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This publication from the Federal Reserve Bank of St. Louis is intended for homeowners who are having difficulty paying their mortgage. The guide provides basic information on when to worry about a loan, how to get help from a housing counselor and pitfalls to avoid in choosing a counselor. The free publication also includes a national hotline number (1-888-995-HOPE) and a list of local counseling agencies.
Growing Entrepreneurs from the Ground Up is a community-based self-assessment tool for evaluating a community’s small-business climate. The guide also contains suggested actions a community can take to make the most of its strengths and to address deficiencies in its small-business environment. Resources and tools—such as web sites, books, seminars and programs, and foundations—are included with the suggested actions.
In the current economy, with homeownership more difficult to attain, the need for rental housing has become increasingly important. However, the market for Low Income Housing Tax Credits (LIHTCs), a major source of capital for the development of rental housing, has experienced a serious downturn. This publication, produced by the Board of Governors’ and the Federal Reserve Bank of St. Louis’ Community Affairs functions, features six short articles by experts with their ideas for bolstering the LIHTC program.
The Federal Reserve Bank of St. Louis' Learn Before You Leap brochures list counseling agencies, customized by Eighth District Branch, that provide advice on every step of the home-buying process, from budgeting income to negotiating a contract to closing on a loan. Available as printable PDFs in both English and Spanish. Multiple hard copies can also be ordered from each District Branch contact:
Small and micro businesses in this region will find a wealth of information in this guide about assistance available to help them achieve success. The first section, "Business Assistance Resources," lists nearly 25 pages of public and private organizations that offer advice and technical expertise, most for free. The second section, "Alternative Financial Resources," lists more than 70 nontraditional sources of funding, from venture capital groups to government agencies. Contact information is also given for the 14 chambers of commerce in the area.
Small and micro businesses in this region will find a wealth of information in this guide about assistance available to help them achieve success. The first section, "Business Assistance Resources," lists nearly 30 pages of public and private organizations that offer advice and technical expertise, most for free. The second section, "Alternative Financial Resources," lists more than 50 nontraditional sources of funding, from venture capital groups to government agencies. Contact information is also given for the dozen chambers of commerce in the area.
Millions of low-income, working Americans are unaware that they are eligible for thousands of dollars in tax credits. This booklet explains how the tax credit works and how to find out if you qualify. Eligible taxpayers can receive up to $4,500 with their income-tax refund. The typical refund in the Bank's Eighth District has been about $2,000. Read the booklet online or order a free copy by calling 314-444-8761 in St. Louis; 501-324-8296 in Little Rock, Ark.; 502-568-9282 in Louisville, Ky.; and 901-579-4101 in Memphis, Tenn. Versions containing information specific to each state are also available: Arkansas, Illinois, Indiana, Kentucky, Mississippi, Missouri, Tennessee.
Published in 2002, this self-study guide explains the basics of launching a community development project. Available as an easy-to-use online tool or in a series of printable PDFs:
For a free paper copy, e-mail us.
The Federal Reserve System's Mortgage Credit Partnership Credit Scoring Committee has produced a series on this increasingly popular underwriting tool. The series was published in installments in 2001 and 2002 by the St. Louis Fed as a project of the Federal Reserve Bank of Boston, Chicago, Cleveland, San Francisco and St. Louis, as well as the Board of Governors.
The series examines many of the controversial elements of credit scoring. Each part is available as a separate PDF.