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Housing is one of the basic resources that families need to survive. Secure and stable housing comes in many forms — a house, an apartment, a rented room, etc. No matter if you own or rent your home, the dollars you spend on housing probably account for a large percentage of your monthly expenses. It's important that you protect that resource, know your rights, and that it stays a place that you are happy to call "home."

The following will help you secure stable housing, with resources for renters, property managers, and homeowners.

When Should You Refinance Your Home Loan? — The greatest gain in refinancing your home occurs when the current interest rate stands at least two percentage points below your existing mortgage loan interest rate and refinancing costs are affordable.

Housing Options for Seniors — Reviews different housing alternatives for seniors and their families to consider.

Designing Accessible Housing — Simple design elements can help homes accommodate individuals with diverse abilities.

Communication, Compromise, and Consideration: The 3 C's of Getting Along With Roommates (133 K PDF) — This tips sheet gives practical advice for those learning to live with roommates.

Home Maintenance Checklist (79 K PDF) — Quick tips for maintaining your home.

Energy Actions to Save $ and Increase Comfort for Renters (62 K PDF) — Conserve energy in your home to lower utility bill and increase comfort.

Other Recommended Resources

Keeping a Roof Overhead — When family income drops, careful planning can help you avoid eviction from your rental unit or the loss of your house.

Using Home Equity as a Long Term Care Financing Option — This checklist will help you explore if home equity is a realistic financing option for your long term care needs.

Community Mentorship for Financial Capability — In this partnership with the Minnesota Council on Economic Education (MCEE), Extension Educators mentor community agencies, helping them to develop content expertise and skills in educational program delivery and to plan, market, deliver, and evaluate the agencies’ community workshops.

Use Your Home to Stay at HomeNational Council on Aging — This is the official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development.

Recovery After Disaster: The Family Financial Toolkit — Award-winning toolkit discusses long-term strategies and provides tools that can help you move along the road of financial recovery. Includes units that help homeowners and renters assess where to live after a disaster.

Recover From Floods: Housing — Resources to help you deal with home damage after a flood.

Managing Your College Life: Your Money Your Housing Your Time — Online resources that help students better manage their first years of college.

Housing Technology — Extension resources to improve buildings' quality, efficiency, environmental health, and durability.

Building Awareness of Culture & Resources — Take-and-teach curriculum to expand family-serving professionals' capacity and broaden their perceptions of culture and resources. Includes resources on housing; available as free downloads.

HousingLink — Search rental housing listings in Minnesota.

Minnesota Housing Finance Agency — Online resource center for homebuyers, homeowners, renters, and more.

Minnesota Homeownership Center — Offers programs and service to buy a home, keep a home, and become a better homeowner.

Home Equity Conversion Mortgages for Seniors United States Department of Housing and Urban Development — Reviews the facts about Home Equity Conversion mortgages (HECM) and other reverse mortgages.

Owning a Home Consumer Financial Protection Bureau — Reliable, easy-to-use information on the home buying process. Understand loan options, the closing process, and more.

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