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Home Loans for Every Home Buying Situation - Quicken Loans America's Home Loan Experts SM GO My Quicken Loans Login Great Rates. Expert Advice. Fast Process. Call 800-251-9080 To Get Your Rate Refinance Refinance Center Learn About Refinancing Refinance Calculators Refinance Loan Options Contact a Refinance Expert Home Purchase Home Purchase Center Learn About Buying a Home Home Purchase Calculators Home Purchase Loan Options Contact a Purchase Expert Home Equity Home Equity Center Learn About Home Equity Home Equity Calculators Home Equity Loan Options Calculators Calculators Refinance Calculators Home Purchase Calculators Home Equity Calculators Contact a Loan Expert Loan Options Loan Options Refinance Loan Options Purchase Loan Options Home Equity Loan Options Contact a Loan Expert Bad Credit Rates Learn About Buying a Home Home Purchase Calculators Home Purchase Loan Options Contact a Purchase Expert Home Purchase Center Buying a house? Get a payment now! Expected Purchase Price: Expected Down Payment: Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Call: 800-251-9080 Quicken Loans makes it easy on you: Save time. No long forms to fill out. Convenient. We research your loan options for you. Expert Advice. The right loan for you. Fast. Close in weeks. Power Buyer SM Home Loans Loans that give you an edge when buying a home Select your situation below... I'm a first-time home buyer Get pre-approved. Buy a home with no money down! I'm moving and will be buying a home Close fast on your new home loan, even before you sell! I'm buying a vacation home Very low down payment requirements!! I'm building a new home Lock your mortgage rate for up to 12 months while you finish building! About The Loan I May Be Interested In: (* Indicates a required field) *Loan Purpose Choose One Refinance Home Equity Line of Credit Debt Consolidation / Cash Out Home Improvement Purchase - Looking but have not found a home yet Purchase - Just researching my options Purchase - Signed or expect to sign purchase agreement *Estimated Home Value/Purchase Amt: *Desired Loan Amount: About Me: *First Name: *Last Name: *Address: *City: *State: Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming *Zip: *How did you hear of us? Choose One Real Estate Insiders Rush Limbaugh Radio Ad TV Ad Friend Search Online Ad News Other *E-mail: *Home Phone: - - *Work Phone: - - Ext. OR CALL 800-251-9080 The information you provide to Quicken Loans will be used to fulfill your request. Quicken Loans does not share your information with outside companies for their promotional use. Occasionally, we may contact you with special offers that may interest you. If you do not want to receive these offers you may opt-out by clicking here . Your browser does not support current technology. Please consider upgrading. //-- America's Home Loan Experts — Quicken Loans! Quicken Loans' quick and easy mortgage process made us the nation's largest online mortgage lender. Our exclusive home loan options allow you to find a mortgage that's right for you. Explore our Home Purchase Center for information on purchasing a home, getting a home loan, and more. Our mortgage calculators can quickly show you how much home you can afford and the mortgage amount you may qualify for, or check mortgage rates online. Not sure which loan is right for you? Call Quicken Loans today and talk to a home loan expert — 800-251-9080 . Refinancing | Home Loans | Home Equity Loans | My Quicken Loans Login Mortgage News | Mortgage Rates | Mortgage Calculators | Apply Online About Us | Careers | Contact Us | Feedback | Site Map | Help | Search Security and Privacy | Disclosures and Licenses | Terms of Use © 2000 - 2005 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc., used under license. Build 2741 2005-10-25 09:50:43
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MSN Money - The hazards of some home-equity loans MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend See where rates stand Calculate your debt burden here Find a home-equity loan Find books on home buying Find It! Article Index Finance Q&A Tools Index Site Map Don't get fooled by the "special programs" offer mentioned in advertisements. Today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Recent articles by Terry Savage: • How to limit divorce's financial sting , 1/5/2003 • 5 financial steps to help your aging parents , 1/5/2003 • Prepare for the unthinkable: long-term care , 1/5/2003 More... The Basics The hazards of some home-equity loans advertisement What looks like an easy way out of debt could one day put your family out on the street. Get the facts behind those enticing ads for 125% home-equity loans before you put your home on the line. By Terry Savage What looks like a great deal, but could turn out to be the most devastating financial decision of your life? It's when you consolidate credit-card debt by taking out home-equity loans for more than the value of your house, sometimes for up to 125% of the home's value. Unlike traditional home-equity loans that rely on the equity you've built up in your home, these loans aren't tax deductible and usually carry higher interest rates. Find a loan that's right for you at the Loan Center By television, direct mail and now by e-mail, lenders are pushing you to consolidate your credit-card debt by borrowing on your home. Here's the text of an actual e-mail I received recently: Consolidate Debt, Refinance Your Home or Put Cash In Your Pocket! We Have Special Programs with rates starting as low as 2.5% APR 7.22% Special Programs for Self-Employed Borrowers Previous Bankruptcies or Foreclosures OK!! Debt Consolidation - pay off high-interest debts and get the cash you need Second Mortgages - get 125% of your home's value. The television commercials make it look easy and enticing. A top athlete, like quarterback Dan Marino, offers you the chance to cut your monthly payments, pay off your credit cards and take out extra cash to remodel your kitchen or go on a vacation. But think twice. It's important to understand the risks, as well as the attraction, of those lower monthly payments. For some, this is the way to go For many people, a home-equity loan is indeed the smart way to borrow. The interest rate is typically lower, and the interest is tax deductible. Plus, home-equity loans are amortized over about 15 years vs. about four years for credit cards. That means the monthly payment on a home-equity loan is far lower than a minimum required credit-card payment. For example, if you owe $10,000 on your credit card at 15%, you'll probably have a monthly payment of $278. But the same amount owed at 15% on a home-equity loan that's amortized over 15 years results in a monthly payment of only $140. The more you owe, the more enticing a home-equity loan looks. At $20,000 in debt in the same scenario, the home-equity loan costs $280 a month, while the credit card and/or auto debt requires a $557 monthly payment. The trouble comes when people borrow all their home equity to pay off their debts, but they haven't learned how to manage their money well enough to avoid running up credit-card debts and auto-loan debts again. In fact, the lenders have a name for this process: It's called "reloading." Then, if the economy slows or one of the breadwinners loses a job, the next time you get into credit-card trouble, you could actually lose your house. Statistics from the Mortgage Bankers Association underscore the problem. The percentage of homes foreclosed in 1998 was 1.16%, about double the rate of the terrible recession years of the early 1980s, when 0.59% of homes were in foreclosure. The rising foreclosure rate comes even as bankruptcy rates remain high, with 1.2 million filings in 1999. But as people try to avoid bankruptcy, they're increasingly taking out home-equity loans to pay off their other bills. As a result of those home-equity loans (and new mortgage programs designed to help people buy homes with down payments of less than 5%), Americans have a lower percentage of equity in their homes than at any time in history. Essentially, an unsecured loan The real kicker comes if you borrow past the value of your home. Unlike home-equity loans, these loans usually are not considered tax deductible. The law says that all interest on a first mortgage (of up to $1 million) is deductible. And interest on up to $100,000 of a second mortgage or home-equity loan also is deductible. By law, interest on any part of a loan that exceeds 100% of the value of your home is not deductible. In addition, lenders typically charge higher rates, because you've essentially taken out an unsecured loan. An unsecured loan means there is no collateral in case you default on the loan. A mortgage for up to the value of your home is "secured" by the home itself. Many lenders charge interest rates seven or eight percentage points higher than traditional mortgages. In some cases, that's twice what you'd pay for a regular mortgage or home-equity loan. Don't get fooled by the "special programs" offer mentioned in advertisements like the one I mentioned earlier, either. They're either introductory loans, which require large "balloon payments" several years later, or adjustable rate loans in which the rates -- and the payments -- can increase every year. As long as the loan is repaid, it's very profitable. And the lenders know that paying off mortgage or home-equity loans takes a high priority in a consumer's mind, so the default rate is far lower than on unsecured credit-card lending. SMR Research, a financial industry market-research firm, reports that about 30% of all home-equity loans are sub-prime. That is, these are loans made to borrowers who are considered a poor credit risk -- the very people most likely to be caught in the crunch when the economy turns down. Bankruptcy: the only escape The greatest danger for those who fall for this pitch is the fact that they've put their home on the line. If they fail to make the payments, the lender can force the home to be sold in a foreclosure proceeding. The grantor of the original mortgage must be paid off first; then the home equity lender collects what's left from the sale price. And if there's not enough equity to repay the home equity lender, a default judgment will be entered against the borrower for the difference. The only escape is bankruptcy. The generation that went through the Great Depression of the 1930s learned the hard way not to borrow against the family home. So many people lost their homes that by 1935, banks categorized 20% of all mortgages as "real-estate owned" -- that is, foreclosed. But today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Rising home prices have tempted homeowners to count home equity as a source of ready cash. But that kind of home equity borrowing should only be done as part of an overall financial plan and a disciplined approach to money management. Otherwise, today's easy way out of debt could one day put your family out on the street. 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COMMREX.com - Commercial Real Estate Exchange and Property Listing Service. Mortage finder and Refinance locator. Go" Advertising Info About COMMREX COMMREX.com Austin, Texas 512.346.9158 Fax 512.346.1762 Email Us COMMREX TM Commercial Real Estate Exchange Products and Services Apply for a Commercial Mortgage Online - It's quick, easy and FREE Featured Property Feature your property on this site. Banner Ad Program Place Banner ADS on this site. COMM-Find Find a commercial agent by location and specialization. Find out who looks at your properties!! Participation in the PackageCenter and use of the lead-generation system will tell you who downloaded your flyers or packages when you use our password protected lead-generation system. Save time and money and deliver a benefit to sellers and customers. Become a PackageCenter Participant and find out who is downloading your property packages and data. Learn more ... COMMREX PackageCenter TM Benefits of COMMREX membership Check out the benefits membership in COMMREX offers a commercial real estate professional. eLeads Subscribe to over 140 mailing lists by property type and geographic region. COMMLink Commercial Data Exchange: Integrate your listings in your website. BizCenter Online business tools, tips, and forms. Real Estate Calendar Commercial Real Estate Event Calendar. Add your own Event. Top Real Estate News Preview Todays Top News Real Estate Intelligence GlobeSt Commercial Real Estate News (CRENews) COMMREX Exclusive Create a Profit Center with your own state level or Association licensed COMMREX site. COMMBOT TM Is BACK!! Find Commercial RE Sites by Category. Enter your own! ListingAlerts Store search criteria to be matched against properties added to the system and receive Alerts by email. ©2005 COMMREX.com Internet Media Works! Privacy & Disclaimer Email Webmaster 512.346.9158
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TREC - Home Page -- Licensee Info Search Quick Links -- To Popular Pages -- Licensee Info Search R. E. Contract Forms Renew or Apply Online Salesperson Application Real Estate License Forms Education Providers Core R.E. Course List Freq. Asked Questions Real Estate License Act TREC Rules Data File Downloads HOME Area TREC Home Page Licensee Info Search Meetings & Agenda What's New Archive What Does TREC Do? Freq. Asked Questions Email Notification List Related Web Site Links Topics of Special Interest Mission Statement Compact with Texans Customer Service Survey Link Your Site to TREC Site Map KEY To Symbols =Page is in area (folder tab) of this color = Adobe PDF file format = Web site external to TREC About This Web Site: Get Help Navigating the TREC Web Site Comment on the TREC Web Site here Web Site Wins 2005 Award The November 2005 issue of the TREC Advisor is available in both printable PDF and HTML formats. Licensees and other subscribers can access the TREC Advisor here . Commission Enacts Temporary License for Evacuees from Katrina Click here for details for prospective temporary licensees , including a special application form, the press release and the new rules pertaining to those affected by Hurricane Katrina. Our mission is to assist and protect consumers of real estate services, thereby fostering economic growth in Texas. What's New? The Texas Real Estate Commission proposed revisions to 6 contract forms and 4 addenda at it regular meeting on December 5, 2005. View the proposed forms and summaries here . A periodic Sunset Review of the Texas Real Estate Commission is currently underway, as required by the Texas Sunset Act. Broker Minimum Services Requirements . . . read the latest updates . 2005 Legislative Report - Two new bills to affect the Real Estate License Act; one new bill to affect the Texas Timeshare Act . . . read more Inspectors! We now publish the Minutes of recent Inspector Committee Meetings. Also, see the new, searchable Inspector Questions & Answers page. List of Providers for the new Legal Update and Legal Ethics courses. Please see our updated MCE FAQs page , covering the new Legal Update course and Legal Ethics course. Most Recent Enforcement Questions and Answers (past 6 months) -- Find former "new" items in the What's New Archive Important Information! TREC Redesigns Licenses The Real Estate License Act is now codified at Ch. 1101, Tex. Occ. Code File and Pay Online! Broker & Salesperson Applications; Broker & Salesperson Renewals; All Inspector & ERW Renewals All Licensees! Easily update your permanent mailing address online free. Look up MCE courses completed in the Quick Links' Licensee Info Search . Page last modified: 12/18/2005 Site Map Privacy & Security Policy Open Records Accessibility Texas Online Statewide Search TX Homeland Security