d)e Cluirloltc Thursday, July 7, 2005 A pinch, a dash, a cup of this and that from your favorite recipe book is what it takes to create a meal for your family to enjoy. With our guidance and a little effort on your part, a HUD house can become a place your family will be proud to call home. A realtor or a real estate broker can show you the HUD/FHA homes available in your community, help you complete the necessary paperwork, and help you obtain a thorough home inspection. To learn more, visit our website at \www.homesales.gov, or call 1-888-655-0647 and ask for HUD/FHA Home Sales. Don't be a victim of ioan fraud. Protect yourseif from predatory ienders. Buying or refinancing your home may be one of the most important and complex financial decisions you'll ever make. Every year, thousands of home purchasers become victims of abusive lending practices or loan fraud. A HUD/FHA-approved Housing Counseling Agency is ready to help. To locate such an agency, call 1 -800-569-4287 or visit our website at www.HUD.qov and select “Avoid Predatory Lenders,” OTPOflfuwff HUD/FHA recommends that anyone buying a home get a home inspection.- Welcome Home Os