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Home Equity and Mortgage Loans for Every State – Exhaustive List

Home Equity and Mortgage Loans

Home Equity and Mortgage Loans for Every State – Exhaustive List

Understanding home equity and mortgage options is crucial for homeowners and prospective buyers across the United States. Whether you’re looking to tap into your home’s equity or secure a mortgage loan, having access to reliable information tailored to each state can make all the difference. In this comprehensive guide, we explore resources and data sites where you can find detailed information about home equity and mortgage loans specific to your state.

1. National Resources and Databases

National resources and databases are crucial tools for homeowners and prospective buyers across the United States seeking comprehensive information on home equity and mortgage options. These resources provide valuable insights into mortgage markets, housing finance, and economic indicators at both national and state levels. They include:

a. Federal Housing Finance Agency (FHFA)

The FHFA provides valuable insights into mortgage markets and housing finance, including state-specific data on home prices, mortgage rates, and affordability.

b. Consumer Financial Protection Bureau (CFPB)

The CFPB offers consumer guides and tools for understanding mortgages, including state-specific information on mortgage rates, lenders, and regulations.

c. National Association of Realtors (NAR)

NAR offers market reports, economic forecasts, and insights into national and regional housing trends, which can be helpful for understanding broader mortgage market conditions.

d. Mortgage Bankers Association (MBA)

The MBA provides data and analysis on mortgage rates, mortgage applications, and industry trends at the national and state levels.

e. Federal Reserve Economic Data (FRED)

FRED offers economic data, including housing market indicators, interest rates, and mortgage-related statistics, which can be accessed by state and region.

f. National Mortgage News

National Mortgage News provides news, analysis, and insights into the mortgage industry, including updates on regulations, market trends, and lender activities.

2. State-Specific Mortgage and Home Equity Information

State-specific mortgage and home equity information refers to resources and agencies that cater to the unique needs of homeowners and prospective buyers within each U.S. state. These resources include state housing finance agencies, local real estate associations, and government websites that provide programs, assistance, and market insights tailored to specific regions.

They play a crucial role in offering guidance on mortgage rates, home purchase assistance programs, refinancing options, and affordability initiatives relevant to individual states. These resources aim to empower consumers with localized knowledge and support to make informed decisions about home financing and equity utilization.

a. State Housing Finance Agencies

  • Texas Department of Housing and Community Affairs (TDHCA)
    • Administers various housing programs including down payment assistance, mortgage credit certificates, and affordable housing initiatives for Texas residents.
    • Website: TDHCA
  • Pennsylvania Housing Finance Agency (PHFA)
    • Provides home purchase assistance programs, refinancing options, and foreclosure prevention services across Pennsylvania.
    • Website: PHFA

b. Local Real Estate Associations

  • Florida Realtors
    • Offers comprehensive market data, real estate trends, and advocacy resources for homebuyers and sellers in Florida.
    • Website: Florida Realtors
  • Arizona Association of Realtors (AAR)
    • Provides market reports, legal resources, and continuing education for real estate professionals and consumers in Arizona.
    • Website: Arizona Association of Realtors

c. Additional State Government Housing Websites

  • Georgia Department of Community Affairs (DCA)
    • Administers housing finance and development programs, including homeownership assistance and rental housing initiatives in Georgia.
    • Website: Georgia DCA
  • Massachusetts Housing Finance Agency (MassHousing)
    • Offers mortgage programs, rental assistance, and affordable housing initiatives throughout Massachusetts.
    • Website: MassHousing

d. More State-specific Mortgage Brokerage Websites

  • Colorado Housing and Finance Authority (CHFA)
    • Provides financing options, down payment assistance, and homebuyer education for Colorado residents.
    • Website: CHFA
  • North Carolina Housing Finance Agency (NCHFA)
    • Offers affordable financing options, homebuyer education, and foreclosure prevention services in North Carolina.
    • Website: NCHFA

Local real estate associations often provide market reports, housing trends, and insights into mortgage lending specific to your area.

  • Example: New York State Association of REALTORS® (NYSAR)
    • Provides market statistics, homebuyer resources, and legislative updates affecting homeownership.

3. Online Mortgage Comparison Tools

Online mortgage comparison tools are digital platforms designed to help consumers compare various mortgage options from multiple lenders quickly and efficiently. These tools typically provide features such as mortgage rate comparisons, affordability calculators, and personalized loan offers based on user input.

They enable users to explore different loan products, terms, and interest rates, facilitating informed decisions about home financing. Online mortgage comparison tools aim to streamline the mortgage shopping process, offering transparency and convenience while assisting users in finding the most suitable mortgage options for their needs. Here are the list of sources that you can find reliability on:

a. Bankrate

Bankrate offers mortgage rate comparisons, calculators, and guides tailored to different states and mortgage types.

  • LendingTree
    • Allows users to compare mortgage rates, refinance options, and home equity loans from multiple lenders.
    • Website: LendingTree
  • NerdWallet
    • Provides mortgage rate comparisons, refinancing calculators, and personalized mortgage advice based on user preferences and location.
    • Website: NerdWallet

b. Zillow

Zillow provides mortgage calculators, affordability calculators, and insights into local housing markets across the United States.

  • Redfin
    • Offers mortgage rate comparisons, affordability calculators, and insights into local housing markets similar to Zillow.
    • Website: Redfin
  • Trulia
    • Provides mortgage tools, including calculators and local market insights, to help homebuyers understand their financing options.
    • Website: Trulia

c. Additional Online Mortgage Comparison Tools

  • Mortgage Calculator by Credible
    • Allows users to compare personalized loan offers from multiple lenders, with a focus on transparency and user-friendly tools.
    • Website: Credible
  • Mortgage Calculator by Mortgage
    • Offers various mortgage calculators, affordability tools, and mortgage rate comparisons tailored to different states and loan types.
    • Website: Mortgage

4. Government Housing and Mortgage Programs

Government housing and mortgage programs encompass initiatives provided by federal and state entities to facilitate affordable homeownership and housing stability. These programs include FHA-insured loans, VA home loans for veterans, USDA rural housing loans, and state-specific housing finance agency programs. They aim to offer competitive mortgage rates, down payment assistance, and foreclosure prevention services to eligible individuals and families, promoting access to stable housing across various socioeconomic backgrounds.

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

HUD offers resources on homeownership, FHA-insured loans, and foreclosure prevention programs tailored to each state.

  • Website: HUD
  • FHA Resource Center
    • Provides information on FHA-insured loans, refinancing options, and housing counseling services available nationwide.
    • Website: FHA Resource Center
  • HUD Exchange
    • Offers resources for community development, affordable housing programs, and disaster recovery assistance managed by HUD.
    • Website: HUD Exchange

b. USDA Rural Development

USDA provides information on rural housing loans and grants, including eligibility criteria and state-specific programs.

c. Additional Government Housing and Mortgage Programs

  • VA Home Loans
    • Guarantees mortgage loans for eligible veterans, active-duty service members, and certain surviving spouses, offering competitive rates and flexible terms.
    • Website: VA Home Loans
  • Federal Housing Finance Agency (FHFA)
    • Regulates Fannie Mae, Freddie Mac, and the Federal Home Loan Banks to ensure access to affordable mortgage financing in all markets.
    • Website: FHFA

d. State Housing Finance Agencies (HFAs) Programs

  • Minnesota Housing
    • Provides affordable housing and homeownership programs including down payment assistance, affordable mortgage products, and foreclosure prevention services.
    • Website: Minnesota Housing
  • New York State Homes and Community Renewal (HCR)
    • Administers programs to create and preserve affordable housing, including financing options and assistance for first-time homebuyers.
    • Website: NYSHCR

5. State-Specific Housing Finance Agencies (HFAs)

State-specific Housing Finance Agencies (HFAs) are organizations established at the state level to administer housing finance and assistance programs. These agencies offer a range of services including down payment assistance, affordable mortgage products, homebuyer education, and foreclosure prevention initiatives tailored to the housing needs of residents within each state. State HFAs play a crucial role in promoting affordable homeownership and rental housing opportunities while supporting economic stability and community development.

  • California Housing Finance Agency (CalHFA)
    • Provides homebuyer assistance programs, including down payment assistance and mortgage programs tailored for California residents.
    • Website: CalHFA
  • Illinois Housing Development Authority (IHDA)
    • Offers mortgage programs, down payment assistance, and foreclosure prevention services throughout Illinois.
    • Website: IHDA
  • Ohio Housing Finance Agency (OHFA)
    • Administers affordable housing programs, including first-time homebuyer programs and mortgage options in Ohio.
    • Website: OHFA
  • Maryland Department of Housing and Community Development (DHCD)
    • Provides homeownership and rental housing programs, including mortgage assistance and housing finance options in Maryland.
    • Website: Maryland DHCD

Additional Online Mortgage Comparison Tools

  • Rocket Mortgage by Quicken Loans
      • Offers online mortgage application and comparison tools, including personalized mortgage rates and loan options.
      • Website: Rocket Mortgage
    • Mortgage Calculator by Bank of America
  • Real Estate and Mortgage Industry Publications
    • Mortgage Professional America
      • Provides news, insights, and analysis on the mortgage industry, including lender news and market trends.
      • Website: Mortgage Professional America
    • HousingWire
      • Offers news, analysis, and industry trends in the housing and mortgage sectors.
      • Website: HousingWire
  • Educational Resources and Consumer Guides
      • Provides financial education resources, including guides on mortgages and home equity.
      • Website:
    • BankingSense
      • Offers guides and articles on personal finance topics, including mortgages and home equity loans.
      • Website: BankingSense


Navigating the complexities of home equity and mortgage loans demands access to reliable information and resources. From online mortgage comparison tools to state-specific housing finance agencies and government programs like HUD and USDA, understanding these options empowers homeowners and prospective buyers to make informed decisions. Whether you’re refinancing, purchasing a home, or seeking assistance in rural areas, leveraging these resources ensures you find the right solutions aligned with your financial goals and local market conditions. Always verify details directly with authoritative sources and consult with professionals to maximize your homeownership journey.