportunity for all individuals with disabilities, regardless of the nature or severity of the disability; and to empower individuals with disabilities to achieve economic self-sufficiency, independent living, and inclusion and integration into all aspects of society.

 

National Council on Independent Living (NCIL)

Suite 405

2111 Wilson Blvd.

Arlington, VA 22201

Phone: 703-525-3406

TDD: 703-525-3409

Fax: 703-525-3407

E-mail: ncil@tsbbs02.tnet.com

 

The National Council on Independent Living is the national membership association of centers for independent living and people with disabilities. NCIL's mission is to promote a national advocacy agenda that advances the full integration and participation of persons with disabilities in society. NCIL refers inquiries to local independent living centers and provides information on national policy developments that affect people with disabilities. Contact NCIL for information on IL NET, membership, or to receive a quarterly newsletter.

 

National Council of State Housing Finance Agencies

Suite 438

444 North Capitol Street, NW

Washington, DC 20001

Phone: 202-624-7710

 

This is a national membership association of State Housing Finance Agencies. Contact this organization to learn about national policy issues or for the location of the housing finance agency in your state.

 

National Foundation for Affordable Housing

11200 Rockville Pike

Rockville, MD 20852

Phone: 301-468-3100

 

This foundation works to maintain the existing stock of affordable housing and encourages the development of new affordable housing through public/private partnerships.

 

National Guardianship Association

1604 North Country Club Road

Tucson, AZ 85716

Phone: 520-881-6561

Fax: 520-325-7925

Web site: http://www.guardianship.org

 

The National Guardianship Association provides educational, training, and networking opportunities for guardians and surrogates. Its mission is to promote values, standards, and ethics and to ensure a national standard of excellence.

 

National Home of Your Own Alliance

c/o The Center for Universal Design

North Carolina State University

Box 8613

Raleigh, NC 27695-8613

Fax: 919-515-3023

Toll-free InfoLine: 800-220-8770

Web site: http://alliance.unh.edu

 

The National Home of Your Own Alliance is a national information and technical assistance center. It is a place to get direction and information about homeownership and control for people with disabilities. The Alliance is funded by the U.S. Administration on Developmental Disabilities through a cooperative agreement with the Institute on Disability at the University of New Hampshire. The Alliance’s toll-free information and referral phone line provides general information about Alliance activities. Technical assistance in accessible and universal design and home modifications is also available through the InfoLine. Call for a complete publications list.

 

 

National Housing Institute (NHI)

439 Main Street

Orange, New Jersey 07050

Phone: 201-678-3110

 

The National Housing Institute is a non-profit organization that provides information and resources that contribute to community development and the creation and preservation of decent, affordable housing for all people. Shelterforce is the six times-per-year publication of NHI.

 

National Institute on Life Planning for

Persons with Disabilities

P.O. Box 5093

Twin Falls, ID 83303-5093

Phone: 208-735-8556

Fax: 208-735-8562

Web site: http://www.sonic.net/nil

 

The National Institute on Life Planning for Persons with Disabilities is a national organization dedicated to promoting transition, life, and person-centered planning for persons with disabilities and their families. It provides information on transition, life, and person centered planning, government benefits, advocacy, guardianship, aging, housing, and supported employment.

 

National Low Income Housing Coalition

1012 14th Street, NW, Suite 1200

Washington, DC 20005

Phone: 202-662-1530

Fax: 202-393-1979

Web site: http://www.nlihc.org

 

The National Low Income Housing Coalition/NLIHC is an organization dedicated to ending America's affordable housing crisis. The NLIHC is committed to educating, organizing, and advocating to ensure decent, affordable housing. NLIHC provides up-to-date information, formulates policy, and educates the public on housing needs and strategies for solutions.

 

 

Neighborhood Reinvestment Corporation (NRC)

607 Boylston Street, 5th Floor

Boston, MA 02116

Phone: 617-450-0410

 

The Neighborhood Reinvestment Corporation (NRC) is a national organization with nine regional offices and 180 affiliated organizations in 150 cities around the country, including eight mutual housing associations. The organization promotes affordable housing, and community and economic development. The Boston office of NRC provides information and technical assistance for mutual housing associations around the issues of resident participation, property management, and real estate development. Write or call for information and free publications, as well as lists of for-sale publications.

 

New York State Future Care Planning Clearinghouse

Bronx Independent Living Center

3525 Decatur Avenue

Bronx, NY 10467

Phone: 718-652-3469

Fax: 718-515-2844

TTY: 718-515-3803

Web site: http://www.nysfcpc.org/index.html#TOP

 

The Future Care Planning Clearinghouse provides information regarding future care planning for persons with developmental disabilities and mental illnesses and their families in New York State. The Clearinghouse assists persons with disabilities and their families by providing referrals to persons, organizations, and agencies with expertise in future care planning. They also maintain a library and database with information including: general information on disabilities, financial options, housing, and independent and supported living resources. The Clearinghouse has articles on these and other topics for people with disabilities and their families. Publications are available in Spanish, large print format, audio tape, and/or audio visual versions.

 

 

The President's Committee on Mental Retardation (PCMR)

U.S. Department of Health and Human Services

Administration for Children and Families

Hubert H. Humphrey Bldg., Room 352G

200 Independence Avenue, SW

Washington, DC 20201-0001

Phone: 202-619-0634

Fax: 202-205-9519

E-mail: pcmr@acf.dhhs

Web site: http://www.acf.dhhs.gov/programs/pcmr

 

The PCMR acts in an advisory capacity to the President and the Secretary of Health and Human Services on matters relating to programs and services for persons with mental retardation. Since 1974, the Committee has organized national planning, stimulated development of plans, policies, and programs, and advanced the concept of community participation in the field of mental retardation. The Committee conducts forums and has numerous publications that address the field of mental retardation including the needs, interests, concerns, and quality of life experienced by citizens with mental retardation. Request PCMR's extensive publications list.

 

Research and Training Center on Community Integration

Center on Human Policy

Syracuse University

200 Huntington Hall

Syracuse NY 13244-2340

Phone: 315-443-3851

 

The Center on Human Policy at Syracuse University, through its Research and Training Center on Community Integration, distributes a variety of reports and resources on the integration of people with severe disabilities into community life. Call or write for a complete listing of their publications.

 

Rural Housing and Community Development Service (RHCDS)

(formerly, the Farmer's Home Administration)

U.S. Department of Agriculture

14th and Independence Avenue, SW

Washington, DC 20250

Phone: 202-720-4323

 

RHCDS offers financial assistance to apartment dwellers and homeowners in rural areas. Specific housing programs include the Rural Rental Housing Program and Rural Housing Preservation Grants Program. The RHCDS has regional and local offices that serve all fifty states, DC, and Puerto Rico.

 

Self-Determination Project

The Concord Center

10 Ferry Street

Concord, NH 03301

Phone: 603-228-0602

Fax: 603-228-3270

Web site: http://iod.unh.edu/projects/rwj.html

 

The Robert Wood Johnson Foundation's National Program on Self-Determination for Persons with Developmental Disabilities provides funds to 19 states to carry out self-determination activities. The program office is part of the Institute on Disability at the University of New Hampshire. The office makes available financial resources, technical assistance, and training support in self-determination. Several monographs, a video, an introduction to self-determination, and a National Public Radio broadcast are available.

 

Social Security Administration (SSA)

6401 Security Boulevard

Baltimore, MD 21235

Toll-free: 800-772-1213 (general information and publication)

Toll-free TTY: 800-325-0778

Web site: http://www.ssa.gov

 

SSA administers and directs all social security benefits programs including Supplemental Security Income, that provides social security benefits for the elderly and people with disabilities (SSI), and Social Security Disability Insurance (SSDI). The PASS and IWRE programs may help individuals who want to own and control their own home. The toll-free phone number allows individuals to order publications covering numerous programs. The toll-free phone number can also refer inquiries to the ten regional Social Security Administration offices, as well as local offices located in major cities throughout the country.

 

TASH

29 West Susquehanna Avenue, Suite 210

Baltimore, MD 21204

Phone: 410-828-8274

TDD: 410-828-1306

Fax: 410-828-6706

Web site: http://www.tash.org/tashhome.htm

 

A membership organization of people with disabilities, families, friends, professionals, and service providers that seeks to ensure an autonomous and dignified lifestyle for all people with severe disabilities. TASH provides information and referral services. They provide referrals to regional and local TASH chapters throughout the country.

 

United Cerebral Palsy Associations (UCPA)

1522 K Street, NW, Suite 1112

Washington, DC 20005

Toll-free InfoLine: 800-872-5827

Phone: 202-842-1266

Web site: http://www.ucpa.org

 

UCPA has a national network of over 170 local affiliates throughout the United States. The national office's toll-free phone line provides information and referral on legislative and advocacy issues and services throughout the country.

 

World Institute on Disability

510 16th Street, Suite 100

Oakland, CA 94612-1502

Phone: 510-763-4100

TDD: 510-208-9493

Fax: 510-763-4109

 

The World Institute on Disability is a nonprofit public policy center dedicated to the promotion of independence and full inclusion in society of people with disabilities. Contact the Institute for information and a publications list.

 

 

Publications

 

A number of pamphlets and booklets on how to buy and maintain a house are available free or at minimal cost from the U.S. government. A partial listing follows:

 

General

 

A Home Buyer's Guide to Environmental Hazards. Discusses possible consequences of exposure to radon, asbestos, lead, hazardous wastes, ground water contamination, and formaldehyde. 41 pp. (1990).

 

Home Buyer's Vocabulary. Defines words and terms used in real estate transactions. 14 pp. (HUD, 383-H9).

 

To the Home-Buying Veteran: A Guide for Veterans Planning to Buy or Build Homes with a VA Loan. (VA Pamphlet 26-6, 1994).

 

Wise Home Buying. Includes how to shop for a house, when to use a broker, inspection procedures, and shopping for a mortgage. 24 pp. (HUD, 267-H5).

 

 

Financing

 

A Consumer's Guide to Mortgage Lock-Ins. How you may lock in interest rates and points when applying for a mortgage. 14 pp. (FRB, 1995).

 

Consumer Handbook on Adjustable-Rate Mortgages. Basic features, advantages, risks, and terminology associated with ARMs. 25 pp. (FRB/OTS, 1995).

 

Guide to Single-Family Home Mortgage Insurance. Explains the basic provisions of the major FHA insurance program. 28 pp. (HUD, 1235-HK).

 

Home Mortgages: Understanding the Process and Your Rights. Describes the home buyer's responsibilities regarding the application and credit evaluation stages and legal protections. 4 pp. (FRB, 1995).

 

The Mortgage Money Guide: Creative Financing for Home Buyers. Explains many of the new financing alternatives available to home buyers today. 16 pp. (FTC, 1989).

 

VA-Guaranteed Home Loans for Veterans. Must reading if you are eligible for a VA loan. (VA Pamphlet 26-4, 1995).

 

Closing

 

Settlement Costs: A HUD Guide. Provides an overview of the home-buying process with special emphasis on closing costs. Lenders are required to give this booklet to home buyers when they apply for a mortgage loan. 45 pp. (HUD, 1989).

 

After the purchase

 

Pointers for the Veteran Homeowner: A Guide for Veterans Whose Home Mortgage is Guaranteed or Insured Under the GI Bill. Valuable information for all homeowners. (VA Pamphlet 26-5, 1992).

 

Simple Home Repairs Inside. Easy step-by-step directions with pictures of how to repair or replace doors, faucets, plugs, windows, screens, tiles, etc. 24 pp. (USDA), 1986.

 

When You Move: Your Rights and Responsibilities. Interstate moving companies must furnish this booklet to their customers. 22 pp. (ICC, 1983).

 

 

Money management and credit

 

Consumer Handbook to Credit Protection Laws. Discussion of consumer's rights with respect to the uses of credit. 44 pp. (FRB, 1993).

 

A Consumer's Guide to Mortgage Refinancing. What the costs are and how to tell if the time is right to refinance your home. 8 pp. (FRB, 1995).

 

Equal Credit Opportunity and Age: Your Rights. What a creditor may and may not consider when determining your credit worthiness. 5 pp. (FDIC, 1987).

 

Fair Credit Reporting Act. How to check the data in your credit file and what to do if it's incorrect. In English and Spanish. 7 pp. (FDIC, 1987).

 

Financial Institutions: Consumer Rights. Covers federal laws on banking, credit, and home buying; lists regulatory agencies to contact with complaints. 12 pp. (FFIEC, 1990).

 

Money Matters. Tips for selecting the best real estate broker or lawyer at an agreeable price. 13 pp. (FTC, 1986).

 

The Principles of Managing Your Finances. How to assess your current financial status, set goals, and develop and carry out a budget. 43 pp. (USDA, 1987).

 

When Your Home Is On the Line: What You Should Know About Home Equity Lines of Credit. How to find the best deal if you plan to use your home as collateral for a home equity loan. 16 pp. (FRB, 1995).

 

Special types of housing

 

Mobile homes

How to Buy a Manufactured Home. Discusses selection, site preparation, transportation, and installation of mobile homes. 23 pp. (FTC, 1986).

 

Questions and Answers on Manufactured Home Loans for Veterans. (VA Pamphlet 26-71-1, 1989).

 

Financing Manufactured Homes. (HUD-265-H10).

 

Condominiums

Questions About Condominiums: What to Ask Before You Buy. A consumer guide for condominium buyers. (HUD-365-H8).

 

 

How to order these booklets

 

Most of the publications listed above are available for a small charge through the federal government's Consumer Information Center. To order these or other free and low-cost publications, request a Consumer Information Catalog by writing to the Consumer Information Center, P.O. Box 100, Pueblo, Colorado 81002.

 

VA publications may be requested from your nearest Veterans Administration regional office. FHA/HUD brochures are available from your nearest HUD regional field office.

 

Home purchase/financing/ownership

 

Mortgage Loans: What's Right for You? Bridges, James E., 1994, Cincinnati, Ohio: Betterway Books. 144 pp. This book describes the advantages and disadvantages of various types of mortgage loans. Included is information on private mortgage insurance, closing costs, prepaid items, and loan qualification. $14.95 plus shipping and handling.

 

Available from:

Betterway Books

1507 Dana Avenue

Cincinnati, OH 45207-1005

Phone: 800-289-0963

 

A Practical and Simple Guide To a Home Mortgage. Bass, Gary J., 1987, Irving, Texas: G & P Publishing. 66 pp. The book offers an overview of the financial aspects of purchasing a home. It is a hands-on guide to loans, interest rates, and other practical aspects of financing a home. It includes worksheets to aid perspective home buyers. $10.50 (including shipping & handling).

 

Available from:

G & P Publishing

1404 Lookout Circle

Irving, TX 75060-4909

Phone: 214-986-6575

 

 

Fact Sheet #1 Fair Housing Amendments Act: Provisions Relating to Discrimination Based on Disability. 1991. 3 pp. $1.00.

 

Fact Sheet #2 Fair Housing Amendments Act: Reasonable Modification of Existing Premises. 1991. 2 pp. $1.00.

 

Available from:

The Center for Universal Design

North Carolina State University

Box 8613

Raleigh, NC 27695-8613

Toll-free InfoLine: 800-220-8770

 

Person-owned and controlled housing

 

Home of My Own. 1994, Durham, New Hampshire, University of New Hampshire. A 25-minute video outlining New Hampshire's three-year demonstration project. Three project participants are filmed in their homes talking about what homeownership has meant to them. Family members and service providers discuss how relationships have changed in the process. The project director, legal counsel, and the state housing finance director provide perspective on the project's historical, legal, and financial significance. This sensitive treatment of a complex and innovative initiative is open-captioned and suitable for a general audience. $20.00 (including shipping & handling).

 

Extending the American Dream: Homeownership for People with Disabilities. Klein, J., and Black, M., 1995, Durham, New Hampshire, University of New Hampshire. 46 pp. The report summarizes financial and demographic data for 16 participants in the New Hampshire Home of Your Own project who closed on their homes from June 1992 to June of 1994. The report includes tables and narrative illustrating the types of properties purchased, sources and uses of funding, and descriptions of mortgages. Profiles of several homeowners, photographs, and an overview of the project and its outcomes make this publication a useful companion for the video, and accessible to audiences beyond the financial community. $20.00 (including shipping & handling).

 

 

A Report on Legal and Financial Planning Issues in the Home of Your Own Project. MacIntosh, John D., 1995, Durham, New Hampshire, University of New Hampshire. 13 pp. As states move from a residential support model focused on a "provider" or "agency" to options where an individual leases or owns his own home, significant legal and financial planning issues emerge involving state and federal employment laws, IRS regulations, and Medicaid eligibility. The report addresses not only pitfalls that policy makers, providers of services, individuals with disabilities, and their families may encounter, but also trust and guardianship issues. Areas of discussion include preserving eligibility for and maximizing the use of Medicaid benefits and Department of Labor and IRS issues in supporting people with disabilities in their homes. $2.00 (including shipping & handling).

 

Available from:

National Home of Your Own Alliance

c/o Center for Universal Design

NCSU, Box 8613

Raleigh, NC 27695-8613

800-220-8770

 

Housing, Support and Community: Choices and Strategies for Adults with Disabilities. Edited by Racino, Julie Ann, Walker, Pamela, O'Connor, Susan, and Taylor, Steven, 1993, Paul H. Brookes Publishing Co., 394 pp. (The Community Participation Series, Volume 2). The book demonstrates the importance of people with disabilities having control over their lives by discussing various approaches to support, life planning, choices, and decision-making within the context of housing. $32.00.

 

Innovative Practices in Supported Living: An Overview of Organizations, Issues and Resource Materials. Center on Human Policy. Syracuse, NY: Center on Human Policy. 1996. 66 pp. A comprehensive resource package on supported living including examples of agencies around the country that are successfully implementing a supported living approach with a discussion of related issues, such as housing and person-centered planning.

 

Available from:

Center on Human Policy

National Resource Center on Community Integration

Syracuse University

805 South Crouse Avenue, Room 101

Syracuse, NY 13244-2280

Phone: 315-443-3851

TDD: 315-443-4355

 

Critical Issues in the Lives of People with Severe Disabilities. Meyer, Luanna, Peck, Charles A., and Brown, Lou, Paul H. Brookes Publishing Co., 1991. 704 pp. This anthology contains documents and research monographs on issues that affect the lives of people with disabilities. Especially pertinent are the sections on community living and assistance describing where and how people with disabilities will live. This well-organized, state-of-the-art resource is written by noted authorities and advocates who offer provocative and creative challenges. $90.00.

 

Available from:

Paul H. Brookes Publishing Company

P.O. Box 10624

Baltimore, MD 21285-0624

Phone: 800-638-3775

 

The Housemate Agreement. The Center for Universal Design, 1992, 12 pp. Homeowners may find it useful to share their homes with others. A housemate agreement avoids the tenant/landlord status that may otherwise result from this relationship. Considerations and advantages to both the owner and the housemate are discussed, and a copy of a sample agreement is included. $3.00.

 

Available from:

The Center for Universal Design

North Carolina State University

Box 8613

Raleigh, NC 27695-8613

Phone: 800-647-6777

 

Person-centered planning/personal assistance

 

From Behind the Piano: Building Judith Snow's Unique Circle of Friends. Pearpoint, Jack, Toronto, Canada: Inclusion Press. 1990. 136 pp. For parents and advocates who doubt whether to champion their child's cause, the story of Judith Snow and her Joshua committee demonstrates that love and determination will convert insurmountable barriers into conquerable challenges and vulnerability into strength. $15.00 includes shipping.

 

PATH WorkBook: A Workbook for Planning Possible Positive Futures. Pearpoint, J., O'Brien, J., and Forest, M., Toronto, Canada: Inclusion Press. 60 pp. A must for anyone using PATH (Planning Alternative Tomorrows with Hope). The workbook is a creative planning tool for use by individuals, families, or organizations and is a companion to the PATH training video (also available from Inclusion Press). $15.00 includes shipping.

 

 

All My Life's a Circle, Using the Tools: Circles MAPS & PATH. Falvey, M., Forest, M., Pearpoint, J., and Rosenberg, R., Toronto, Canada: Inclusion Press. 1994. 54 pp. All you wanted to know about Circles, MAPS, and PATH in a short collaborative booklet. It is a perfect companion booklet for conferences and workshops. $15.00 includes shipping.

 

Inclusion Press

24 Thome Crescent

Toronto, Ontario, Canada

M6H 2S5

Phone: 416-658-5363

 

It's Never too Early, It's Never too Late: A Booklet on Personal Futures Planning. Mount, Beth, and Zwernik, Kay, St. Paul, MN: Minnesota Governor's Planning Council on Developmental Disabilities. 1989. 45 pp. The book explains personal futures planning and offers direction on structuring a planning process. It discusses a capacity-search process, building circles of support, and principles of networks. The publication explores changing service systems along with a candid discussion of the pitfalls to avoid in the planning process. Stock Number: #5-8. Ask for copies of their extensive publications list. First copy free, additional copies $5.59 each.

 

Single copies available from:

Minnesota Governor's Planning Council on Developmental Disabilities

300 Centennial Office Building

658 Cedar Street

St. Paul, MN 55155

Phone: 612-296-4018

 

Multiple copies available from:

Minnesota's Bookstore

117 University Avenue

St. Paul, MN 55155

Toll-free: 800-652-9747, non-metro Minnesota, only.

Phone: 612-297-3000 in the metropolitan twin cities area and

out-of-state callers.

 

 

Creating Individual Supports for People with Developmental Disabilities: A Mandate for Change at Many Levels. Bradley, V.J., Ashbaugh, J.W., and Blaney, B.C., Baltimore, MD: Paul H. Brookes Publishing Co. 1994. 560 pp. The book describes systems change strategies and action steps to create effective individualized supports. The text guides professionals and advocates through the critical steps that will ensure effective implementation of individualized supports. The authors demonstrate how to create collaborations and partnerships using positive futures planning and quality assurance. In-depth examples show the various ways it can happen.

 

Natural Supports in School, at Work, and in the Community for People with Severe Disabilities. Edited: Nisbet, Jan, Ph.D., Paul H. Brookes Publishing Co., 1992. 384 pp. The work combines thoughtful research and provocative first-person accounts to illustrate how natural supports work. It supports the position that assistance must be defined by the needs of individuals rather than the requirements of service systems. Included is a chapter written by Jay Klein titled, "Get Me the Hell Out of Here," which discusses natural supports for people in their own homes. $30.00.

 

Available from:

Paul H. Brookes Publishing Company

P.O. Box 10624

Baltimore, MD 21285-0624

Phone: 800-638-3775

 

Building Community for People with Disabilities: Person-Centered Development. (A Series of Six Monographs). Mount, Beth, Beeman, Pat, and Ducharme, George. Manchester, CT: Communitas.

 

Dare to Dream: An Analysis of the Conditions Leading to Personal Change for People with Disabilities. 1991. 50 pp.

 

Imperfect Change: Embracing the Tensions of Person-Centered Work. 1990. 36 pp.

 

One Candle-Power: Building Bridges to Community Life. 1989. 45 pp.

 

Person-Centered Development: A Journey in Learning to Listen to People with Disabilities. 1991. 50 pp.

 

 

What are We Learning about Bridge-Building?: A Summary of a Dialogue Between People Seeking to Build Community for People with Disabilities. 1988. 21 pp.

 

What are We Learning about Circles of Support?: A Collection of Tools, Ideas and Reflections on Building and Facilitating Circles of Support. 1988. 30 pp.

 

These books and others

are available from:

Communitas, Inc.

730 Main Street

Manchester, CT 06040

Phone: 203-645-6976

 

Impact: Feature Issue on Supported Living. Institute on Community Integration. Minneapolis, MN: Institute on Community Integration. 1995. 28 pp. Special issue newsletter on supported living including recommendations for agency-wide change. Additional copies $2.

 

Available from:

Institute on Community Integration (UAP)

Publications Office, University of Minnesota

109 Pattee Hall

150 Pillsbury Drive, SE

Minneapolis, MN 55455

Phone: 612-624-4512

 

Finding a Way Toward Everyday Lives: The Contribution of Person Centered Planning. O'Brien, John and Lovett, Herbert. Harrisburg, PA: Pennsylvania Office of Mental Retardation. 1992. 19 pp. The short booklet describes the foundation for person-centered planning and its potential for creating a better future for people, as well as influencing change. It also addresses controversies and fears associated with this new approach. A bibliography is included.

 

Available from:

Pennsylvania Office of Mental Retardation

P.O. Box 2675

Harrisburg, PA 17105-2675

Phone: 717-787-3700

 

 

Community integration

 

Publications by Staff and Associates of the Center on Human Policy. National Resource Center on Community Integration. Syracuse, NY: National Resource Center on Community Integration. 1996. 7 pp. The publication list includes books, articles, chapters, and reviews that discuss many critical issues for people with disabilities.

 

Resources and Reports on Community Integration. National Resource Center on Community Integration. Syracuse, NY: National Resource Center on Community Integration, 1996. 15 pp. The listing includes numerous information packages, site visit reports, resource materials, news bulletins, journal articles, and studies on the integration of people with disabilities into community life.

 

Available from:

Center on Human Policy

National Resource Center on Community Integration

Syracuse University

805 South Crouse Avenue, Room 101

Syracuse, NY 13244-2280

Phone: 315-443-3851

TDD: 315-443-4355

 

The Whole Community Catalogue. Wetherow, David/Communitas, 1992, Gunnars & Campbell, Winnipeg. A source book for enriching our communities, neighborhoods, schools, workplaces, associations and families through full participation and inclusion of people who have disabilities. A collection of essential articles, ideas, reviews, and connections. Includes resources on relationships, education, vocations, training, networks, periodicals, catalogues, and housing. $15 plus $2 shipping & handling.

 

Available from:

Communitas, Inc.

730 Main Street

Manchester, CT 06040

Phone: 203-645-6976

 

Annotated Bibliography on Aging, Disabilities, Advocacy and Environmental Design. Edited: Bishop, Kathleen, Research and Training Center on Community Integration, 1993, 23 pp., Syracuse, NY. $2.40.

 

Annotated Bibliography on Community Integration. Revised Research and Training Center on Community Integration, 1990, 250 pp., Syracuse, NY., $16.75.

 

Life in the Community: Case Studies of Organizations Supporting People with Disabilities. Edited: Taylor, Steven J., Bogdan, Robert, and Racino, Julie Ann, 1991, Paul H. Brookes Publishing Co., 304 pp. (The Community Participation Series, Volume 1). This has comprehensive case studies organized around three themes: families, housing, and the role of the community in integration. It provides practical ideas, applications, and strategies to promote successful community integration for people of all abilities. $30.00.

 

Available from:

Paul H. Brookes Publishing Company

P.O. Box 10624

Baltimore, MD 21285-0624

Phone: 800-638-3775

 

Members of Each Other: Building Community in Company with People with Developmental Disabilities. O'Brien, John and Lyle-O'Brien, Connie, Toronto, Canada: Inclusion Press. 1996. 140 pp. An inspiring collection of essays and reflections exploring how community can be regenerated when everyone is included in the process. $12.00 plus $3 shipping.

 

Available from:

Inclusion Press

24 Thome Crescent

Toronto, Ontario, Canada M6H 2S5

Phone: 416-658-5363

 

Supported Living Resource List. The Arc of the United States. Arlington, TX: The Arc of the United States. 1996. 4 pp. The publication contains information on programs and materials that address various aspects of community living. The listing is updated periodically to reflect new organizations and publications. Order #30-28. Send a self-addressed stamped envelope.

 

Available from:

The Arc of the United States

National Headquarters

500 East Border Street, Suite 300

P.O. Box 1047

Arlington, TX 76004

Toll-free InfoLine: 800-433-5255

Phone: 817-261-6003

TDD: 817-277-0553

E-mail: thearc@metronet.com

 

New Life in the Neighborhood. Perske, Robert. Nashville, TN: Abingdon Press. 1980. 77 pp. Perske demonstrates in this book that persons with disabilities are capable of being part of community life.

 

This and other books are available from:

Abingdon Press

201 Eighth Avenue South

Nashville, TN 37202

Toll-free: 800-251-3320

 

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