Owning your own home is the American Dream but you need to be prepared for its challenges. The below websites offer vital information that can help make your experience as a homeowner a little easier.

• Energy Star Program (EPA)
  
  
• Family and Consumer Information (PCE)
  
  
• Florida Yards and Neighborhoods (PCE)
  
  
• Foreclosure Prevention
  
  
• Home Maintenance (IFAS)
  
  
• Home Improvement Programs
  
  
• Local HUD Approved Counseling Agencies (HUD)
  
  
• Reverse Mortgages - The Facts (FTC)
  
  
• Unfair financial practices/Predatory Lending (HUD)
  
  
• Predatory Lending Brochure (City of Clearwater)
  
  
• Your Rights and the Responsibility of the Mortgage Servicer (HUD)