GRAHAM DESIGNS

Graham Designs specializes in graphic design, photography, custom artwork, and website development. At Graham Designs we cater to corporations and startups, small to mid-sized companies,individuals,couples and families.At GRAHAM DESIGNS, we believe that every project that we take should be treated as a custom work of art. The photography projects create memories that you can cherish for a lifetime. Websites efficiently capture consumer information, while simultaneously portraying your company agenda, so that additional market information and revenue will be driven to you and your business.

The Council of Better Business Bureaus (CBBB)

CBBB is the network hub for BBBs in the US and Canada. Like BBBs, CBBB is dedicated to fostering honest and responsive relationships between businesses and consumers — instilling consumer confidence and advancing a trustworthy marketplace for all. BBB sees trust as a function of two primary factors – integrity and performance. BBB ensures that high standards for trust are set and maintained.All BBB accredited businesses have agreed to live up to our Standards for Trust, a comprehensive set of best practices for how businesses should treat the public in a fair and honest manner.

Nationwide Mortgage Licensing System & Registry (NMLS)

NMLS is the system of record for non-depository, financial services licensing or registration in participating state agencies, including the District of Columbia and U.S. Territories of Puerto Rico, the U.S. Virgin Islands, and Guam. NMLS is the sole system of licensure for mortgage companies for 58 state agencies and the sole system of licensure for Mortgage Loan Originators (MLOs) for 59 state and territorial agencies. NMLS was created by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR)1 and began operations in January 2008.

Division of Professional Licensure

The Massachusetts Office of Consumer Affairs and Business Regulation can assist CONSUMERS who are Massachusetts residents or have conducted business with a Massachusetts-based company. The Division of Professional Licensure (DPL) is an agency within the Office of Consumer Affairs and Business Regulation. DPL’s 28 boards of registration carry out the agency’s mission by licensing individuals and businesses in more than 50 trades and professions.DPL seeks to promote consumer protection, a fair and competitive marketplace, and education and outreach.

Home Inspections USA

The goal of a home inspection is to give the client a much better understanding of the physical condition of the structure than would otherwise be known. To achieve this an inspector conducts a visual inspection of the home and its systems. The purpose of a home inspection is to inform the individual buyer of the current condition of the home. The purchase contract the buyer and seller signed is contingent on the home inspection. A buyer will generally have the option based upon the inspection to; opt out of the purchase, ask for repairs or credit towards repairs or a purchase price reduction.

Massachusetts Department of Environmental Protection

The Executive Office of Environmental Affairs was established by the Legislature in 1975. The Department of Environmental Protection – MassDEP – is the state agency responsible for ensuring clean air and water, the safe management of toxics and hazards, the recycling of solid and hazardous wastes, the timely cleanup of hazardous waste sites and spills, and the preservation of wetlands and coastal resources. The overall mission of the Executive Office is to safeguard public health from environmental threats and to preserve, protect, and enhance the natural resources of the Commonwealth.

Realtor.com®

Realtor.com®, the official site of the National Association of REALTORS®, is the leading homes for sale Web site, offering more listings and essential real estate-related information, to over 40 million consumers each month. This provides consumers with the freshest listing information and content available online. With relationships with nearly 800 multiple listing services (MLS), realtor.com® has more than 3 million for-sale listings, which account for more than 97 percent of all MLS-listed for-sale properties. Approximately 80% of all listings found on realtor.com® are updated every 15 minutes and the remainder are updated every one to 24 hours.

Board of Registration of Real Estate Brokers and Salespersons

Licensed real estate brokers and salespersons assist consumers wishing to purchase, sell, lease or exchange real property. This assistance encompasses a host of services including appraising property for basic valuations, negotiating purchase, sale or lease agreements, maintaining escrow accounts and advertising.The Real Estate Board licenses only those candidates who meet the statutory and regulatory requirements for real estate brokers and salespersons. In carrying out its mission, the Board regulates real estate schools and agent curriculum and contracts with a testing vendor to provide the agent examination.

Zillow

Zillow launched in 2006 and is headquartered in Seattle.
Zillow is the leading real estate and rental marketplace dedicated to empowering consumers with data, inspiration and knowledge around the place they call home, and connecting them with the best local professionals who can help. Zillow serves the full lifecycle of owning and living in a home: buying, selling, renting, financing, remodeling and more. Zillow operates the most popular suite of mobile real estate apps, with more than two dozen apps across all major platforms.

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

HUD is the Department of Opportunity. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination, and transform the way HUD does business. HUD’s mission to promote home-ownership, support community development, and increase access to affordable housing, free from discrimination, create strong, sustainable, inclusive communities and quality affordable homes for all.

U.S. Department of Health & Human Services (HHS)

HHS programs are administered by the Office of the Secretary Staff Divisions, Operating Divisions, and Regional Offices. It is the mission of the U.S. Department of Health & Human Services (HHS) to enhance and protect the health and well-being of all Americans. We fulfill that mission by providing for effective health and human services and fostering advances in medicine, public health, and social services. HHS implements parts of the Affordable Care Act that deal with private and public health insurance. HHS has 11 operating divisions, including eight agencies in the U.S. Public Health Service and three human services agencies.

Community Development Financial Institutions (CDFIs)

The CDFI Fund was created for the purpose of promoting economic revitalization and community development through investment in and assistance to community development financial institutions (CDFIs). The CDFI Fund was established by the Riegle Community Development and Regulatory Improvement Act of 1994, as a bipartisan initiative. Since its creation, the CDFI Fund has awarded over $2 billion to community development organizations and financial institutions; it has awarded allocations of New Markets Tax Credits which will attract private-sector investments totaling $43.5 billion, including $1 billion of special allocation authority to be used for the recovery and redevelopment of the Gulf Opportunity Zone.

The U.S. Department of Agriculture (USDA)

USDA offers loans, grants and loan guarantees to support essential services such as housing, economic development, health care, first responder services and equipment, and water, electric and communications infrastructure. USDA helps rural residents buy or rent safe, affordable housing and make health and safety repairs to their homes. USDA provides technical assistance to help communities undertake community empowerment programs. USDA Rural Development has a $212 billion portfolio of loans. Also offer technical assistance and information to help agricultural producers and cooperatives get started and improve the effectiveness of their operations.