Real estate agents usually
Real estate brokers and sales agents Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov Search the Handbook BLS Home | OOH Home | Frequently Asked Questions | A-Z Index | Contact Us Printer-friendly version ( HTML ) -- PDF ) -- Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listingsagreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small numberusually employed in large or specialized firmssell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desksshowing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examinationmore comprehensive for brokers than for agentsincludes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy sellingparticularly those with extensive social and business connections in their communitiesshould have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Occupations: Management | Professional | Service | Sales | Administrative | Farming | Construction | Installation | Production | Transportation | Armed Forces Related Links: Tomorrow's Jobs | OOH Reprints | Important Info | How to Order a Copy | Teacher's Guide to OOH Additional Links: Career Guide to Industries | Career articles from the OOQ | Employment Projections | Publications Home | BLS Home Back to Top www.dol.gov Frequently Asked Questions | Freedom of Information Act | Customer Survey Privacy & Security Statement | Linking to Our Site | Accessibility U.S. Bureau of Labor Statistics Office of Occupational Statistics and Employment Projections Suite 2135 2 Massachusetts Avenue, NE Washington, DC 20212-0001 URL: http://www.bls.gov/OCO/ Phone: (202) 691-5700 Fax: (202) 691-5745 Do you have a question about the Occupational Outlook Handbook ? Technical (web) questions: webmaster@bls.gov Other comments: feedback@bls.gov Occupations: Management Professional Service Sales Administrative Farming Construction Installation Production Transportation Armed Forces Related Links: Tomorrow's Jobs OOH Reprints Important Info How to Order a Copy Teacher's Guide to OOH Additional Links: Career Guide to Industries Career articles from the OOQ Employment Projections Publications Home BLS Home
Home Equity Apply Now
Home Equity Loans and Home Improvement Loans tag, as close to the beginning of it as possible-- Purchase Refinance Home Equity Apply Now Online Application Status Check Out Today's Rates Search Need Help? Home HOME EQUITY LOANS - or - With Home Equity financing from GMAC Mortgage, your home can become a powerful financial tool. However you decide to use your equityfor a more comfortable retirement, to pay for college, to buy that vacation getaway you always wantedwe can help you access it. Start Your Online Application Find a Local Expert Home Equity Loans A home equity loan gives you the cash you need as a single up-front payment, which you can repay at a fixed rate. If you know exactly how much you need to borrow, a home equity loan may be the best option. Apply Now Home Equity Credit Lines A home equity credit line gives you a revolving source of cash that you can draw from as you need to, up to a maximum amount. The line carries a variable rate with an interest-only option, and you pay interest only on the money you actually use not the total amount of the credit line. Apply Now Use your equity to buy a home Finance a renovation project SHORTCUTS Home Equity Resources Today's Rates Local Branch Calculators Privacy & Security THE LEARNING CENTER The Right Loan Program First-Time Buyer Guide Buying a Home Loan Programs Simplified Flexible Options for New Home Construction Privacy | Legal Information | Auto Insurance | GMAC HomeSolutions | Contact Us | About Us | Careers | Site Map 2005 GMAC Mortgage Corporation. All Rights Reserved. GMAC is a registered service mark of the General Motors Acceptance Corporation Real Estate and moving services offered by GMAC Home Services, Inc. and GMAC Global Relocation Services, Inc. GMAC Residential Holding Corporation is the parent of GMAC Mortgage Corporation, GMAC Home Services, Inc., Ditech Escrow Services, Inc., GMAC Bank and GMAC HomeSolutions. Because of these relationships, any of these referrals may provide GMAC Residential Holding Corporation with a financial or other benefit. Close This link will take you to another site that is not affiliated with gmacmortgage.com. Therefore, GMAC Mortgage's privacy policy will not apply. For your safety, please check with the sites privacy policy before entering your information. Thank you. Close
Florida Real Estate ,
Naples Real Estate, Naples Florida Real Estate, Naples FL Real Estate - Berry Realty Group Site Map Naples Real Estate , Naples Florida Real Estate , Marco Island real estate , and homes for sale in Collier County , Bonita Springs , and Estero . See Naples Florida Real Estate We're #1 For A Reason! Home | Neighborhood Tours | Buying | Selling | Featured Homes | Search For A Home | Life in SWF Your Guide To Naples and Southwest Florida Real Estate Home Online Relocation Guide Neighborhood Tours Free Market Analysis Map of Naples Rentals and Leases Real Estate Blog What Is Your Home Worth? Meet Our Team Maps Newsletter Mortgage Beach Cam (Live) Contact Us Email Us Local Resources Commercial Properties Links E-Pros Scott Berry ABR, E-Pro Sun Realty 3757 Tamiami Trail North Naples, FL 34103 800-450-0198 239-450-0290 Your Ultimate Naples Florida Real Estate Guide Scott Berry and The Berry Realty Group Scott Berry Was Recently Featured On ABC News! Awarded Top 10% in the Nation for Consumer Satisfaction by the Internet Consumer Group OTHER HOT REAL ESTATE ARTICLES MORE NAPLES FLORIDA REAL ESTATE STATISTICS >> Whether you are buying or selling property in Naples or Southwest Florida, we have assembled a comprehensive set of tools to make the process easier. YOUR Naples Florida Real Estate Agents! IF YOU ARE NEW TO PURCHASING OR SELLING NAPLES FLORIDA REAL ESTATE If you are new to purchasing or selling in Naples, you have definitely come to the right place. Real estate practices vary from state to state, and even among counties. We know the real estate market better than anyone else, and we would love to assist you. Naples Real Estate Directory Naples Florida Real Estate Directory Naples Real Estate Naples Florida Real Estate Bonita Springs Florida Real Estate Estero Florida Real Estate Bonita Springs Real Estate Estero Florida Real Estate Southwest Florida International Airport Florida Real Estate Directory Temecula Real Estate Olde Cypress Naples Real Estate Beautiful Custom Homes For Sale In Olde Cypress Naples The Best Naples Florida Real Estate Blog Naples Real Estate Naples Florida Real Estate Naples, FL Real Estate Whether you are buying or selling property in Estero or Southwest Florida, we have assembled a comprehensive set of tools to make the process easier. YOUR Estero Florida Real Estate Agents! IF YOU ARE NEW TO PURCHASING OR SELLING ESTERO FLORIDA REAL ESTATE If you are new to purchasing or selling in Estero, you have definitely come to the right place. Real estate practices vary from state to state, and even among counties. We know the real estate market better than anyone else, and we would love to assist you. Naples Real Estate Directory Naples Florida Real Estate Directory Whether you are buying or selling property in Bonita Springs or Southwest Florida, we have assembled a comprehensive set of tools to make the process easier. YOUR Bonita Springs Florida Real Estate Agents! IF YOU ARE NEW TO PURCHASING OR SELLING BONITA SPRINGS FLORIDA REAL ESTATE If you are new to purchasing or selling in Bonita Springs, you have definitely come to the right place. Real estate practices vary from state to state, and even among counties. We know the real estate market better than anyone else, and we would love to assist you. Whether you are renting or Looking for a Naples Florida Rental, we have assembled a comprehensive set of tools to make the process easier. YOUR Naples Florida Rental Agents! IF YOU ARE NEW TO RENTING OR LEASING NAPLES FLORIDA REAL ESTATE If you are new to renting or leasing in Naples, you have definitely come to the right place. Rental markets, policies, and practices vary from state to state, and even among counties. We know the Naples rental market better than anyone else, and we would love to assist you. Naples Florida Rentals Search this site powered by FreeFind See Us In The See Us In The Florida Real Estate Directory Sand Dollar Title Group, Inc. Naples Title Services This site features Naples real estate , and homes for sale, land for sale and other real estate for sale in Naples Florida, The Moorings, Pelican Marsh, Pelican Bay Real Estate, Vanderbilt Beach, Barefoot Beach, Park Shore, Port Royal, Old Naples, Bonita Springs, Estero, Marco Island and neighboring communities. Search this site for homes for sale in Collier County communities including, Naples, Pelican Marsh , The Moorings, Bonita Springs, Estero, Marco Island,Pelican Bay , Vanderbilt Beach , Barefoot Beach , Park Shore , Port Royal , Olde Naples , and find your dream home! Scott Berry, and the Berry Realty Group ,can help you buy , sell or lease a home or other real estate throughout the Collier County,Naples , and the surrounding communities. Naples Real Estate , Naples Florida Real Estate Naples Real Estate, Naples Florida Real Estate Naples Real Estate, Naples Florida Real Estate Real Estate Banner Network Find our listing in the directory at Real Estate & Mortgages Pelican Marsh, Pelican Marsh Real Estate Alpharetta Georgia Real Estate Crete hotel , apartments for holidays Crete - Greece flights All Links Directory Florida Real Estate SeekOn/Real Estate Indexed by State 1000's of FREE Promotional Resources = Reciprocal links exchange database and website promotion resources and more! PropertyTrek Mortgage Closing Costs You Shouldn't Pay - Click Here "Your High Speed Connection To Paradise" Is A Registered Trademark Scott Berry 2003-2004 | All Rights Reserved
Real Estate Loan
Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages contact us | careers | sitemap | help | log in Homepage Home Loans Home Loans Main Page Today's Rates Purchase a Home Refinance Your Home Use Your Home Equity Less Than Perfect Credit Loans en Español Start Your Application Calculators Your Home Loans Accounts Customer Service Banking Banking Main Page Today's Rates Certificates of Deposit (CD's) Money Market Accounts Savings Accounts View All Banking Products Open an Account Your Banking Accounts Financial Centers Insurance Insurance Main Page Homeowners Condo Home Warranty Life Disability Auto Health Commercial Employee Benefits Other Products Planning for Life Insurance Checkup Get a Quote Your Insurance Policies Your Accounts With over 35 years of service and one of the widest selections of loan programs , Countrywide Home Loans is an expert at finding solutions for all kinds of situations. log in to manage all of your Countrywide accounts username: password: destination: my account summary my home loans make a payment view transactions view loan details view statement my banking view account details my insurance view account details register | help forgot password forgot username Find more ways to : See what our customers are saying. purpose: Purchase Refinance Home Equity loan amount: property ZIP code: ZIP code finder Check today's high yield CD and Money Market rates Compare your rate Compare your coverage Get a free online quote home insurance calculator rate watch home loan calculators learn about our loans your credit report I want to: Purchase a home Refinance my home Use my home equity Click here to learn more about our great CD rates. SPECIAL ALERT: If you live in the areas affected by hurricanes, and need information regarding loans-in-process, new loans, or information on your account, please log in or call our customer service line: 1-800-669-6607. Click here for FAQs . PURCHASE REFINANCE HOME EQUITY for more information about new loans 1-800-556-9568 LESS THAN PERFECT CREDIT Countrywide Home Loans' Full Spectrum® Lending Division 1-800-871-1756 Customer service on existing loans 1-800-669-6607 BANKING top CD and money market rates , compare rates and terms 1-800-817-4383 INSURANCE homeowners , home warranty , auto , life , individual health , disability , commercial and employee benefits 1-800-262-4240 Countrywide Financial offers these products through our family of companies.* home loans | less than perfect credit loans | home loans en espaƱol | we house america | banking | insurance | investments | your accounts | log in contact us | site map | about us | investor relations | careers | privacy and security | licenses and registrations Countrywide Home Loans, Inc. and Countrywide Bank, N.A. are Equal Housing Lenders. ©Countrywide Financial Corporation. Trade/service marks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. If you use a pop-up blocker, you should disable it while using our sites. * Countrywide Financial offers these products through our family of companies. Home Loans provided by Countrywide Home Loans; Banking services provided by Countrywide Bank, N.A., member FDIC; Insurance services provided by Countrywide Insurance Services, Investment Services provided by Countrywide Investment Services.
Home Equity Loan /
Home Finance | Mortgage Refinance | Home Equity Loans | Home Equity Line of Credit -- BUY A HOME SELL A HOME HOME LOANS NEW HOME CONSTRUCTION ABOUT US MY ACCOUNT Find a REALTOR ® Buy or sell your home and you may receive a Gift Card worth up to $1,000. Find a REALTOR ® Find a Builder with iNest and Get 1% Cash Back! Finance Your Home Get a Mortgage Refinance Your Mortgage Home Equity Loan / Line of Credit Online Credit Report Search Homes for Sale Start Your Search Home Price Check ® Additional Services Insurance Quotes Get a Home Warranty Get a Home Inspection Find a Mover Find Home Improvement Professionals Change Your Address Setup Your Utilities Learning Center Qualifying for Home Loan How Much Can You Afford? How To Choose the Right Loan You are here: Home | Home Finance Center Get Banks Competing for Your Home Loan RealEstate.com has partnered with LendingTree to provide you with up to four offers for a home mortgage in one easy step. 3 Great Reasons to Get Your Mortgage Now 1. Get Pre-Qualified Many homeowners will require proof of pre-qualification before they will consider an offer for purchase on their home,so be prepared. 2. Rates are Low Rates are still at record lows so get the best rate possible by getting multiple offers from Lenders. Youonly need to fill out onesimple form. 3. Customer Care Our customer care agents are here to help you through the entire process. Whether you are a first-time homebuyer or a veteran of homebuying, we have you covered. You can complete your mortgage request over the phone with one of our trained customer care agents. Call 1-800-RealEstate. We're here to help you. Already submitted a mortgage request? Login to view offers. We Also Offer the Following Home Finance Products Since rates are low, you may want to consider refinancing your current home. Need money for home improvement. It may be tax deductible. Check with your tax advisor first. Know Your Credit Score. Make Smarter Decisions. Credit Reports TM , Score Power ® and Score Watch TM give you the tools you need to understand, manage and use your credit wisely. Figure Out How Much You Can Afford Total gross monthly income: Total monthly debt: Monthly payments you can afford with 28% rule: Monthly payments you can afford with 36% rule: Are You Paying Private Mortgage Insurance? Facts About Adjustable Rate Mortgages Choosing the Best Mortgage Which is better: 15 or 30 year term? Are extra payments advantageous? What will adjustable rate payments be? Buying a Home | Selling a Home | Homes for Sale | Credit Report & Score | House Prices at Domania New Home Construction | Find a Mover | Find a REALTOR ® | Home Financing | Real Estate Learning Center Customer Service | Publications | For the Media | News Releases | Join Our Real Estate Network | Post Home Listings Privacy | Security | Terms of Use | Jobs | Disclosures and Licenses | Sitemap | Loans | Commercial Real Estate Houses for Sale in: Atlanta | Austin | Boston | Charlotte | Chicago | Dallas | Denver | Houston | Las Vegas | Los Angeles Miami | Minneapolis | New York | Philadelphia | Phoenix | San Antonio | San Diego | San Francisco | Seattle Washington, DC | Real Estate in More Cities LendingTree technology and processes are patented under US Patent Nos. 6,385,594 and 6,611,816. © 1998 - Real Estate.com, a service of LendingTree, LLC. All Rights Reserved.This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Conversion to LendingTree, LLC We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. REALTOR ® -- A registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. Not all of the real estate professionals participating in the "Agent's Competing" program are REALTORS ® , which are members of the National Association of REALTORS ® . The Home Depot ® is not affiliated with LendingTree, LLC. The Home Depot ® is a registered trademark of Homer TLC, Inc. RealEstate.com is not sponsored by or affiliated with the parent franchisor companies of any of the participating members of its network. Partner Sites: Citysearch | Expedia | Hotels.com | Ticketmaster.com | Hotwire.com | Entertainment.com | Match.com Home Shopping Network | ReserveAmerica | LendingTree.com | iNest | ServiceMagic | Ask Jeeves | Gift Ideas Mortgage Calculator | Refinance at GetSmart | LendingTree Mortgage | Free Online Credit Report | Home Equity Loans